vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-23 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a series of withdrawals taken from my checking account with Wells Fargo over the course of XXXX XXXX that totaled {$8200.00} in total. These withdrawals were used to fund XXXX. I logged onto my Wells Fargo App a few days after these withdrawals and noticed a message saying the bank has noticed suspicious activity on my account so I called the number they gave me and they read the different transactions and asked if I performed them. I stated no to all of them. I also noticed when checking my account that someone had made a money transfer from my credit card to my checking account totaling {$12000.00} during this same time period. Then whoever was using my information tried multiple times to withdraw that {$12000.00} to XXXX as well. Basically whoever was controlling my information/passwords/device had depleted my checking account and almost maxed out my credit card. I filed claim number XXXX disputing the credit card transfer and claim XXXX regarding the {$8200.00} taken out of my checking account. My initial disputes were both denied so I appealed to the executive office and that was also denied. The person I spoke with from the executive office stated that my appeal was denied because they found that whoever took these funds used my username/password and that it came from my device. There are several issues with this research. The first issue is there are cases where a hacker is able to access a persons phone/computer and make any actions appear that they are coming from that device. The second issue is I have been a customer of Wells FargoXXXX XXXXWachovia for around 20 years and if you look at my transaction history, there has never been a day that I've used my checking account or credit card like that day and at the hours it was used during that day. When I spoke with the person at the Wells Fargo branch about my situation she stated that those transactions don't match up to my profile ( that of someone with a high credit score and who has never done anything like that in the past. ) If Wells Fargo is unwilling to protect their customers from fraud I would recommend to anyone who sees this to put your money in a bank that will actually have your back and not one that is complicit in it being fraudulently taken from 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 explanation
Consumer complaint received 2022-02-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
AMEX XXXX They sat on a pile of bunk receipts they couldn't possibly make add up, they sat on evidence my family was being blackmailed, they sat on evidence my family 's lives were threatened, this industry in XXXX is a complete sham, it's nothing but a front for XXXX XXXX, XXXX, fraud, XXXX, it all runs off credit cards daily, and they did nothing but collected every dime so they could make the charges appear legitimate and wreck our lives. 

I hope one day law enforcement will see this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
TRANSWORLD SYSTEM INCXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX The company promise to paid to delete which it shows and they still have not done so. I've called them on XX/XX/XXXX asking about it and she said they can't find where it was mention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX XXXX  and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I opened an Access checking account with Citi for use of stipend funds for foster care so that the money would be kept separate from my personal finances, and could be used as needed for the care for my XXXX XXXXXXXX. I opened the account XX/XX/XXXX and funded it with 2 checks from my adoption agency, XXXX XXXX XXXX, using electronic ( mobile ) deposit on XX/XX/XXXX. the checks were accepted and indicated " funds available '' within 3 business days on my Citi app and when calling the automated Citi customer service line. 
I did not access the account for several weeks until last week ( XX/XX/XXXX ) when I needed to use funds for one of my foster daughter 's band booster payments. The account was locked and funds could not be accessed. I contacted Citi XX/XX/XXXX about the issue. I was transferred at least 5 times to various departments, and was finally advised that the funds were pending verification of the checks ( from a month previous ). I asked why I had not been contacted if additional information was needed, but got no answer. I called again the same day for status update, assuming that someone had contacted the issuer of the checks. I was told that I NEEDED TO VERIFY THE CHECKS. I provided all of the information that I had ( several times ) and then explained that I am not a bank -- it is not my responsibility to verify checks. I called the following day ( XX/XX/XXXX ) and spoke to another " security rep '' with Citi who was barely English-fluent and who was incredibly rude and told me that nothing would be resolved unless I verified these checks. There was literally nothing else that I could do to work with Citi to resolve this, and was told that there was nobody else I could talk to. When I expressed extreme frustration, the rep hung up on me and I decided that I needed to explore another avenue to resolve this. 
I contacted the issuer of the checks, XXXX XXXX XXXX XXXX department, who confirmed that the checks cleared and the money debited from their account on XX/XX/XXXX. There is nothing pending verification, and has not been. I suspect that I have been defrauded somewhere in the Citi system, but there doesn't seem any recourse for it. I can provide additional supporting documents ( emails, account information ) as needed.

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 2022-02-23 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2022-02-23 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: SC

Complaint narrative:
I have sent letters to the credit bureausmultiple times asking to have the incorrect addresses removed from my credit report as well as a fraudulent collection account and they have not responded to any of my letters. They have not updated my credit report either. I last sent a letter XX/XX/XXXX. I need help with getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23 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: PR

Complaint narrative:
Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the XXXX credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting XXXX of the XXXX agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from XXXX. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was TransUnion. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other XXXX agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up XXXX of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP ME?

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 2022-02-23 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: PR

Complaint narrative:
Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the XXXX credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting XXXX of the XXXX agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from XXXX. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was XXXX. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other XXXX agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up XXXX of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP ME?

Company response to consumer: Closed with explanation