vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: CA

Complaint narrative:
I am the victim of Identity Theft and have my Identity Theft report attached along with this complaint. I have attempted to reach out to the companies who initiated the fraudulent accounts and the credit reporting agencies but nothing has been rectified as of now. 

In XX/XX/XXXXXXXX  my wallet was stolen while at a XXXX in XXXX, California which contained my social security card, my driver 's license, and bank card. I was also notified that my personal information was compromised in data breaches by Equifax, XXXX, and XXXX. In XXXX of XXXX  I checked my actual credit report for the first time since that situation occurred and found fraudulent accounts listed that I did not authorize including inquiries for credit products that I did not authorize. 

Those items are listed below : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: CA

Complaint narrative:
Im writing this to inform you that I have been a victim of indentity theft and I have no clue of who opened up all these accounts in my name and I want to have all these accounts that dont belong to me removed, and also this is hurting my credit score I cant even apply for credit due to these false accounts and wrong information these need to be removed or I will proceed in legal action because I didnt open none of these accounts!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries need to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: CA

Complaint narrative:
Im writing this to inform you that I have been a victim of indentity theft and I have no clue of who opened up all these accounts in my name and I want to have all these accounts that dont belong to me removed, and also this is hurting my credit score I cant even apply for credit due to these false accounts and wrong information these need to be removed or I will proceed in legal action because I didnt open none of these accounts!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts and inquiries need to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: AMERIS BANCORP
State: GA

Complaint narrative:
XXXX transmission on XXXX XX/XX/XXXX XXXX was withdrawn from my account for installing a engine in my XXXX XXXX and on XX/XX/XXXX XXXX XXXX was withdrawn from my account for the same reason. and on XX/XX/XXXX XXXX another XXXX was withdrawn from my account for the same reason. after i pick up my truck on XX/XX/XXXX the invoice bill was only XXXX so the with drawal exceeded the total amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received unsolicited debit card from CapitalOne. Also received e-mail from CapitalOne to tie debit card to a checking account. I do not do any business with CapitalOne nor do I plan to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: AZ

Complaint narrative:
I received a {$1700.00} loan against my car. I told the rep I only get {$200.00} in child support and am NOT working! He said that he would make sure the payment was {$100.00} a month or less! I was told to electronically sign the screen, which I did, and that he would get my rate! He said he did but refused to give me any paperwork! He said it's all done electronically and that I could view it online. I've called over and over and still don't have access. I'm now being told my payment is over XXXX a month,!!! This has to be illegal!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
Experian is reporting false and fraudulent addresses to my credit report XXXX XXXX XXXX XXXX XXXX North Carolina XXXX It also reports as a single family residence that Ive never resided at The zip code does not match the address and location of this fraudulent activity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have been in dispute for a very very long time. Wells Fargo is refusing to provide me with a simple report showing : 1. The date they received my payment.

2. The amount of that payment they received. 

They are trying to pass off a report that shows a " Transaction Date '' as a " Date they received my payment date ''. When I pointed out I wanted a " Date they received my payment date '' they said a " Transaction Date '' and a " Date they received my payment date '' was the same date. Then they finally agreed they were not the same date. Then they said they do not have to provide me with a " Date they received my payment date ''. His name is XXXX XXXX and his phone number is XXXX. When he refused to provide me with this information, I requested to speak with his superior, XXXX XXXX. He refused to allow me. Every time I call Wells Fargo, they send me to XXXX XXXX and then he tells me I can not speak with his superior. When I call the Executive Office, I explain to them that I do not was to speak with XXXX XXXX, they put me on hold and send me to him anyway. This has gone on all day today .... at least 30 calls. THen I requested XXXX XXXX to call me and XXXX stated she would call at XXXX XXXX  today and now it is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: CA

Complaint narrative:
Im writing this to inform you that I have been a victim of indentity theft and I have no clue of who opened up all these accounts in my name and I want to have all these accounts that dont belong to me removed, and also this is hurting my credit score I cant even apply for credit due to these false accounts and wrong information these need to be removed or I will proceed in legal action because I didnt open none of these accounts!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX These accounts and inquiries need to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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 already submitted a ftc report as well as an identity theft affidavit, but somehow unauthorized inquiries are still reporting on my credit report. Please see the attached affidavit stating that my identity was compromised, and I do not have any idea who these creditors are they are reporting these unauthorized inquiries. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NV

Complaint narrative:
I had paid debt collection XXXX on XX/XX/2023 amount {$110.00}. XXXX sold info to collection agency Jefferson Capital System XXXX XXXX XXXX. XXXX XXXX, mn XXXX. Contacted Jefferson several times number XXXX that needed letter sent me debt collection and that already paid debt XXXX Jefferson agency stated that never received payment XXXX XX/XX/2023. Due have reference from XXXX XXXX # XXXX. Also requested debt letter company stating payment owed never received one. Due that collection already paid XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was offered to purchase a machine used as a demonstrator at an attractive price, but the company wanted me to use XXXX, where I did not have an account. I started setting up the account, but before my identity was verified as required by XXXX laundering laws and XXXX XXXX, the machine had been sold to someone else. In compliance with its policy, XXXX cancelled the transaction, including any fee it may have obtained, since it had not met XXXX 's policy. My XXXX  account has since been completely closed. Capital One apparently sent money to XXXX, but, since the transaction was cancelled, reversed the charge to my credit card. Later, Capital One recharged my card even though the legal requirements to set up the XXXX account were never completed ( i.e. it was started, but not verified ), XXXX cancelled the transaction, the machine was never sent to me, and I no longer have an account with XXXX. I do not know what XXXX will do with money sent for a cancelled transaction to a closed account, but they should refuse it ; I also do not know what Capital One will do with money they send in violation of XXXX/anti-money trafficking laws and the policy of the recipient, but suspect if they so blatantly violate the law, they will steal the money. Due to a medical event, I have cognitive difficulty and Capital One has ignored my request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Remove it from my credit report. TransUnion and this creditor are both in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX and the attorney general as well. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX can not supply this information and proceed to just continue reporting this fraudulent account ; directly violating my rights as a consumer that I am entitled to per the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 611 of FCRA, credit bureaus have a responsibility to delete any information from credit reports which is inaccurate or incomplete. This is important to note, as even if an account has only been speculated upon or never confirmed in any way, the burden falls on the credit bureau to provide evidence of its veracity before it can be placed on a credit report. If the information in a credit report is wrong, it was never proven to be factual, and the consumer has the right to take legal action against the credit bureau. XXXX is reporting inaccurate information on my credit. It is a fraud account. I have sent over my identity theft report and a copy of my police report over to them and each credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I went into a branch office to catch up on my mortgage payments for the end of the year. I am over XXXX and my benefits come at the end of the month. At the mortgage branch, the teller informed me that they have to convert mortgage payments into cash before submitting a mortgage payment.The attempted payment did not go through because the account reportedly had been moved to foreclosure status. Then the teller informed me that since the payment was not accepted, my money had to be refunded in cash. The amount was {$5000.00}. I asked to speak with a manager due to the large amount of cash and was told that the payment could not be returned to my debit card and the transaction could not be cancelled. It was XXXX XXXXXXXX XXXX  XXXX! I was told I had to now contact the mortgage department to get a reinstatment quote, which I did after depositing the refunded cash back into my account. The following week, I wired the reinstatement amount of {$6100.00} to the mortgage company from my bank on XX/XX/XXXX. 

My complaint is that the mortgage company reported the debit as a cash advance and there was no report for the cash refund to balance out what happened that day. Everyone I contacted kept telling me that if I got the money back in cash and there should be no problem. However, no one has acknowledged that the cash money was mine in the first place and the payment was never processed at the branch. The debited transaction for the cash advance was refunded to me in cash on the spot and I received two receipts. When the debit showed up on my statement for the month, my bank would not acknowledge outside receipts that they said they could not verify.They conducted their own investigation only to determine the debit amount was valid at the time and that I did give permission for my card to be used for the payment. The mortgage company has repeatedly denied that any error was made and they contend that their teller account at the branch balanced out. I could not get anyone at the mortgage company to consider that my debited account was refunded in cash due to a cancelled payment at the time and that the debit was still kept on my statment as money they " gave '' me. Since their policy is to do a cash advance for all mortage payments, they neglect to acknowledge that they still reported the payment to my bank and that my account was still charged {$5000.00} that was paid again in the wire transfer. The mortgage company denies that the tranaction was mishandled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the unauthorized credit inquiries on my TransUnion credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed immediately!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance, 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 2023-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/XXXX I received a letter from Bank of America stating that I was denied for a credit card. I have never nor would ever apply for any Bank of America Products. The inquiry hit my XXXX report which I have disputed as fraud and I have placed a fraud alert and froze my accounts with all there credit bureaus. I believe someone has used my information illegally as my personal information has been compromised by hacks to companies. The latest being XXXX  where every single personal detail was stolen online, SSN, email, passwords, addresses. I have disputed this inquiry and am making this fraud and identity theft report to help ensure the safety of my financial and physical existence.

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