vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 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: IL

Complaint narrative:
XXXX XXXX and equifax Has violated my consumer rights by reporting accounts related to identity theft 15 U.S. Code 1681i - Procedure in case of disputed accuracy please proceed accurately Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs. 

all documents attached to proceed with Deletion Police Report, FTC REPORT, ID, COMED BILL, and dispute letter attached 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 



HERE ARE THE IDENTITY THEFT ACCOUNTS & INQUIRIES 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
A lengthy hold of 30 days was placed on a deposit. After the 30 day period the hold was not released and the deposited funds were not available. I spoke to a customer service representative and was not given any sufficient information regarding the hold. I tried to close the account at this point but was told that the hold would prevent that action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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:
Realized that I was a victim of identity theft on XX/XX/2022. Since then, I have attempted to reach out to the creditors and the credit bureaus directly with multiple letters and have yet to receive a response or a resolution to this matter.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Closed checking account on XX/XX/2023 and received cashier check in branch issued by wells Fargo banker, then deposited cashier check with XXXX XXXX  in ATM, few hours later received an email from XXXX  XXXX states security alert, then called bank, got transferred to security team been told they can not verify my cashier check thru wells fargo, meanwhile my XXXX XXXX account get freeze due to abnormal activity, means I can not withraw ANY fund from my XXXX XXXX checking. then called wells fargo customer service few times talked to supervisor to verify the situation been told nothing they can to. 

Date XX/XX/XXXX Amount {$4800.00}

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 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed incorrect reporting on my credit report and did not receive a timely response. Please remove incorrect report on my report immediately.

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 2023-09-08 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: TX

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XX/XX/XXXXXXXX  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 2023-09-08 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: TX

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$110.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was denied for bank accounts, Credit cards & loans

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 2023-09-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: FL

Complaint narrative:
I noticed the following accounts on my credit which I don't recognize and I suspect identity theft, I am going to open a formal investigation with my local police department : XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX MY NAME IS OFTEN MISTAKEN FOR XXXX , MY ACTUAL NAME IS SPELLED XXXX WITH AN XXXX. 

MAYBE THESE ACCOUNTS ARE SHOWING UP AS A RESULT OF SOMEONE ELSE.

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 2023-09-07 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:
I noticed the following accounts on my credit which I don't recognize and I suspect identity theft, I am going to open a formal investigation with my local police department : XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ( XXXX XXXX  XXXX ) XXXX MY NAME IS OFTEN MISTAKEN FOR XXXX , MY ACTUAL NAME IS SPELLED XXXX WITH AN XXXX. 

MAYBE THESE ACCOUNTS ARE SHOWING UP AS A RESULT OF SOMEONE ELSE.

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 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My ex-husband used my debit card to sign up for an emulator through buildsXXXX  ( on the bank statement, it comes up as rainbowpixel ). I have contacted them multiple times and they said they have blocked them however I am still being charged. I have changed my card multiple times and I am still being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC
State: MD

Complaint narrative:
One of the problems is constant calling even after payment has been made ; all day every day, 7 days a week. I have made agreements with them, and they continue the harassments, they always act as if we had no agreement or not honor a request to change pay date, after they let me know that i could change the due date after a certain period of time. There is always an excuse as to why they can't do something to work with me. The truck they are financing is just over a year old and just a few months before the year ended, the engine went up, Westlake, the finance company also owns the warranty company ; XXXX engines late and over a month of waiting for my truck because the warranty company sent a bad engine. I complained to Westlake, they showed no interest that the vehicle they finance was not in good shape to be sold, this is along with many other serious issues the dealer found while installing the engine that did not happen with me. One problem after another, and not much assistance from Westlake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim XXXX XXXX XXXX A distressing series of events, an i have become a victim of both EDD card theft and identity fraud, plunging them into a prolonged period of hardship. While Im playing on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but The situation unfolded when an unknown perpetrator gained access to my personal information, including my EDD card details. Armed with this sensitive data, around XXXX of XXXX the perpetrator embarked on a spree of fraudulent activities, leaving the unsuspecting me grappling with not only financial difficulties but also mounting medical bills. As i face the overwhelming burden of family expenses alongside of my own, weight of isolation an intensifies. 
The aftermath of having my EDD card and identity stolen has taken a severe toll on the me, fostering feelings of vulnerability, isolation, and helplessness. The months-long struggle to resolve the issue has worn me down, and the mounting pressure of unpaid medical bills further exacerbates the emotional and financial strain. The constant battle to rectify the situation can often lead to moments of despair and thoughts of giving up. However, it is crucial to remember that there is hope and assistance available to overcome these hardships. 
Recovering from stolen identity and financial hardship requires perseverance and a proactive approach. I took immediate action by reporting the theft to the relevant authorities, such as the EDD and law enforcement agencies an Bank of America. Simultaneously, reaching out to financial institutions, including banks and credit card companies, is vital to alert them of the fraudulent activities and mitigate further damage. As I am Seeking professional guidance, such as credit counseling services or legal assistance, can help navigate the complexities of identity theft recovery, providing a much-needed lifeline during this challenging period. Please find it in your heart to do everything you can as I am a god fearing man an i hope you are as well

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 2023-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
We have a 3rd party making our mortgage payments XXXX /Haf they have been paying since last XXXX of XXXX and will continue until XXXX of XXXX. They pay {$720.00}. I pay the difference of {$100.00} amonth. XXXX sent the XXXX payment over on the XXXX of XXXX reference # XXXX and XXXX XXXX on XX/XX/XXXX reference # XXXX. They are sent Electronically. Discover keeps saying they have not received the payments XXXX keeps saying they have accepted the money just have not applied to our account. Our case number with XXXX is # XXXX. Their phone number is XXXX. Discover Home loan account number is XXXX. Their number is XXXX. I have called Discover over 5x in the last few weeks and XXXX has called me 3 x about this. I have tried to do a 3 way call and Discover always hangs up. I dont know what else to do. Now my XXXX payment is late and I will have to pay a late fee and it goes against my credit score. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: TN

Complaint narrative:
See document attached

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am the holder of loans currently under the management of the Nelnt student loan servicing company. Upon my application for enrollment in the " Saving on Valuable Education '' plan, I received information that substantially deviates from the guidance provided by the official studentaid.gov resource. My attempts to establish contact with the company via telephone have been obstructed by severely constrained operating hours and excessively protracted wait times, rendering any meaningful engagement with them practically unattainable. 

I kindly request a detailed comparison of the interest subsidy description outlined in the attached screenshot against the corresponding information available on the official website at https : //studentaid.gov/announcements-events/save-plan for the purpose of addressing these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2023 got approved for a Wells Fargo XXXX Credit Card, I received the card after 6 days with 2 blank checks for the Balance Transfer offer so i used the first check and paid the amount back on XX/XX/2023, and wrote a second check and deposited in my wells fargo Checking Account # XXXX, then called the customer service on same for inquiry how long takes to payment posted in my credit card before depositing the check in my checking to do a balance transfer from credit card Ending XXXX to my checking Account # XXXX so the payment posted in my credit card on XX/XX/XXXX, and i wrote the check and deposit on XX/XX/2023 went to the branch on XX/XX/XXXX, to withdraw the money with no issue Later on the bank returned the check for no reason and charged my checking account for overdraft fee {$35.00} plus the negative amount of the returned check from my Wells Fargo credit card the bank all the car is, i have to pay the negative balance plus overdraft fee i will never do that, won't take any action of my side let this worst bank in the USA close the negative account and i will file a dispute with XXXX and XXXX XXXX i'm attaching all the docs to show the dates didn't do anything wrong in this transaction but this scam bank all they want charge me an overdraft and tried to convince me its was my fault

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
Consumer complaint received 2023-09-07 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: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN

Complaint narrative:
15 U.S code 1682 c-2, a consumer reporting agency shall block the reporting of my information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, no later than 4 business days after the day receipt. You are a violation of this law because I am a victim of identify theft! Please delete these items INMEDIATLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: LA

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Accounts & Advisers, Inc.
State: MN

Complaint narrative:
I received a demand letter for a payment for a medial expense that I paid. I went into the portal, printed the documented payment and sent the payment information with a copy of the demand letter to the company. Months went by. I assumed all was taken care of until 8 days ago I was sent another letter which suggest that legal action could/would be taken. I called and was sent to someone other then the person on the letter. I was told to submit everything via email which I did as requested with an attachment of the paid invoice with a request that they confirm the receipt and the I told them if I did not hear from that the matter was cleared up I would file a complaint. 7 days later, I received a very odd phone call from them today, so I called back and was told about the dept and it needed to be paid. I was angered to say the least. I told him I sent documentation and he acted as if he received nothing. I pressed the issue and in a very unprofessional manner, XXXX hung up on me. This is the only recourse I have left.

Company response to consumer: Closed with explanation