vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: WA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. 
The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Authorized Agent for the NAME XXXX XXXX XXXX or XXXX XXXX XXXX, requesting this block for the name of my PERSON. 

The Accounts that I need removed are XXXX XXXX XXXX with the amount XXXX. The original creditor was XXXX XXXX. 

Also, XXXX XXXX, Amount XXXX original creditor XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX original creditor XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: WA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. 
The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Authorized Agent for the NAME XXXX XXXX XXXX or XXXX XXXX XXXX, requesting this block for the name of my PERSON. 

The Accounts that I need removed are XXXX XXXX XXXX with the amount XXXX. The original creditor was XXXX XXXX. 

Also, XXXX XXXX, Amount XXXX original creditor XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX original creditor XXXX XXXX XXXX XXXX, XXXX original creditor 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 2024-01-10 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Credit bureaus is reporting an account ( Apple Card ) that was not opened by me or authorized by me. It is a fraudulent account. I submitted police report and ftc report. Company refuses to remove or block incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
Credit bureaus is reporting an account ( XXXX XXXX ) that was not opened by me or authorized by me. It is a fraudulent account. I submitted police report and ftc report. Company refuses to remove or block incorrect information.

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 2024-01-09 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: WA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. 
The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Authorized Agent for the NAME XXXX XXXX XXXX or XXXX XXXX XXXX, requesting this block for the name of my PERSON. 

The Accounts that I need removed are XXXX XXXX XXXX with the amount XXXX. The original creditor was XXXX XXXX. 

Also, XXXX XXXX, Amount XXXX original creditor XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX original creditor XXXX XXXX XXXX XXXX XXXX original creditor 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 2024-01-09 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: CA

Complaint narrative:
today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXXXXXX took it upon themselves to changew my mailing address to the lawfirm that represents this classaction I never gave them ( XXXX XXXX ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all XXXX of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all XXXX  credit bureaus.

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 2024-01-10 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I notice these unauthorized accounts and I have not authorize any of the following to pull my credit and I would like them deleted. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Synchrony PaypalXXXX XX/XX/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 2024-01-10 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I notice these unauthorized accounts and I have not authorize any of the following to pull my credit and I would like them deleted. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Wells Fargo BankXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/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 2024-01-09 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:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2024-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Unauthorized hard inquiries have been showing up often

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a fraudulent charge of {$5200.00} on XX/XX/23 - which I reported- XXXX XXXX XXXX fails to honor their {$0.00} fraud guarantee. Need to be credited for this charge 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 2024-01-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2023, someone used my ssc # to open a credit card XXXX, credit limit was granted of {$4700.00}, the thief used {$5200.00} went over the limit, then made payments on time until XX/XX/2023, 2 or 3 months later checked my credit report and TransUnion received this debt only with my ssc #, but not with my name, DOB or mail address, ONLY with ssc #, which is obviously my ssc # was stolen to open that XXXX XXXX, I contacted XXXX XXXX  and they Don't have any account under my name which is correct because I don't have a credit relations with XXXX XXXX XXXX XXXX, now trasunion told me to do this claim and get a letter from you to remove the debt from my credit, thanks so much for your attention.

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 2024-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I received an answer to my complaint from WestLake Finance on XXXX XXXX through XXXX XXXX XXXX. Two months since I never received any letters or emails from WestLake Finance regardless status of the vehicle that they begun to purchase from
 the dealer or Fraud department update as they promised in the reply to my complaint. 
I received letters from Westlake Finance stating that my car is being repossessed due to my outstanding loan balance. And that they initiated a car sale on an auction. This very car which was declared absolutely totaled and the repair cost exceeded the car value multiple times only at the third day leaving the dealer. We havent seen this car since XXXX and had no idea of the car location since it left the XXXX shop. We received absolutely not a single word from the car dealer after they took vehicle away in XXXX and promised to reach out with updates. Our attempts to reach out to them were unsuccessful as well. 
This is the  surprise that WestLake finance prepared for my family. After misleading us and lying to us and to the federal agencies,  alongside with a dealer tricking us into buying this malfunction car and all of these fake undisclosed warranties, differed down payments as well as a  car insurance by XXXX XXXX  which they also made me purchase and which overdrafted my bank account even after us telling them that we dont posses the car and it is not running. Now my familys main and only bank account got shutdown. Its been enough lies and misinformation, from now on Im seeking a legal attorney assistance into putting these scammer Dealer and Finance company into their place. All my family holidays got ruined as well as XXXX XXXX of my wife due to stress, XXXX XXXX XXXX  that these scammers brought upon my family.  I also found out that a few different people got scammed by XXXX XXXX XXXX  within the same timeframe as us. Im also been told by that very dealer that XXXX XXXX XXXX have their own people in WestLake Finance, which I assume help them scamming poor families and immigrants into their predatory landing schemes. Im currently in contact with these families and we will not hesitate to bring this case up to a full scale class action lawsuit.  Im also aware that Westlake Finance was under Administrative  processing  for multiple violation of consumer rights by Federal Credit Protection Agency (File No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute the accuracy of the late payment information that is currently present on my credit report. I have thoroughly reviewed my credit report and identified discrepancies related to late payments that I believe are inaccurately reported. I kindly request your immediate attention to this matter in order to rectify the inaccuracies on my credit report. 
FORD MOTOR CREDIT COMP XXXX I am aware of the importance of an accurate credit report and understand the impact it has on my overall creditworthiness. After careful review of my payment history with the aforementioned creditor, I have identified that the reported late payments are not reflective of my actual payment history. 
I am kindly requesting the removal or correction of the inaccurately reported late payments on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I request that you conduct a thorough investigation into this matter and, if necessary, contact the creditor to verify the accuracy of the reported information. 
I kindly ask that you investigate and resolve this dispute as soon as possible, preferably within the 30-day timeframe mandated by the FCRA. Your prompt attention to this matter is crucial to ensuring the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NE

Complaint narrative:
I'd lost my card-not terribly sure when exactly but the last transaction that I recognize was in XXXX. In XXXX, I saw charges totaling {$4200.00} on my debit card that I do not recognize. I filed a claim with Wells Fargo. No credit was issued and the claim was denied.

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 2024-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
my personal info was used without my permission to open a fraudulent account which led to a collection derogatory with XXXX also i have got this same account off multiple times due to identity theft. i first got it off on XX/XX/XXXX which at the time the company was XXXX XXXX i have a police report also with the XXXX XXXX in tx and the report number is XXXX then after it came off it came back but this company name was XXXX XXXX and i also had to get that off to on XX/XX/XXXX have a police report for that one too by XXXX XXXX and that report number is XXXX and now it came back the same account with a different name again and that name is the cbe group and i also have a police report for that one also by the XXXX XXXX and the report number is XXXX i am tired of these people harassing me for some i disputed a long time ago and over and over again these people are hindering my lively hood and my credit profile. 
Now with that been said according to FCRA act 15 U.S.C 1681 that company is required to by federal law to verify through the physical verification of the original signed consumer contract any all accounts you post on a credit report to assure maximum acccurarcy. 
I demand to see a copy of Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit and hindered my life. Under FCRA 1681 unverified accounts must be promptly deleted once the victim of identity theft has proactively contacted you notifying you of the fraudulent activity. 
Please block this this information ( the CBE GROUP XXXX # XXXX bal ; XXXX ) from my credit report, pursuant to section 605B of the FCRA, and send the required notification to all furnishers of this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
XXXX XX/XX/XXXX I reported a fraudulent charge for an XXXX  subscription on my VISA credit card to XXXX XXXXComenity/Bread Financial . They took care of the fraudulent charge and issued a new card and number. 
XXXX XX/XX/XXXX the fraudulent charge happened again. Exactly as explained above. The CSR that I spoke to at Comenity told me that thats just the way a reoccurring charge works. I asked how could a reoccurring charge happen again when all credit cards were canceled and re-issued with new numbers. She explained to me that is how she experiences these things. I explained to her that if I miss a letter or number on any credit purchase the system kicks it back and wont let me complete the purchase. 
Which person is correct? Myself or Comenity Bank CSR. 
I have had too many fraudulent charges, canceled cards, re-issued cards through Visa, XXXX XXXX Comenity, and Bread Financial. Something is going on within one of those companies, and each points me towards the other. it seems to me that I have been contacting the fraud department at Comenity every time. That is the phone number I have. That is who I am directed to call by the other two entities. I believe Comenity is allowing fraud perpetrators to use mine and others credit card information for purchases. Its either unknowingly or within their company. 
I think everyone should be on the same page and by filing this report I hope theres a better understanding. It is my prerogative to change credit card companies I understand, so I have locked all my credit cards and in the process of looking at other companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: KY

Complaint narrative:
Received loan through dealer on XXXX I believed this was a standard auto loan. After over a month, I had to contact the dealer to see who did the financing as I had heard/received nothing. As of XX/XX/, I had received no paperwork for this loan regarding first payment due date or payment amount due. Called customer support stating this issue. XXXX said they had my physical address entered and not my mailing address entered so I updated this and paid {$2000.00} to go towards future payments to allow more time for the documents to come in the mail. I asked the rep if I would be good for a while and the rep said yes. 
On XX/XX/, I checked my credit score and saw that lender filed a late payment for the XX/XX/ payment being XXXX days past due. I called customer support to inquire about the issue as I had made a payment and to also inquire why I still had not received any documents or statements. XXXX stated that my address had been noted but not actual entered. The rep also stated the {$2000.00} payment wasnt applied to my bill due - only as a principal payment. I told the rep it was suppose to go towards monthly payments, however, rep stated that wasnt possible and began arguing. I stated that he needed to listen to the previous call as it was recorded. After placing me on hold to, what I suspect, listen to the previous call, rep came back apologizing. He then transferred me to someone who could help. Nothing was done aside from me paying another {$1000.00}. The rep applied it to the late payment due. 
I do not see how I could have a past due of XXXX days for the XX/XX/ bill when I paid {$2000.00} on XX/XX/. I filed a dispute, however, lender states their reporting is correct. This does not make sense. The only error I see is the lender ( XXXX ) never sending paperwork for a loan they administered and ( XXXX ) not applying a payment correctly to an account for a borrower that had no knowledge of the repayment schedule as the lender never provided it ( which was another error on their part ).

Company response to consumer: Closed with monetary relief