vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Federal Trade Commission Consumer Response Center XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to bring to your attention a matter of grave concern regarding the fraudulent use of my personal information by a company named Fortiva. It has recently come to my attention that Fortiva utilized my sensitive personal data to open a credit card account without my consent, constituting an egregious act of fraud, abuse, and wastage of personal information. 
On XXXX, I discovered an unauthorized credit card account opened in my name, issued by Fortiva. Shockingly, I had no prior knowledge of, nor had I provided consent for, any such application. Upon further investigation, it became apparent that Fortiva had accessed and misused my personal information, including but not limited to my social security number, date of birth, and address, to initiate this unauthorized credit card account.

This act not only violates my privacy rights but also exposes me to potential financial liabilities and damages. I have taken immediate steps to report this incident to Fortiva and have requested the closure of the fraudulent account. However, I believe that stronger regulatory action is warranted to prevent such incidents from occurring in the future and to hold Fortiva accountable for its actions.

I urge the Federal Trade Commission to thoroughly investigate this matter and take appropriate enforcement actions against Fortiva for its deceptive and fraudulent practices. Additionally, I request that measures be implemented to safeguard consumers ' personal information and prevent its unauthorized use by unscrupulous entities like Fortiva.

Please find enclosed copies of relevant documents, including the unauthorized credit card statement and any correspondence with Fortiva. I am willing to provide any further information or assistance necessary to facilitate your investigation into this matter.

Thank you for your prompt attention to this serious issue. I trust that the Federal Trade Commission will take swift and decisive action to protect consumers ' rights and prevent future instances of fraud and abuse. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to express my dissatisfaction and frustration regarding the rapid removal of a charge-off account from my credit report, despite multiple attempts to resolve the matter.

I discovered an erroneous charge-off account listed on my credit report. Immediately upon noticing this discrepancy, I took the necessary steps to rectify the situation. I promptly contacted both the creditor and the credit reporting agencies to dispute the charge-off and provide evidence supporting my claim.

This hasty removal has had significant negative implications for my creditworthiness and financial standing. It is imperative that such matters are handled with the utmost care and thoroughness to ensure fair and accurate reporting.

I kindly request a thorough review of my case and a reinstatement of the charge-off account pending proper validation. With this, I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: AL

Complaint narrative:
I have been contacting XXXX about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within XXXX  days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on XXXX  years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. XXXX has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX. I also have sent in documents to XXXX, Equifax and XXXX. They also have a copy of my FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: AL

Complaint narrative:
I have been contacting XXXX about a loan that has appeared on my credit report. I have sent in documentation about this account not belonging to me. My account was hacked and information was breached which caused a loan to be opened in my name. I have filed an Identity Theft report and also sent it in the CEO and customer service several times. I was told that it would be removed off my credit report within XXXX  days and it is still there. I asked for all documentation from this company to see who obtained the loan. While analyzing the loan, there were no physical signatures on the application. There was a breach in the contract under the truth-in lending law which was also addressed. A fake drivers license was provided and an incorrect address was also provided from this company. I have mailed in certified receipts with signature returns requested. It is now going on XXXX  years and this same car is on my credit which has now gone into a repossession. This account has been illegally been reporting on my credit since XXXX. XXXX has intentionally ignored my requests and has not been in communication with me every since they told me that it would be off my credit in XXXX. I also have sent in documents to XXXX, XXXX and Experian. They also have a copy of my FTC 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 2024-03-20 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn. I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I received a copy of my consumer report and found the following account ( s ) to be inaccurate and incomplete : I demanded XXXX and Equifax as well as the student loan servicer to Update the duplicate account 's payment history to paid as agreed because of inaccurately reporting late payment on XXXX and Equifax consumer reporting agencies. XXXX does not have any late payments reporting on it yet the other XXXX companies experiencing Equifax are reporting late payments which we disputed with them several times. We also called in and spoke to Representatives who denied us the right to be able to remedy this negative inaccurate reporting so now we're making the complaint to remedy this violation of the Family Educational Rights and Privacy Act ( FERPA ) XXXX DEPT OF EDUCATION Account Number : XXXX Please correct/update this inaccurate information on my credit report to paid as agreed so these damaging marks do not hinder me from moving commercially as I work hard to maintain my student loans over the years and now this invasive practice by Mohela is damaging my name.

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I received a copy of my consumer report and found the following account ( s ) to be inaccurate and incomplete : I demanded Experian and XXXX as well as the student loan servicer to Update the duplicate account 's payment history to paid as agreed because of inaccurately reporting late payment on Experian and XXXX consumer reporting agencies. XXXX does not have any late payments reporting on it yet the other XXXX companies experiencing XXXX are reporting late payments which we disputed with them several times. We also called in and spoke to Representatives who denied us the right to be able to remedy this negative inaccurate reporting so now we're making the complaint to remedy this violation of the Family Educational Rights and Privacy Act ( FERPA ) XXXX DEPT OF EDUCATION Account Number : XXXX Please correct/update this inaccurate information on my credit report to paid as agreed so these damaging marks do not hinder me from moving commercially as I work hard to maintain my student loans over the years and now this invasive practice by XXXX is damaging my name. 
Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: NY

Complaint narrative:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-20 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: NY

Complaint narrative:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. 
XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Cornerstone Lending Group Inc.
State: CA

Complaint narrative:
We were trying to refinance our office building and were provided a letter of intent from our mortgage broker, She supplied multiple of these with different brokers and this was constantly changing. We had asked for an estimate multiple times from the mortgage company and was not provided one until final loan doc signing, This was the only document we had to work off of. Our funding was delayed for multiple internal bank issues and then we received the wire for our loan proceeds for {$34000.00} short of what we signed at loan doc signing because of an additional fee of {$33000.00} that was added. Were in the business and she said on our LOI this was the cost of the loan, now there's additional fees after closing without my approval The estimate I signed with Loan docs shows our proceeds to be {$320000.00} per the document I requested and remind you that this is the first estimate I have received after multiple requests I was then given a wire of the amount of XXXX, this was a difference of {$34000.00} with no notification or approval. After asking our Loan officer why I wasn't notified of this and that this is a classic bait and switch she had no response., I questioned why I wasnt informed that it wasn't on the estimate and where was this fee explained and broken out other than the only Estimate that I had seen with loan docs After the fact and funding the escrow and title company realized they didn't have consent of these changes prior to funding and asked us to now sign a corrected closing statement which I provided proof of this as well

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX, I notified Wells Fargo bank of large fraudulent transactions to my account ( Platinum Debit Card Account ). These charges were made to XXXX and included XXXX transactions of {$360.00} each. This notification was made within XXXX hours of these activities/charges on my account. The bank representative confirmed my identity, that this was my account and that the charges were not made by me but were fraudulent ( closed the account to other activities ).

The bank at that time had not released the funds ( money still was in my checking account ) and they should not have made payment to XXXX ( we do not understand why that this did not occur ). I was told instead that the bank would investigate the matter and get back to me.

After waiting a considerable time ( XXXX  days ) with no response, I
attempted to contact the bank. When I finally received a call back, I was told that since fraudulent charges were made to my account back in XXXX XXXX XXXX  ( a XXXX  charge to the account, un-noticed by me ), that my claim ( claim # XXXX ) was not done in a timely manner ; quoting Federal Regulation E .

Not knowing Federal Regulation E, I ( and my father ) contacted other banking officials and based on the information about this case ( information given to Wells Fargo and included in this letter ), they told us that this interpretation of this regulation was not correct. They and we found the actions of Wells Fargo negligent, if not fraudulent. The actions of Wells Fargo also are encouraging criminal activities ( a criminal can make a small fraudulent activity against an account and if un-noticed, allows them to make other fraudulent activities against the account XXXX months later with no consequences/actions by banking officials even if notified of this activity in a timely manner ). We are sure that this is not the intent of Federal Regulation E. 
It has been over XXXX months since this incident occurred, based on my first contact with the bank on XX/XX/XXXX, when these large fraudulent charges occurred. We have received notices every few weeks from Wells Fargo telling us that the matter was still under investigation, but based on the last communication, Wells Fargo is considering the case closed. We also find it very interesting that they are returning the original fraudulent XXXX charge to my account. 
Since Wells Fargo has closed the case, the only recourse we have is to contact government and banking officials.

If you need anything else from me, please do not hesitate to contact me.

I look forward to a quick resolution of this matter and my hopes are that others are not treated like this, by allowing criminals to take advantage of debit card holders through Wells Fargos interpretation of Regulation E.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These inquiries were not approved by me and I strongly suspect their legitimacy. I beseech you to conduct a meticulous investigation and promptly erase them from my credit dossier. I have provided relevant documentation for your perusal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
An account has incorrect information and they continue to report it, they indicate that they investigated, but the error has not been resolved.

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