vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
This bill account was set up to pay my mother 's bills after my father passed away. While I was being email bombed, I was busy deleting emails from the last couple of days in XXXX to XX/XX/XXXX and I came across an email that said I sent a transfer to someone named XXXX. I immediately called Wells Fargo about the transaction and found out transfers had been happening all that week. I did not make the connection that the transfers and my overwhelming emails were the same problem. After talking to the bank, freezing my accounts and opening another one, and submitting a fraud claim, I went to my email and changed my passcode. After doing that the emails stopped. There is history showing that the only thing I use the account for is to pay bills. 

Today I received a letter stating that their research showed the transactions were made through a secure online banking session by me or someone who had authority. They said they could not disclose how it was done and where it was done. When I was on the phone I let them know I use my Apple Pay daily but never let anyone have my personal information. 
I am confused that XXXX was taken with my consent. I would never do that to my mom. The only other person on the bank account is my XXXX XXXX XXXX. My mom does not know how to do anything online. My sister lives in XXXX and would not do this. Please help me understand what happened. Wells Fargo is asking for evidence that I did not do it. The only thing I have is all the emails I had to delete that preoccupied me from seeing the earlier transactions. How can I get this money back? 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not agree with the payment history on account XXXX  XXXX, XXXX. 
15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not agree with the payment history on account XXXX  XXXX, XXXX. 
15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not disputing anything on my credit report as of today. Please open my credit file if you still have any type of block on it thank you. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX # XXXXXXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$2200.00} ; XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX Bankruptcy Reference # : XXXXXXXX XXXX XXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Again, I am a victim of identity theft and this is also a request to remove information related to the alleged identity theft from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must delete all items within fouXXXX business days of receipt. Also, the information provided on some items is unknown to me and has been removed by other offices, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Again, I am a victim of identity theft and this is also a request to remove information related to the alleged identity theft from my credit file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus must delete all items within four business days of receipt. Also, the information provided on some items is unknown to me and has been removed by other offices, and I question its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX  XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX  XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Foursight Holding LLC
State: GA

Complaint narrative:
This is the second complaint that I have filed against this company in the last month. They are trying to collect fees from me that I do not owe them and are using illegal tactics to collect them!! This account was reported as closed and paid in full with the credit reporting bureaus in XXXX. I received a statement from them in late XXXX showing account paid in full and even showed a negative amount of - {$200.00} .... I have since then been contacted by this company stating I still owe {$200.00} in late fees but I have statement showing account completely paid in full and account closed with major credit bureaus.. Yesterday XX/XX/XXXX I received notification from all 3 credit bureaus that now the account has a 30 day late mark on my file for this account!!!!! How is that possible if account was closed out and reported as paid in full, this is a violation of the Fair Credit Reporting ACT!!!!!! I need your help holding this company accountable for their actions against consumers and the way they try and collect fees. Very unprofessional

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: International Recovery Associates, Inc.
State: NY

Complaint narrative:
Reference # XXXX This medical debt has been being paid every month without fail. I am annoyed and disgusted with XXXX XXXX XXXX for turning it over to collections for a mere 3 months of responsible payment. I respectfully request that this collection effort not show on future credit reports as the final balance was paid today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After checking them, I found that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require 3 credit reporting agencies to verify ( A ) these accounts. Failure to verify these reporting accounts as unverified without providing evidence within the legally mandated deadlines is unacceptable. My credit report contains the following incorrect information that needs to be investigated and corrected. 
XXXX XXXX  XXXX Balance Owed : {$15000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$3500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  XXXX XXXXBalance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXXBalance Owed : {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I am disputing a charge for {$90.00} on XX/XX/2023, under " misc fees ''. I have since called daily, sometimes twice a day without a resolution. They explained that those fees were charged in error as part of another claim ( XXXX ). That claim was for {$18.00} and was resolved, however, the {$90.00} miscellaneous fees has not been resolved. 

What is happening is that the bank keeps checking that claim and saying it is resolved but does not want to address the {$90.00} that they charged me. I have asked for a direct number or fax but none have been provided. 

Below is a copy of the email I sent the bank. 
Dear Citizens, I am writing about a dispute that was incorrectly processed. I have called over 6 times in the past week and received two letters from citizens, but no one will resolve this. If you look at the claim, it will say it is for {$18.00} and you see that XXXX issued me a credit. That is not my issue. YOU deducted {$90.00} on XX/XX/XXXX under " Misc charges '' which was an error in resolving this dispute. I am asking you t credit me back my {$90.00}. 
I ask that you please review the XX/XX/XXXX translation for {$90.00}, not the {$18.00} charge. Please refund my {$90.00} or give me a justification for it. 
Thank you, XXXX XXXX Disputed amount {$90.00} XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not agree with the payment history on account XXXX - XXXX XXXX XXXX. 

15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not agree with the payment history on account XXXX - XXXX XXXX XXXX. 

15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reporting agencies are reporting a late payment for account XXXX XXXX when the company stated that they submitted an update to the credit bureaus to remove the late payment. This response was submitted to me on XX/XX/2023. The company stated that the credit bureaus would update it within 30-45 days, but it will soon be 60 days and this is still not updated. The complaint ID is XXXX where you can see the attached letter stating that they would update the credit bureaus. I will also attach the letter along with my ID. I am demanding that this account is updated within 15 days or I will pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the following account from my credit report due to the agreement that I had with the creditor that once paid it would be deleted. The account is XXXX XXXX. I have already informed the credit bureaus that this account was supposed to be removed in XXXX. This is my final request before I report this issue to the XXXX  and possibly seek legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the following account from my credit report due to the agreement that I had with the creditor that once paid it would be deleted. The account is XXXX XXXX. I have already informed the credit bureaus that this account was supposed to be removed in XXXX. This is my final request before I report this issue to the XXXX  and possibly seek legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to dispute the accuracy of the information in my credit report with your agency. Pursuant to Section 604 of the 15 U.S. Code 1681B, I am entitled to a fair and accurate credit report. After reviewing my credit reports from all three credit bureaus, I have identified several errors which are detailed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to dispute the accuracy of the information in my credit report with your agency. Pursuant to Section 604 of the 15 U.S. Code 1681B, I am entitled to a fair and accurate credit report. After reviewing my credit reports from all three credit bureaus, I have identified several errors which are detailed below : EXPERIAN : Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation