vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-18 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:
On XX/XX/2022 I received 4 emails from Wells Fargo Bank that they received an application for a checking account and that it was now open. 
I am currently a member of Wells Fargo Bank with a checking account and savings account. I did not request for a new account to be opened. 
I logged onto Wells Fargo and noted that there was in fact a new checking account. 
I called Wells Fargo and they closed the account. They did note that my Social Security Number and Drivers License Number were used to create the account. 
I opened an XXXX account to place a lock on my information to prevent any further requests. 
On XX/XX/2022 I called my local Social Security branch to see if my SSN had been used anywhere else and they confirmed no further activity. 
I am completing this if someone has my Social Security Number I would like it monitored to see if they attempt to use it for anything else.

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 2022-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I contacting CFPB because XXXX XXXX  XXXX has me listed as being late 30 days back in 2017 and that is not accurate. I have never been late with them. I reached out multiple times to have it resolved but it's still on my report. This is causing major issues as i'm trying to purchase a home. 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 non-monetary relief
Consumer complaint received 2022-03-18 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: NY

Complaint narrative:
Hello, I contacting CFPB because XXXX XXXX  XXXX has me listed as being late 30 days back in 2017 and that is not accurate. I have never been late with them. I reached out multiple times to have it resolved but it's still on my report. This is causing major issues as i'm trying to purchase a home. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: IN

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 2022-03-18 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: Colony Brands, Inc.
State: AL

Complaint narrative:
An account was compromised by a collection agency that came to serve papers to collect for an account that was sent to them by XXXX. The Collector asked me about my personal information wrote it down and corrected it and added it to an account that was a family member with the same or similar name that also was present at the time. He decided not to serve the papers because of the mix-up of information. Years later, I noticed that the account was added to my credit file for non-payment. I have tried to dispute this with the company for years. They will not delete it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: VA

Complaint narrative:
Certified letter was sent and electronically confirmed received by XXXX on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX, requesting copies of documents on file proving the debt had been validated, for example signed and dated contracts, itemized billing statements copies, and anything else that was in my credit file. 

As of today, XX/XX/XXXX, I have not received the requested information. 

They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation. 
XXXX and Transunion proof of certified request received is also attached. 

Please note that as of today, XX/XX/XXXX, I have not received the requested information. I spoke to XXXX different people at Transunion, XXXX XXXX, XXXX XXXX, XXXX Special Handling Rep.and XXXX XXXX, Senior Supervisor. They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation as a 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 2022-03-18 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now

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 2022-03-18 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I found out 2 years ago when I received my annual credit report that I was a victim of identity theft. Someone from XXXX, Florida used my name and SSN to open a credit card Account from XXXX  XXXX which was subsequently transferred to Midland funding. I have attempted to resolve this issue with Midland Funding with no success. 
Midland Funding XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ACCT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following inquiries, accounts, and late payment. There was no consent nor did anyone give permissible purpose for the accounts and inquiries listed below pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/2018 American Honda Finance have an open loan in my name which I never apply for and never Finance any car with them. American Honda Finance has a balance amount of {$9400.00} account XXXX under my name which is Fraudulent. I have submitted FTC report and Police report to Creditor and XXXX already. I have submitted fraud affidavit to American Honda Finance and Creditor bureaus to report the Fraudulent account. I request that American Honda Finance provide me with the credit application and Identification that was provided at the Dealership where the vehicle was purchased. American Honda Finance refuse to provide that documentation. Instead they provide me with my Fraud affidavit that I have submitted to them to report the Fraudulent account. American Honda stole my information from the report fraud affidavit that I submitted so they can my my information with the credit bureaus so it can show a validation in the credit bureaus eyes and CFPB eyes that the account is valid. I NEVER NEVER OWN OR HAVE A HONDA VEHICLE. NEVER PURCHASED OR FINANCE ANY VEHICLE THROUGH HONDA FINANCE. I NEED AMERICAN HONDA FINANCE TO PROVIDE ME WITH ALL PAPERWORK I SIGNED OR ALL APPLICATION I SIGN AT THE DEALERSHIP THAT THE CAR WAS FINANCE FROM. I DONT NEED AMERICAN HONDA FINANCE TO SEND ME MY REPORT FRAUD AFFIDAVIT THAT I SUBMITTED TO THEM SO THAT I CAN REPORT THE FRAUD. I BELIEVE AMERICAN HONDA FINANCE REFUSE TO PROVIDE THE CREDIT APPLICATION THAT WAS SIGN DATE OF PURCHASE OR ALL APPLICATION THAT WAS XXXX THAT DAY BECAUSE THEY STOLE MY IDENTY AND MY INFORMATION TO MATCH IT WITH CREDIT BUREAUS. I AM ASKING CREDIT BUREAUS AND CFPB TO REVIEW THE CREDIT APPLICATION THAT WAS SUBMITTED AT TIME OF PURCHASE FROM THE DEALERSHIP THOROUGHLY WITH THE INFORMATION AMERICAN HONDA FINANCE WILL PROVIDE FROM THE DEALERSHIP NOT MY REPORT FRAUD AFFIDAVIT. IF NO APPLICATION FROM DEALERSHIP OR CREDIT APPLICATION FROM DEALERSHIP CAN'T BE PROVIDED. I AM ASKING FOR THIS ACCOUNT TO BE REMOVE OR DELETE FROM MY NAME DUE TO FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Received a Bank of America credit card in the mail for an amount {$6000.00}. I notified Bank of America I did not request this and they did close it. But when I asked to have removed from my credit report they refused. I did advise them that I have a Fraud alert and a credit Freeze on all 3 credit Bureau 's. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is saying I have not paid them for 22 months. I have bank statements to prove I have. I have charged them for my accounting services. Even though I have sent my bank statements, they still say I haven't paid. Since the last fax of bank statements, they are saying they can't read the statements. Other times they said they never received them. I want to sue them for this negligence. They are claiming I owe them 20k. This is 20k of money I gave them that they are stealing from me. They want me to sign a loan modification for another 30 years and add on about 20k.

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 2022-03-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The company is XXXX 's XXXX XXXX. The credit company is Comenity Bank. 
I set up an autopay for my account. When I contacted them they said that the information I put in the payment section was incorrect. I called my bank to verify that the info was correct. It was. So I went ahead, just in case, and re-entered the information. I paid the XXXX on the account. I contacted them via a message on their site to see if they would excuse the fee on XX/XX/22. I tried calling them, but I got cut off when I didn't click the right option because none of them applied to what I needed. On XX/XX/22 they sent me a response that the account was closed so they could not credit the fee of XXXX. I didn't see the message on their website until I received the statement in the mail that showed now my fees were XXXX. I went on their website and saw the message saying they could not give me the credit because the account was closed. I have no idea why they didn't email me or call me. They have both my email and phone number. I called to see if they could excuse the fees again. The response was that the account is closed so they can not credit the fees. My response to them was if the account is closed and you can not credit the fees how can you be charging the fees on the closed account. One can't work without the other. They would not credit the fees. It is not about the money, it is about the shady practice. I think they have done this on purpose to make money. Very troubling to take advantage of people. I also went to check their reviews, they are very low, so I don't think I am the only one who had had problems with them. Thank you, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-18 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: TX

Complaint narrative:
PLEASE SEE ATTACHED THESE ACCOUNTS : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX TO ENTER THE REQUIRED NOTICE OF DISPUTE INTO COMMENTS SECTION. 
DATE LAST ACTIVE DIFFERENT DATES AND YEARS AS WELL AS PROOF OF RE-AGING. 
CHARGE OFF ACTIVITY AFTER THE CLOSE DATE ( OR ( TRAN ) XXXX XXXX ( COLLECTION ) WITH BALANCE {$14000.00}. DATE LAST ACTIVE XX/XX/XXXX ( EXP ) DATE LAST ACTIVE XX/XX/XXXX ( TRAN ) XXXX  SHOWING DATE LAST ACTIVE XX/XX/XXXX ( XXXX  ) DATE LAST ACTIVE XX/XX/XXXX ONE BUREAU SHOWS YOU WERE PAID ON TIME BUT ANOTHER SHOWS YOU WERE 30 DAYS LATE THERE SHOULD NOT BE LATE PAYMENTS OR CHARGEOFFS ONCE THE ACCOUNT IS CLOSED. HOW DOES THAT MAKE SENSE?

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 2022-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Recovery Corporation
State: CA

Complaint narrative:
Universal recovery corporation placed an account in collections from XXXX XX/XX/XXXXunder my name for a vehicle that I sold and submitted release of liability through DMV from and did not legally own at the time of the accident and are therefore not responsible for any of the towing or storage fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 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: OneMain Finance Corporation
State: PA

Complaint narrative:
The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ONE MAIN XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX, consumer, original creditor, in fact did not consent to, authorize nor benefit from any of the following account. There was no consent nor did anyone give permissible purpose for the account listed pursuant to 15 USC 1681b ( a ) ( 2 ). I have been injured from identity theft from this fraudulent activity. Consumer reporting agencies have grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Fair Credit Reporting Act.

Company response to consumer: Closed with explanation