vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Discovered that Wells Fargo opened a credit card in my name, which I did NOT APPLY for - someone applied fraudulently in my name. I also found that Wells Fargo did NOT even pull a credit report, which would have alerted me even sooner. How can a bank issue a credit card without a credit inquiry??? Below is the history to-date ( XX/XX/XXXX ). 
XX/XX/XXXX : Received email from Well Fargo ( WF ) informing me of email address change, and to notify them if I did not ask for it. 
XX/XX/XXXX : I did not ask for any email address change, so my wife called WF and spoke to the XXXX XXXX. After I confirmed with them that I was indeed XXXX XXXX and did NOT OPEN the XXXX account. We were told the account was closed and could not be used. They would not provide me with the full XXXX XXXX  number, and still have not as of today. 
XX/XX/XXXX : I received a call from WF asking to confirm that situation. That is, I am XXXX XXXX and I did NOT open a WF credit card. I did so. 
XX/XX/XXXX : I called WF and was connected to the Credit Card Fraudulent Application area. I spoke with XXXX, who also confirmed with me that the CC account was closed. I told her I had pulled my credit reports frm the 3 bureaus, and none of them showed an inquiry from Wells Fargo, so I asked her how WF issued a credit card without an inquity? She said she had no info on that. She also informed me that the application that was made contained all my personal information, phone number, etc. She said I could write to WF and obtain a copy of the application. She told me to include the application number : XXXX. I sent a letter on that day requesting same. 
XX/XX/XXXX : I received an email from WF thanking me for contacting them regarding my complaint. It referenced XXXX ending in XXXX. It also included XXXX # XXXX. 
XX/XX/XXXX : I called WF upon receiving the email at the number listed : XXXX, and spoke with XXXX. He said I should hear from WF shortly re internal investigation. 
XX/XX/XXXX : I pulled our XXXX credit report. It lists WF credit card account in question as OPEN reported by WF on XX/XX/XXXX to the credit union. This is 2 days AFTER WF told me the XXXX was closed. 
XX/XX/XXXX : Called XXXX at XXXX, and spoke to XXXX. She said that XXXX was handling my case, and she would ask him to call me. Called again and spoke to XXXX at XXXX. She said she would have XXXX 's boss call me. 
XX/XX/XXXX : This am at XXXX I got an email from WF stating WF has updated my contact information for XXXX  XXXX in XXXX to be our address of XXXX XXXX XXXX. 
As of today, XX/XX/XXXX, NO ONE from WF has called me to explain to me how this happened and to provide me with written proof that the fraudulent WF XXXX XXXX has been closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Merchant : XXXX ( XXXX ) XXXX Representative XXXX XX/XX/2023 XXXX about ally/Ollo credit card transaction Cancel Confirmation XXXX XXXX Cancel Confirmation XXXX XXXX I called the merchant to asking them to cancel this transaction as they were fraudulent which they agreed and proceeded to cancel and provided me with the above confirmation numbers. 

XX/XX/2023 was the date the transactions happened XXXX XXXX : Ally Card Alerts Card XXXX Did you purchase XXXX {$39.00} XXXX XXXX XXXX  ; XXXX {$12.00} XXXX  ; Reply Y or N Reply HELP for help ; STOP to Cancel and I called ollo / now ally bank to notify them of this issue. They just made it even worse. After waiting for 1hr on the phone proceeded to have a very unpleasant conversation with one of their finestdisputes department who went ahead and said they can not guarantee a refund at any point of the 90day investigation. A very concerning issues considering the credit cards are federally insured. To make it even worse the merchant confirms that they refunded the funds. Shockingly now I have 2 charges of XXXX and XXXX on my card. It this point Im even more confused.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a request to remove on XX/XX/XXXX and XX/XX/XXXX and they dismissed claim it was not me but i provided them my dl and it came from my address. They need to remove this 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 non-monetary relief
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I contacted IC Systems as I was not aware I had a collection account with them. I than asked if I could pay the debt and have them remove this off my credit report. They agreed and I paid my debt and they are now not helping remove this off my credit. I need them to remove this off my credit. I am a Veteran who fought for this country and I hope they can be a man of their word and remove this off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: DISCOVER BANK
State: FL

Complaint narrative:
A credit card was opened under my name. I did not authorized the credit card from DISCOVER BANK neither any consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this 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 2023-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: GA

Complaint narrative:
The debt I owed was to the original creditor XXXX. In XXXX, I received collection contact call from XXXX, XXXX XXXX XXXX collections agency regarding the debt with XXXX in the amount of {$1900.00}. XXXX offered me a settlement offer in the amount of {$580.00} to be paid in a multiple-part payment arrangement. I agreed to the settlement offer and paid in full all XXXX payments dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first payment was {$100.00} and the other 4 were in the amount of {$120.00}. Also, XXXX agreed in writing not pursue further collection action for this debt. I received documentation on XX/XX/XXXX from XXXX  collection agency confirming that my account with creditor XXXX was satisfied in full by my payment of {$580.00}. And also, that XXXX, the original creditor was notified of this by XXXX. 

On XX/XX/XXXX, I received a different collection letter in the mail from a different collection agency ERC, Enhanced Recovery for the same debt with the same original creditor XXXX. 

On XX/XX/XXXX, I mailed a detailed letter to ERC explaining the above, along with copies of the documentation I received from XXXX  collection agency validating that this debt had been satisfied as of XX/XX/XXXX, with the above mentioned settlement offer. The documentation I presented to ERC supports and clearly validates that this is the exact same account ( verified by the original creditors XXXX account number ) that they are trying to collect for. And furthermore, that I settled on XX/XX/XXXX, with XXXX  XXXX  XXXX XXXX. 

I have exhausted my options in getting this issue resolved on my own with ERC collections agency. Therefore, I ask for assistance from CFB for a fair resolution of the above matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, I woke up to find that money was moved between my checking and savings account on my Wells Fargo account. The fraudster attempted to transfer all money to XXXX account and XXXX it to themselves. The first attempt was a XXXX transfer to a new recipient, " XXXX XXXX '', that was not added on my behalf in the amount of {$3500.00}. It was unsuccessful. The second attempt was also a XXXX transfer to a new recipient, " XXXX XXXX '', that was not added on my behalf in the amount of {$3500.00} and was successful. This occurred around XXXX according to transaction and email timestamps. As soon as I woke up and saw this activity on my account, I called Wells Fargo customer service. The representative closed my account and transferred to a new account so that no further activity would happen on those accounts and I changed my username and password. Because it was a Saturday, the representative told me to call back Monday to be transferred to the Online Fraud department which is only open on weekdays. When I called them on Monday, the representative asked me questions that would help with the investigation and that it would take 10 business days. I assured them that I did not make nor authorize these transactions. I then received a letter in the mail on XX/XX/XXXX stating that my investigation was closed and they did not find any evidence of fraud. I called on XXXX to dispute the investigation and I was told that once an investigation is closed, it's closed and I can not dispute. I don't understand how they can not offer me the opportunity to dispute when it very clearly was an unauthorized transaction! I also don't understand how they couldn't stop the transaction from going through when it still showed as pending in my account when I called on XX/XX/XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I see on my credit report a derogatory entry that doesn't belong to Me, nor am I responsible for, nor have I received any money or goods from the creation of this unknown account. The date the account was opened was XX/XX/2020 and the fraudulent amount that I am not responsible for is {$740.00}. I haven't talked to the company however I have filed a police report and a identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I Reached out to XXXX Equifax and XXXX in Attempt to get them to delete the account on XX/XX/23 and was told I still have A balance with XXXX XXXX account number XXXX which I do not. The account is completely paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The company is the credit bureau Equifax : In XXXX, I tried to freeze my Equifax credit report but their website was not working and couldn't verify my identify. I had to mail in a copy of my social security card and driver 's license so that this could be done. My credit was successfully frozen, but their website still can not verify my identity so I am unable to lift my security freeze in order to apply for credit cards, apartments, mortgages, etc which has been a huge trouble point in my life. After calling customer service a large number of times, they had me send my social security card and driver 's license for a SECOND time to their office to hopefully get things straightened out and my freeze lifted. This was in XXXX and I've waited a year and nothing has happened. About 1-2 months ago, I called again and they had me send a copy of my social security card and driver 's license for a THIRD time to their office. This time I was very attentive to the issue calling every week with an assurance that my issue would be taken care of in 30 days. It was not and I am still unable to lift my security freeze, and therefore unable to apply for credit cards, apartments, loans, etc. I have filed an Equifax dispute via mail ( since I am also unable to do so via their disfunctional website ) which is ongoing and is SUPPOSED to resolve the issue but nothing has happened yet, and I have lost trust with this disorganized credit bureau hence why I am submitting this complaint to CFPB, as this was an issue that should've been fixed years ago. Customer service can't even locate my file despite me giving all my information, and seem to be helpless regarding this specific issue. Worth mentioning : my family as well as hundreds of people on the internet have ran into a similar issue with Equifax. Thank you for your future help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Siggi LLC
State: CA

Complaint narrative:
As per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given to the following companies Written & Unwritten, verbal and non verbal per 15 USC 6802. 

XXXX XXXX XXXX XXXX, 2016 Omni Military Loans

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I called XXXX XXXX about the threatening legal action letter that was sent to me.The representative was not being cooperative and i asked them to verify the debt and not to contact me again with threatening letters!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX XXXX I met with XXXX XXXX XXXX XXXX of Citibank in XXXX XXXX Florida. Branch address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told her I was signing up for a special promotion I saw for {$2000.00} to open a Citibank business account and fund it with XXXX min for the required depsoit period. This applied to all citi business acounts at the time. I opened a chjecking account and a money market account. I never got the {$2000.00} signup bonus although I qualified for it. I called the toll free number on XXXX at XXXXXXXX XXXX and somebody in the XXXX told me she knows nothing about this. I understand that other Citibank business customers are not getting the proper bonuses as they should be. This seems to be a widespread problem that needs to be resolved. I could have gotten higher interest at other banks, however I took the Citibank offer and they do not want to pay the terms of the offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: CA

Complaint narrative:
i seen this account on my report i disputed it i sent all the requiring documents proof of address and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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