vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-10 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am filing this complaint because has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank 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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX has violated the law again! They are now manipulating other data to damage my credit score! 

See how they are extending the fall Off date by a month! 

Deceptive trade practices! 

This is illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX has violated the law again! They are now manipulating other data to damage my credit score! 

See how they are extending the fall Off date by a month! 

Deceptive trade practices! 

This is illegal!

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 2022-12-10 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I made a payment of {$990.00} on XX/XX/XXXX using XXXX XXXX XXXX to my American Express credit card. XXXX says they sent the payment and has provided me with a receipt. American Express has not credited my account and tells me they have not received the payment. I have made payments in this way before, and it worked just fine, but American Express will not credit my account despite the fact that I submitted all documentation that XXXX will provide. American Express says they need a transmittal form, which is not something XXXX will provide. American Express has a bill pay agreement with XXXX, but no one I speak with at American Express seems to know how it works because they keep asking me for documents that XXXX doesn't provide. My money is gone from the pre-paid debit card that I used for the payment, but American Express keeps claiming they didn't get any payment. I am out {$990.00} because they won't help. 

I have submitted 2 payment disputes through American Express, and they have closed them both times, saying that I have not provided the proof they need, and asking for documents that do not exist for payments made through XXXX bill pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/XXXX I applied for an extension of credit from Wells Fargo Auto in the amount of {$66000.00} toward the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Co. According to the Federal Equal Credit Opportunity Act consumers who come in good faith can not be discriminated against and denied credit. I have proof that Wells Fargo Auto not only has discriminated against me, but also is not abiding by the law. Wells Fargo Auto obtained and used my social security card but I received NO benefit from that credit transaction. I have written a certified letter to Wells Fargo Auto to the mailing address given and they shall receive my response to their denial within XXXX business days.

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX has been selling this file to sub companies who have been spaming my mail box and phone without my consent

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 2022-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
An individual impersonating an individual on a dating app got access to my virtual wallet ID and authorized the wire transfer of more than {$17000.00} dollars to an online virtual wallet that was cloaked and portrayed to be a DeFi wallet but was not. Coinbase has said they can not do anything about it. I would think any account that is reported to have done this should be able to be frozen at the very least. This guy tried to extract {$1000.00} from my coinbase after I wired the funds to my bank and Coinbase responded by telling me I owed the money back!!! I know banks have the ability to recall funds and this has to be an oversight on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with The Fair credit reporting act the list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # XXXX XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX : Account # XXXX XXXX XXXX Co : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 section 604-A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with The Fair credit reporting act the list of accounts below has violated my Federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account # XXXX XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXXXXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX  : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 section 604-A section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c 856 no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of a conviction of crime which andates the reports by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian has manipulated my consumer statement took out sentences etc PLEASE SEE MY REGISTERED LETTER TO ALL BUREUS this is example on how they operate PLEASE THIS WILL BE EXHIBIT F these many of many you have no clue the damages being done Experian has demonstrated very poor and known fact they thrive on the income that companies pay to XXXX you to be able to extend credit at high interest rates as you will see I pay my bills that are mine and thought in question can XXXX no mater if its 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 2022-12-10 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: FL

Complaint narrative:
I have previously disputed, and successfully had XXXX XXXX XXXX XXXX removed from all 3 credit reporting agencies due to fraud. These items were previously disputed to the CFPB and removed by Experian, XXXX, & XXXX as I was a victim of identity theft- and this was one of the many account that fell victim. The debts have been removed since XXXX  on my credit report. XXXX has since sold the XXXX to XXXX XXXX XXXX -- and they have reported this debt to Experian again. CFPB and Experian both deemed the account to be fraudulent -- and now the collections company is trying to collect on a debt that they have ben informed is fraudulent. When XXXX XXXX XXXX called me I informed them, let them know of the police report, identity theft affidavit, and also the removal from my report. The decided to still report a collection account to my credit. Please remove this collection account from my report -- as it has already been proven fraudulent and XXXX XXXX XXXX XXXX should not be allowed to sell fraudulent debt. Also please instruct the the collection company to cease reporting and collection immediately. I have attached the original police report. The original identity theft affidavit, as well as the Experian report showing the deletion of XXXX from 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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account # XXXX Amount {$6300.00} Account name : XXXXXXXX Account # XXXX Amount {$5000.00} Account name : XXXX XXXX XXXX Account # XXXX Amount {$5300.00} Account name : XXXXXXXX XXXX  Account # XXXX Amount {$1600.00} has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX has been selling this file to sub companies who have been spaming my mail box and phone without my consent

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 2022-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My loan was discussed in writing with XXXX XXXX in 3 letters. A credit card was made up by Chase in the name of XXXX XXXX. This is a breach of confidentiality. 

No credit card lends {$80000.00}. 


This card was then acknowledged as fraud, and a new number was given, and it was then cited as XXXX XXXX. Communication to XXXX XXXX about a card of XXXX XXXX is breach of confidentiality, if there is a card for XXXX XXXX. 

The card number XXXX had no 3 digit code or expiration. It has no application or purchases. It has no Statements or annual charge. The number is faked by Chase. 

The loan is recognized as fraudulent and then it changes back to to the loan I took out, ending in 1983. Chase changes fictitious card back to loan of mine, no one else involved. 

Talking about the loan with XXXX XXXX is a breach of confidentiality. THE BREACH OF CONTRACT ON ALL THE INFORMATION YOU GAVE XXXX XXXX, ABOUT MY LOAN. REF : NUMBER IS XXXX. 

Chase can't have it both ways. Pick one. The one you picked is a crime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Acct # XXXX, # XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

15 U.S.C. 1681 section 602 A, states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has manipulated my consumer statement took out sentences etc PLEASE SEE MY REGISTERED LETTER TO ALL XXXX this is example on how they operate PLEASE THIS WILL BE EXHIBIT F these many of many you have no clue the damages being done XXXX has demonstrated very poor and known fact they thrive on the income that companies pay to XXXX you to be able to extend credit at high interest rates as you will see I pay my bills that are mine and thought in question can XXXX no mater if its 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 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has manipulated my consumer statement took out sentences etc PLEASE SEE MY REGISTERED LETTER TO ALL XXXX this is example on how they operate PLEASE THIS WILL BE EXHIBIT F these many of many you have no clue the damages being done XXXX has demonstrated very poor and known fact they thrive on the income that companies pay to XXXX you to be able to extend credit at high interest rates as you will see I pay my bills that are mine and thought in question can XXXX no mater if its XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : Upgrade # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-10 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:
on XXXX i recived my investigation results from trans union saying account was verified if that was the case i need the method of verification under Section 611 ( a ) ( 6 )

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 2022-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX {$8.00} ommitted, missing -- - CITIBANK account after purchasing gas XXXX XXXX  for {$25.00} XXXXXXXX XXXX XXXX  Other complaints have been made for theft @ CITIBANK XXXX XXXX XXXX  Only one customer service representative to address account.

They were cleansing -- a coffee scent They have the tellers completing IRA paperwork Could not find paperwork Mash potatoes and gravy XXXX XXXX XXXX XXXX XXXX XXXX, the teller, will ask the clerk at the desk for the paperwork and they could not find the sheets or forms and did not know the codes to access the computer. 
XXXX was trying to put her son in my XXXX to cleanse him. 
Stated we clean with your soul. 

The clerk at the desk discriminated based on hair texture and will then state you are here just for cleansing we are the ones stealing your money from the account. 

A XXXX could be heard on a loudspeaker stating to 'us you were not a XXXX ' that is why we treated you this way. 

Germans are for cleansing and diluting. 
I could not believe you are a XXXX. 

Filed several complaints for discrimination from Citibank on behalf of their representatives. 

They were performing vodoo as they held the paperwork. Representative stated we are trying to put our XXXX on you cause we get and work at bank.

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 2022-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
The company Barclays had me on auto pay throughout my year and half with them. They had given me an annual fee and I was not aware nor did I receive a message knowing the fee was due and I did not get a chance to pay it on time. If I was aware of the amount posted I would have paid in full as I am in autopay again. 
The annual fee of {$99.00} is paid now and I hope to get statements on time prior to my payments.

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