vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX i deposited a check in my account this will be the from the same issuer diff amount from a previous check that was cashed. XX/XX/XXXX citi bank recieved the funds in my account. They have been sending me back n forth from customer service to the branch just to get answers. Now my account is in process of being closed and no letter or explaimation why. They will not release funds. Citi bank is requesting the issuers bank to request the funds from citi bank. The issuer stats its not there issue because citibank has clearly cashed tbe check. I have not beem able to get this resolved. Its an emergency im homelesa and my kid neeesds to get to school.

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 2024-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo is playing con games and is refusing to except the {$50000.00} Grant by the State of Pennsylvania. And is lying and trying to take my property despite mortgage payments being paid. But then lies by claiming that they never received the payments. And then are refusing to speak with me despite them receiving the authorization to do so. Please see the attachment. And then I gets a letter from XXXX XXXX by claiming that I didnt send any documents. However they never requested any documents from me. Then currently Ive paid over {$22000.00} to the Trustee and Wells Fargo. And this {$22000.00} would get me out of debt and foreclosure. However Wells Fargo is displaying racial and vindictive behavior and Ive been unable to reach XXXX XXXX. Then Im getting constant different amounts to whom whats due on the rear of the loan and by way of recorded conversation by the Preservation Department they stated {$22000.00}. However they lied and refused to send me the document confirming this. Then there was some Federal Criminal Forgery that was done by my Step Father XXXX XXXX but theyre covering up for him in which makes them guilty as well. Also since Ive already been approved for the mortgage assistance from the state of Pennsylvania. Why are they selfishly trying to get me to apply for a load modification in which will the rate would be much higher than it is now

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 2024-12-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
Iowa Student Liquidity Corporation has filed a lawsuit against myself for monies that I do not legally owe them. They are charging me both capped and uncapped interest on two loans that they say I still owe them for. These loans originated in XXXX and XXXX. They were required to put these loans into forbearance until XXXX when I was officially finished attending XXXX XXXX. I went back to school in XXXX but doubt these were put into deferment then. This company also refused to the loans into forbearance during the XXXX years of XXXX that the federal government required that all students loans be put into deferment stating that they were " not a federal entity and did not need to comply by the rules. I have been XXXX for that last XXXX years and the company knows this and has not put the loans back into any type of deferrrment. 
More importantly here were the first XXXX points made at the beginning of this complaint. 
This company has been charging both capped and uncapped interest on these remaining two loans that that I have through them ( I had paid off 4 previous loans to them already and were they utilizing these same practices during those times ) and also charging me additional principal to at least the two loans they are naming in the lawsuit they have filed against me, a practice that is not even legal. Again to how many other loans that I took out with them and had paid off did they do this to. I will provide actual copies of the proof of this where I am able to attach the documents as I have been unsuccessful at being able to copy and paste this informarionn over to this box.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Someone open a credit card under my name at capital one ( Walmart ) with everything matching accept the address I had called multiple times to resolve the issue and also explained to them my situation I also have a complaint filed with the department of Agriculture regarding this issue, and a police report that was filled online. 
I need this issue resolve as soon as possible is COSTING ME AN ISSUE WITH MY NEW MORTGAGE TRYING TO MOVE TO A NEW HOUSE AND HAVING DIFFICULTIES WITH MY CREDIT SCORE DUE TO THIS SITUATION. I also have a XXXX XXXX credit card open under my name as a result of fraud I have reach to them multiple times as well the close my account but still showing on my credit report I would like that removed as well. I will attach the home depot letter stating of the fraud and also a letter of the department of Agriculture.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Statement Regarding Fraudulent Account with XXXX XXXX To Whom It May Concern : I am writing to formally address the fraudulent account under my name reported by XXXX XXXX. I have repeatedly requested that this account be removed from my credit report as it was opened fraudulently and without my consent. 

To resolve this matter, I have submitted all requested documentation multiple times, including : Social Security card Passport Drivers license Lease agreement A letter from the Federal Trade Commission ( FTC ) A police report filed in connection with the identity theft Despite providing this evidence, XXXX XXXX has not resolved the issue. Although the account was temporarily removed from my credit report, it was subsequently re-added. I have called XXXX XXXX numerous times over the past 60 days to seek a resolution. Instead of properly addressing the fraudulent nature of this account, XXXX XXXX offered me a settlement option of {$660.00} to close the account. I find this unacceptable as I should not be held financially responsible for an account that was fraudulently opened in my name. 

I have also contacted TransUnion, XXXX, and XXXX to dispute the account and provided these credit bureaus with the same supporting documents mentioned above. I am working diligently to ensure the removal of this fraudulent account from my credit reports. 

I have involved my attorneys in this matter, and I reserve the right to pursue legal action if XXXX XXXX does not comply with federal laws, including the Fair Credit Reporting Act ( FCRA ). I demand that this account be thoroughly investigated and permanently removed from my credit report. Additionally, I request written confirmation of your findings and the actions taken to correct this issue. 

Failure to resolve this matter promptly may result in further escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this urgent matter. Please contact me at your earliest convenience to confirm receipt of this statement and to provide an update on your investigation. 

Sincerely, 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 2024-12-06 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Statement Regarding Fraudulent Account with XXXX XXXX To Whom It May Concern : I am writing to formally address the fraudulent account under my name reported by XXXX XXXX. I have repeatedly requested that this account be removed from my credit report as it was opened fraudulently and without my consent. 

To resolve this matter, I have submitted all requested documentation multiple times, including : Social Security card Passport Drivers license Lease agreement A letter from the Federal Trade Commission ( FTC ) A police report filed in connection with the identity theft Despite providing this evidence, XXXX XXXX has not resolved the issue. Although the account was temporarily removed from my credit report, it was subsequently re-added. I have called XXXX XXXX numerous times over the past 60 days to seek a resolution. Instead of properly addressing the fraudulent nature of this account, XXXX XXXX offered me a settlement option of {$660.00} to close the account. I find this unacceptable as I should not be held financially responsible for an account that was fraudulently opened in my name. 

I have also contacted XXXX, Equifax, and XXXX to dispute the account and provided these credit bureaus with the same supporting documents mentioned above. I am working diligently to ensure the removal of this fraudulent account from my credit reports. 

I have involved my attorneys in this matter, and I reserve the right to pursue legal action if XXXX XXXX does not comply with federal laws, including the Fair Credit Reporting Act ( FCRA ). I demand that this account be thoroughly investigated and permanently removed from my credit report. Additionally, I request written confirmation of your findings and the actions taken to correct this issue. 

Failure to resolve this matter promptly may result in further escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this urgent matter. Please contact me at your earliest convenience to confirm receipt of this statement and to provide an update on your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: WA

Complaint narrative:
Statement Regarding Fraudulent Account with XXXX XXXX To Whom It May Concern : I am writing to formally address the fraudulent account under my name reported by XXXX XXXX. I have repeatedly requested that this account be removed from my credit report as it was opened fraudulently and without my consent. 

To resolve this matter, I have submitted all requested documentation multiple times, including : Social Security card Passport Drivers license Lease agreement A letter from the Federal Trade Commission ( FTC ) A police report filed in connection with the identity theft Despite providing this evidence, XXXX XXXX has not resolved the issue. Although the account was temporarily removed from my credit report, it was subsequently re-added. I have called XXXX XXXX numerous times over the past 60 days to seek a resolution. Instead of properly addressing the fraudulent nature of this account, XXXX XXXX offered me a settlement option of {$660.00} to close the account. I find this unacceptable as I should not be held financially responsible for an account that was fraudulently opened in my name. 

I have also contacted XXXX, XXXX, and Experian to dispute the account and provided these credit bureaus with the same supporting documents mentioned above. I am working diligently to ensure the removal of this fraudulent account from my credit reports. 

I have involved my attorneys in this matter, and I reserve the right to pursue legal action if XXXX XXXX does not comply with federal laws, including the Fair Credit Reporting Act ( FCRA ). I demand that this account be thoroughly investigated and permanently removed from my credit report. Additionally, I request written confirmation of your findings and the actions taken to correct this issue. 

Failure to resolve this matter promptly may result in further escalation, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this urgent matter. Please contact me at your earliest convenience to confirm receipt of this statement and to provide an update on your investigation. 

Sincerely, 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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One has charged two hard inquiries to my credit report stating someone tried to open a card in my name the first time on XX/XX/XXXX and the second time XX/XX/XXXX. I called capital one and the credit bureau and tried to dispute this problem both times. i have put extra protection on my identity following this second time of this happening. On the credit site these were both filed under a incorrect name and phone number for me but still dinged my credit both times. I have never applied for a credit card nor do i have any in my name that i am aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 2024-12-06 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: LA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report due to a data breach incident. Under the protections provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following items be blocked and deleted immediately. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6600.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} Fraudulent Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 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: LA

Complaint narrative:
I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report due to a data breach incident. Under the protections provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following items be blocked and deleted immediately. 
Fraudulent Accounts : XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6600.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 2024-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Block and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear XXXX Disputes Team, I am writing to formally notify you that I am a victim of identity theft, which has resulted in fraudulent accounts being opened in my name without my consent. I request that all fraudulent accounts be blocked and deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ). 
The following accounts have been identified as fraudulent : XXXX XXXX XXXX XXXX To support my claim, I have included the following documentation : A copy of the identity theft report I filed with law enforcement agency, e.g., FTC , A copy of my government-issued identification for verification purposes. 
A copy of a recent utility bill to confirm my current address. 
I request that you : 1. Block all fraudulent accounts identified in this letter. 
2. Permanently delete these accounts from my credit report.

3. Notify any creditors involved about the fraudulent nature of these accounts. 
4. Provide me with written confirmation once the fraudulent accounts have been removed. 
I expect a prompt investigation and resolution of this matter, as required by law. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that my credit report has been corrected accordingly. 
Sincerely, XXXX XXXX XXXX : Copy of Identity Theft Report Copy of Government-Issued ID Proof of Address

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