vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 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:
I pulled my credit report and I noticed errors on my credit report. I reached out to the credit bureaus and the companies listed but I have not been able to get any help. I have been trying to get this issue solved for month after month but I have been completely ignored by all parties involved. There are several accounts reporting illegally to my credit profile. I am very upset about this matter and it is very damaging to my character and credit profile. I am very upset and I hope that you can be of assistance to me. 

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX are all reporting illegally to my credit profile and my rights under the FCRA have been violated. 

1.15 USC 6801 ( a ) Privacy Obligation Policy : I have the right to privacy.

2. 15USC 1681 ( q ) : Obtaining Information Under False Pretenses : My written consent was not given to have this information placed on my credit report. Therefore, since my written permission was not given ALL of this information was obtained under false pretenses.

3. 18 USC 1028 ( a ) : Aggravated Identity Theft : My written permission was not given therefore these accounts fall under identity theft.

4. 15 USC 1681 c-2 : Block of Information Resulting from Identity theft. 
All these accounts should be removed immediately because they are a result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo closed my account. Its been over 3 weeks and theyve still not sent my balance I had in my account. 

Ive called them several times and they keep telling me unreasonable stories. I needed that money to take care of a sick XXXX uncle. 

I guess Wells Fargo will rather keep peoples money and use it for whatever they want to use it for, and give it back at their own convenience. This is Very very unethical.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: AR

Complaint narrative:
all 3 major credit bureaus have been furnishing incorrect information on my credit profile. the following accounts have been added to my credit profile unlawfully as they do not belong to my name.MY NAME IS XXXX XXXX, SOMEONE ELSE WITH SIMILAR NAME OR FRAUD INTENTIONS HAVE OPENED UP SOME ACCOUNTS THAT DO NOT BELONG TO ME OR HAVE NOT BEEN CONSENTED BY ME LEGALLY.I have filed a police report and obtained a copy of it, i have other supporting documents to support my claim that this is fraud conducted by all 3 major credit bureaus, XXXX, XXXX XXXX AND EXPERIAN ; XXXX  XXXX XXXX XXXX XXXX XXXX ( {$0.00} ) OPENED ON XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( {$760.00} ) OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX , ACCOUNT XXXX XXXX ( {$440.00} ) OPENED ON XX/XX/XXXX 4.XXXX  XXXX XXXX ACCOUNT # XXXX XXXX {$780.00} ) XXXX. XXXXXXXX XXXX  ACCOUNTS # : XXXX ( {$110.00} ), ACCOUNT # XXXX ( {$67.00} ), ACCOUNT # XXXX ( {$840.00} ) 6.XXXX XXXX XXXX, ACCOUNT XXXX XXXX ( {$610.00} ) XXXX XXXX ACCOUNT # XXXX ( {$780.00} ) ACCOUNT OPENED ON XX/XX/XXXX. 

7. XXXX XXXX ACCOUNT XXXX XXXX ( {$780.00} ) OPENED ON XX/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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023, I filed a claim in the amount of {$180.00} for an ATM withdrawal. The ATM didn't dispense any cash and it read " error. '' Unbeknownst to me, my account was debited the entire amount. I explained the entire situation to a claims representative and I was told to wait for the investigation to be completed. However, my claim was ultimately denied. I am now out of my money and there is nothing else I can do besides file this complaint in hopes of getting this resolved in my favor. I've provided as much information as possible, but I have been unsuccessful at getting my funds returned. I work very hard for my income and I'd appreciate a thorough investigation into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2023 at XXXX PST, my CashApp account was hacked and the {$30.00} was sent to someone I do not know and never had contact with. I did not authorize or complete the transaction myself. It was done when my phone was off and not in not in my hands. The person whom the money was sent to blocked me from being able to receive my money back from them. They also have multiple accounts with the same name but different XXXX. I reached out to support and they did not help. They said they couldnt verify the information even after I sent them everything they asked for. This has happened before and CashApp didnt resolve the issue. I even deleted the old account and changed my password, email, etc..I was left without the money that was supposed to be used for emergencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I had signed up for hurricane disaster relief after hurricane Ian, in which would lower my monthly payment or no payment at all. We asked the agent that we spoke to. Is this good affect our credit she said no. Then they come find out two months later no XXXX, I get a notification from XXXX XXXX showing Ive missed 30 and 60 day payments, so I called them I speak to someone explain the situation they do an investigation of the information I told him I was told they listen to the phone calls that were recorded and agree that their agent was in a wrong in their system. Coding was wrong so they sided with me in the investigation, so they needed to fix my credit reporting showing that I didnt pay for two months in a row and they close the account. Now here we are end of XXXX and now that Ive mentioned Im gon na get a lawyer involved because Im trying to buy a house and I need you guys to fix this. Were not gon na fix it now and I asked to speak to someone higher up there in the account manager, I was speaking to, and why did you weeks didnt get a phone call so I called back and was told someone would called me as soon as I get out of a meeting. Never got a phone call back. To also add I disputed the payment history for this card on XXXX XXXX and theyve corrected it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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: AR

Complaint narrative:
all 3 major credit bureaus have been furnishing incorrect information on my credit profile. the following accounts have been added to my credit profile unlawfully as they do not belong to my name.MY NAME IS SAID XXXX, SOMEONE ELSE WITH SIMILAR NAME OR FRAUD INTENTIONS HAVE OPENED UP SOME ACCOUNTS THAT DO NOT BELONG TO ME OR HAVE NOT BEEN CONSENTED BY ME LEGALLY.I have filed a police report and obtained a copy of it, i have other supporting documents to support my claim that this is fraud conducted by all 3 major credit bureaus, EQUIFAX, XXXX XXXX AND 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capitol One allowed a checking and savings account to be opened fraudulently even though I have locked my credit with all three credit unions and put on a fraud alert. No new accounts were to be opened without verifying with me per the fraud alert, but CapitalOne either saw the alert and ignored it or did not bother to check. 

Capital One does not provide a 24/7 hotline, or even an easy to find contact to report such fraudulent activities. There is a general number, but to actually speak with somebody you need to enter an account number, which I don't have, because I don't have an account. 

Capital One should have immediately flagged this account as suspicious : when a new account is created and then the contact phone number and email address are immediately changed that is a major red flag that any reasonable person would have picked up on, but Capitol One completely ignored this activity. 

XXXX : XX/XX/2023 XXXX, am woken up by a text message saying " Thanks for giving Capital One your mobile number ''. 

A few emails are received at the same time : 1 : Welcome, your new 360 Performance Savings account is open. 

2 : Congrats! Your new 360 checking account is open. 

3. Success! Re : your CapitalOne profile changes. One or more phone numbers on your CapitalOne profile have been updated. 

These were quickly followed up with : XXXX 1. We've updated your phone number 2. Your email address was updated With all of their automated systems, nothing about creating an account then immediately changing the phone number and email address raises a single flag?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: 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 U.S.C1681. ** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. ** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. Acct name : XXXX XXXX XXXX  XXXX Acct name : XXXX, 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 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 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 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. * 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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. * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received my report and noticed inquiries I didn't recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed account no reason around XXXX to XXXX never received a check with funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: 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 U.S.C1681. ** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. ** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, XXXX, XXXX and social. Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXX XXXX acct XXXX XXXX Acct name XXXX XXXX XXXX acct # XXXX Acct name : XXXX XXXX XXXXXXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct XXXX XXXX XXXX, acct # XXXX Acct name : Child Support acct # XXXX Acct name : XXXX, XXXX # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXXXXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXXXXXX XXXX XXXX XXXX, Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. * 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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. * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: 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 U.S.C1681. ** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. ** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXXXXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : Child Support acct # XXXX Acct name : XXXX, XXXX # XXXX Acct name : XXXX acct # XXXX Acct name : XXXX acct # XXXX Acct name : XXXX XXXXXXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX XXXX XXXX Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. * 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 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. * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Hi, I am a client of XXXXXXXX XXXX XXXXXXXX ( Headquarters ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. I have made a request for XXXXXXXX XXXX to transfer {$11000.00} to my bank account in XXXX to CLOSED JOINT-STOCK COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This transfer was made on XXXX of XXXX. And still, I haven't my money. The corresponding bank for this transaction is CITIBANK NY. And as XXXX XXXX said CITIBANK NY block this transfer, because of sanction. I have written to the OFAC and got an answer that they haven't found any blocked my funds. Also, XXXX says that Citi cant gives any clear information to them. And can't find any legal reason why it happened. I already filed a lawsuit against the XXXX regulator. I want to resolve this problem as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I received my report and noticed inquiries I didn't recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
Paid off debt in total to Target National Bank approximately 7 years ago. I never heard anything more from Target National Bank. 
Received a Form 1099C this year, indicating that the debt had been cancelled and that I had to claim as income on my taxes. 
Contacted them to correct this error. I have not received a reply by mail or phone and tax filing date is a month away.

Company response to consumer: Closed with explanation