vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 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: BTH Management
State: AL

Complaint narrative:
these people ran my credit and added to my credit without me signing any documents, I don't know half of the people that's on here 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 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 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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
these people ran my credit and added to my credit without me signing any documents, I don't know half of the people that's on here 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 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 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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This account is being reported incorrectly ; it is being reported as an OPEN COLLECTION PAST DUE. Per FCRA I have the right to accurate reporting. DELETE IMMEDIATELY and provide me with an updated report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i recently checked my credit report and saw accounts reporting that i do not recognize

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 2024-03-06 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: NY

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2023 I requested to have my XXXX XXXX  account balance ( {$2900.00} ) XXXX  out in reference to the document I submitted to Experian and XXXX credit agencies. Both agencies refused to make the corrections to my credit report. XXXX XXXX  and I no longer do business together ; balance shown on credit report was paid off XX/XX/2023. 

I am willing to submit the documents as needed.

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 2024-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/year> Servicer sent me a wrong-erroneous mortgage accounting record on XX/XX/XXXX, XXXX see attached. 
Acct # XXXX for the amount I executed, agreed to, was {$7500.00} beginning XXXX XXXX via a signed promissory note by me-see attached. 

RESPA Violated by Servicer- Servicer keeps sending me the wrong records- it's a XXXX pdf document showing a totally DIFFERENT amount owed than the $ XXXX see attached. These accounting records belong to someone else. 
The account number is correct, however the account balance from the promissory note vs the servicer records from US BANK NATIONAL is unreconciled, totally different, more than 100xs {$7500.00} original account balance - see attached. 
Therefore my mortgage payments sent to the Servicer US BANK NATIONAL have been MISAPPLIED or may be sitting in a SUSPENSE account held with servicer US BANK NATIONAL and those payments need to be refunded to me IMMEDIATELY.

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 2024-03-06 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I first disputed the account regarding the balance of {$1700.00}. I advised not even the rent was that amount or close. The lease was broken due to unlivable conditions, which Oklahoma law permits without penalty can be done. I supplied a video link of the living conditions in question. Other fees assessed are incorrect as the property has not supplied any evidence to support the additional cleaning or fees from cleaning the property after it was vacant. I request for deletion of the Collection account from XXXX with the balance of {$1700.00} from my credit report. No deletion occurred. I submitted a second request with the following comments : Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2, This company has no permission to report anything using my info pursuant to 15 USC 1681 4. Again, the account was not deleted.

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 2024-03-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX never gave XXXX, EXPERIAN, or XXXX, any written consent to report anything on my consumer report. I sent a dispute letter to the agency over 2 months ago regarding account XXXX and they have failed to verify this account. The collection agency that is claiming that I owe an alleged debt to their agency is reporting a different balance from what I had with the original creditor XXXX XXXXXXXX XXXX. I have attached my last statement from XXXXXXXX XXXX XXXX to show the discrepancy. I will also attach my XXXX data breach claim id. I am requesting that the following unverified account is removed from my credit report within 10 days : XXXX XXXX XXXX ( Original Creditor : 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 2024-03-06 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: NY

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-06 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: NY

Complaint narrative:
I implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX I opened a new checking account with Citibank and transferred XXXX to this account from my XXXXXXXX XXXX  checking account through electronic transfer. I opened this account, so I could receive {$200.00} sign in bonus. On XX/XX/XXXX I transferred XXXX USD additional funds to the same Citi bank account electronically from XXXX. After that I tried to access this newly open Citi bank account but was not able to. I went to Citibank local branch and they told me that my newly opened account was closed because I violated Citibank policy and now my account is being reviewed by Citibank fraud department. 
I contacted Citibank multiple times asking to return my XXXX dollars since I need that for living expenses. They kept telling me that the bank policy is to hold the money for 90 days. I called Citibank ( XXXX ) on XX/XX/XXXX and talked to XXXX. XXXX said that she needed to contact XXXX to confirm that the money did indeed come from XXXX. She did confirm that. Today, XX/XX/XXXX, I called Citibank ( XXXX ) again and talked to XXXX. XXXX told me that the check has not been issued yet. 
It has been almost 4 months since Citibank closed my account and I still holding my funds hostage.

Could you please help with this matter. 

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 monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
I have these 2 authorizer user accounts on my credit report that is not mines and i want it completely removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
IVE DISPUTED THE INCORRECT REPORTING OF A DEBT THAT'S NOT MINE ON MY REPORT THEY STATED IT WAS VERIFIED. tHE COMPANY IS IMPACT XXXX XXXX on XX/XX/XXXX i called i to speak to them and i asked them how do they verify a debt and they stated they cant verify anything not even a original contract which i asked for from the debt validation letter and they stated they purchased the debt but dont have any access to any contracts or any proof to verify they debt they are collecting because they purchased the debt. 
so i called XXXX  XX/XX/XXXX and i asked them how do they verify a debt when reinvestigated and they stated also i have this on recording as well that they just send a letter to the debt collector and ask them for my birthday and name. so i stated so for the record yall dont investigate anything on your own not even to see a contract or proof before you report it and he stated correct we dont do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
i recently checked my credit report and saw accounts reporting that i do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i recently checked my credit report and saw accounts reporting that i do not recognize

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 3 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report : 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 2024-03-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX Account # : 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-06 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: FL

Complaint narrative:
dear sirs, my credit file reflects 2 accounts that are closed, which are fraudulent accounts, not authorized by me, or applied for! 
XXXX XXXX-ACCOUNT NOT MINE, PLS DELETE FROM FILE XXXX XXXX- ACCOUNT NOT MINE, PLS DELETE FROM FILE I HAVE PROVIDED THE FTC ID THEFT REPORT, POLICE REPORT, ID THEFT AFFIDAVIT NOTARIZED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: National Default Servicing Corporation
State: CA

Complaint narrative:
This is the XXXX time I am filing the same complaint in the hope that NDSC will be truthful for a change and provide a proper response to my complaint under penalty of perjury as requested so we can close this complaint out.

NDSC claims to be foreclosing on behalf of XXXX XXXX However, based on the evidence presented by XXXX XXXX, and information available from SEC, the note was securitized. XXXX sold the note and it was securitized within days after the closing occurred on XX/XX/2005. Once XXXX sold the note, XXXX can no longer be the holder in due course and therefore, have no right to foreclose. Furthermore, there is no assignment of deed of trust to the new buyer recorded after the sale occurred. According to the law, this has to be done within 120 days after which it becomes an unsecured debt and it can not be re-attached to the Deed of Trust on record. Therefore, NO BODY can any longer foreclose on that Deed of Trust. Period! Hence, the claim by NDSC that they are foreclosing on behalf of XXXX is an impossibility and false and they have no standing whatsoever. A rebuttal is demanded from NDSC in order to continue with the foreclosure action. Here are the details of the Security. [ XXXX XXXX Mortgage Pass Through Certificates Series XXXX Portal - XXXX  Investor Online Portal Closing Date XX/XX/200XXXX XXXX - XXXX XXXX - XXXX Seller XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX Delaware corporation XXXX XXXX XXXX XXXX XXXX ] . Numerous requests have been made to NDSC ( Trustee ), XXXX ( Seller of the note ) and XXXX  XXXX ( Servicer ) to produce evidence under penalty of perjury that proves XXXX XXXX. is in fact the current holder in due course of the note and therefore, XXXX has the right to foreclose under the Deed of Trust securing the note. If this is the truth, then NDSC should not have problem providing a response under penalty of perjury. Failure do to so confirms my statement is true and NDSC they have no standing to conduct any foreclosure and by doing so they are acting illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MN

Complaint narrative:
This is a XXXX Bill in which it has been paid I have had this removed XXXX times already and once removed the company sales to a new collection agency a they put it back on my credit report! Its already been removed from XXXX XXXXXXXX, and XXXX other companies I would love for this to stop also its showing as a new account opened in XXXX of XXXX which is a lie!!!!

Company response to consumer: Closed with explanation