vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: PA

Complaint narrative:
Fraudulent accounts and inquiries appearing on credit report. 


1. XXXX {$380.00} 2. XXXX Bank XXXX {$560.00} 3. XXXX XXXX Bank {$120.00} 4. XXXX XXXX XXXX {$180.00} 5. XXXX XXXX XXXX {$2000.00} Inquiries 1.XXXX on the boul, 2. xXXXX  of a

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 2023-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called Citi Bank 3 or more months ago to close my account and send me a check for the funds. They sent me a check, but never closed the account. During the past three or so months they have been charging me service fees for a account I thought was closed and had a XXXX balance. They are trying to make me pay XXXX or they said they would report to a collection agency and alert the banking network so I would have a hard time opening new accounts.

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 2023-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/, I same-day domestic wire transferred {$26000.00} from my XXXX XXXX XXXX XXXX XXXX ) Business Account ending in XXXX to Wells Fargo Bank ( WFB ) for beneficiary/account holder of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. According to XXXX, WFB accepted the wire on XX/XX/. However, the following week, my vendor XXXX still had not received funds into their account. When she called WFB, they told her that they were awaiting additional information from XXXX. I called XXXX and they told me that they sent the additional information. Still, the funds sat unreleased for a couple of weeks. On XX/XX/, funds had still not been released to the beneficiary and I initiated the wire recall to my bank of XXXX. I was told that WFB could take up to 24-48 hours to acknowledge the recall and from there, it would be unknown when my account at XXXX would again see my money returned into my account. Today, XX/XX/, I called XXXX to inquire the status and they told me that WFB has not yet acknowledged the recall and they do not have the ability to take funds back from them. My complaint is that WFB is illegally holding funds that do not belong to them, not informing their account holder or BofA of the status or informational needs to release funds and I believe that WFB is in violation of Federal Banking laws and consumer protection rights. I want either the funds to be returned to my BofA account immediately or released to the beneficiary that I originally intended.

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 2023-04-07 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: PA

Complaint narrative:
Fraudulent accountant increase appearing on credit report. 
Accounts 1. XXXX XXXX {$430.00} 2. XXXX {$930.00} 3. XXXX XXXX XXXX {$550.00} 4. XXXX XXXX XXXX Simple {$5000.00} 5. XXXX XXXX XXXX {$15000.00} Inquiries XXXX, 2XXXX, 3. XXXX XXXX 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 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have been disputing XXXX and the Department of education. Listed on my consumer profile. The Accounts are all reportintg the same account numbers. 

There are multiple accounts with the department of education and Navient showing the same account number and reflecting different information. 

some accounts are saying paid and closed with late payments. I was not late on any payments. 

I want would like these accounts removed because it is harming me. And not accuractly showing my credit worthiness. I would like to buy a house in my future. 

I have tried contacting and disputing these accounts and they ignore me. I have tried calling and and both compaines point the finger at each other. Lately i just have been ignored. 

XXXX shows 4 accounts with the account number : XXXX showing two accounts for the same date of XX/XX/XXXX paid & closed with same orignal balance of XXXX, the second & third account for navient states they were opend on XX/XX/XXXX paid and closed with a orignal blance of XXXX, and the second one stating a orignal balance of XXXX. 

In addition i have the the Department of education showing the same account number as XXXX : XXXX with XXXX accounts saying they were opened on XX/XX/XXXX paid and closed with orignal balance of XXXX and the second one showing a balance of XXXX claiming they recieved late payments which is false. 

Then there is a third account with the Departmet of education showing account number : XXXX saying it was opened XX/XX/XXXX and has a balance of XXXX. In good standing and no late payments. 

These compaines have violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They never sent me any proof of debt validated or contractual agreemnet between there company and I. I aslo requested for names and addresses of every person who they spoke with about these accounts. I never recieved any information.

In addition they violated the 15 U.S.C. 1681b - Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report Im tired of being ignored.

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 2023-04-07 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been disputing XXXX and the Department of education. Listed on my consumer profile. The Accounts are all reportintg the same account numbers. 

There are multiple accounts with the department of education and Navient showing the same account number and reflecting different information. 

some accounts are saying paid and closed with late payments. I was not late on any payments. 

I want would like these accounts removed because it is harming me. And not accuractly showing my credit worthiness. I would like to buy a house in my future. 

I have tried contacting and disputing these accounts and they ignore me. I have tried calling and and both compaines point the finger at each other. Lately i just have been ignored. 

XXXX shows 4 accounts with the account number : XXXX showing two accounts for the same date of XX/XX/XXXX paid & closed with same orignal balance of XXXX, the second & third account for navient states they were opend on XX/XX/XXXX paid and closed with a orignal blance of XXXX, and the second one stating a orignal balance of XXXX. 

In addition i have the the Department of education showing the same account number as XXXX : XXXX with XXXX accounts saying they were opened on XX/XX/XXXX paid and closed with orignal balance of XXXX and the second one showing a balance of XXXX claiming they recieved late payments which is false. 

Then there is a third account with the Departmet of education showing account number : XXXX saying it was opened XX/XX/XXXX and has a balance of XXXX. In good standing and no late payments. 

These compaines have violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They never sent me any proof of debt validated or contractual agreemnet between there company and I. I aslo requested for names and addresses of every person who they spoke with about these accounts. I never recieved any information.

In addition they violated the 15 U.S.C. 1681b - Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report Im tired of being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Dear CFPB, I am writing to you as a resident of Illinois in an attempt to remove a collection account from my credit report. I have contacted the three major credit bureaus - XXXX, XXXX, and XXXX regarding an item listed on my credit report as a collection account, specifically " Credit Collection Serv XXXX ''. Despite disputing this item with all three bureaus and sending letters via mail, I have not received any written or verbal response. XXXX informed me that the collector had responded and that I would receive their response via mail, but it has been over 90 days and I have not received anything. 

I do not believe that this collection account belongs to me, as I have never been contacted by this debt collector through any form of communication, such as mail or phone. Despite this, the account is negatively impacting my XXXX XXXX and overall credit, and I have not received any proof or validation of the debt. As such, I am requesting that this account be removed from all three bureaus since it does not belong to me. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute inaccurate or incomplete information on my credit report. Additionally, the FCRA requires credit bureaus to investigate disputed information and remove inaccurate or unverifiable information within 30 days. In my case, the credit bureaus have failed to comply with these requirements, and I have been unfairly burdened by this collection account on my credit report. 

Furthermore, the Illinois XXXX XXXX XXXX ( XXXX ) prohibits XXXX from using any false, deceptive, or misleading representation in the collection of a debt. The XXXX also requires XXXX to provide written validation of a debt within five days of initial communication with the debtor. In my case, I have not received any communication or validation of the debt from the collector, which further supports my claim that this collection account does not belong to me. 

In light of the above, I urge the CFPB to investigate this matter and take appropriate action to remove the collection account from my credit report. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}

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
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I called Capitol one ( my credit card company ) and ask them if they could add my account information to XXXX Credit Bureau Agency so i can have a longer credit history on my XXXX credit report. Capitol One reply 's that I need to contact that credit bureau and have them add it on to my report. And I called Cap One and XXXX least 3 times Each and almost XXXX hours later, both parties claim that there's nothing more on their end they can do. 
My question to cfpm is what can i do on my part to get my Cap One credit card info on to my XXXX credit report? i have excellent payment history gone unnoticed and 11 years of great credit payment history. Please advise

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00},

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
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: PA

Complaint narrative:
ERC Collections keeps calling my cell phone. I want their communication to stop unless it's written communication. I have never received anything in the mail from this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank provided written response to my complaints that included false and misleading information to cover up the ongoing racially motivated attacks against me by their employees. I have been harassed! False information placed on my credit report by Citibank. They dismissed me and took no actions against the all the employees involved with their XXXX discrimination against me. I have done nothing. Citibank has refused my repeated requests for my account notes! Dates and times and reason fraud claims were opened on my account that I never requested nor consented too. Citibank is creating a hostile environment where XXXX consumers are not protected from their XXXX employees taking unlawful and unjustified adversed actions towards XXXX American customers. They have caused me financial harm, lied and falsely accused me and take no responsibility for the ongoing harassment by their XXXX employees since 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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Hello and good afternoon to whom it may concern, My name is XXXX and I'm currently pursuing a records request from a Bank named Huntington. I've have made at least 7 attempts ( fXXXX ) to reach out to them for help regarding a copy of a canceled check payable to the IRS in XXXX. The process started with some human contact in the first XXXX attempts and now they are failing to respond or act in good faith to this request. I closed out my accounts in XXXX, XXXX so I no longer have the records or access to the accounts to which this check derived from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640. 
As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by LVNV FUNDING. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations. 
Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Title : Identity Theft - Unknown Entity Applying for Credit Card with Bank of America On XX/XX/2023 I received two emails at XXXX and XXXX ( EST ). 

The first email was sent from what appeared to be Bank of America : XXXX, subject line read " Verify your email address '', the body of the email gave a link to confirm email address. 

The second email was also sent from what appeared to be Bank of America : XXXX, subject line read " Your Credit Card Application Has Been Received '', the body of the email read : " Your credit card application has been received, We wanted to let you know that we've received your application for the Free Spirit Travel More World Elite Mastercard. We're currently reviewing your information and you can check your application status online at any time. Your application reference number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   '' I then contacted Bank of America credit fraud services- which they cancelled the credit card application and filed a fraud report, which they told me it will remove from my credit report. 

I then contacted XXXX, to update them and create a fraud report for the inquire that was made in my name. 

I have also changed my email password immediately after identifying the concern.

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