vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NC

Complaint narrative:
I on XXXX XXXX  I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXX XXXX XXXXXXXX XXXX XXXX/ and Fair Collection & Organizations . Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXX, nc XXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I open a checking account with trust bank on XX/XX/2023 I deposited my tax return check in the amount of {$25000.00} had no issues at first I was able to take some of my money out of the account until the check cleared which was on XX/XX/2023 the day it clear I tried to send money for a car purchase link with my checking account to my cash app account a they closed my account said it was flagged for fraud but I wasn't I told them it was me that tired to send the money in my account I have overXXXX left that they won't return to me they keep saying it's under review it's been over two months I even sent them a copy of my tax transcript and I still haven't heard anything from them

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo closed my checking account ending in XXXX without my permission or knowledge. This is a XXXX account I have had for over XXXX years. I have contacted Wells Fargo and they could not reopen the account stating that I needed to open a new account If I want.

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
WIFE DIED XX/XX/2020. THESE ACCOUNTS WERE UNKNOWN AT TIME OF DEATH. WHEN XXXX WAS MADE AWARE, HE PAID OFF ALL ACCOUNTS, CONTACTING ALL CREDIT CARD COMPANIES AND INFORMING THEM WIFE IS DEAD AND ACCOUNTS NEED TO BE CLOSED. 
PAYPAL, SUBDIVISION OF SYNCHRONY BANK, SAID THEY CLOSED THE ACCOUNTS. THEN WHEN A RENEWAL AMOUNT ARRIVES, UNKNOWN TO XXXX, THE PAYPAL ACCOUNT IS REACTIVATED AND THE BILL SENT TO XXXX. HE IS NOT RENEWING ANYTHING, AND HAS CONTACTED EVERYONE HE CAN FIND TO CLOSED AND CANCEL. BUT PAYPAL REFUSES TO BELIEVE SHE IS DEAD AND CONTINUES TO HARRASS WITH ADDITIONAL BILLS. 
YESTER ANOTHER BILL ARRIVED AFTER WE CONTACTED THEM AND SENT ANOTHER CERTIFIED LETTER CONTAINING THE CERT COPY OF DEATH CERTIFICATE TO THEM, REQUESTING PAYMENT FOR A NEW CHARGE. 
NO ONE WILL ACKNOWLEDGE THE PREVIOUS PERSON HE SPOKE WOTH EVEN WORKS THERE, AND THE BILLS KEEP COMING. NOW WHAT DO WE DO?

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I've been a victim of fraud, as well as money being stolen out my account due to no account security and bank failure to deactivate bank card after activation of a new card due to first one being lost

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have 3 Accounts that do not belong to me on my Experian credit report. Companies have not provided me with a wet signature or contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  those accouts does not belong to me

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 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Have a loan with a principal balance of {$2500.00} with an interest of 5.500 % which should be accruing interest at about {$11.00}. It is growing by close to {$25.00} a week. When looking at payment history, it is not being shown as they are simply taking off from the principal as I'm paying within 120 days of disbursement. I have sent XXXX emails and sat on the phone for XXXX XXXX  straight one more and then again over a week later. After the payments were made I got an email saying that the payment would be processed differently. Every payment I made led to a confirmation email with my most recent one saying I paid for that specific loan on XXXX, but the Nelnet website says that my last payment was XX/XX/11. I have not been able to get into contact with anyone and have been paying too much money to keep that interest low so it doesn't continue growing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hard Inquires for new credit were done on my credit report without my consent, I didnt approve for any of this, someone have being using my information for fraudulent purposes. 

The this of companies or banks that were use to request this credit/loans 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 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hard Inquires for new credit were done on my credit report without my consent, I didnt approve for any of this, someone have being using my information for fraudulent purposes. 

The this of companies or banks that were use to request this credit/loans 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 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 2023-11-14 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-14 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:
I pulled my credit report from Experian and an unauthorized account from XXXX XXXX  XXXX reporting in the amount of XXXX. I have contacted the company via certified mail for verification and validation bearing my signature of this account that was signed and delivered on XX/XX/2023. EXPERIAN has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2023 and no response. Due to the lack of communication, I then contacting EXPERIAN regarding this account and they have yet to provide any validation and verification bearing my signature regarding this unauthorized account. XXXX XXXX, XXXX, Experian did not honor my request of validation ; yet the credit file under my social security number has been marked as verified. This entry must be DELETED from my credit file.

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 2023-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I was in a XXXX  partnership with someone at the time of the acquired debt and they received a brand new electronic device in the form of a laptop and I was wondering where she got the money for it. Now Im receiving the debt of the laptop so she went behind my back and stole my personal information too acquire the laptop in the form of an internet loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-14 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello, My name is XXXX XXXX, and I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and did not request the described inquiries. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can.

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had an unauthorized charge every month for XXXX since XXXX and a charge of XXXX. They were pretending to be my XXXX XXXX servicer. I contacted my bank XXXX that I did not authorize this because it was fraud and they responded to the claim telling me that since they provided my social security number and street address that I did infact authorize it and there was nothing else they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Finmax Smart Capital LLC
State: AL

Complaint narrative:
XXXX ( XXXX ) Account XXXX Originally XXXX XXXX XXXX XXXX XXXX  The above collections agency keeps texting indicating that they need contact information for me and calling my family members when they have already talked to me. They have called at least three of my family members providing my personal business information and indicating that I would be sued. This is embarrassing and unnecessary when the company has already made contact with me directly. At this time, I am requesting that all contact cease regarding the alleged debt. I do not want to be contacted nor do I want my family members contacted again. I was told by XXXX XXXX that no one can stop them from calling and the calls will continue after I requested that me or my family members not be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Again I froze my credit report with XXXX early XXXX which they complied within seconds I then requested them to unfreeze my account a week later they said I needed a PIN number that they sent prior but I never received it so I requested another PIN number at which time they told me I have to file additional information to even receive a a request form to even request my pin to be mailed at which time I sent in my social security number and id they sent the request form I filled it out requesting that a new PIN number be mailed to me o never received it so I called numerous times trying to check and see when it would arrive and I may have made over 5 calls tracking the PIN number at which time they kept telling me its in the mail and takes 10 business days and I still havent received it then I made another call and they read me a script sayin that Ive requested my pin more times than usual and something about what the policy is those calls I made I just wanted them to track the mail and see why I havent received my PIN number after numerous attempts I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've been a victim of fraud, as well as money being stolen out my account due to no account security and bank failure to deactivate bank card after activation of a new card due to first one being lost

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
Square UP located in XXXX XXXX XXXX, XXXX XXXX PLEASE KEEP IN MIND I DONT HAVE A MERCHANT ACCOUNT THROUGH SQUARE< THEY ADVERTISE AS A BANK FDIC XXXX AND PAYROLL SERVICES. IMAGINE STARTING A BUSINESS AND OPENING A CHECKING ACCOUNT AT XXXX XXXX XXXX  AND PAYROLL. THEN THEY NOTIFY YOU THE NEXT DAY WE DONT DO TRAVEL AGENCYS BUT WE ARE KEEPING YOUR MONEY FOR 90 DAYS. 

Square UP located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX agressively advertises its new payroll and bank check services. I signed up for this service XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and seeded the banking account with approximately {$700.00} of our own money. They then contacted us said our account was suspended and they are keeping our funds for 90 Days. PLEASE KEEP IN MIND I DONT HAVE A MERCHANT ACCOUNT THROUGH SQUARE< THEY ADVERTISE AS A BANK FDIC INSURED AND PAYROLL SERVICES. IMAGINE STARTING A BUSINESS AND OPENING A BANK ACCOUNT AT XXXX XXXX XXXX. THEN THEY NOTIFY YOU THE NEXT DAY WE DONT DO TRAVEL AGENCYS BUT WE ARE KEEPING YOUR MONEY FOR 90 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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