vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-28 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: OPORTUN FINANCIAL CORPORATION
State: OH

Complaint narrative:
Opportun/XXXX  XXXX Credit Card is showing on my credit report that I opened it XX/XX/2022 and that I did not spend money until XX/XX/2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of Opportun/XXXX. I have also never had a visa credit card. I did not open a credit card other than a master card 2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX back in XXXX. I have also never been contacted by Opportun/XXXX in regards to needing to pay anything. This is 100 % not my account. I contacted Opportun and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: MS

Complaint narrative:
I've sent an affidavit to XXXX, XXXX, and Equifax showing my identity was compromised. I sent a death certificate and identification of the person who opened the accounts. I also sent my identification and they have done nothing. There are many names on my credit reports that are not mine. I verified MY identity but the names still remain. I have been in a paperwork battle with the XXXX credit reporting agencies since XXXX of 2022. They refuse to resolve these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: GA

Complaint narrative:
I have attached an FTC report with an account which is not mine, please delete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: PA

Complaint narrative:
I file a disputed in regard to in correct items that on my credit report. it has been well 30 days. I haven't receive investigation result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2021 we purchased a home that was on an XXXX auction in XXXX XXXXXXXX XXXX, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After receiving the title, Wells Fargo filed a XXXX XXXX against us and the previous owner who still owed on their property. We knew this could happen and were willing to pay the bank for the house, even though the debt was not ours. We thought that since they had abandoned it for over XXXX years, they would negotiate a good price. The outstanding balance at the time was {$260000.00} and we hired an attorney to help us settle the matter. We made multiple offers all well over XXXX and XXXX. All were turned down. I have reached out directly to Wells Fargo Leadership and no one responds or helps us come to a agreement. The judgement is now up to {$380000.00}, over XXXX in exorbitant fees have been added, not to mention the {$12000.00} our family has spent on legal fees to try and resolve this matter, to date. They insist on the foreclosure, although we have offered up to XXXX XXXX of the judgment, none of which is our debt and much of which is Wells Fargo fees. We have XXXX chidden that enjoy the schools here. We have been so stressed for almost XXXX years not knowing when we will be XXXX, by no fault of our own. We have invested tens of thousands to make this home that was abandoned to over XXXX  years, livable. We just want to keep our home and pay Wells Fargo for the others families debt and we have not been able to do so. Please provide any direction possible. Our family sincerely appreciates your time and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NC

Complaint narrative:
I have been with CashApp for over a year and since XX/XX/2022, i have been trying to cash out money sent to me for XXXX. It is now XX/XX/2022 and i do not have my money. I have made several attempts to resolve this with there team and filed complaints and nothing has happend. They have ruined my families XXXX and now have cost me over {$3500.00} because of their negligence to hold on to my money to earn interest that is unlawful after i have been trying to cash it out and pay their fees like i do everytime!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
DATE : XX/XX/XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX / XXXX XXXX XXXXXXXX FLORIDA XXXX XXXX CitiBank Account Number ending : XXXX Debit Card number : XXXX Citibank XXXX : XXXX XXXX XXXX, XXXX XXXX FL XXXX, XXXX Citibank branch number : XXXX Re : account frozen and false information reported by Citibank on my account. 

On XX/XX/XXXX I signed online in my Citi account and noted my account for travel notice from XX/XX/XXXX to XX/XX/XXXX and received confirmation. On XX/XX/XXXX I made a domestic wire transfer from my Citi Priority account in the amount of {$33000.00} into my Citi Business account. I received 3 different calls from citi fraud department, they verified every detail and told me the restriction was successfully lifted. On XX/XX/XXXX I received an email from citi bank that the wire transfer I made in the amount of {$33000.00} was canceled ( Reference Number XXXX ) The reasons for the cancelation were we are unable to reach out to verify the information you provided ) INCORRECT and false information was reported by Citibank. I verified 3 times over the phone every detail you can possibly verify. From XX/XX/XXXX I was calling Citibank daily sometimes 2 times a day to get this fixed and they were simply refusing to help me with anything, no matter how much I provide verification about myself. Citi bank claimed to protect their customers and they did completely the opposite. 

My account was frozen, my debit card was locked, and my online access was locked too while traveling with my family in XXXX for the XXXX. Citi bank completely shut off access to my only money and cause me huge financial losses and damage. On XX/XX/XXXX I receive a letter that my account will be closed within 60 days. Also, Citibank offered in the email to request my funds to be delivered to me sooner If I choose to, I did and Citibank failed to respond this is the message from the Citibank email we will send any funds belonging to you to this address, once the account is closed. If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card I did call and request my money to be mailed to me sooner, and Citi again failed to comply with their policy. I no longer want to be a Citi bank client, and want all my available funds to be mailed to the address on file ASAP. Citibank violate all my rights, reported false information, and keep XXXX my money. Citibank is committing a crime by reporting false information about me, and my account and keeping my money XXXX. 

Again, Im requesting Citibank sent all my available funds to the address on file ASAP before the account gets closed, this option was offered to me by Citibank, in their email. 
Sincerely 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 explanation
Consumer complaint received 2022-12-28 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: OH

Complaint narrative:
XXXX XXXX  Credit Card is showing on my credit report that I opened it XXXX XXXX, 2022 and that I did not spend money until XX/XX/2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX 2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX back in XXXX. I have also never been contacted by XXXX/XXXX  in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting Transunion and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: OH

Complaint narrative:
XXXX XXXX  Credit Card is showing on my credit report that I opened it XXXX XXXX, 2022 and that I did not spend money until XX/XX/XXXX 2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX  2 different times with my bank XXXX XXXX. It was not me who requested a report for that XXXX  back in XXXX. I have also never been contacted by XXXXXXXX  in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact XXXX to file a fraud report and will be contacting XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: OH

Complaint narrative:
XXXX XXXX  Credit Card is showing on my credit report that I opened it XX/XX/2022 and that I did not spend money until XXXX 2022 and that I am 30 days late in XXXX, 60 days late in XXXX, XXXX  in XXXX and 60 days late in XXXX. I have never heard of XXXX. I have also never had a XXXX  credit card. I did not open a credit card other than a XXXX XXXX 2 different times with my XXXX XXXXXXXX XXXX. It was not me who requested a report for that XXXX  back in XXXX. I have also never been contacted by XXXX in regards to needing to pay anything. This is 100 % not my account. I contacted XXXX and they said they would reach out to me. I havent heard from them. I did contact Experian to file a fraud report and will be contacting XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NJ

Complaint narrative:
I file a disputed in regard to in correct items that on my credit report. it has been well 30 days. I haven't receive investigation result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: MS

Complaint narrative:
I've sent an affidavit to XXXX, TransUnion, and XXXX showing my identity was compromised. I sent a death certificate and identification of the person who opened the accounts. I also sent my identification and they have done nothing. There are many names on my credit reports that are not mine. I verified MY identity but the names still remain. I have been in a paperwork battle with the XXXX credit reporting agencies since XXXX of XXXX. They refuse to resolve these issues

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: MS

Complaint narrative:
I've sent an affidavit to Experian, XXXX, and XXXX showing my identity was compromised. I sent a death certificate and identification of the person who opened the accounts. I also sent my identification and they have done nothing. There are many names on my credit reports that are not mine. I verified MY identity but the names still remain. I have been in a paperwork battle with the XXXX credit reporting agencies since XXXX of XXXX. They refuse to resolve these issues

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2022, I received fake wiring instructions to have my client XXXX XXXX wire funds to a XXXX XXXX XXXX, XXXX XXXX. The wire directed my client to forward those funds to XXXX XXXX XXXX XXXX XXXX. I forwarded these instructions to my client who wired {$34000.00} to JP Morgan Chase with this name on the account and account number XXXX. This account was actually in the name of XXXX XXXX XXXX, not the XXXX XXXX name. Those funds went to the XXXX account instead of the Trustee and XXXX subsequently closed the account. JP Morgan Chase refuses to discuss the issue and I subpoened the deposit account information which I am attaching. They have no one to speak to and have stonewalled my requests to speak to their in house counsel. I have had to reimburse my client for the funds fraudulent stolen from him. The bank should never had deposited the funds in an account that did not match the name on the wiring instructions. They have refused to do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NJ

Complaint narrative:
I file a disputed in regard to in correct items that on my credit report. it has been well 30 days. I haven't receive investigation result.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NJ

Complaint narrative:
I file a disputed in regard to in correct items that on my credit report. it has been well 30 days. I haven't receive investigation result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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: NC

Complaint narrative:
About XXXX  years i decided to monitor my credit report because I was interested in becoming a mortgage loan originator and I knew they will check my finances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) upon checking my credit report I immediately saw inaccurate information, names, accounts that I have never seen a ridiculous amount of inquiries soft and hard mostly for cars, loans, credit cards and mortgages when I never initiated any of it. I downloaded the experian app and it proceeded to tell my information was sold on the XXXX XXXX I contacted all three credit bureaus via phone to alert them and freeze my reports but the dings to my credit didnt stop at all. I disputed each one on the app and I sent letters to prove it wasnt me and they still left the information there. This is hurting my livelihood overall and preventing me and my children the life I work hard for everyday and I would like all of the inquires and accounts of my credit report stemming from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-28 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
Credit went from. Good to poor, due to identity theft, in last 8 months. All federal Pell grant, loan, and ssdi 'missing ', and it seems like us bank would prefer I die rather than help me- just judging from their continual assassination of my supposed character.

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