vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I tried to plead with Wellsfargo to take off the late payment they posted on my credit report for XXXX and XX/XX/2020. 
During the pandemic, sometimes in XXXX, wellsfargo called me and asked if I wanted to suspend my mortgage payment, but I opted to keep on paying since I was still working. Sometimes around XXXX, I had my employees quit when they got their stimulus check. I was forced to work open to close, and I couldnt make a trip to the bank. My sister was helping me make a partial payment of {$670.00} every month, and I was supposed to pay the remaining bal. I tried to make payment online, but I realized that their system wouldnt let me make a partial payment online. I tried calling them few times to make payments, but I was kept on hold for up to 2 hrs sometimes just for the phone hang up. I got a hold of a lady once and the time we get they with the payment process, the phone hung up. I checked my acct a couple of days later, and my money was still in the acct. 
with all these difficulties going on, I decided to wait til I get thru hiring my staff, then make a payment of the due balance. At that time, I knew wellsfargo was not reporting late payments. 
I finally got my business in order, hired my staff, went to the bank, and paid the full amount I owed Wellsfargo to make my acct current. 
Not too long ago, while I was trying to get a car, I was surprised to hear that they will not finance me because I was recently late on 2 payments on my mortgage. 
I called wellsfargo several times to make them erase these late payments off my report so I can get me a car, but they refuse to do so. 
Im working on my credit righ now, and this my 12th month making all payments on time. And these 2 late payments are messing it all up for me. I need Wellsfargo to remove them off my credit because they are part of the reason payments were not made on time. Thank you for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: NY

Complaint narrative:
I am a victim of identity theft

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 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo bank stating that the amount in the checks was posted twice but physically that amount was posted only once, so they took my money from my debit account, locked my ability to buy a food and or pay for my bills during Covid-19 pandemic. Leaving me without any options to survive.

Stating that check 's was posted twice, but here as evidence I'm attaching a statements where we all can see that this amount wasn't posted but was credited.

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I opened a dispute with Equifax regarding an account with XXXX 's first opened in XXXX of XXXX. The account showed a late payment of 60 days or more. In addition, a dispute was also opened with XXXX  regarding the same account. XXXX  resolved the error as of XX/XX/XXXX. I had contacted XXXX 's in XXXX of XXXX and they confirmed I have never had a late payment. XXXX 's provided me with a payment ledger proving this fact. In addition, I also have the original PAID OFF confirmation email from XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$30000.00}, {$11000.00}, {$680.00}, {$13000.00}, {$6200.00}, {$5500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.

-- AUTO ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

5. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- OTHER ACCOUNT 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my 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 2020-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
A letter, Certified Mail No. XXXX, has been sent to your office and addressed to CFPB Director, Kathy Kraninger. The letter was delivered at XXXX XXXX  on XX/XX/2020. The company at fault is AMERICAN CREDIT ACCEPTANCE, and all other pertinent information is within the letter. AMERICAN CREDIT ACCEPTANCE needs to acknowledge the loan has been paid in full and release the title to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT YOU PLEASE REVIEW AND REMOVE THE ACCOUNT AND INQUIRIES OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-27 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 REVIEWED MY CREDIT FILE AND FOUND AN INACCURATE ACCOUNT AND ITEMS IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT. THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF THEM. I AM ASKING THAT YOU PLEASE REVIEW AND REMOVE THE ACCOUNT AND INQUIRIES OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My application was denied for having to many open lines of credit with Capital One. I told the rep that I had multiple credit cards with Capital One before submitting the application and she went ahead and ran it which resulted in a hard pull on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
Please review attached documents. EOS CCA has contacted me after given a cease and desist, never rebutted the affidavit of truth line by line, never paid specified remedy, still stated that I owe a debt. They're in violation of 15 usc 1681 & 15 usc 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: SC

Complaint narrative:
I am responding to complaint number XXXX and number XXXX. This is my 3 time submitting this complaint. i am uploading the information once again. my full name Social Security number Complete addresses for the past two years Date of birth One copy of a government issued identification card, such as a drivers license, state ID card, etc. One copy of a utility bill, bank or insurance statement,.

I have requested to see Verified record of Experian and Transunion files. 609 ( a ) states information ON FILE ; sources ; report recipients. Every consumer reporting agency shall, upon request to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. This information should be in the credit bureaus files when they put this information on your credit report. I was instructed to contact the creditors for, all documents. Therefore they are reporting unverified accounts. Because this information should be stored in the credit bureaus file and in their computer database on every consumer.

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 2020-10-27 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: NJ

Complaint narrative:
Equifax is reporting 6 fraudulent accounts on my credit report 1st one reporting from XX/XX/XXXX is XXXX XXXX  2nd one reporting is XXXX  XXXX  XXXX  from XX/XX/XXXX 3rd one reporting is credit first from XX/XX/XXXX 4th one reporting is XXXX  XXXX  from XX/XX/XXXX also XXXX XXXX XXXX reporting a balance of {$12000.00} these have wrong payment historys and wrong address on them not my accounts no signed contracts for any of these accounts and a XXXX XXXX  account reporting a balance of {$8900.00} none of these accounts have my address in it or signed contract please remove or I will sue for Incorrect reporting as my rights are being violated I will sue as I have the right giving to me by the fcra Equifax will provide documentation showing me what proof they have to report these accounts also XXXX XXXX  loan sr reporting a balance of {$22000.00} please show me a signed contract between this merchant and I the proof you have to report this and other accounts also there 6 inquiries that are fraudulent XXXX XXXX  XXXX XXXX XXXX from XX/XX/XXXX also XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX also thd XXXX XX/XX/XXXX also XXXX XXXX from XX/XX/XXXX also XXXX XXXX XXXX from XX/XX/XXXX also XXXX XXXX from XX/XX/XXXX Equifax is required by proof to show me proof of the documents they have to report these accounts why they are reporting or remove these accounts if they cant verify it no e Oscar I demand a proper investigation and if these Erroneous items arent removed I will sue Equifax for incorrect reporting under the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$30000.00}, {$11000.00}, {$680.00}, {$13000.00}, {$6200.00}, {$5500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account. 

-- XXXX XXXX XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my 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 2020-10-27 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$30000.00}, {$11000.00}, {$680.00}, {$13000.00}, {$6200.00}, {$5500.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S
.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

XXXX. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account. 

-- XXXX XXXX XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 


-- XXXX ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: PA

Complaint narrative:
XXXX is reporting false information on my credit report called them and let know they refuse to deal with it is keeping me from getting a home because of the car on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX is reporting false information on my credit report called them and let know they refuse to deal with it is keeping me from getting a home because of the car on my credit report.

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 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX is reporting false information on my credit report called them and let know they refuse to deal with it is keeping me from getting a home because of the car on my credit report.

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 2020-10-27 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
UNAUTHORIZED INQUIRY ON MY CREDIT FILE FROM THE BELOW LISTED XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 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 explanation
Consumer complaint received 2020-10-27 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I am a victim of identity theft. I learned in XX/XX/2020 that my personal information was used to attempt to open an account at Ace Cash Express and therefore place a hard inquiry on my credit report. I first called in XX/XX/2020 where I was told they would take care of it in the next 7-10 business days. When I called back in XX/XX/2020, they said that whoever I talked to in XXXX was incorrect and that I needed to write them formally via USPS ( the only company of several that asked me to do this vs taking my directive over the phone after verifying my identity ). I sent them a formal letter along with an Identity Theft Report from the FTC on XX/XX/2020. Almost 6 weeks later, I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RECENTLY, I BELILEVED MY XXXX CARD HAD BEEN HACKED SO I PUT A FREEZE ON IT. I WAS TOLD I COULDN'T USE IT WHILE THE FREEZE WAS ON SO I APPLIED FOR AN ADDITIONAL CARD UNDER A SEPATE ACCOUNT. EXPERIAN DENIED THE APPLICATION STATING THAT I COULD NOT PAY MY MORTAGE IN THE AMOUNT OF {$3100.00} PER MONTH ON MY INCOME OF {$1600.00}. i ONLY PAY {$1000.00} PER MONTH WITH {$670.00} FOR MY OWN USE. MY DAUGHTERS PAY THE BULK OF THE MORTAGE AND FUNISH MY FOOD, ELECTRICITY, AND ALL OTHER HOUSEHOLD EXPENSES APPLICABLE. XXXX XXXX CREDIT HAS ME WITH A XXXX CREDIT SCORE.

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 2020-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me over 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.

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 2020-10-27 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
UNAUTHORIZED INQUIRY ON MY CREDIT FILE FROM THE BELOW LISTED XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 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 explanation