vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-18 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
i previously opened a case that was closed after Experian responded,,, case number XXXX the problem was that the answer that was given was false and not true at all and since i cant respond in a closed case im opening another as i was advised to do when i called in to speak to an agenct. i stated in the case that for 4 months straight i had sent letters challenging incorrect information on my credit report and all of those challenges were ignored ... no receipt, no investigation, or anything. experian responded and stated that i called in on XX/XX/XXXX regarding this and that they fixed the action. this is not true as i called in to experian on XX/XX/XXXX for a totally different matter all together. that issue was that for whatever reason my credit card through XXXX XXXX had been removed from my report and all of the credit history, credit limit and everything had been removed from experian causing my score to plummet XXXX points ... .i called in to ask what happened. this had nothing to do with the complaint i filed here stating and showing proof that for 4 months i have sent in written challenges regarding several different issues on my credit report... not only had they not acknowledged those, they never even bothered responding to any of them ... so the answer they gave was false... they have no acknowledged those letters that were sent out in XXXX, XXXX XXXX and XXXX so im filing another case

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 2021-11-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello CFPB, I would like to file a complaint to Citibank. Last week Wednesday XX/XX/2021, I was trying to transfer my money of {$190000.00} from Citibank to my XXXX XXXX Account. I was not able to complete the transaction online because the Citibank external transfer is limited to {$10000.00}. And I called Citibank, the representative suggested me to do a wire transfer instead. And I did the wire transfer on the phone with the Citi representative under her instruction. And the representative told me to call back the next day to confirm the wire transfer. 
On Friday XX/XX/2021, I called Citibank, the first representative told me she wasn't able to confirm with the transfer and told me to call back in 3hours. I waited and called again, the second representative said she was not able to confirm and said someone will contact me for confirm, I waited for another 3hrs, no one have ever contacted me. Then I called Citibank again on the same day evening, same response, they can not get a confirmation. 
On Friday XX/XX/2021, I decided to cancel the wire, and tried to pull the money from XXXX external transfer from Citi in two transactions, {$100000.00} on XX/XX/2021 and {$90000.00} on XX/XX/2021. 
Today morning XX/XX/2021, I got an email from XXXX indicated that my account from Citi is frozen and they are unable to do the transfer. 
I immediately called Citi to find out what is happen to my account, I waited an entire day for an answer, the representative told me that they will be able to unlock my account with the fraud prevention department, but wait an hour wait, and verification with the fraud prevention department, the representative told me he was not able to unlock my account, and the account is still under review. 
Citibank case number is XXXX, and the person from the fraud department name is XXXX. 
The money that I initially deposited into Citibank came from the same account that I was going to transfer my money back, XXXX. Both accounts below to myself, solely, and with the exact same name on the account. There is no reason for Citi to hold my fund. 
Citibank is taking unreasonable amount of time to review my account for almost a week. and I'm still not able to access to my own money!!! 
Please help me to fix this problem. 

Thank you. 

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 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
American Express has continued to harass me, they check stalk my XXXX XXXX account, how do I know cause it says checked by Amex, they wrongfully charged my account a fee XXXXmonths ago or so and now XXXXmonths later they told me it was an error and issued me {$4.00}, I told American Express customer service to stop sending me letters but they have refused, Amex did not help me as a customer to fight fraudulent charges on my account, that have always been messing with my money, I believe Amex is the worst company to bank with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 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: FC HoldCo LLC
State: TX

Complaint narrative:
I have sent numerous of Letters stating that XXXX was reporting a inaccurate account, They have refuse to fix this issue even after numerous of times of proof. XXXX is reporting a Charge off monthly on my credit report after XXXX of it being charged off. This account is is supposed to be dead account but it is still reporting a active payment history. Each time the Charge off is reporting the statue of limitations is directly changed. They have refused to correct or investigate this 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 explanation
Consumer complaint received 2021-11-18 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX and XXXX have this company on their report. XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management, File # XXXX XXXX. For a total of {$8200.00}. 
I have know Idea who they are or what this amount was spent on. I am completely in the dark on this matter. Where was this account originated. I have disputed this with XXXX and XXXX with no avail. Please Help me I have know Glue what this is for? 
XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX, MI.XXXX I have never heard of these companies or that large amount of money!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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:
AS I REVIEWING MY CREDIT REPORT. I NOTICED MULTIPLE ACCOUNS THAT DON'T BELONG TO ME. MY IDENTITY WAS STOLEN IN THE PAST.

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 2021-11-18 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Account Number XXXX XXXX  This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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 been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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 have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, Experian and XXXX back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

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 2021-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: TN

Complaint narrative:
They are sending debt collection letter and I responded with a letter to not contact me again. I do not owe the debt stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section XXXXB that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's 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 2021-11-18 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: FL

Complaint narrative:
AS I REVIEWING MY CREDIT REPORT. I NOTICED MULTIPLE ACCOUNS THAT DON'T BELONG TO ME. MY IDENTITY WAS STOLEN IN THE PAST.

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 2021-11-18 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:
AS I REVIEWING MY CREDIT REPORT. I NOTICED MULTIPLE ACCOUNS THAT DON'T BELONG TO ME. MY IDENTITY WAS STOLEN IN THE PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
There was an uber barclays credit card that was opened using my social. I never applied for this card. Someone has access to my social and has used my identity and social to apply for credit fraudulent, including this uber barclays credit card.

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 2021-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
I called Convergent services about a debt I owed. Once connected with an agent I could not get a straight answer about what the debt was from. Agent then asked if I had a job I said yes. Agent then responded that theyd put me on a payment plan. I declined and let the agent know I would contact XXXX directly to figure out what exactly I owed from. Agent then responded why would you do that and what am I not understanding? I let him know that I would contact XXXX and figure it all out and make a payment in the coming days. Agent stated that he would be calling me back and threatened me by saying that I better pick up or else. When I asked him to repeat himself he asked what was that so I repeated asking him to repeat himself and he disconnected our call.

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 2021-11-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America sold to XXXX XX/XX/2011 and was supposed to file a release of XXXX with the bankruptcy court but did not. The current title report still shows a XXXX with Bank of American and they say it's not their problem. I can not re-finance because of this 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 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MD

Complaint narrative:
Previous complaint : XXXX ... .was not resolved. When I thought all was good. Account was re-opened. Sent my ID, email and current address. It stayed open maybe two weeks or so before it happened again. I firmly believe the hack was inside job. Only way to get any resolution is through email. Chime denied my dispute of returning {$400.00} of my money. If I did not have any access to my account during the the time of the hack. How in the XXXX can I use it make purchases? And why would I. I have an Android not an XXXX. 
Chime closed the checking and XXXX XXXX XXXX  Credit Card which damaged my credit without my knowledge. My balance was negative, in a Spot Me feature Chime gives as an Overdraft cushion. They knew I pay it back every pay day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 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: CO

Complaint narrative:
Experian is not reporting correctly, I have to credit card tradelines on my credit profile, XXXX XXXX XXXX XXXX both XXXX XXXX XXXX are reporting positive and accurately. I have reach out to Experian asking them to update their reporting but it has been over 90 days and I have had no response. 
Please start and investigation to have my credit profile corrected. 

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 explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021, a dispute letter was submitted via mail and fax to XXXX, Experian and XXXX in reference to the Bankruptcy listed which is inaccurate on my credit reports. I have allowed substantial time to resolve my concern due to the pandemic. I have also contacted the Courts as well and they advised me they do not report to the Credit Bureaus. If the Courts do not report to the Credit Bureaus, how is this listed on my credit report? By FCRA law, all Credit Bureaus are required to validate/verify information BEFORE it is added to a consumer credit report. The Bankruptcy listed is in violation of FCRA not only because the courts do not report information to the Credit Bureaus but by law the Bankruptcy must report City, State and Court Name which it doesn't. This Bankruptcy is negatively impacting my ability to secure new credit and or purchase a home. I request full removal and an updated copy of my credit report mailed to 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 2021-11-18 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:
There is a XXXX  on my report that is incorrect please remove. This item is not mine please send verification or remove. Ive requested legal correspondence and have received none. Please remove I have contacted the courts they say theyve never reported this information to my report I dont have these on XXXX or XXXX XXXX guys seem to report this fraudulent information monthly again please remove.

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 2021-11-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: CA

Complaint narrative:
Carmax reported on XX/XX/21 on my credit report which I didn't authorize or apply for any car loan and it appears on my credit report ... .Their address XXXX XXXX XXXX XXXX GA XXXX Their phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/2021 there were two withdrawls made from my personal checking account in the amount of {$2500.00} each in two seperate areas in Florida. I live in XXXX Arizona and was not in Florida during the time the money was taken from my account. Wells Fargo did not notify me of any suspicious activity. I noticed the activity on my account and notified Wells Fargo of the withdrawls made and a claim was established. Since that time multiple claims regarding the same issue have been submitted and all claims have been denied by Wells Fargo with them saying there was nothing else they could do for me and suggested I contact the sheriff 's departments. I then contacted XXXX XXXX XXXX XXXX XXXX. as well as XXXX XXXX XXXX XXXX XXXX. Neither of the sheriff 's departments were able to help me recover my funds. I did receive a suspicious email saying a card was added to my XXXX XXXX, but I am unaware of what that is. At no time in my life have I ever given another person my personal information or been irresponsible with it. I have been trying to get my money back for months now with no help from Wells Fargo.

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