vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This is in regards the dispute I have against both XXXX and ally bank. 
I do not own a XXXX account, and fraudulent ACH debits totally {$310000.00} were taken between XX/XX/XXXX to XX/XX/XXXX into a XXXX account with owner name XXXX XXXX, which I do not know nor associate with. 
I received my latest statement in early XX/XX/XXXX, and I contacted ally in regards the unauthorized debits. I was advised I need to contact XXXX in an attempt to resolve the dispute charges, since my routing numbers/account numbers were used. 
I contacted XXXX on XX/XX/XXXX and explained the situation. I was advised since I'm not the account holder, they could not provide further information, but they freeze the brokerage account with fraudulent deposits in question, and will attempt to reverse the transactions. I called back on XX/XX/XXXX and XX/XX/XXXX and I was eventually advised I need to dispute them directly with Ally Bank, since I'm not the account holder, and they will not reverse the fraudulent charges. I went back to Ally Bank and filed a dispute on XX/XX/XXXX, I was asked if I know or associate with someone name XXXX XXXX, I responded no, and I was advised I will be contacted if needed. I received a call from the fraud department on XX/XX/XXXX and and additional call on XX/XX/XXXX, during the phone call, I requested Ally Bank to contact XXXX directly to recover the stolen funds. I further attest I do not own nor benefit from a XXXX 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 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: Commonwealth Financial Systems, Inc.
State: KY

Complaint narrative:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). is a inaccurate account on my credit file and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: Lending Club Corp
State: KY

Complaint narrative:
I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). is a inaccurate account on my credit file and is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/2021 I disputed Public Record information on my consumer report under FCRA requirements of 15 USC 1681 ( a ) ( 4 ) accuracy and fairness of credit reporting. Consumer reporting agencies have a GRAVE responsibility to report fairness, impartiality, and a respect for the consumers right to PRIVACY. However transunion refused to provide me with my rights as a consumer a method of verification. I then recorded a call with transunion on XX/XX/2021 and asked for their method of verification under the requirements of the FCRA, I was told that information was not available and I can dispute the error again. Which transunion did not reinvestigate, they just sent me the previous investigations results. Transunion has broken several FCRA violations. Transunion did not submit nor forward any of my documentary proof to any furnisher because XXXX technology limitations do not permit authenticity of consumer documents and PRIVACY CONCERNS. I have taken on this investigation and I have proof that USBK COURT did not and does not sell XXXXnformation data furnishers. However, XXXX XXXX does sell and purchases bundled data which is how errors get reported. XXXX XXXX admitted the error and removed the error. Transunion NEVER INVESTIGATED my bankruptcy dispute which is a violation to my consumer rights.

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 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on XXXX INDIGO/GF. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

XXXX INDIGO/GF XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Fraud. You all already know what is going on. There are 30 additional months left on my loan term. Please have Wells Fargo just recalculate the payments for the life of the loan. they have already taken more than enough payments the car is already paid for as they change loan agreements at signing but i dont care at this point they can have my money just make sure they recalculate the payments for the life of the loan. should be around 30/month. please also make sure no one switches my cars the entire engine was new when purchased now it is set on automatic failures. the balance due is around {$900.00} and there are 30 months remaining on the loan. the payments should not be {$160.00} for 30 months.

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 2022-01-22 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: IL

Complaint narrative:
the following items are one my credit report i didn't apply for none of these accounts i didn't use none of these accounts Account numberXXXXAccount statusClosedDate openedXX/XX/XXXX loan amount XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX $ Original creditor : Account number XXXX Collection opened XX/XX/XXXX XXXX $ Account type XXXX XXXX XXXX XXXX XXXX XXXX Collection AccountAccount number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount 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 2022-01-22 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: IL

Complaint narrative:
the following items are one my credit report i didn't apply for none of these accounts i didn't use none of these accounts Account XXXX statusClosedDate openedXX/XX/XXXX loan amount XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX $ Original creditor : Account number XXXX Collection opened XX/XX/XXXX XXXX $ Account type XXXX XXXX XXXX XXXX XXXX XXXX Collection AccountAccount number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on MACYS/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

MACYS/DSNB XXXX Balance {$1000.00}

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 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureaus are reporting inaccurate information on NORDSTROM/TD BANK USA . Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

NORDSTROM/TD BANK USA XXXX XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
XX/XX/2021, I received a text that said Wells Fargo. transaction pending XXXX if it was me reply to Y or N. I pressed N and sent it. Seconds later I received a call that said Wells Fargo. I answered and the guy said This is XXXX with Wells Fargo this call will be recorded and monitored for security purposes. He said XXXX XXXX i said yes then he said the reason for my call Is because there were 3 attempts to take out XXXX from your checking account through XXXX. Then he said in order to stop the money from being sent go ahead and login to your account and go into XXXX then go settings and then he said there's 2 setting that you see there? i said yes, he said on shouldn't be green so go ahead and disable that setting. Then he said we are going to make you a XXXX account so we can send the money back to you. it'll stop the transaction from being sent out. so, I made myself an account. He said go ahead and act as if you're going to send money from your checking account to yourself so i sent XXXX to the XXXX account I made. Then he said go into savings and do the same thing but whatever you have in savings which was XXXX I sent that to me through XXXX. Then he said that the money will go back into my account after midnight. As i was going to ask a question about the XXXX attempts the guy hung up on me. I called Wells Fargo back and that is when I learned that Wells Fargo didn't call me about the XXXX pending transaction. They transferred me to the fraud department, and I gave them my statement. They told me to wait 10 business days so they can review and determine what will happen. After the 10 business days I called, and they told me that the case was closed, and I'll get a letter. I was also told that I won't get my money back because it was sent through XXXX, and they can't trace those transactions. So, I said Well why didn't you tell me that in the first place instead of giving me hope that I was going to get my money back.

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 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
SPEZIALIZED LOAN SERVICE REFUSE TO PAY OVERPAY IN ESCROW From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX To specialized loan service. Loan number XXXX Date XX/XX/XXXX Dear ladies and gentle man, Copy to all government. 

Urgent request, based on fraud and lies, please revoke their Mortgage license and stop their business. Make SLS pay the overpayment of escrow monies {$2500.00}. This is confirmed by Specialized loan service in writing. 
Make them pay {$10000.00} in fines to Mr XXXX XXXX XXXX XXXX, Make them pay interest and collection monies, like SLS enjoy doing We sold our Home XX/XX/XXXX. Today XX/XX/XXXX, we still did not receive a penny from SLS. We called many many times, we wrote letters, we spoke with SLS people who promised to wire the funds, we went to XXXX we went to local government. We received SLS mail, standard letter, specialized Loan Servicing has received your letter regarding the above referenced loan. Your case is currently under review. We realize the urgency and blab la bla.. Standard letter. XXXX XXXX XXXX XXXX and others. 
Today, still no money. 
SLS is in default on different occasions. There is NO dispute, The overpay is confirmed, They just have to pay, 20 days after closing. XX/XX/XXXX today XX/XX/XXXX. 
Please make them pay, including everything as asked for Yours sincerely XXXX XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX Fl. XXXX Cell XXXX XXXX Thank you 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 explanation
Consumer complaint received 2022-01-22 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: TX

Complaint narrative:
There is a derogatory medical collection that has been placed on my XXXX and Experian consumer reports without my consent. I did not give my permission for this to happen. The alleged debt is {$750.00} placed by XXXX XXXX XXXX. They have an incorrect address on my report and I have not been able to contact them.

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 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on WELLS FARGO CARD SER. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

WELLS FARGO CARD SER XXXX Balance {$1100.00}

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 2022-01-22 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : 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 2022-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have never been late on my loan. PNC keep calling me telling me I missed a payment in XXXX of last year. I sent them all the documents proving that the payment was paid. This has been going on since XXXX. I have talked to 10 people they have everything they asked for and nothing has been done.I get called every week saying I'm late on my loan. They have reported me to the credit bureaus my credit score dropped XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

CREDIT COLL ( Original creditor : XXXX ) XXXX Balance {$93.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX The Toyota Motor Leasing company was removed off my Credit report and as of XX/XX/XXXX it was added back on my credit report. As they were negligent in responding back to my letter and requests. In addition, this debt is older than 5 years of the Statue of Limitations for Florida. The total amount for the Repossession was for {$24000.00}. However, this debt was removed from all of my credit reports. I would like this matter resolved immediately as this a huge impact to my personal credit.

Company response to consumer: Closed with explanation