vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 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: CL Holdings LLC
State: DE

Complaint narrative:
I am writing to express my concerns regarding the handling of my personal information by XXXX, XXXX, XXXX and ( Furnisher of information to credit agencies ). I believe that my rights as a consumer, as outlined in the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), are not being respected.

The Act clearly states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which mandates that each financial institution has an obligation to respect the privacy of its customers and protect the security and confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may furnish a consumer report only under specific circumstances : in accordance with the written instructions of the consumer to whom it relates. I have not given my consent, written or otherwise, to XXXX, XXXX or XXXX ( Furnisher of information to credit agencies ) to furnish this information. 
Furthermore, 15 USC 6802 ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. I was never informed of my right to exercise my nondisclosure option by ( Furnisher of information to credit agencies ). 
Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from making any consumer report containing any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. The account in question is an adverse item that is being reported without my permission, which is against the law. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Moreover, 15 U.S. Code 1681e mandates that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I believe that XXXX, XXXX and XXXX are not maintaining these reasonable procedures. 
Lastly, 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am hereby exercising my right to opt out of your reporting services.

I kindly request that you address these concerns promptly and ensure that my rights as a consumer are respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a XXXX transaction with Truist, my bank, in order to pay rent on an apartment I am renting in XXXX. I've done many XXXX transactions over the years. The transaction was for {$380.00}. 

The transaction was flagged for some reason, and I was instructed to call the bank, which I did. Several times. 

On the first call, I was on hold for over XXXX minutes. On the second call, the rep told me that she needed to send me a text message but that her system was down. When it finally came back up, she claimed to have sent me the text message, but I never received it. I received other text messages during the call, so the problem was indeed with their system. 

Apparently, you only get one shot to " verify '' via text message, and there is no other " verification '' alternative other than walking into a local branch, which was suggested to me FOUR TIMES even after I made clear I was out of the country. 

I finally spoke to a " manager '' a woman by the name XXXX XXXX. She reiterated that my ONLY alternative was to walk into a local branch -- again after I told her I was out of the country. Apparently, when there is one attempt to " verify '' an account, there can be no others. Or something. Who knows? This is " company policy. '' So, as a glutton for punishment, I called my local branch in XXXX, Florida, hoping someone there might be interested in cutting this XXXX knot. Whoever answered the phone at the local branch was actively hostile to the idea of helping someone over the phone. 

It appears there is no solution. Which is absurd. 

In the meantime, online access to my account has been irretrievably locked, and my bank has no process or procedure to unlock it. I AM OUT OF THE COUNTRY and need access to my banking information. I can pay my landlord by alternative means, but I need online banking while I am out of the country. 

This is a simple problem to solve.

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 2024-02-29 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: ID

Complaint narrative:
I am a victim of identity theft. I am writing 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.

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 2024-02-29 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: ID

Complaint narrative:
I am a victim of identity theft. I am writing 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/XXXX noticed that {$12000.00} was charged to our account through XXXX separate transactions beginning on XX/XX/XXXX. When calling to file the claim with Wells Fargo, the intake specialist had me add transactions that were further back than the 60 days that are allowed to have a transaction reimbursed to the consumer. When a specialist from Wells Fargo called and spoke to my husband, they alluded to the idea that the fraud might have gone back as far as XXXX of XXXX. They shared with him that while they would only cover the XXXX for reimbursement, that adding it to the claim would be a good idea. Unfortunately, a couple of those transactions happened to be valid. Because the valid transactions were part of the claim, the whole claim was denied. Even the funds that were fraudulently charged. 

We received that notification on XX/XX/XXXX. When I called to speak to escalate the claim, I was told that it is what it is and we would no longer be able to claim any of the transactions as fraudulent. The agent, XXXX, even had the audacity to say that she assumed my husband was an adult of sound mind and could approve those transactions to be added to the claim. 

I spoke with XXXX XXXX, which is where the transactions were all processed, and they verified that the transactions that started on XX/XX/XXXX were not us. The names on the tickets that were issued were not ours and it was clearly fraudulent activity. But the request for the return of the funds had to come from XXXX through Wells Fargo. 

On XX/XX/XXXX, I filed a police report with XXXX XXXX XXXX XXXX regarding the fraudulent activity. 

On XX/XX/XXXX I once again spoke an agent at Wells Fargo who confirmed that they did not even send the fraud transaction information to XXXX because their internal investigators denied the initial claim. 

We are out {$12000.00} and have no recourse to get those funds back per Wells Fargo. Any help you can provide would be greatly appreciated.

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 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I received a phone call from XXXX XXXX XXXX on behalf of a company called Vellocity XXXX regarding an account from XXXX XXXX. I have never received any mail or certified mail of any attempts to collect any monies the company claims I owe them, a person from the agency advised me she was calling on their behalf because of my " debt '' as they claim I owe them is in pre-legal status and they wanted to see how would I want to proceed and resolve this before it goes to lawsuit. I questioned the debt collector and informed them I was not aware of any collection efforts by Velocity or anyone regarding this matter she informed me they could do a settlement of the debt for XXXX dollars I advised I for one did not have that kind of funds nor did have proof that It was my debt I was coerced into paying them XXXX USD for a potential settlement of XXXX USD I then did more research and found out this was a clear coercion tactic to get me to settle for something I was never notified nor was I able to request to validate. my rights were violated by velocity investments LLC

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 2024-02-29 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: FL

Complaint narrative:
I Sent my letter off on ( XX/XX/2024 ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The XXXX XXXX XXXX XXXX XXXX send an attach file of my ID and a paper from the original creditor stating ( notice of intent know to impose claim on security deposit ) which does not include any signature of mine in which you claim it does and it clearly doesnt. I would like to receive all paperwork from the original creditor that includes my signature. 

I would like to know who did they talk to. 
How did they complete this investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
I Sent my letter off on ( XX/XX/year> ). I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out. 

According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

The XXXX XXXX XXXX XXXX XXXX send an attach file of my ID and a paper from the original creditor stating ( notice of intent know to impose claim on security deposit ) which does not include any signature of mine in which you claim it does and it clearly doesnt. I would like to receive all paperwork from the original creditor that includes my signature. 

I would like to know who did they talk to. 
How did they complete this investigation.

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 2024-02-29 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: Affirm Holdings, Inc
State: RI

Complaint narrative:
An amount of {$1000.00}, is showing on my credit report. I never have this company or user to establish this accountthe company name is Afirm

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As a federally protected consumer, I am now opting out any and all authorizations. I, the consumer may have given you written, unwritten, verbal and non-verbally I am rescinding per 15 U.S Code 6802-6805 and is effective immediately and indefinitely. All Collections and Charge-Off is considered a certificate of indebtedness, meaning it is income and must be removed. It is illegal to report transaction history according to the IRS publication. I never authorized any company to share my private information with any third-party agencies and it is violation of my privacy rights under the Privacy Act of 1974.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Disputed an online purchase with TJMAXX my package came and I was missing items but billed for them. Have disputed with data of receiving package. They closed my first dispute saying TJMAXX wont refund me for items not returned? I couldnt believe their response?! Then Im sent info as to the closing of dispute with a picture of another item from the same order that was delivered and that I did not dispute from day one.

I reopened a 2nd dispute for same missing items and Ive been getting nothing but the run around from Syncrony Bank ( which is my TJMAXX CC Bsnk issuer ). There is no tab in site for disputes, you are to do it over phone, which Ive done since XX/XX/28 and have gotten no where. I was charged for the XXXX XXXX XXXX XXXX they were never shipped. Enclosed purchase and pics.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a {$50000.00} CD with Capital one. 
The account I had instructed to send the money upon maturity was closed, so at maturity they mailed a check. 
That is fine, however the check they mailed was a guaranteed funds/cashiers check, which is very dangerous to mail in the current environment. 
Most importantly, I NEVER RECEIVED THE CHECK IN THE MAIL! 
I followed their procedures to stop the check, fill out an affidavit, and ask for reissue. 
They are now saying I will get my money, AFTER DAYS.

1.Why did they send a cashiers check?

2.How do I know they sent a check-I never got it? 
3.IF THEY STOPPED THE CHECK, WHY CAN'T THEY REISSUE IMMEDIATELY, WHY DO THEY GET TO KEEP MY MONEY INTEREST FREE FOR 90 DAYS? 

IS IT REASONABLE FOR ME TO NOT HAVE {$50000.00} FOR 90 DAYS, WITH NO RECOURSE, NO VISIBILTY, NO WAY TO SEE WHERE THE MONEY IS, OR TO GET IT? 

MY CASE NUMBERS ARE Case XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: FL

Complaint narrative:
As a federally protected consumer, I am now opting out any and all authorizations. I, the consumer may have given you written, unwritten, verbal and non-verbally I am rescinding per 15 U.S Code 6802-6805 and is effective immediately and indefinitely. All Collections and Charge-Off is considered a certificate of indebtedness, meaning it is income and must be removed. It is illegal to report transaction history according to the IRS publication. I never authorized any company to share my private information with any third-party agencies and it is violation of my privacy rights under the Privacy Act of 1974.

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 2024-02-29 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: MD

Complaint narrative:
I am a victim of identity theft please remove this XXXX inquiry from my credit rep

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 2024-02-29 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2023 I was contacted by the person who ended up being the scammer. The reason almost 90 days has gone by is because I tried to fix this through my local bankm a waste of time. When this is all over I demand an apology from evberyone involved. I was contacted to purchase XXXX items that I had for sale on XXXX.I told the person they would have to pay me cash, but the person told me that was too much money for a cash purchase ( around XXXX ) so they proposed they would pay me from XXXX ( and I " believed '' him but I was scammed. I agreed so they told me they would send me XXXX money. but then the buyer said they had a XXXX business account That is the second fee in question. I was scammed again and since my XXXX was a personal account they could only pay me in XXXX at a time. so they would send me XXXX and I would send them back XXXX So the man ( with a mideastern accent ) sent me emails telling me how to send them the money. I filled out a XXXX for XXXX ( including fees ). the email said that if I wanted a XXXX business account they would help me get it. All of this was explained to me ( including to pay ( Friends and family ) By the way, I never received the XXXX promised, but I did send them XXXX ( XXXX agrees on the amount ) To get a XXXX business account, A fake email with the XXXX header was provided by the scammer. I was tryting to be nice [ that will be the last time i will be nice ]. I would send this XXXX person ( that was recommended [ this was a scam ] done through XXXX ) XXXX ( including fees ) and I would get money back into my account. The man told me what amount and to whom to send the money ( this was a fictitious amount [ a scam ) so I sent the XXXX to the man who I will name later So total I was scammed in the amount of XXXX. I told the story to XXXX with the fees and XXXX told me my bank had to agree and tell XXXX to reimburse me th money ( XXXX ). My bank told me XXXX had to reimburse me and XXXX told me they had to receive instructions from my " bank '' ( don't ever believe anyone like the clerks at my bank or at XXXX ). Neither happened which is why I am contacting you now. There may be detail missing because I had to type everything over, because your form would accept a copy of my documents. The XXXX representative even told me I would be reimbursed ( LIE ) don't ever believe a clerk.

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief