vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I just recently got off the phone with the company and they wont put in a request of removal of a fraudulent hard inquiry from XXXX XXXX to transunion. They dont even have my information on file, I called 3 times most of them are lazy and was giving me a hard time.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
CB INDIGO ( Bank ) XX/XX/2022 I just recently got off the phone with the company and they wont put in a request of removal of a fraudulent hard inquiry from Insigo Mastercard to XXXX. They dont even have my information on file, I called 3 times most of them are lazy and was giving me a hard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1200.00}. Inquiry : 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 non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
A check in the amount of {$5100.00} was deposited to Citibank account ending in XXXX which is now closed, in XXXX of XXXX, issued to myself from XXXX XXXX Mediation Program Administrator.. The item was intercepted by a cousin with similar name, XXXX XXXX, signature forged, deposited via mail I believe. The cousin does not use a middle initial, my middle initial is XXXX for XXXX. Further, this account was opened fraudulently using my social security number by him, he is unable to open deposit accounts due to credit issues. He intercepted check after I moved from address which was in XXXX of XXXX, check was sent in XXXX via XXXX, intercepted by him. I moved to XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XX/XX/XXXX. Check was sent to prior address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XX/XX/XXXX. I became aware of this in XXXX of XXXX, alerted XXXX XXXX of non-receipt of payment, an affidavit was sent to me in XX/XX/XXXX to investigate. The investigation closed, supposedly resolved, Citibank claims account opened in my name, unaware of fraud including opening of account and interception of check ... .This information from Citibank was provided to me by XXXX XXXX XXXX my claim rep with XXXX XXXX . This payment represents compensation for unauthorized accounts opened by XXXX XXXX reps in addition to current account, the premise for bill pay when only XXXX account is needed for such service. I request Citibank release funds from account, send them back to XXXX XXXX in order for them to pay me for this item.

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 2022-02-09 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: OH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Information was sent to the credit bureaus stating that the payment is past due and delinquent. I've attached paperwork directly from XXXX site shows that it's current. This mistake has severely dropped by credit by XXXX points. I've always had great/excellent credit. I just need this to be corrected with all the three ( 3 ) credit bureaus.

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 2022-02-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Information was sent to the credit bureaus stating that the payment is past due and delinquent. I've attached paperwork directly from XXXX site shows that it's current. This mistake has severely dropped by credit by 144 points. I've always had great/excellent credit. I just need this to be corrected with all the three ( 3 ) credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: FL

Complaint narrative:
Information was sent to the credit bureaus stating that the payment is past due and delinquent. I've attached paperwork directly from XXXX site shows that it's current. This mistake has severely dropped by credit by XXXX points. I've always had great/excellent credit. I just need this to be corrected with all the three ( 3 ) credit bureaus.

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 2022-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL

Complaint narrative:
I purchased an Elliptical machine from XXXX XXXX on XX/XX/XXXX, with 12 months interest free financing done by Citizens One. Statement shows a charge for XXXX XX/XX/XXXX for {$2300.00}, 0 % APR 12 MO. I never received a paper statement showing when payment was due or who to send monies to. I did receive a email about statements, but it kept trying to have me set up autopay, which I don't do. Because of this, I was late on my 1st payment, but after calling XXXX to get info needed, Imade two payments in XX/XX/XXXX to catch up. All my statements showed " The current rate 0.000 % will end on XX/XX/XXXX ''. I paid {$200.00} a month to pay off the machine. My final payment of {$170.00} was posted and received by Citizens One on XXXX XX/XX/XXXX. However, I did not catch that XXXX had changed the 0 % APR pay off date to XXXX XX/XX/XXXX on the statement dated XXXX XX/XX/XXXX. I have never seen a company change payoff date in 40 years. But XXXX did it. They then were able to charge me interest of {$1.00}, which I paid and have asked for a refund. I am not a lawyer but this appears to be a deceptive practice and should be illegal. I want everyone in USA to know how Citizen One operates, so they do not get caught up in their deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I need to access my safety deposit box at the Wells Fargo XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX, GA XXXX ), but I have not been able to get in touch with someone who can get me access to the box. The branch is supposedly temporarily closed due to Covid-19. I have contacted Wells Fargo and followed their process to gain access, however I have not gotten a response from anyone that can help me. This has been ongoing since XXXX XX/XX/2022. I need to access important papers in my safety deposit box asap.

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I received a letter dated XX/XX/2022 from ChexSystems. There are several names, addresses, an email, and telephone number associated with the Consumer Id # XXXX. XXXX XXXX & XXXX XXXX XXXX have alleged debts associated with my Consumer Id. 

What name is associated with these accounts? 
What address is associated with these accounts? 
What Social Security Number is associated with these accounts? 
How was this information verified to be accurate?

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 2022-02-09 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: CA

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 XXXX 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 XXXX XXXX  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 .This 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 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX  XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old 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 2022-02-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-09 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 XXXXXXXX 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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
Around XXXX of XXXX, i contacted the company to ask for Covid Relief programs they may have as I had lost my employment and didn't know when I would return to work. I was informed they would see what programs I qualify for and that they would contact me with further information. 

In XXXX of XXXX, I realized I was still being charged over limit and past due fees. I called again and was assured that my account had been closed in good standing. I reiterated what I had been told, that my account had been closed in good standing and that there is no balance. I was assured that that was the case. I destroyed my card and was thankful, thinking that that was the end of it. 

On XX/XX/XXXX of XXXX, I called again as i was still being assessed late charges and over limit fees. Again i was assured the account was closed and would no longer be charged fees. 

I called again in XX/XX/XXXX, as my account was still being charged and now had a balance of {$540.00}. {$140.00} ove rlimit fee and an interest fee of {$14.00}. I was assured that the card is closed and that all fees would be credited back. Please understand that the last time I used this card was XX/XX/XXXX. 

I called again today, XX/XX/XXXX. My balance now {$420.00} with a late fee of {$20.00}. I was charged a late fee in XXXX XXXX of {$10.00}. a late fee in XXXX of {$20.00}. After XXXX, the agent hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 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: OH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: OH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX and I am a XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I started working at XXXX in XX/XX/2021. I, like my co-workers in the XXXX, use the square app for payment. Square.com has held my funds for the last 4 months citing a new " policy '' that they hold payments for new customers for 90-120 days. 

I need to pay booth rental, buy products as well as pay housing rent, food, etc. I have over 10k in that account and whenever I try to transfer the money to my bank account it gets denied. I need help as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I did not open any account on my own volition my information must have been recently leaked or stolen. Please close the account, and remove the inquiry from my 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 non-monetary relief
Consumer complaint received 2022-02-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 I did not open any account on my own volition my information must have been recently leaked or stolen. Please close the account, and remove the inquiry from my 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 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Commencing on or about the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX  XXXX ( the Scammer ), XXXX : XXXX  ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. Inquiry listed should be blocked, removed and suppressed for this are fraudulent and inaccurate. XXXX XXXX XX/XX/2022

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Over the past couple of months since XX/XX/2021, I have been trying to have the credit bureau fix my personal information that is being reported. This company never responds to my letters since I've XX/XX/2021. I will attach proof of address with my license to show proof what my current and only address has been the past XXXX years.

Company response to consumer: Closed with explanation