vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2024-07-29 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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC XXXX regarding the account that do not belong to me. 

Account name : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XX/XX/year> the webpage of bank application shows a delinquent account name when application form shows open credit account name. The delinquent account name is an error of open credit account name. The unauthorized man causing error is a XXXX XXXX person association to family ownership of an inner voice that's XXXX  of customers free XXXX XXXXame of XXXX XXXX and clear in state star ; the XXXX XXXX person claims account name in error when account name belongs to a clear XXXX XXXX person with state identification. The companies XXXX XXXX person refuses to confirm customer 's clear XXXX XXXX identity when customer submits application to result in denial of account. Companies XXXX XXXX person refuses to comply with equal credit opportunity act for customer and issued customer a false alias of the XXXX to customers birth-given name the customer cites as an error. Customer 's given name is indivisible of XXXX flag and web page of application does not reflect that.

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 2024-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I bought a car on XX/XX/year> in full with cash. The day before on XX/XX/XXXX we tried to buy the vehicle from a dealership with finance through WestLake Financial but could not due to what I understood was a system issue on the part of Westlake therefore cancelled the finance option on the XXXX and paid in cash. Some time after I received mail from Westlake stating my monthly payment was due even though the deal had been done with me and the dealership. I contacted Westlake financial about the problem but no issue was provided and they are now threatening me with a Notice of Right to Cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-07-29 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: IL

Complaint narrative:
Kindly eliminate this erroneous entry from my credit report. I did not authorize or acknowledge this account. The supporting documents validating my claim are enclosed.

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 2024-07-29 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: FL

Complaint narrative:
I found frivolous items on my credit report that do not belong 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 non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
To give context, usually if I schedule a payment on my account as long as the funds are in the account by XXXX the next morning the transaction is covered. Thus even includes XXXX, if funds are deposited by XXXX Saturday morning, the transaction ( XXXX ) are covered. 

Now, this XXXX XX/XX/XXXX. I made a payment of {$85.00} to a vendor. The funds were deposited into my account that XXXX XXXXXX/XX/XXXX morning prior to XXXX as I ha XXXX done in the past. However, this weekend was different. My {$85.00} transaction from XXXX XX/XX/XXXX did not post until XXXX XX/XX/XXXX. With that being said another transaction came through that XXXX morning XX/XX/XXXX and caused my payment from XXXX  XX/XX/XXXX to be returned because of insufficient funds. With that being said if the transactions had been processed in order as per usual, my payment from XXXX XX/XX/XXXX would not ha XXXX been returned unpaid. So I called the bank on Monday XX/XX/XXXX to see why the transactions weren't processed in the order they were received and why didn't my XXXX deposit ( that was made " BEFORE '' XXXX not paid as it usually is. And to also as what exactly does the XXXX grace period mean if I don't get XXXX to make a deposit. I was told by the representative that this is for customers that has overdraft protection on their account ( which I am not eligible ), and so I asked why would I get information that is not relevant to me and my account as to why my transaction was not paid and I did not get an answer to that question. With that being said there have been other times where I have made a payment on a XXXX and deposited the funds by XXXX morning and my transaction was paid, and so I then asked why does it vary from time to time, like why is it ify ; And, the guy on the phone could not explain that to me. I don't understand why they would for XXXX process transactions in the incorrect order. 
XXXX. Rejected the transaction and tell me a reason that doesn't apply to me XXXX. Allow a certain rule ( paying a transaction when a deposit is made before XXXX the next morning ) to apply, and then XXXX day decide that they're not. Like I am not understanding why sometime it ok and others it's not... a.rule is a rule. 
XXXX. Process transactions with the correct date. I had a payment on my account that was made on Saturday XX/XX/XXXX and is pending to post to my account on XX/XX/XXXX. This can cause issues as it already has with a previous transaction. 
So the problem is posting payments in the correct order, with the correct date and applying same rule " ALL '' the time! Which is what they're NOT doing.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND 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 non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FCI Lender Services Inc.
State: NV

Complaint narrative:
I am an elderly lady and was reaching out for help in XXXX, used a friend who was licensed loan XXXX and put a DSCR business loan on my personal residence and now they are trying to foreclose and take my house away. I did not know what was being done since I was trusted her with my financial situation. 

I was told I could make {$3000.00} per month payment but the statement was showing me as behind every month, when I called I was told I was okay and to keep making the payments I was making. Now XXXX years later I am being threaten with losing my home to pay the debt they wrongfully put me in. There is a name on the mortgage statement that is not mine and I don't even know who this XXXX XXXX is. 

I am elderly and have no family available to help me, I have lived in the XXXX since XXXX and don't want to lose my home I have lived in for XXXX year. since coming to the XXXX. 

please I need help to fight what was done to me. 

see attached statements and supporting documents, provided.

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 2024-07-29 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: LEXISNEXIS
State: GA

Complaint narrative:
This is NOTICE to XXXX to stop administering the XXXX XXXX XXXX XXXX and remove all data from your databases, and stop sharing and receiving non public information with non affiliated XXXX parties ... XXXX XXXX does not possess written consent or authorization from XXXX XXXX and is violating the PRIVACY ACT. and Copyright Laws. 

I am the only authorized representative and lawful Executor/Administrator/Representative to the NAME, which is an ASSUMED NAME, XXXX XXXX ( see attached ) XXXX XXXX does not possess any Signed Social Security Administration XXXX XXXX XXXX XXXX legal and lawful authority to use and share this non public information. 

See attached fee schedule in the case that XXXX XXXX wishes to further engage and do business with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened a Wells Fargo checking account on XX/XX/2024 with an account opening promotion code that promises to reward {$320.00} to my account should I meet the requirement of setting up a direct deposit and receive more than {$1000.00} direct deposit over 90 days upon account opening. I met the requirement but they didn't pay me the bonus because they say I don't have a Social Security Number. But the fact is that my banker did not tell me that I needed to put in my SSN to get the bonus. She even received an internal email about the abnormal status ( lack of XXXX ) back in XXXX but didn't tell me anything. It is not my fault that I didn't put in the XXXX. On XX/XX/2024 when I went back to the branch to ask my banker why I never received the bonus, and only until then they told me that I needed to submit the SSN to receive the bonus, which I did submit on the same day. After a few rounds of communication with their Escalation team, I was told that their promotion team can't pay me the bonus.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX and that card ended with the number XXXX, I paid that credit card off by settling with them on a lower amount and when I paid it off they sent me a letter stating that the account had been settled for less than the full balance. I paid off the amount I owed and settled on XXXX of XXXX. I received the first letter confirming that I had paid off the account in XX/XX/year> and the letter stated that I XXXX receive a final statement reflecting the settlement payments and that the amount had been forgiven. However, that letter showed a different account number ending in XXXX and it was now calling the mastercard " XXXX XXXX XXXX XXXX when it was a XXXX XXXX. I called them several times to ask them why they changed the number and the answer they gave me was that because the card had expired and it was changed to XXXX and that now they were going under XXXX  not XXXX, so they had apparently changed the name of the credit card company, but that it was the same account as the one ending in XXXX. I asked them to correct that and to send me that explanation in writing and they wouldn't do it. They sent a XXXX letter on XX/XX/year> with the same incorrect information. After that occurred, I began to receive collection notices and get harassed by XXXX XXXX XXXX and now I am getting harassed by a collection company called XXXX XXXX, XXXX. XXXX has caused my XXXX XXXX to be damaged due to them reporting false information and selling that account to XXXX and XXXX selling it to XXXX XXXX. I have already spoken to XXXX and Firstsource and XXXX continues to harass me and report late payments on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I had a credit card with XXXX XXXX XXXX XXXX and that card ended with the number XXXX, I paid that credit card off by settling with them on a lower amount and when I paid it off they sent me a letter stating that the account had been settled for less than the full balance. I paid off the amount I owed and settled on XXXX of XXXX. I received the first letter confirming that I had paid off the account in XX/XX/2023 and the letter stated that I may receive a final statement reflecting the settlement payments and that the amount had been forgiven. However, that letter showed a different account number ending in XXXX and it was now calling the XXXX  " XXXX XXXX XXXX  '' when it was a XXXX XXXX. I called them several times to ask them why they changed the number and the answer they gave me was that because the card had expired and it was changed to XXXX and that now they were going under XXXX not XXXX, so they had apparently changed the name of the credit card company, but that it was the same account as the one ending in XXXX. I asked them to correct that and to send me that explanation in writing and they wouldn't do it. They sent a XXXX letter on XX/XX/2023 with the same incorrect information. After that occurred, I began to receive collection notices and get harassed by Midland Credit Management and now I am getting harassed by a collection company called XXXX XXXX, XXXX. XXXX has caused my XXXX XXXX to be damaged due to them reporting false information and selling that account to MCM and MCM selling it to XXXX XXXX. I have already spoken to MCM and XXXX  and XXXX continues to harass me and report late payments on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The account is currently reporting past due amount and missed recent payment. The account is up to date and paid up XXXX in XXXX. Prior I was unable to access the account and creditor never replied for access.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The account is currently reporting past due amount and missed recent payment. The account is up to date and paid up XXXX in XXXX. Prior I was unable to access the account and creditor never replied for access.

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 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit Acceptance keeps calling my number asking for a person named XXXX. I repeatedly told them, That I am not who they are looking for and that they have the wrong number and to stop calling me. 
I do not owe any debt to anyone for anything. 
They keep asking for my social security number and I'm not giving anyone my personal information. Also I advised the person to stop asking for it. I gave them my name and questioned them if I am the person they are looking for does my name sound like " XXXX ''? No reply. They left voice messages asking for same information. This is now harrassment!! As well as abuse to my cell service minutes that I pay for through XXXX. My Number is registered to my legal name : XXXX XXXXGet them to stop Please.

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 2024-07-29 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXX # XXXX, XXXX  XXXX # XXXX. XXXX  # XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TN

Complaint narrative:
I have been trying to get my money from Cash App since XX/XX/year>. I had just gotten a prepaid phone and a new email like that month, gotten money transferred from a friend to my phone, then lost the phone. Because I do not remember the number or the email, Cash App has never helped me to retrieve my money, however they clearly know who I am as they are sending snail mail to me about the balance being transferred to the state recently, which reminded me to try again. I feel I have been robbed for the last 4 years and this should not be allowed any more than a bank should be able to say, well you forgot your account number so we will just not give you access and keep your money. Dealing with their customer service is like XXXX XXXX : I have been hung up on, accused of being rude when I wasn't and continually told that my problem was resolved although it was not resolved whatsoever because they are still holding on to my money. I guess eventually I will get the funds from the state but what a hassle!!! Pretty sure they do this on purpose as a way to keep money from people.

Company response to consumer: Closed with explanation