vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-24 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: TX

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, XXXX, and Experian. 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 explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please find attached, CFPB Complaint ID : XXXX, Subject Property : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX dated XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/22 I went to the Wells Fargo branch in XXXX DE to close an account. There were two employees at the desk ( XXXX XXXX was the main employee ). They stated they could not close my account because they needed to stay at the teller desk despite the fact that I was the only customer in the branch. They recommended I come back another day or visit another branch. I'm not sure why they have a branch with two employees if they are unable to serve customers. VERY FRUSTRATING. 

I stated I would just write a check for all the funds instead of closing. The employees then stated that they'd " hate for me to be charged all those fees if I didn't have the minimum balance '' ... kind of seems like a threat.

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 2023-11-24 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: NY

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD Bank : A payment was made in the amount of {$1000.00} per an telephone agent assuring me that this payment would not be deemed as late and later I found out it was. This was the only payment in my payment history with them that was ever reported late and it was hurt my credit score immensely. I wrote them a letter on XX/XX/XXXX asking them to remove the late payment from my credit report, especially due to the peak of coronavirus pandemic.I sent the letter Certified Mail and it was received by TD Auto Finance on XX/XX/XXXX with no answer back to my letter. I tried to dispute this through XXXX XXXXXXXX XXXX with no answer back from TD Auto due to closed account. I am asking for the removal of the late payment from my credit report. due to my exceptional payment history which is a wonderful indicator of my credit worthiness and this payment should have never been deemed late due to the information given to me by the telephone agent who took the payment. 

XXXX XXXX XXXX XXXX : One payment has been deemed late and dated to XX/XX/XXXX. I have been a XXXX XXXX XXXXXXXX customer for over 15 years ( mortgage and cars ) and this is the only late payment that I have with them. I also sent them a letter dated XXXX XX/XX/XXXX via certified mail and I never heard back from them. I am asking for this erroneous late payment to be removed from my account. When I contacted them via phone on XX/XX/XXXX, they stated that this account has been closed and there is nothing they can do, Because of my exceptional payment history, I am asking for this erroneous late payment to be removed from my account, especially during the peak of the coronavirus pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: GA

Complaint narrative:
I got scammed online by a company pretending to be XXXX XXXX XXXX XXXX, I didnt actually see that anything was purchased, but the funds came from my account... I've been trying to locate the fraudulent company, but I'm not finding anyways to contact them, everything is telling me to ask my bank for a refund.. my bank keeps telling to go to the merchant, when there is bo merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XXXX XXXX there were XXXX hard inquiries on XXXX. 

I called XXXX. The XXXX hard inquiries were related to my victorias secret master card. Comenity bank vsmc XX/XX/2023 XX/XX/2023 XXXX XXXX shows no information on their end that would lead to hard inquiries or fraud behavior. No new accounts in my name. Nothing in other regions. No requests for increases. No changes in account that would lead to hard inquiries. The account is active. 

Called XXXX back to tell them this. They said there is no mistake for the process leading to hard inquiries. They asked who I spoke to. I said I spoke to both disputes and fraud from the number on the back of my card. They said the hard inquiries through comenity bank XXXX  was for this number : XXXX and to contact them I call back comenity bank to ask if that number is associated with them or anything related to my accounts. The said it was not associated with them in any way. 

After some back and forth between XXXX and XXXX, setting up fraud alert and security freeze I called the number ( number protected ) XXXX to see what this number is associated with. The call rings repeatedly then says, " call busy '', gives the busy tone and ends automatically. 

Because the number is not associated with comenity, is on the XXXX report, is able to pull hard inquiries but isn't an official business contact number this is fraud. I don't know if my identity is safe. My information is clearly accessible. And it's at a level that XXXX and my credit card company are also confused. Please look into this phone number and how this could happen. Also, if the hard inquiries are related to something we aren't seeing at this time. We obviously aren't seeing the whole picture but something is here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I caught suspecious transactions on my account. One on XX/XX/XXXX by XXXX that is {$360.00} and the other on XX/XX/XXXX by XXXX XXXX hotel that is {$580.00}. I confirmed that both of transactions wasn't authorized by me. I reached out to the fraud department of Truist ( my bank ) about these two transcations, and they are refusing to refund due to the same pattern of transaction. One of the specialist in fraud team confirmed that I've never bought any products/ services from XXXX XXXX hotel . Also confirmed that I haven't bought any products from XXXX for about 3 months. I reached out to those two merchants to inform those transactions were fraudulent. I got a name of individual who reserved the room at XXXX XXXX hotel using my card information. I also talked to XXXX customer service about these transaction. XXXX says that the payment didn't go through, so the order is in still pending process, but they still charge me {$360.00}. I told all these information to the fraud department, and they said they are closing the case due to a large amount of cases. They are refusing me to help me, and defending the active criminal who still try to use my card information.

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 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Auto Finance account has inaccuracies on the date these accounts were open on and closed across the XXXX and XXXX bureau. According to the fair credit reporting act I have the right to dispute any inaccuaries placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I enrolled in automatic drafts to pay my credit card. The drafts stopped and I was charged XXXX fee XX/XX/2023 This is not the first time I have had a problem with capital one charging me fee 's. It's to the point, where I want to close all my accounts. 

They can see my checking and know that I am on a fixed income due to have a XXXX XXXX child.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Recovery Services, Inc.
State: IN

Complaint narrative:
The collector by the name of XXXX XXXX called me on XX/XX/XXXX at XXXX XXXX  letting me know that my balance with XXXX  XXXX has been sent to them for {$2100.00} she did not disclose any mini XXXX XXXX I asked her why I never received notification by mail from Southwest Recovery Services and she told me that they do not send out notices. She offered to email me the letter and I told her no but since I was driving I told her will call her back once I came to a safe place to stop. I did call her back on XX/XX/XXXX at XXXX XXXX  and advised her I will set up a payment plan for {$50.00} a month using my bank account and when I get more money I will pay more she refused to set up the payment plan and she demanded over {$100.00} a month I told her I have a XXXX XXXX XXXX XXXX  that Im also taking care off. She refused and said XXXX will get me fired and my XXXX will be revoked and she was very rude at the end of the call and she hung up I did try to reach out to her manager the information she gave me was XXXX XXXX XXXX. Called the number left a message requesting a call back on XX/XX/XXXX at XXXX XXXX. When she send me the mail the sender emailed was XXXX and name was XXXX XXXX. Today she called me same way no mini XXXX I adv her still waiting for her manager to return my call since she refused to accept to set up a payment plan of {$50.00} a month she got upset and said I will lose my XXXX license she was verbally abusive the first time I spoke to her and today when she called around XXXX XXXX  XX/XX/XXXX after she hung up I call her manager and left a detailed message with my case number a few minutes later she emailed me to say I refused to pay and will document the account as a refusal to pay and she demanded full payment via email by XX/XX/XXXX. Im so stressed about this cause Im not refusing to pay all I want is to set up a payment plan to pay this debt off just I do with my other bills but they making it so difficult to a point where Im getting a mental breakdown.

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 2023-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Mr. Cooper is refusing to correct their mistakes concering my mortgage transfer. They are using deceptive practices. We are a new customer to Mr. Cooper and we were impacted by the cyber security attacke one day prior to our first payment being due. Mr. Cooper 's website and all online notifications, and a communication via mail ensured that we would not incurr late charges and that this would not impact our credit score.

The latest communication from Mr. Cooper ensures that we will continue to receive foreclosure notices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24 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: CO

Complaint narrative:
On XXXX XXXX there were XXXX hard inquiries on Equifax. 

I called Equifax. The XXXX hard inquiries were related to my victorias secret master card. XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 XXXX XXXX shows no information on their end that would lead to hard inquiries or fraud behavior. No new accounts in my name. Nothing in other regions. No requests for increases. No changes in account that would lead to hard inquiries. The account is active. 

Called Equifax back to tell them this. They said there is no mistake for the process leading to hard inquiries. They asked who I spoke to. I said I spoke to both disputes and fraud from the number on the back of my card. They said the hard inquiries through XXXX XXXX XXXX was for this number : XXXX and to contact them I call back XXXX XXXX to ask if that number is associated with them or anything related to my accounts. The said it was not associated with them in any way. 

After some back and forth between Equifax and XXXX, setting up fraud alert and security freeze I called the number ( number protected ) XXXX to see what this number is associated with. The call rings repeatedly then says, " call busy '', gives the busy tone and ends automatically. 

Because the number is not associated with XXXX, is on the equifax report, is able to pull hard inquiries but isn't an official business contact number this is fraud. I don't know if my identity is safe. My information is clearly accessible. And it's at a level that Equifax and my credit card company are also confused. Please look into this phone number and how this could happen. Also, if the hard inquiries are related to something we aren't seeing at this time. We obviously aren't seeing the whole picture but something is here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I have XXXX $ initial deposit XXXX $ of interest stuck in a Citizens Access Account. Without giving me any information, Citizens has removed my ability to extract my money, or close my account. 

XX/XX/XXXX : Opened Citizens Access Savings Account, transferred XXXX $ as an initial deposit from my XXXX XXXX XXXX XXXX ( Direct Debit Payment ). 

XX/XX/XXXX : Tried to deposit more money into Savings Account. Error " Sorry, we can't schedule your transfer right now. Please try again or give us a call at XXXX. '' I called the number. They told me that they have terminated the account, without giving any more information. I had not received any notice of the cancellation via email or post, and have not to this date. I did not follow up, thinking theyd just transfer back my money eventually, which wouldve been fine with me. 

XX/XX/XXXX : No transfer has occurred. The account is still accessible via the online portal, but I can not extract any funds. I called XXXX again, wanting to close the account myself. They told me again that they have terminated the account ( without more information why ). They told me to transfer out the money I need my own bank to send a ACH Reversal Request or a Hold Harmless Letter. I contact my bank ( XXXX ). XXXX can not reverse the ACH transaction ( since its 4 months old at this point, and the transaction was valid ). XXXX has no clue what a Hold Harmless Letter is, and they can not send it. To further complicate matters, XXXX has switched their XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) so my XXXX XXXX  XXXX number has changed. I added my XXXX XXXX account as the link account to the Citizens savings account. 

XX/XX/XXXX : No transfer has occurred. I called Citizens again, telling them that my bank can not send these letters, as its not possible. Citizens can not give me more information. 

XX/XX/XXXX : Called again, same outcome. I was told they're opening a ticket and will call me back. 

XX/XX/XXXX : They call me back, just to give me same information that I've been told before, about the ACH reversal / hold harmless letter, and without any information as to why my account was frozen. I checked Citizens document center and found a notice of account freeze dated to XX/XX/XXXX ( notably, the freeze is dated before the notice of account details, which I received XX/XX/XXXX ).

Company response to consumer: Closed with explanation