vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
So I got notified that there is a closed account with Wells Fargo, that was opened in my name. I HAVE NEVER HAD WELLS FARGO EVER IN MY LIFE!!!! But yet they are trying to say I had an account, that is now closed, and has an outstanding balance? Ive reported to these people years ago that I didnt open this fraudulent account, but they refused to close it. I had all my information stolen from me twice in the past 5-7 years, which included my wallet, which had my SSN Card along with all my other stuff, while also my phone was apart of that as well.! Ive seen the numerous reviews of the same things happening to other people, but you never know for sure until its at your doorstep. They said the account ended in XXXX I guessand said over {$1200.00} was owed??? Like cmonjust know that this is in fact the course of action, my attorney has advised me to take, which is give them one final chance to rectify this situation, by deleting this fraudulent account and debt, by asking them on a public, government-run, forum so that the message is verified as being legit, and that if they dont comply, then litigation will commence, and that they will be sued to the fullest extent of the law allowed.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Please update my name to : XXXX XXXX XXXX My only and correct date of birth is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not deliverable to me by the U.S Post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, 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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX,2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX To whom it XXXX concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX only and correct date of birth is : XXXX XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my report, as they are not deliverable to me by the U.S Post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: NE

Complaint narrative:
Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I paid my loan off around XX/XX/23. I want a refund check mailed to me. I do not want some type of card that has to be opened by calling a XXXX number. this affects credit scores and opens me up to hacking and fraud. I just want my refund check mailed to me asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is to inform the CFPB. That for the past six months. I have been trying to renew credit with XXXXXXXX XXXX Unfortunately, there is a freeze on my consumer credit report. With a company by the name of XXXX XXXX which Is owned by Trans Union. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my TransUnion freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, TransUnion and XXXX XXXX, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between TransUnion and XXXX XXXX and XXXX is denying credit to the consumer. XXXX XXXX is demanding my personal information when I have mentioned that all my information is with Transunion since TransUnion is owned by XXXX XXXX it should not be hard to get my personal information. my understanding is that XXXX does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by XXXX when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX TransUnion and XXXX XXXX. due to the response, I received. XXXX  TransUnion. And XXXX XXXX. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of 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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
This is to inform the CFPB. That for the past six months. I have been trying to renew credit with XXXXXXXX XXXX. Unfortunately, there is a freeze on my consumer credit report. With a company by the name of factor Trust which Is owned by XXXX XXXX. On several occasions for the past six months, I've been trying to get their attention, on this freeze. my XXXX freeze is lifted But XXXX XXXX does not want to approve My application Because of that freeze. I have been communicating with, XXXX and factor Trust, to lift the freeze on my consumer credit report but They been giving me a hard time on freezing my personal information this is a strategy for consumers not to get approve Between XXXX and factor trust and XXXX is denying credit to the consumer. Factor trust is demanding my personal information when I have mentioned that all my information is with XXXX since XXXX is owned by factor trust it should not be hard to get my personal information. my understanding is that XXXX  does not want to approve me. All because of my credit history This is called discrimination. Which is a violation. I, the consumer and natural person, was denied credit by XXXX  when I applied for a credit card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by XXXX XXXX and Factor trust. due to the response, I received. XXXX XXXXXXXX. And factor trust. is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax credit report pulled on XXXX XXXX XXXX XXXX : *shows closed and delinquent as of XXXX this is incorrect *shows delinquency first REPORTED is XX/XX/XXXX instead of DATE OF FIRST DELINQUENCY .other two credit reporting agencies have date of FIRST DELINQUENCY XXXX which is correct * Can not even see a removal date so removal date is past tense as evidenced by another page in the same report as COLLECTIONS= YOU CURRENTLY HAVE NO COLLECTIONS! 
See three photos attached as proof All of this is extremely confusing, incorrect and doing me great harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: TN

Complaint narrative:
I have a Cashapp Card and I tried to use it to make several purchases and was denied so I called the company to see the reason why only to find out I was deactivated. I was not told I was deactivated and was not given a reason why. I would like to know what happed because I like and use my card daily. If you can find out why I would like to know and I also would like to know if I will be able to ever use the cashapp again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
BOTTOM LINE : Getting a credit report from Equifax is much too difficult and involves providing more and more personal information. 
SUMMARY : 1. Problem with requesting annual credit report from Equifax online. Each time it tells me it can not verify me and I must send written request along with copies of Social Security card and/or driver 's license. There should be a way to verify me online. 
2. The last time I got an Equifax report was in XXXX, and I had to send request through mail with copy of above documents. I received a paper report through the mail. 
3. Today, XX/XX/XXXX, I tried online but again it said it can't verify me ( I provided SSN, name/address, email, etc. ) and to call a number. When I called, the person asked all the same info plus they now wanted a mobile number in order to verify me. I gave them a cell phone number ( I rarely use a cell phone ; it is mostly for safety if my car breaks down so I can call XXXX. ) Equifax then texted me a link to a " Document Verification '' service where I was asked to take photo of my driver 's license and myself. I refused and ended the call. 
4. Equifax has proven they can not keep customer information safe yet they ask for more information than anyone else has ever asked me for. I am extremely uncomfortable giving this info and even if I do, I have no guarantee I can get my credit report. 
5. Equifax makes it far too difficult to get a paper credit report, let alone an online credit report. It reminds me ( in a small way ) of old time voting laws. 
6. I want Equifax to be reasonable in verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-16 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: NE

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2023-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
I called Affirm customer care 3 weeks ago regarding my account payments after experiencing weeks of email and phone call harassment where Affirm and it's hired local debt collector was threatening to report my payments history to the credit reporting agencies. I received constant phones calls and emails at all hours during my work hours, evening and sleep causing me additional emotional distress and mental anguish. I am XXXX  and a XXXX veteran and communicated financial hardship to Affirm as my vehicle just got totaled and I was waiting on my settlement check from the insurance. I was told by a rep that my all XXXX of my Affirm loans would be placed in deferment and I would be okay. On XX/XX/15 I logged onto my credit reports and saw that Affirm has reported me as 30 days delinquent on three loan accounts to the credit reporting agencies severely damaging my credit score and reputation by XXXX points. I am not unable to get a car loan to get another vehicle which is adding on to my growing emotional distress. I need a car to get to call my medical appointments. I called Affirm on XX/XX/15 and spoke to a supervisor named XXXX who stated the previous rep had misinformed me on their reporting and financial hardship policy and that Affirm 's aggressive debt collection tactics and threats to report me to credit reporting agencies were legal and " what has to happen. '' XXXX also stated Affirm was unable to remove the accounts from my consumer report even though it was Affirm that followed through on their threat and reported the accounts to the credit reporting agencies. XXXX refused to provide me with his Supervisor or a legal/ consumer compliance advocate contact information and stated there was nothing he could do beyond deterring XXXX affirm accounts versus the XXXX account deferral I was told I would have prior to being reported. Affirm 's abusive debt collection actions have caused several direct violations of the FDCPA and Affirm should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Hello, I am writing this complaint in regards to LVNV funding LLC. This complaint is in regards to fraudulent charges, and defamation of my character. I have two accounts that is currently tarnishing my reputation. One in the total amount of {$360.00} for XXXX  XXXX XXXX, and {$270.00} for XXXX  XXXX. This alleged debt has yet to be validated. Please keep in mind the difference between validate and verify. I received a copy of statements in attempt to validate debt. As defined a statement is an alleged debt, and statements along with a contract is also defined as hearsay. I already have two reports of this account tarnishing my consumer report. 

LVNV has also obtained my information illegally, which is an infringement upon a consumers privacy. According to 15 USC 1692c ( b ) 3rd parties do not have consent to communicate with consumer. There is also no law that states consumer owes debt. So called debts are obligations of the corporation that is the United States. This is stated in 15 USC 1601. Also Keep in mind I did not receive any IRS form 1099-c cancellation of debt/ reporting collections/ late payments/ charge offs. Which is also Tax fraud from LVNV. Transactions reporting as late/ collection/ charge-off/ and any other derogatory information is also a violation. I demand that both accounts deleted from my consumer reports effective immediately. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: NE

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: DC

Complaint narrative:
my account at geminiXXXX  was hacked and i lost all of my XXXX was stolen https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: NE

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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