vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On my first visit to the Wells Fargo XXXX location XX/XX/XXXX, I attempted to withdraw {$11000.00} from my account. I arrived around XXXX PM, provided all necessary information, and was told the funds were available in my account. A teller appeared unsure and called someone over to verify the transaction. I was asked to sit and wait. By the time XXXX XXXX  approached, the bank closed, and I was still waiting. During this time, a police officer asked what I was trying to do. I explained I was simply withdrawing funds already reflected in my account. Ultimately, I was told my funds would take XXXX  business days to clear, despite the balance already being visible. 

The bank suggested I withdraw {$2000.00} daily from the ATM instead, but I declined for safety reasons, as the area is not secure, and withdrawing in increments seemed unnecessary. I left feeling frustrated but decided to return the following week, as I had another check to deposit. 

On my second visit XX/XX/XXXX, I arrived earlier to avoid delays. I deposited {$25000.00} check and again requested to withdraw {$9000.00}. Despite the funds being available, I was subjected to another round of verifications. A teller recognized me from the previous visit, but a XXXX, XXXX XXXX, intervened. XXXX was dismissive, insisted on unnecessary steps, and loudly told me to leave the bank. When I asked for a valid reason why I could not access my funds, she refused to provide XXXX, claiming again that the withdrawal required XXXX business days for approval. 

I was humiliated as XXXX yelled at me in front of other customers and instructed the police to escort me out. I was not hostile, disrespectful, or disruptive. I simply stood firm on wanting access to my funds. 

To confirm this was not standard procedure, I went to another Wells Fargo location at XXXX XXXX, where I successfully obtained a {$21000.00} cashiers check without issue. This clearly demonstrates that my funds were available all along. Tracys actions were unnecessary, discriminatory, and unprofessional. 

I have been a loyal Wells Fargo customer for years and have never experienced such mistreatment. Her behavior was not only humiliating but also raises questions about fair treatment at this location. I am seeking answers and accountability for this experience. 

Banking Regulations These laws regulate how banks operate and ensure fairness, transparency, and accountability.

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 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
I am writing to express my frustration with the handling of an important transaction I attempted to process through my credit card by XXXX XXXX. The transactionrequired for a government applicationwas declined due to its being flagged as an overseas online transaction. 

While I understand and appreciate the need for fraud prevention measures, this decline caused my application to be denied, resulting in significant delays, financial costs in the upwards of over {$250.00}, and personal stress. At no point was I contacted regarding the decline, nor was I provided with an opportunity to preauthorize the transaction or resolve the issue in real time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-23 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: NV

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach and identity theft. 
Unauthorized accounts and inquiries have appeared on my credit report, which I did not open or authorize. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately. 
Unauthorized Accounts XXXX. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$770.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX. Desgn Rec Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$5700.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: NV

Complaint narrative:
I am writing to formally notify you that I have been a victim of a data breach and identity theft. 
Unauthorized accounts and inquiries have appeared on my credit report, which I did not open or authorize. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately. 
Unauthorized Accounts XXXX. XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$770.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$1700.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$5700.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$6200.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$310.00} XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX  XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2024-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed several inaccuracies and unverifiable items on my credit report, which I formally disputed under the Fair Credit Reporting Act ( FCRA ). The items in question include incorrect personal information, inaccurate accounts, collections, and unauthorized inquiries. I asked for proof of the accuracy and legitimacy of these items, including supporting documentation for the reported accounts, collections, and inquiries. I also requested that unverifiable items be removed and that I receive a hard copy of their findings and an updated credit report. 

Furthermore, I pointed out a concerning practice of issuing standardized form letters in response to disputes, which is not in compliance with the legal requirements of the FCRA. Under 15 U.S. Code 1681i, consumer disputes must be individually reviewed and processed. I stressed that I authored all correspondence and emphasized the legal obligation to act promptly on these disputes. Failure to address these matters in accordance with the law could lead me to seek legal remedies.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AE

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX - XX/XX/year> - Verify that these inquiries belong to me. - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.

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 2024-11-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: LA

Complaint narrative:
Pursuant to 18 USC 8, I owe no-debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report anything using my information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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:
I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries associated with my credit file. As a victim of a data breach, I have identified the following entries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these entries be removed from my credit profile. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Positive Accounts ( Do Not Remove ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX : {$290.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$310.00} XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief