vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX of 2021 i was a victim of identity theft, a person stole my belongings and my identification and wells fargo debit card were in the wallet that was stolen by the thief, i then reported this to the XXXX police department who were very nice and were able to make an arrest. I gathered all the documents to prove wells fargo i was not responsible for the charges made with my debit card. I even have a XXXX police XXXX willing to confirm this information, when i opened the claim with wells fargo, they decided not to listen to me, or even pay attention. I asked for a fax number or physical address to send the documents that would prove my case and they never gave me an address, they gave me a fax number that is not working, and after denying my claim, they decided to close my account, they never sent me a letter explaining why they denied the case, why they closed my account they simply kept my money, we are talking about more than ten thousand dollars. 

account number : XXXX fraud claim number : 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 2022-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This is a follow up response to CFPB complaint XXXX ( response from XXXX & XXXX ). I believe you all need to investigate any illegal attempts for these law firms and financial institutions illegally charging fees, obtaining charged off accounts. I am familiar with the ( Fair Credit Reporting Act ). Midland Funding is not the original creditor of whatever debt this is. I have no prior relationship with them. Therefore, I have requested a complete transaction history, previous payoffs, charge offs from prior creditors that might have had this debt. I have requested this information a few times. I have not received anything from the Midland Funding or their attorney 's. This leads me to become a bit suspicious of their activities. They should have this information. I want to see what the original balance was prior to them obtaining this debt they state is mine. I want to see if they've illegally charged fees on a charged off account. Per an attorney who gave me free legal advice they are supposed to provide the requested this information. Also, he stated they are not supposed to charged additional fees once an account has been charged off. Therefore, I would like to see/know if there were any illegal steps taken in obtaining this debt. I still don't know what the debt is for because I don't know who the original creditor is. Also, I am considering filing a complaint with whoever oversees the CFPB I see that there are several options to filing a complaint such as CFPB Ombudsman, Office of Inspector General, Counsel of Inspectors General on Integrity and efficiency and Council of Inspectors General on Financial Oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2021 I purchased some car floor covers on XXXX using my CitiCard, I was billed {$310.00}. I returned these items, and XXXX confirmed receipt of the return and claimed they were giving me a full refund. This refund never occurred. I disputed the charge and CitiCard has not resolved the matter although they were given evidence of the items being returned via UPS tracking number and the email confirmation from XXXX. It has been over six months no resolution and they ignored by evidence. I sent it back with UPS trackingXXXX. Oddly, this was confirmed by XXXX but they then only refunded {$21.00} of the order, not the full {$310.00}. This partial refund confused CitiCard and they claimed I was full refunded. I attach the original invoice, and the proof of only partial credt.

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 monetary relief
Consumer complaint received 2022-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
EQUIFAX DID NOT FULFILL THEIR FCRA 611, 15 U.S.C.1681i, REQUIREMENTS FOR REINSERTION OF PREVIOUSLY DELETED MATERIAL, SEE BELOW EXPLANATION. 

ON XX/XX/2021, I DISPUTED XXXX XXXX XXXX XXXX ACCOUNT # XXXX, WITH EQUIFAX, ON NOVEMEBR XXXX EQUIFAX REMOVED THIS ACCOUNT FROM MY CREDIT REPORT. 
I WAS SHOCKED TO SEE THE PORTFOLIO ACCOUNT BE REINSERTED ON XX/XX/XXXX TO MY EQUIFAX CREDIT REPORT. 
EQUIFAX FAILED TO GIVE ME A 5 DAY NOTIFICATION ABOUT REINSERTION OF THIS ACCOUNT AND EQUIFAX DID NOT FURNISH ME PROOF OF CERTIFICATION BEFORE REINSERTING THIS INVALID ACCOUNT, BOTH BLATANT FCRA 611, 15 U.S.C 1681i VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
I have attached and FTC report I have already tried to send to the Bureaus and they aren't responding that's why I am reaching out to you guys

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: AL

Complaint narrative:
On XX/XX/XXXX Equifax reported that my credit score dropped XXXX points. The four changes that occurred were ( 1 ) My XXXX XXXX Credit Card balance increased by {$6600.00} ( 2 ) XXXXXXXX DBA XXXX XXXX account closed ( 3 ) XXXX DBA XXXX XXXX balance decreased by {$100000.00} ( 4 ) XXXX XXXX Credit Card number changed because of expected fraud. What I am questioning is yes my Credit Card Balance increased by {$6600.00} but my balance at XXXX DBA XXXX XXXX decreased by {$100000.00}. It looks to me like that would well over ride the {$6600.00} and make my score go up and not down. On XXXX the decrease of {$100000.00} did make my score go up so why did Equifax lower my score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I ordered some ornaments on XXXX on XXXX for {$43.00}, invoice attached. I returned these items. XXXX confirmed receipt. XXXX issued two refund, one for {$22.00} and one for {$21.00}. They confirmed these two amounts and transaction ID 's. CitiCard however did not credit me for the {$21.00} only the {$22.00}. The vendor refunded me the {$21.00} and it seems as if CitiCard has absconded with my monies and not credited 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 monetary relief
Consumer complaint received 2022-01-06 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: VA

Complaint narrative:
I XXXX XXXX am federal protected under the FDRA and FDCPA. XXXX XXXX violated me and are damaging my consumer report of a balance of {$15000.00}. 15 usc 1681b, 15 usc 1666b, 15 USC 1692D ( 4 ) and harassment 15 usc 1692D ( 5 ). I have kept careful Records of this situation. This account reporting on my report without my written or oral 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 2022-01-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: FL

Complaint narrative:
I am writing this complaint to inform the CFPB, XXXX and XXXX that I am a victim of identity theft. I XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. XXXX and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so.

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 2022-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021, I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that 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. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2022-01-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00}XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$1200.00}

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 2022-01-06 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: NY

Complaint narrative:
My credit score with all three major credit reporting companies has been over XXXX until XXXX when Equifax dropped my score by XXXX points from XXXX to XXXX even though nothing in my life regarding my finances/debt had changed. I called Equifax on XXXX and was on the phone being passed around to 5 different people for over an hour and was told that they could find absolutely no reason why my score dropped and they could not understand that it had happened ( the call was apparently recorded so they can listen to it ). I then asked that my credit score be but back to where it was ( XXXX ) and was told that there was nothing they could or are willing to do. This is ridiculous as I have worked so hard to get my credit where it is and to have it go from excellent to fair for no reason is ludicrous. There is something wrong here as Equifax is the only one of the three companies that dropped my score, again even though nothing in my financial status has changed. It seems unfair that they can just do what they want and make credit scores whatever they want. I requested 4 times to speak with a supervisor but was never put through to one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX  XXXX  denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX  refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2022-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
My Wells Fargo ( XXXX ) home mortgage ( # XXXX ) in XXXX was paid off in XXXX. In XXXX XXXX XXXX sent me a refund of a rate lock extension fee ( {$1500.00} ) plus interest for XXXX years ( {$150.00} ) plus compensation for loss of use ( {$140.00} ). The interest for XXXX to XXXX seems fair but the compensation for loss of use for the ten years XXXX to XXXX, is not adequate. A fair compensation for loss of use of {$1500.00} for 10 years should have been closer to {$1000.00}, not {$140.00}. 

XXXX rejected my request to explain its calculation of the loss of use calculation and rejected my request for additional compensation. I trust the CFPB can 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 2022-01-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on XXXX, Transunion and XXXX 's reports. XXXX shows completed, however the past due dates are still present on the credit report. Transunion and XXXX have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. 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 non-monetary relief
Consumer complaint received 2022-01-06 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: TX

Complaint narrative:
I received 100 % Total XXXXisability rating from the VA XX/XX/2021. The following day I submitted the forms to have my student loans discharged. The student loans were discharged, but none of my credit reports were accurate. I filed disputes for all of the student loans shown on XXXX, XXXX and Equifax 's reports. XXXX shows completed, however the past due dates are still present on the credit report. XXXX and Equifax have more than 24 student loans listed for me, but most of them appear to be the same loans that were at some point transferred to another servicer. We are about to purchase a new home and accurate credit reports are vital to our family. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I had two separate fraud claims with ALLY BANK One for {$25000.00} and One for {$750.00} I called at least 25 times to resolve these matters. Instead they falsly claimed they sent forms to my address with no proof. 

Instead of returning my money they closed my amounts. 

This bank committed fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}

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