vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> someone hacked into my Citibank online account. They changed my online password and then proceeded to send XXXX wire transfers from my money market account for {$1800.00} each for a total of {$3600.00}. I was on the phone with the Citibank representative while the transfers were happening since I got an email telling me my online account password had been changed. I asked the Citi representative to lock down my accounts but she continued to ask questions and did not shut the accounts down fast enough as the hacker got more money. Citibank said they would reach out to the receiving bank to get the money back and I needed to wait 90 days. I waited 30 days and I had to reach out to Citibank to get status on the situation and they told me XXXX said there was no money in the receiving account and they would not return the money. I was then told to fill out a Wire transfer Fraud report to get my money from Citibank. Citibank has denied me my request to return the money stating it was a scam and not fraud. To this date I have not received any communication or correspondence from Citibank on the fraud or any investigation. I have had to reach out to them they never communicate with 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 monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items associated with my account. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : 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 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items associated with my account. I believe these items are fraudulent, and I request their immediate removal and resolution. 

I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within specified timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : 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 {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
XXXX bought my mortgage. 
Never contacted me. 
Put my home in foreclosure after 120 days. 
I finally found out when trying to obtain a loan. 
Immediately paid arrears and penalties. 
Emotional stress unbelievable. 
Credit score XXXX 
Want the lawyer 's fees and late fees refunded. 
Want my credit score restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I bought a car through Ally Financial, lost mu job in XXXX of XXXX. I voluntarily surrendered the vehicle in XXXX. I called several times to have them to pick up the vehicle. Finally they came in XXXX to pick up the vehicle, but they put two late payments on my credit report. When I requested them to pick up the vehicle my credit was in good standing and I was up to date on my payments. I feel that they waited to claim the vehicle so that they could charge me for more payments. They finally picked up the vehicle on XX/XX/year>. I called they on XX/XX/year> to ask them for the Bill of Sale for the vehicle from the auction. The representative said that they didn't have this information at the time and they would send this information to me. No I have received a latter from them saying that I owe them XXXX. I haven't received proof of the sale from the auction.

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 2024-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: AmeriCollect
State: AR

Complaint narrative:
I have contacted each credit bureau as well as the listed company to ask for verification of the signature. I also let the credit bureau and company know that I have been involved in Data breaches and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Originally on XX/XX/year> I purchased an engagement ring through XXXX. Unfortunately the ring was sent to the wrong address because XXXX dropped it off at the wrong address. I contacted XXXX and they did an investigation, which concluded with them finding that they indeed made an error and sent the package to the wrong address. 

I was going to XXXX in XX/XX/year> and was planning to propose there. XXXX and the resolution center was taking a longer time to resolve the issue. I then reached out to Wells Fargo. Wells Fargo gave me a credit for the purchase. During which time I was unaware that Wells Fargo needed additional information from me. Today XX/XX/year> Wells Fargo reversed the credit citing that I had not responded to a postal mail request from them. However, all my preferences for communication are set for email. 


My account is currently overdrawn because I reached out to Wells Fargo for help. If it was a matter of simply sending them in anything I was more than able. I still have all the correspondence between myself, XXXX and XXXX. This is all because the engagement ring I ordered went to the wrong address. I am currently unemployed and my unemployment insurance has been very essential to my well being and now I am in a much more challenging place because of my bank.

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 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Payment was made in full at XXXX on XX/XX/XXXX after hours of trying to log into my account and requesting a new password. Email shows payment was made, however the company did not process the payment until the next day stating " your scheduled payment has been updated '' and then posted it for XX/XX/XXXX. Also stating it could take another 2 days to process. 
Since then I've continued to receive " late fees '' stating the payment I made was late. 
As of XX/XX/XXXX I received roughly 1 call a day until XX/XX/XXXX when I started receiving multiple. The started calling on different lines after rejecting or blocking the calls. The call multiple times in a row and at all hours of the day and night. On XX/XX/XXXX I had 6 calls from 1 number, 2 from another and so on each day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending you a letter regarding the error and mistake that I have found on my credit report. This mistake that you are reporting is affecting my character and reputation as a consumer. Below is account that I am referring to : XXXX 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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I was involved in a really bad car accident and I was in XXXX  for XXXX  months I had to learn how to walk and do everyday life skills all over again during this time. Someone had got my information out of my purse which was inside of a wrecked car at a towing pound yard they decided to live their best life as me they started writing fraudulent checks doing all kinds of stuff on my account well my parents couldn't do anything about it because I didn't have a power of attorney at the time and whenever I did the original dispute they denied it because I didn't have a list of the transactions well I didn't know the transactions I just put from a you know the time I was in XXXX  the time I accident the time I got released from the hospital and so I peeled that situation and got a letter back probably a year later stating that those the charges were fraudulent and that I'm not held responsible well then I had to go through with dealing with XXXX XXXX  and I got that all completed now this is over to your time. I go to open they finally let me open up an account at Navy Federal credit Union which I've been a member since XXXX so I didn't want to lose that banking relationship with them when I go to open up my account everything was fine I go into the branch to pick up my debit card a week later and they tell me I have a charge off account and they're going to hold everything on the account mind you I've been battling this out with him for XXXX  years and finally I get a letter in the mail last year in XXXX of XXXX saying that I was not held responsible for these charges now they're telling me that it's back on my account and they have it as a deposits only account please help me solve this issue I've been going through for XXXX years with him

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: MI

Complaint narrative:
These tenant screening companies are reporting an alleged eviction. I would like to know how this information was obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Identity Theft and Credit Reporting Discrepancies Complaint I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues related to identity theft and inaccuracies on my credit reports. Last year, I discovered unauthorized inquiries and accounts on my credit reports, leading me to file a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 

Despite my efforts to rectify the situation, there has been no correction to the derogatory marks on my credit file that do not belong to me. I have contacted each credit bureau consistently from XXXX to XX/XX/XXXX to address and resolve these issues, but unfortunately, no progress has been made. 

In a recent call with XXXX on XX/XX/XXXX, I was informed that they have not received any of my disputes, even though I provided evidence to support my claims. This evidence includes proof of my FTC complaint from XX/XX/XXXX, as well as previous CFPB complaints filed last year. 

This ongoing situation has hindered my ability to obtain credit, and the lack of response and resolution from the credit bureaus is deeply concerning. I request the CFPB 's intervention to investigate this matter and ensure that the necessary corrections are made promptly. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Identity Theft and Credit Reporting Discrepancies Complaint I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing issues related to identity theft and inaccuracies on my credit reports. Last year, I discovered unauthorized inquiries and accounts on my credit reports, leading me to file a report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX. 

Despite my efforts to rectify the situation, there has been no correction to the derogatory marks on my credit file that do not belong to me. I have contacted each credit bureau consistently from XXXX to XX/XX/XXXX to address and resolve these issues, but unfortunately, no progress has been made. 

In a recent call with XXXX on XX/XX/XXXX, I was informed that they have not received any of my disputes, even though I provided evidence to support my claims. This evidence includes proof of my FTC complaint from XX/XX/XXXX, as well as previous CFPB complaints filed last year. 

This ongoing situation has hindered my ability to obtain credit, and the lack of response and resolution from the credit bureaus is deeply concerning. I request the CFPB 's intervention to investigate this matter and ensure that the necessary corrections are made promptly. Thank you for your attention to 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
this account # XXXX was disputed back in XXXX and was still showing on my report up until my second dispute. Now it is removed that is a violation because it shouldve been removed from the first dispute as it was sold to a third-party as a charge off, I dont owe any debt via the FCRA LVNV violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. *Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sending you a letter regarding the error and mistake that I have found on my credit report. This mistake that you are reporting is affecting my character and reputation as a consumer. Below is account that I am referring to : XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending you a letter regarding the error and mistake that I have found on my credit report. This mistake that you are reporting is affecting my character and reputation as a consumer. Below is account that I am referring to : XXXXXXXX XXXX XXXXXXXX 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo pulled credit reports without my authorization

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 2024-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
Credit Coll XXXX XXXX XXXX XXXX, MA XXXX XXXX This collection agency sent me a letter stating I owe {$30.00} from XXXX. I reached out to XXXX directly and they assured me I didn't owe anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please see attached file.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress 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 2024-01-30 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
Please remove hard inquiries 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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-30 00:00:00
Product: Credit reporting 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 non-monetary relief