vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-18 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: DC

Complaint narrative:
I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Equifax aware that I have never signed an Affidavit nor giving Equifax consent to furnish ANY INFORMATION on my consumer report but has that stopped Equifax? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Equifaxs system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: GA

Complaint narrative:
For over a year now after being a victim of identity theft I have been disputing with all 3 major Credit Bureaus. Transunion, XXXX and XXXX. 

I have sent letters after letters and have followed every bit of instructions available to me. From using companies to help assist like XXXX XXXX to XXXX and of course writing my own letters. 

If you can search your records you may see nearly a dozen complaints with your company cfpb because of this. My tracked record began XX/XX/XXXX. When I began to need to use my credit to find a new home. 

Consecutively from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I have been disputing these items because the credit bureaus are reporting incorrect items and doing so without proof and validation. 

They would reply back to my certified letters that the items are accurate and meet the law and are verified yet I ask over and over again how did they come up to that conclusion and who was contacted to valid or verify the debt or items listed and they never respond ever as to who how or why they are reporting these items incorrectly and without proof. This breaking the law again. 

I submit everything they request including most recently doing what they asked a Police Report along with an FTC report. No one has ever sent me a signature or anything validating these items reporting on my credit profile. I followed their instructions as instructed yet they tell me the FTC Report isn't valid because the inquires did not have a date listed on it. 

The accounts I mentioned are all listed in the letters I will upload. 


XXXX XXXX XXXX XXXX Unverified Account {$6200.00} XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX /XXXX  XXXX Unverified Account XXXX XXXX/XXXX  XXXX Unverified Account {$1500.00} XXXX XXXX XXXX/XXXX  XXXX Unverified Account {$0.00} XXXX XXXX XXXX XXXX Unverified Account {$4600.00} XXXX XXXX XXXX XXXX XXXX****Unverified Account {$1000.00} XXXX  XXXX XXXX XXXX Unverified Account {$480.00} XXXX XXXX  XXXX XXXX XXXX Unverified Account {$4700.00} XXXX ( XXXX ) XXXX XXXX XXXX Unverified Account {$1000.00} XXXX XXXX XXXX Unverified Account {$680.00} XXXX XXXX XXXX XXXX Unverified Account {$660.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$6800.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00}

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 2021-09-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For over a year now after being a victim of identity theft I have been disputing with all 3 major Credit Bureaus. XXXX, Equifax and XXXX. 

I have sent letters after letters and have followed every bit of instructions available to me. From using companies to help assist like XXXX XXXX to XXXX and of course writing my own letters. 

If you can search your records you may see nearly a dozen complaints with your company cfpb because of this. My tracked record began XX/XX/XXXX. When I began to need to use my credit to find a new home. 

Consecutively from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX I have been disputing these items because the credit bureaus are reporting incorrect items and doing so without proof and validation. 

They would reply back to my certified letters that the items are accurate and meet the law and are verified yet I ask over and over again how did they come up to that conclusion and who was contacted to valid or verify the debt or items listed and they never respond ever as to who how or why they are reporting these items incorrectly and without proof. This breaking the law again. 

I submit everything they request including most recently doing what they asked a Police Report along with an FTC report. No one has ever sent me a signature or anything validating these items reporting on my credit profile. I followed their instructions as instructed yet they tell me the FTC Report isn't valid because the inquires did not have a date listed on it. 

The accounts I mentioned are all listed in the letters I will upload. 


XXXX XXXX XXXX XXXX Unverified Account {$6200.00} XXXX  XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX XXXX Unverified Account XXXX XXXX /XXXX  XXXX Unverified Account XXXX XXXX/XXXX XXXX Unverified Account {$1500.00} XXXX XXXX XXXX/XXXX  XXXX Unverified Account {$0.00} XXXX XXXX XXXX XXXX Unverified Account {$4600.00} XXXX XXXX XXXX  XXXX XXXXUnverified Account {$1000.00} XXXX  XXXX XXXX XXXX Unverified Account {$480.00} XXXX XXXX  XXXX XXXX XXXX Unverified Account {$4700.00} XXXX ( XXXX  ) XXXX XXXX  XXXX Unverified Account {$1000.00} XXXX XXXX XXXX Unverified Account {$680.00} XXXX XXXX XXXX XXXX Unverified Account {$660.00} XXXX XXXX XXXX XXXX XXXX Unverified  Account {$6800.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00} XXXX XXXX XXXX XXXX XXXX Unverified Account {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I refinanced my mortgage with LoanDepot and when the mortgage was funded and I received my Closing Disclosure dated XX/XX/XXXX I noticed the following : Closing Costs Financed ( paid from your loan amount ) {$1600.00}. I called the account manager to find out why they financed my Closing Costs when I said I would pay 'all ' of it because I didn't want to finance anything except the loan payoff from XXXX XXXX . The account manager ( that worked on my refi ) didn't know why so she said she would asked her manager why there were any Closing Costs and what these fees were. According to her, the manager said they aren't APR sensitive. She said that means they aren't Closing Costs. Needless to say, I wasn't happy since I assumed I had paid 'all ' costs which came to {$6900.00}. I told her I don't understand how you can charge for something that there is no explanation of for the fee. I told her I want to know what it was and why it was financed. She said she understood my concern and since her manager didn't offer her an explanation that she understood and could explain to me that she would reach out to her Director for a better explanation. We had that conversation on XX/XX/XXXX and I sent an email to follow up on XX/XX/XXXX as I hadn't heard anything. On XX/XX/XXXX, I received a revised Closing Disclosure stating that there was an internal post-closing review and they determined revisions were needed. Unfortunately, that didn't explain why there were Closing Costs. The revision reduced the amount to {$1600.00} to be financed. The account manager didn't call me to explain why so I called on XX/XX/XXXX and left an escalated message for her or her manager to call me on with an explanation. I also sent another follow up email on XXXX to the account manager. Needless to say no one has contacted me. She won't respond to my emails or calls. This is ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: OneMain Finance Corporation
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: FC HoldCo LLC
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries Flagship Credit Acceptance XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2021-09-18 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: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2021-09-18 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: Global Lending Services LLC
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries FXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Global Lending Services Inc XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Wells Fargo Dealer Services 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 2021-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I have a business checking and personal checking with the bank. The bank has been and is still today requesting me to pay overdraft charges that have been excessive since account opening. I recently noticed I have already set up push notifications, sms notifications and email notification alerts to notify me that once my account goes under {$0.00} I am to be notified but nothing happens. I have brought this to the banks attention already. My balance is never {$0.00} so I should be receiving alerts when it drops below {$0.00}. I have paid roughly {$300.00} or more in overdraft fees due to me not being notified in a timely manner by the system since account opening. I recently spoken with the bank and they shared with me that they see the alerts set up but there is some kind of system error. They cant see nor control when the emails are sent but the push notifications they can see and should already be happening but they arent. As well the sms notifications are on but they arent sending alerts neither. Due to this reason I am paying fees that is not my fault because had I been notified the funds would be made available immediately thereafter and cover my transactions in time to avoid overdraft fees or any fees occurred due to not being notified. The bank gives until XXXX to make a deposit to avoid any fees once the account goes to a negative balance. Due to this the bank have caused damage to my finances. This bank has gotten over on me long enough and I refuse to keep allowing this to happen.

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 2021-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: MI

Complaint narrative:
SN Servicing holds my loan payments to inflate my days delinquent. I have been unemployed due to covid-19 they have not tried to work with me. We did file bankruptcy but I still see all the late charges listed on the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: NJ

Complaint narrative:
myEquifax loging is broken. 

Getting. " We are temporarily unable to complete this request. ". 

Tried calling customer care they told me to remove cookies. I tried noting seems to work. 

I'm unable to freeze my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA

Complaint narrative:
Southwest Collection Service Inc sent me a notice ( dated XX/XX/XXXX ) in attempt to collect a debt that is not associated with myself. The amount of the debt is {$170.00} ( {$54.00} of this amount is interest ). The notice describes ambulance services provided to someone else on XX/XX/XXXX that Southwest says was not covered by medical insurance. The person who received ambulance service has an Explanation of Benefits ( from his secondary insurer XXXX XXXX XXXX ) which clearly states patient owes {$0.00}. The patients primary insurance also paid this debt three times over. Finally, Im not the person who received ambulance services, and this collection company can not legally hold me accountable for this debt, for which the amount owed is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18 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: SECURITY FINANCE CORP
State: MO

Complaint narrative:
I have disputed on numerous occasions factual inaccuracies across all of my credit reports with this company that should have resulted in the account being deleted. In direct violation of Federal law, the company keeps updating the factually disputed inaccuracies when they should have deleted 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 2021-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2020, I was scammed on XXXX by a woman named XXXX XXXX, she claimed to help trade with bitcoin and get a large return. I was willing to invest {$500.00} only and let that be known many times. I was told you only pay what you invest, I have all our conversations saved on whats app. After finally setting up initial investment, 7 days went by and I earned a profit of XXXX now when she asks me for money to by the stamp. This made no sense to me so I reached out to another lady on XXXX who claimed to have traded with her in the passed. She told me this was normal. I wire transferred {$1000.00} to an acct in New York. After this I was told now I need to pay the Commission upfront, I explained this was not the arrangement and I cant do it. Told her she was not upfront with me, she then agreed and said she talked to company and they agreed to lessen Commission to {$1000.00}. So I regretfully sent another {$1000.00} same acct. Both XX/XX/2020. Now time to get my profit, was asked what phone I have iphone of well you need an android so go get one and contact me back. I then contacted my bank Wells Fargo to submit fraud claim. I was told I would hear something within 2 weeks. Nothing! I called in XXXX over a XXXX, the lady could find the claim but told me nothing was updated looks like still waiting on community bank in New York. She would refile and get more info and contact me back. I heard nothing, called back end of XXXX and got the same run around. XXXX same finally XXXX get a manager he tells me the reason I hadn't heard anything from XXXX till I called in XXXX cause the claim wasn't started till XXXX, I was fuming mad. Then was transferred again, had to explain same story over and over to different people. My bank wasted months Doing nothing just to finally tell me that the bank in New York says the acct has no funds. My Money was lost nothing they could do. Wells Fargo dropped the ball big time. Each time I called it was like the first time I called giving the fraud company/ people plenty of time to empty acct. please help me. I lost {$2000.00} and {$60.00} in transfer fees. Bank took from XXXX to mid XXXX to do anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief