vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 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: GA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, TransUnion, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : XXXX XXXX-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and TransUnion and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking TransUnion to court and will be filing a lawsuit.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited over $ XXXX in my business checking account. This is used for cash flow and operating. The bank put a XXXX day hold on XXXX separate deposits without telling me at time of deposit. When I found out I asked them to return the deposit so I could go direct to the other bank and get funds. They refused to give back my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: UT

Complaint narrative:
On XX/XX/2022, my son let me know that he had not paid his mortgage since XXXX. Both myself and my husband are cosigners on the loan. On XX/XX/XXXX, I paid all outstanding payments and he is now on track. UWM did not notify me or my husband in any way to let me know that there was a 30 day late or anything. There have been no emails, no letters and no phone calls. 

On XX/XX/XXXX, we looked at our credit and it is a mess. After talking to a lender, they said to call the mortgage company. On XX/XX/XXXX, I called and talked to someone who said they don't contact cosigners because they don't have their information. I have another mortgage with them and get XXXX from them in email all the time. And on the original loan documents they have my address as " borrower General Contact Information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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:
XXXX XXXX. I received a notification that there was a hard inquiry from XXXX XXXX on my credit report. I do not have an account or never attempted to open an account there. I have reported a similar issue with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, received a direct mail offer to open an account, make a direct deposit to checking account and XXXX for 90 days into a savings account to receive a {$600.00} bonus. Upon attempting to open the account online on XX/XX/2022, the appropriate application did not generate despite submitting the one-time promo code applicable to the {$600.00} bonus. I tried to have the application page display properly by trying multiple browsers. Future attempts to open the account using the promo code yielded an error message saying it had already been redeemed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2022 I applied for a credit card with XXXX XXXX and was informed that i was denied a credit card ( with XXXX ) because my credit score was bad- and that i had delinquent payments on credit cards. I knew that this was not the case because i am very diligent of my finances, and have more than enough cash at hand. 

Upon arriving back from my vacation on XX/XX/XXXX, I looked into my credit report with XXXX XXXX ( my bank ) and realized that i was a victim of Identity Fraud with 2 fraudulent activities. 

1. TD BANK credit card opened under my name in XX/XX/2022 XXXX. Line of Credit with XXXX XXXX which i never requested to have. 

I am currently in the process of rectifying all these false charges and contacting the 3 credit agencies to figure out how to rectify these matters. As i have never had to go through identity theft before. Please Help me rectify these false charges and fix my credit score. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/XXXX received billing statement with unauthorized transactions made in California using my Macys credit card. I live in NJ, and have not travelled to California. 
Same day XX/XX/XXXX I called Macys customer service and reported a stolen card and fraudulent transactions. Was told that fraud department will be contacting me in 10-14 business days. 
XX/XX/XXXX received a letter in the mail confirming that fraud claim was received and an investigation will be performed. 
XX/XX/XXXX I received a letter in the mail stated that Macys fraud department has completed the investigation, and determined that I am responsible for the charges. 
XX/XX/XXXX I called Macys customer service and was transferred to the another Department at ( XXXX ) XXXX, then to XXXX. I again reported the identity theft, put the transactions on dispute asking to review and reconsider. Ref # XXXX. 
I went to the police and made a report for the stolen identity. Incident # XXXX. 
Put a freeze on the credit cards. 
XX/XX/XXXX received a letter in the mail stating that investigation is complete and I am responsible for the charges.

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 2022-12-20 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, XXXX, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : Credit Acceptance-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and XXXX and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking XXXX to court and will be filing a lawsuit.

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 2022-12-20 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: CL Holdings LLC
State: GA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, XXXX, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : XXXX XXXX-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), Jefferson XXXX XXXX XXXXXXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and XXXX and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking XXXX to court and will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/2022 ( XXXX XXXX mail # XXXX ) I sent my first dispute to the creditor. They had 10 days to reply to notice and failed to do so. Failure to provide the aforementioned documentation within 10 days from above date to validate debt constitutes the debt did not exist in the first place. 


The address listed on my credit report is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
They have the incorrect address listed on my credit reports making it difficult to handle this debt which does not belong to me. I have wasted money sending disputes to the address they have listed. 

I followed up with a XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ( Tracking Certified mail # XXXX ) their failure to provide proof of claim by XXXX XXXX XXXX XXXX 

All letters have been sent certified mail and return sender. The company has failed to comply and have ignored me. 

I have requested the company to show : 1. Validation of debt over XXXX months ago. This accounts needs to be removed from my credit report. 

2. Verification of their claim against me ( A sworn affidavit or a hand signed invoice accordance with The uniform Commercial Code 3. Copy of Contract signed by both parties.

4. Provide TRUE CONTRACT, NO PHOTOCOPY.

This is a breech of my privacy rights and a violation under FCRA codes ( Section 604 15 U.S.C 1681 B, Section 605 A 16 U.S.C 1681 C-1, AND SECTION 605 B 15 U.S.C 1681 C-2.

Please see attachments for letters sent to company. 


I only wish to handle to handle this matter in writing. All calls will be recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a XXXX card thru Wells Fargo for my floors. Received it around XX/XX/2020. Started losing jobs but i did my part and called Wells Fargo. They held off for a couple of months I made payments. Every other company made arrangements because covid just kept on getting worse. Instead Wells Fargo stated they could only extend assistance for a few months then everything would go back to normal. Meaning fees, interest, balance due. 
But covid made things worse. Wells Fargo didnt see it that way and closed my account within less than a year and reported me to credit bureus. I tried to make arrangements but was told because my account had a discount of no interest for a year i had to wait until that year was up. When it was i was hit with all the interest. I went from $ XXXX to XXXX. I was able to continue making payments but the balance hardly went down because i was still getting hit with late fees and more interest every month. 
My credit is done. My pockets are done and the only option that was given to me was {$110.00} per month to stop the interest on a XXXX balance. I py it biweekly and it still doesnt make a dent. 
Now i see news reports that Wells Fargo just settled for wrongful closures and practices in the tune of $ XXXX. Im not looking for money because i know i owe them but i need my credit report corrected and assistance in lowering this unjustly balance during the height of covid. 
Can someone please help me? 
Thank you

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 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I moved from said residence and terminated the service but XXXX continued to bill me. Once I was made aware of the bill they were not willing to work with me to resolve it prior to it reflecting on my credit report. It's not fair for me to be responsible if I gave notice and was under the impression that the account was closed. XXXX failed to disconnect the 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 explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: WI

Complaint narrative:
This is a follow up complaint, the first case # XXXX. On XX/XX/2022 specialized loan servicing replied to my complaint. As of XX/XX/2022 none of the reply was done to 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 explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I don't know what this debt is for, but TSI said if i paid them they'd go away from my credit reports. So i was tricked into paying them and they are still on my reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
From XXXX to XX/XX/22 I have been in the market for a vehicle to be financed for the first time. I was not aware nor did I authorize the amount of inquiries on my credit report. I have over XXXX hard inquiries on my report which is just not attractive to lenders at all. I can recall only about XXXX dealerships Ive been too that I authorized one pull off my credit anything more I did not approve of. Under the the fair credit act nothing can be added or reports to my credit profile I have the power of that stated in 15 U.F.C 1681 A and B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
From XXXX to XX/XX/22 I have been in the market for a vehicle to be financed for the first time. I was not aware nor did I authorize the amount of inquiries on my credit report. I have over XXXX hard inquiries on my report which is just not attractive to lenders at all. I can recall only about XXXX dealerships Ive been too that I authorized one pull off my credit anything more I did not approve of. Under the the fair credit act nothing can be added or reports to my credit profile I have the power of that stated in 15 U.F.C 1681 A and B

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 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERIS BANCORP
State: GA

Complaint narrative:
Company terminated my services XX/XX/2022 says I have to wait 60 days for my funds being held in the amount of {$13000.00} and I have not received my funds as of today XX/XX/2022 I feel as if someone has stolen my money & no one at my loacal branch has help me with account beside saying they are going to close my account, When I walk in branch I also feel as discrimination. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I submitted a fraud claim on charges i discovered on my american express platinum card ... At which point american express just closed the card saying i must have authorized another person even though i never did i even filed a police report regarding this problem .... They closed it it's a substantial amount of money and i need the money refunded as it's fraudulent and under Reg E i'm entitled to the due process of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Have tried many times to send a wire from Wells Fargo to XXXX XXXX XXXX and am being told that XXXX XXXX XXXX  does not exist. XXXX XXXX XXXX routing number of XXXX. 
Have many clients that can not wire from Wells Fargo to XXXX XXXX XXXX. 

Wells Fargo needs to update their 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 2022-12-20 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: AR

Complaint narrative:
I recently discovered that I am the victim of identity theft. On XX/XX/2022, I sent a copy of the FTC report, my ID, proof of residency, and a letter identifying the fraudulent items that have been published to my credit report by Experian without my authorization of consent. These documents were sent certified mail. The tracking number confirms that Experian received these documents on XX/XX/2022. Federal law states that these items must be removed within 4 days of receipt. As of today, XX/XX/2022, 17 days have passed and the account with XXXX XXXX, which is included in both the FTC report as well as the letter I sent, is still being published on my credit report. At this time, Experian is acting in noncompliance with Federal law by continuing to furnish this information. I have attached all of the documents relating to this complaint including the FTC report, letter identifying all fraudulent items, ID, proof of residency, & screenshot or certified mail tracking history from USPS.

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