vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: FL

Complaint narrative:
Ive told XXXX and XXXX and XXXX. Please remove global lending services off my credit report because it doesnt belong to me and I never dealt with that company in my life. Can you please Ive been dealing with disputing this item for months and always communicated with the company which information does not match up I have disputed this multiple times with XXXX and XXXX. XXXX XXXX already took it off my credit report.. can you please ensure that these guys take it off this does not belong to me and its ruining my credit Im a victim to identity theft. My Social Security number is XXXX. My date of birth is XX/XX/1986. Can you please have these guys remove this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Unauthorized use of my report. My accounts are reporting inaccurately

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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California,XXXX  XXXX XXXX Account # XXXX Account # XXXX CD Acc # XXXX Subject : Confirmation of Good Standing with IRS and Debt-Free Status Dear Chase Bank I hope this message finds you well. I am pleased to inform you that upon reviewing my tax transcripts, it has been confirmed that my business is in good standing with the IRS and there are no outstanding debts or violations to report. 

I wanted to provide this update to ensure that you have the most accurate and up-to-date information regarding my business 's financial status. I trust that this confirmation will meet the requirements for any necessary account updates or holds to be removed. 

Please do not hesitate to reach out if you require any further documentation or information from my end. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your cooperation and assistance. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
For the last XXXX weeks Citibank has been blocking my access to my checking account while allowing the joint account holder, with whom I am in XXXX proceedings, access to the account which I can not view or monitor. 

I have called Citibank twice to rectify this situation and both times the representative has literally hung up the phone on me. 

They literally have my funds and are allowing the joint account holder to deplete the account while blocking me with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting inaccurate personal information ( see attachment )

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Unauthorized use of my report. My accounts are reporting inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Unauthorized use of my report. My accounts are reporting inaccurately

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington National Bank Processed my Home Loan Application first for a Line of Credit as well as Loans ( XXXX Applications : {$150000.00} + {$150000.00} + {$200.00}, XXXX ) as well as XXXX Personal Loans ( {$50000.00} + {$50000.00} ) and denied all in the past few Months. The specified the reason as low credit score from XXXX Credit Buruea which they sent a copy off. 

In the year XXXX, in the month of XXXX they approved XXXX Personal Loans ( {$50000.00} each ; received and returned ) and Home Purchase Loan ( {$500000.00} ) in XXXX when they provided XXXX Credit Bureau Reports stating that it is required by as per Financial Institutions Lending Rules. 

Their software had a ROUTING problem which I reported to them and they are looking into. They also seem to have a ROUTING and APPROVAL Problem of getting the Application and Approval from me ; APPROVING the submitted application and sending the checks elsewhere to their cohorts and potentially my employer with whom they are mutually benefitting. Both the parties involved are using my STOLEN ID which they control through the BID ( XXXX : XXXX XXXX and XXXX XXXX = XXXX ) Process. 

They have thus approved {$1.00} XXXX X XXXX this year and {$1.00} XXXX X XXXX = {$3.00} XXXX in XXXX  ( Application Name was XXXX XXXX XXXX in XXXX  ) at least equaling to {$4.00} XXXX at least that I know off. I am not sure whether they have gone down to the ALPHABET Level in their Financial Process of my name or appellation. 

Do not hesitate if you need to verify any of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive told XXXX and Equifax and XXXX. Please remove XXXX XXXX XXXX off my credit report because it doesnt belong to me and I never dealt with that company in my life. Can you please Ive been dealing with disputing this item for months and always communicated with the company which information does not match up I have disputed this multiple times with Equifax and XXXX. XXXX XXXX already took it off my credit report.. can you please ensure that these guys take it off this does not belong to me and its ruining my credit Im a victim to identity theft. My Social Security number is XXXX. My date of birth is XX/XX/1986. Can you please have these guys remove this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out regarding a discrepancy found on my credit report pertaining to my account with XXXX XXXX. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payments that were not accurate. Taking proactive steps, I promptly contacted XXXX XXXX  to rectify the issue, and they have acknowledged the error and committed to correcting the information. 

I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my Seventh times writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete all other names, any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SS # 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my Seventh times writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) I deman
d a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX XXXX. My Current Address : XXXX XXXX XXXX, XXXX, GA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete all other names, any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SS # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I recently found out I was scammed, I contacted XXXX XXXX XXXX XXXX XX/XX/XXXX regarding a wire i made on XX/XX/XXXX to Citibank XXXX XXXX XXXX XXXX XXXX, NY XXXX for {$19000.00} that my scammer wanted me to send to his accountant. XXXX XXXX XXXX XXXX contacted Citibank in New York to notify this was part of a scam/fraud. Citibank responded back XX/XX/XXXX that they would have to wait until they hear from the member to return the money.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out regarding a discrepancy found on my credit report pertaining to my account with XXXX XXXX. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payments that were not accurate. Taking proactive steps, I promptly contacted XXXX XXXX to rectify the issue, and they have acknowledged the error and committed to correcting the information. 

I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out regarding a discrepancy found on my credit report pertaining to my account with XXXX XXXX. Upon review, I noticed inaccuracies in the reporting dates, specifically reflecting late payments that were not accurate. Taking proactive steps, I promptly contacted XXXX XXXX to rectify the issue, and they have acknowledged the error and committed to correcting the information. 

I kindly request that my credit report be amended to accurately reflect that the account in question was never delinquent, and any reported late dates be removed. XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am writing to formally request that you cease and desist all communications regarding the collection of debts on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request that you cease all communication with me, as well as with any third parties, regarding the alleged debts listed on my credit report. 

Please take note of the following accounts and items listed on my credit I dispute the validity of these accounts/items and request that you remove them from my credit report immediately. Furthermore, I demand that you cease any and all attempts to collect on these alleged debts and refrain from reporting any further negative information to any credit reporting agencies. 

I expect your compliance with this request within 30 days of receipt of this letter. Failure to do so may result in legal action taken against you and your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On the morning of XX/XX/year> ; I woke up to XXXX different charges posted to my Wells Fargo Everyday Checking account from XXXX XXXX in the grand total of {$850.00}. I immediately reported my debit card as compromised on the Wells Fargo app. I set up a replacement card via XXXX XXXX and within that 5 minute span, the XXXX and final charge was made. I called Wells Fargo and explained to them that these charges were not made by me and there is something wrong with both my Wells Fargo account as well as my XXXX XXXX  system, my claim was denied by Wells Fargo. I called in attempt to escalate the situation and was told You can always file a lawsuit against us by the representative

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