vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-24 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: AL

Complaint narrative:
Hi, on XX/XX/XXXX I started receiving several inquiries. The inquiries have turned into actual accounts and need to be closed and removed immediately. I added a fraud alert on my credit report on XX/XX/2023. Per the alert, I am supposed to receive a call confirming the validity of each account before it is opened. Two companies failed to do so and failed me as a consumer. The companies are listed below : XXXX XXXX XXXX XXXX XXXX Each company has already been contacted and nothing has been resolved thus far.

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, there was a charge for tax services by XXXX XXXX XXXX NY for {$570.00}. I filled a dispute on XX/XX/XXXX with the credit company ( citibank ) as this merchant is a fraud and does not have a license to provide tax services. I explained this to the credit card company and they said they had to reach out to the merchant first. The credit card company sided with the merchant on XX/XX/XXXX even though they could not provide me any documents that the merchant give them to show he provided tax services legally. I been trying to speak to a manager at citibank to handle this issue, but have been unsuccessful. I have reported this merchant to reportfraud.ftc.gov. I also will be reporting the merchant to the IRS for improper tax preparation. 

I have attached the receipt, I have an email asking for a following up from the merchant. I made phone calls to the merchant with no call back.

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 2023-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I made a large furniture purchase to replace all my flood damaged living room furniture at XXXX of {$11000.00}. I errantly gave the salesman my XXXX Citi Visa Card which had a {$9500.00} limit instead of my XXXX XXXX card which has a large limit. Citibank approved the transaction although it was almost {$2000.00} over my limit. If they had declined the card I would have immediately known I had used the wrong card. I did not realize the error until I returned home and noticed the last for digits of the Costco Visa XXXX were on the invoice. I called Citi and wanted to pay the entire balance off right then and there. The agent said it was still pending and I would have to wait until it posted. The statement closing date was XX/XX/XXXX during a three day holiday weekend. I called back at least four times trying to pay this balance off in full. The agents could not do it and the website would not allow me to pay because it was still pending XX/XX/XXXX the statement closing date. On the morning of the XXXX I made the full balance payment of {$11000.00} after an email from Citi on the XXXX said the charge had finally posted and my full payment was made then. My complaint is Citi posted the {$11000.00} on the XX/XX/XXXX statement after telling me it was still pending. This caused Citi to report to all the three major credit bureaus I was over my limit destroying my XXXX plus credit rating after repeatedly telling me it was pending. Deceptive and untruthful was Citibank. I want an explanation and removal of the information from my credit reports.

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 2023-06-24 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M

Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I just got my report and i think its wrong! I was told i have a right to have aninvestigation done, creditreporting laws.ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct the fallowing information, therefore, needs to be reinvested. Please make sure everything pertaining to my credit report is corrct. 

Please provide me with the fallowing items. 
pay off disclosure intrest rate disclosure Balance history payment history credit insurance Accounts Fstprogress 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 2023-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On several instances, Wells Fargo has overdrafted my accounts instead of directly declining it due to the lack of funds. Resulting is several hundred dollars in overdraft fees. 

XX/XX/2023 Overdrafted XXXX cents Charged by Wells Fargo {$35.00} in overdraft fees XX/XX/2023 {$49.00} charge resulting in a negative - {$23.00} left in account, overdraft fee resulting in a total - {$58.00} on the account XX/XX/2023 {$19.00} charge leaving a - {$18.00} charge on the account, overdraft fee resulting in a total of - {$53.00} on the account This is just from the RECENT statements, I can pull more from even farther back up until I opened the checking account

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 2023-06-24 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: GA

Complaint narrative:
XXXX and Equifax credit reporting agencies did not do a proper investigation during my dispute. They are improperly reporting my XXXX student loan account as delinquent when in fact the account has been in deferment under the C.A.R.E.S. ACT and should show paid as agreed with no late payments. Also, there are four collections accounts that are inaccurate and need to be deleted. The attached dispute letter will outline all accounts that should be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 Here is the original complaint. No matter what I do it will not let me go back to it and add anything. 
We got another letter for them fill of more XXXX. This is outrageous. They are trying to charge us over {$400.00} in interest fees, late payments and more interest rates for an item that was paid off a month earlier!!!! Someone has to help us because this is XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: MO

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to file a complaint against XXXX XXXX ( debt collector ), P.A, Attorney for Plaintiff, American Express National Bank in conspiracy with American Express National Bank witness for what appears to be perjury by affidavit and unfair and misleading debt collection practices. On XX/XX/2023, I received notice from your company regarding an alleged debt of {$990.00} that I allegedly owe to American Express National Bank. The notice included an affidavit signed by Assistant Custodian or Records for American Express National Bank, XXXX XXXX identified as AFFIDAVIT OF INDEBTEDNESS dated XX/XX/2023, which I believe contains false statements. 

Specifically, the affidavit states that " After giving Defendant credit for all payments made, if any, the amount justly due and owing as of XX/XX/2023 is {$990.00} '' ( Exhibit B ). These statements are untrue and have been made with the intention of deceiving me into paying a debt that I do not owe as expressed by supporting statement with closing date XX/XX/2023 ( exhibit A ). This constitutes perjury by affidavit, which is a serious offense under the law. 

Furthermore, The I have attached a formal NOTICE OF DISPUTE AND VERIFICATION OF DEBT REQUEST NOTICE OF REQUEST FOR ACKNOWLEDGMENT NOTICE OF REQUEST FOR RELIEF for futher clarification of the alleged obligation. 

I demand that your company immediately cease all attempts to collect this alleged debt and remove any negative information from my credit report related to this alleged debt. If your company fails to comply with this demand, I will have no choice but to pursue legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: OK

Complaint narrative:
Recieved a report on my credit monitoring service that a new installment loan had been opened in my name on XX/XX/2023 at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( XXXX ) XXXX in the amount of {$610.00}. I called Transunion to place a fraud alert and dispute the information on XX/XX/2023. 

On XX/XX/2023 a representative of XXXX, using the email of XXXX XXXX, called in reference to the dispute that I had filed with Transunion. I verified that it was not my account and that they had the wrong phone number and email. XXXX emailed me a copy of the loan agreement and I again told them that it was not mine ( I always use my full name on legal documents ). 

On XX/XX/2023 I recieved a letter from Transunion that XXXX had verified the account WAS MINE and ACCURATE. 

I called both Transunion and XXXX to no avail but that I needed to file a police report and file a report with you.

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 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was selling a dresser on XXXX XXXX and a buyer with the name XXXX XXXX XXXX contacted me for this. There was no reason for suspicion at first, we discussed when he can pick it up and then he asked me for my XXXX email account so that he can transfer the amount ( {$75.00} ). Shortly after, I received a strange email from XXXX. While this was unusual, there were no signs of phishing, so I trusted it. It had asked me to have the buyer send me {$400.00} so that I can raise my limit to a business account. The buyer called me and said he would do so and trusted me to repay him that amount immediately. And so I did to the email account- XXXX and name XXXX XXXX XXXX XXXX After this, I received a confirmation from XXXX again. I realized later that I typically receive confirmation of such transactions from my bank and I had not, which is why I started to suspect this. XXXX emailed me again to send {$600.00} more, which I did not send since it was all too suspicious. I searched it up and read about similar scams others had fallen victim to. I called Bank of America immediately to report this and get the charge disputed. I am currently waiting on the claim to be filed.

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 monetary relief
Consumer complaint received 2023-06-24 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I tried to transfer {$200.00} with Coinbase. This has resulted in a hold on my bank account and the funds are not available through them. I asked them to refund the Interchange fees. They refused and were quite degrading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: WV

Complaint narrative:
I get repeated and constant calls and voicemails from them. Theyve now started sending texts to websites I dont know if I can trust or not. They call every single day. I HAVE told a couple of them to stop calling but theres two agencies that keep calling so I dont know which one I told.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My mortgage company has charged me several charges for my home insurance. They kept saying I already had insurance available then afterwards tells me they didnt pay my insurance and I didnt have any home insurance. Then they kept messing up my escrow account going from positive to negative and Im unable to pay my home insurance and they continue to charge me and will not provide a refund or contact me. Ive contacted them several times already and was told they will fix it. Ive sent requests to be contacted and no response.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-24 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
This is a third party which purchased my information illegally, is disclosing on my consumer report without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-24 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: TN

Complaint narrative:
Equifax continues to violate my rights under the FCRA. I am the victim of Identity theft and have complied with actions requested my Equifax and the financial institution that the fraudulent loan was taken out with. I have provided Equifax with a statement of the ID theft, ID verifying documents, FTC Identity theft report, and a police report of the fraud. 

Yet the account and late payments continue to remain on my report. Equifax is in complete violation of FCRA 605B. I have filed a police report supporting the facts set forth in my FTC declaration. This states the CRA is under a MANDATORY requirement to block this report from my credit report immediately. If Equifax continues to do so, I will be forced to consider legal action against Equifax as this information being on my report is a violation of my rights and harming my ability to seek credit.

Company response to consumer: Closed with explanation