vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have had this debt for XXXX years and have paid it on time, every month. Due to the covid pandemic I lost my job and alittle bit of my way. In XXXX, I paid {$190.00} XXXX  days late, which incurred a late fee. Then in XXXX, I paid XXXX times by accident of a total of {$390.00}, incurred another late fee, but it was ON TIME and OVER the amount. XXXX, I paid XXXX again, {$390.00}, received another late fee was received. I finally called and the executive office said don't worry they would investigate it and get it resolved and send correspondence, received nothing. Still getting late fees every month. Where did my money go? Did they steal my money and charge me late fees??? If this isn't fraud I don't know what is? 

XXXX # XXXX Spoke with XXXX XXXX XXXX from the corporate office This bank should be shut down for fraud, negligence, robbery, these are a bunch of XXXX. SHUT THEM DOWN. I want my late fees waived and my money put to my account. They have {$780.00} of my money! It mean nothing to them as they steal more than that I am sure, but for someone who is unemployed, not getting unemployment, that is a matter of feeding my XXXX children!

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 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Was not notified properly about these erroneous accounts that have went into collections that appeared on my credit report. 

XXXX XXXX XXXX  XXXX - - XXXX XXXX XXXX XXXX - -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX  AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
AS OF TODAY, XX/XX/2021 WEBSITE SSL CERTIFICATE ( S ) FOR THE EQUIFAX WEBSITE ARE INVALID / EXPIRED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Can see Activity In My XXXX XXXX  That I Applied For The XXXX  XXXX XXXX  XXXX Credit Card. But I Did Not Applied for Any Card I only Have Two Cards with XXXX  XXXX XXXX  No Other Card. And It's a Hard Inquiry. May be someone use My Identity. Because I called XXXX XXXX XXXX  and they said they can not see any new account open. please Check what is going on. Because I am worried. My credit Score is very good right I do not loose my score because I am planning to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
There are XXXX Accounts on my credit report that do not belong to me I have been trying to understand why these are even on my credit report I have sent out disputes to the bureaus regarding this I need this taken care of right away since I am getting frustrated by dealing with other peoples mistakes and how people are getting my information baffles me. 

Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
Sometime on XX/XX/2020, when I pulled my credit report, I found out multiple inquiries on my credit report that I did not recognize. I found also some accounts that I did not recognize. I only started to work on my credit report a few months ago, some accounts that did not belong to me already came off my credit report, unfortunately, I am still dealing with some. I recently received a collection letter from IC SYSTEM trying to collect on an alleged debt that I do not recognize, the debt is not mine and I have no other reason but to believe that 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 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX XXXX called my son XXXX  XXXX based on information that he got social security. She illegally looked in our checking account to see our income status then she yelled it out in our neighborhood that we were poor & she made more money than I will ever have. Then she falsely accused me of harassing her & getting her co-workers involved in committing crimes against me & my son. Then she made the comment why don't I take my " XXXX XXXX son back in my home ''. So how am I harassing her when she called my son that hate slur based on financial information in my checking account & how he was receiving social security XXXX. She was the XXXX harassing men and my son & what authority did she have to tell me what to do anyways on my own property. XXXX doesn't want me to have a thing because I am a single female who earned my own home from work I was XXXX years old at the time this happens. So naturally, the police were siding with XXXX XXXX. XXXX convinced wells fargo I harassed her & had my new checking account closed on XX/XX/2015. Wells fargo knows I'm innocent but they want to side with her. I am the victim of XXXX & XXXX XXXX. I can sue them for defamation of my character because they refuse to settle. XXXX XXXX has ruined my life for no reason.

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 2021-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Complete Professional Recovery LLC
State: IL

Complaint narrative:
The company Complete Professinal Recovery accocount popped up on my credit report on XX/XX/XXXX and this company is trying to collect a debt that was from XX/XX/XXXX and that i included in bankrupty with the original creditor on XX/XX/XXXX. The company states that this account has been reporting on my credit report since XXXX but I spoke with an agent at transunion to verify and they said that they do not see this company anywhere on my credit profile from XXXX to current. Nor have I ever saw this company on my credit report ( I have old copies ) This account was also opened but not by myself. The Also the original creditor removed this credit account from my credit report in XXXX. And they are the ones who were included in the bankruptcy 5 years ago not this collection agency. and according to the and according to the XXXX siteThis collection agency also isnt licensed to collect in the state of illinois which requires a license

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 am writing to you regarding my credit report because I recently checked it and found accounts that are not mine. I do not understand how these items appeared in my credit report. However I filed identity theft report because I know that probably someone used my personal information or its error in reporting. Pease I ask you for some help! Could you please investigate the accounts in my profile and find out what exactly happened there. In case you find who did it please remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I reached out to Equifax, XXXX, and XXXX to dispute inaccurate items from my report. I also submitted a FTC report because on both accounts that are reporting there is fraud due to the Equifax Breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
There are 15 Accounts on my credit report that do not belong to me I have been trying to understand why these are even on my credit report I have sent out disputes to the bureaus regarding this I need this taken care of right away since I am getting frustrated by dealing with other peoples mistakes and how people are getting my information baffles me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2021-04-08 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:
There are 15 Accounts on my credit report that do not belong to me I have been trying to understand why these are even on my credit report I have sent out disputes to the bureaus regarding this I need this taken care of right away since I am getting frustrated by dealing with other peoples mistakes and how people are getting my information baffles me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a SBA loan as a self-employed individual ( XXXX XXXX ). SBA was aware of my status when the loan was approved and issued the funds. I received the funds in my personal Chase checking account and a couple of days later Chase froze my account, including funds previously held in that account and unrelated to the SBA loan.

I provided my 2019 income tax and Schedule C as proof to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
there are two dismissed bakruptcies on my credit reports with transunion XXXX  and XX/XX/XXXX that are not supposed to be on there and none of the companies will remove them also there are a bunch of fraudulent inquiries on my reports that i did not apply for

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 2021-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello this is XXXX XXXX i am a XXXX XXXX. i have sent out a 30 day 609 validation later and a 15 day vitrifaction letter for my client XXXX XXXX. i have sent out the 15 day letter out on XXXX XXXX and the 30 day letter out XX/XX/XXXX XXXX i haven't received any response back from the 3 credit bureaus XXXX , XXXX and Equifax or we haven't seen any changes on her credit report. it has been passed over 90 days now. they have field to provide her proof that the debt is hers. she contact them numerous of time and told them that there is incorrect information on her credit report. i reported to them to delete incorrect information such as, addresses, names, jobs, car loans and they have field to do that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
ACCOUNT WAS SENT OVER TO COLLECTION AGENCY ASTRA RECOVERY SERVICE ON XX/XX/XXXX BUT THE DEBT WAS PAID XX/XX/XXXX IN FULL. I WAS TOLD BACK IN XX/XX/XXXX THAT THE DEBT WOULD BE DELETED. I REACHED OUT IN IN XX/XX/XXXX TO BE TOLD TO SEND OVER A LETTER AND THEN 30 DAYS LETTER IT WOULD DELETED. I CALLED BACK XX/XX/XXXX AND NOTHING HAPPENED. THEN I TRIED AGAIN IN XX/XX/XXXX ONLY TO BE TOLD TO NO DISPUTE WITH THE CREDIT BUREAU TO SEND OVER ANOTHER LETTER. WE ARE IN XX/XX/XXXX AND THIS FILE HAS NOT BEEN DELETED. I AM TRYING TO PURCHASE A HOME AND THIS IS HOLDING ME BACK. PLEASE HLEP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: TN

Complaint narrative:
Over the course of 9 months, I have disputed my charged off XXXX XXXX accounts with XX/XX/XXXX, XX/XX/XXXX & Transunion. As always, they keep coming back " verified ''. Well I recently started, taking a deeper dive into my credit report and realized that XX/XX/XXXX, XX/XX/XXXX& Transunion never properly verified my information because they're reporting inconsistent information across all 3 credit bureaus. Example : They are currently reporting an inconsistent date of last activity, creditor type ; are just to name a few. Not too mention, when an account is charged off ; it can not have a past due balance ; which there's one showing on my XX/XX/XXXX, XX/XX/XXXX& Transunion credit report. According to the FCRA, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and I've requested they delete this off of my credit report immediately. I've sent certified letters on XX/XX/2021 and XX/XX/2021, with the appropriate documentation proving this is inaccurate & was not verified.

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 2021-04-08 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Over the course of 9 months, I have disputed my charged off XXXX XXXX accounts with XXXX, Equifax & XXXX. As always, they keep coming back " verified ''. Well I recently started, taking a deeper dive into my credit report and realized that XXXX, Equifax & XXXX  never properly verified my information because they're reporting inconsistent information across all 3 credit bureaus. Example : They are currently reporting an inconsistent date of last activity, creditor type ; are just to name a few. Not too mention, when an account is charged off ; it can not have a past due balance ; which there's one showing on my XXXX, Equifax & XXXX credit report. According to the FCRA, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and I've requested they delete this off of my credit report immediately. I've sent certified letters on XX/XX/2021 and XX/XX/2021, with the appropriate documentation proving this is inaccurate & was not verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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:
Hello, I am very stressed out because I figured out misleading information in my credit report. I do not understand the origins of this information and these accounts are nor recognized by me. I am victim of identity theft and I would like you to start the investigation process and to find out what happened exactly and why I have them. Thank you so much for your help and support. Also I kindly ask you to delete them from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: VA

Complaint narrative:
I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation