vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
At XXXX ET on XX/XX/21 I received an email from Wells Fargo titled Get started with your new Wells Fargo account. I then logged into my Wells Fargo app on my phone and noticed I now had 2 checking accounts, the newest account I never opened. I had a few errand to run and immediately when I returned home I called my local branch in XXXX, Pa at XXXX ET on XX/XX/21, I explained my problem to them and they filed a report and directed me to call the main line for Wells Fargo XXXX I called the main line at XXXX ET on XX/XX/21 and once again explained my problem, I was transferred through a few departments explaining my problem over and over, my problem was resolved my username and password for my original account was reset and the newly opened account was put on hold for investigation. I was told the process would take 2-10 days. I spent 57 minutes in the phone with the main office ending my call at XXXX ET on XX/XX/21. I then spoke with my mother at XXXX ET where she k formed me of fraud committed by Wells Fargo by opening accounts in customers names without their knowledge. I spent 16 minutes on the phone with my mother ending the call at XXXX ET. I immediately began researching this fraud incident against Wells Fargo and while doing so I found this agency. I decided I wanted to file a report just in case something similar was happening again. As I went to file this report I logged back into to my Wells Fargo app at roughly XXXX ET on XX/XX/21 and noticed that the newly opened account was already, to my surprise, gone. After being told this would take 2-10 days to resolve I became even more suspicious that it was gone within roughly 30 minutes of my phone call with Wells Fargo. I am not sure as to what happened here but what I do know is I NEVER opened a 2nd checking account in my name nor do I have a need for another account and that with a 2-10 day timeline the newly opened account was gone in roughly 30 minutes. Suspicious or not I felt I definitely needed to report the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 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: MoneyLion Inc.
State: LA

Complaint narrative:
The following information is outdated. I would like it removed from my credit history report Immediate delete this inaccurate account from my credit report a collection account is late by default therefore it can not report a late payment.

Immediate delete this inaccurate account from my credit report XXXX is reporting the date of last activity as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. It is a violation to re-age a collection account. 
Immediate delete this inaccurate account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: CA

Complaint narrative:
XX/XX/2021 To Whom It May Concern, Over 45 days agoI wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Please see my reasons for dispute below : 1. The following account is not mine U S DEPT OF ED/XXXX/XXXX This is not mine. 
2. The following account is not mine XXXX XXXX XXXX Please remove it from my credit report. 
3. The following account is not mine XXXX XXXX Please remove it from my credit report. 
4. The following account is not mine XXXXXXXX XXXX XXXXXXXX XXXX XXXX This is not mine. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely, 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 2021-08-09 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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX US SM BUS ADMIN ODA Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
I recently discovered that Fortiva XXXX is reporting a charged off credit card on my credit report. I never applied for a credit card with this company and never received any communications from this company. I was a victim of identify theft in XX/XX/2020, when I moved from XXXX XXXX to XXXX XXXX. Please remove all delinquent reporting and delete the trade line from all credit bureaus. I am in process of buying a home and this showed on my credit report and is impacting the process. Please remove ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX OF XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX creditor name is incomplete and I am not certain what the name of the creditor is? 
account numbers are truncated and they don't even match. 
date of first delinquency is incorrect. 
date of last activity is incorrect. 
payment history is reporting incorrectly. 

This account has numerous inaccuracies and I fail to understand how it has been verified as accurate? Did you investigate? What was the process that you used? Who did you talk to? Was everything Metro2 compliant? I don't think so!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Someone got my social security number and thus got my birth date and CA. license information. I am afraid they will try to get credit cards, loans, drain my checking account and other nefarious aacts. I need protection so as not to be held liable for any unauthorized use of my Social security number, CA. license number, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Your company is currently reporting a negative listing to the three major credit bureaus ( XXXX, and XXXX XXXX XXXX regarding an alleged account. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining the necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months.

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above-noted code requires your prompt response. Your prompt attention will be greatly appreciated. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed XXXX XXXX XXXX to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: NV

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation