vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or misleading advertising or marketing — 
Company: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
Bursey & Associates , P.C . 
XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX To Whom It May Concern, I am writing to formally request the immediate return of a payment made to your firm for services that I never received. Despite multiple efforts to resolve this issue, I have not been provided with the service in question, and as such, I am requesting a full refund of [ XXXX ]. 

Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for debt collectors to mislead consumers or to collect payments under false pretenses. Failure to refund my payment will leave me no choice but to pursue legal action, including but not limited to filing a lawsuit for the recovery of funds and seeking damages for any undue stress caused by this situation.

Please respond to this letter within 14 days to confirm the refund or to arrange a time to discuss this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing a complaint about the reporting of late fees on my credit report by Navy Federal Credit Union. I have reviewed my account and records and have identified that there has been a breach of my consumer rights under federal law, specifically concerning the sharing and reporting of my financial information without my explicit consent. Upon investigation, the following issues was noticed, 1. Unauthorized Reporting of Late Fees : Late fees were reported to the credit bureaus without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ).

2. Violation of Permissible Purpose : Under the FCRA ( 15 U.S.C. 1681b ), there must be a permissible purpose to report any consumer information to credit reporting agencies. I never provided express consent or authorization for such actions in this context.

3. Negligence in Proper Communication : Under 15 U.S.C. 1681s-2 ( a ), creditors, including Navy Federal , are required to ensure the accuracy and integrity of information they provide to credit reporting agencies. The late fees reported were inaccurate and unfairly damaging to my credit standing.

4. Failure to Notify and Obtain Consent : According to the Consumer Financial Protection Bureau ( CFPB ), credit institutions must notify consumers if there are any adverse actions regarding their credit. I was never notified, nor did I sign a consent form to allow this reporting of late fees.

This unauthorized reporting has caused significant damage to my credit score and financial well-being. I am requesting immediate action to remove the reported late fees from my credit report, cease any future reporting of late fees or any other financial information unless proper consent is obtained, and provide written confirmation that this issue has been resolved within 30 days of receipt of this letter, or I will escalate the matter by filing a complaint with the Federal Trade Commission, and considering legal action under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: PA

Complaint narrative:
I have contacted the Creditor and also contacted Equifax to perform a thorough investigation into this matter. I have notified this creditor that I dispute this alleged account. The creditor sent me a letter and stated that per my request the account would be ceased but this account is still currently reporting to my Equifax report. It was deleted and then reinserted again, which is a violation per the letter that was received. Please remove from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo did not permit me to do a wire transfer ftom abroad through the app or on their website. I called 15 times over 2 weeks and got nothing but promises and excuses. I had to fly to US in order to access my funds.

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 2024-10-18 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: NC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$36000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry 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 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, I made a payment on my credit card with XXXX XXXX  for {$1400.00}. The payment was scheduled to be withdrawn from my paypal account. On XX/XX/year>, my credit card account charged me a returned payment fee of {$41.00} and reversed the {$1400.00} payment. I didn't understand why this happened because there was more than enough funds in my PayPal account to cover this transaction. After reaching out to PayPal, I was informed that the ability to allow external account to withdraw money via ACH needs to be enabled within the PayPal app. I was never made aware when I opened the account that this was even necessary. I've had many deposit accounts and never had to enable a feature to allow ach withdraws. 

I've contacted PayPal about this fee and provided the documentation that I attached for resolution, but have not heard back from them. It's appropriate for PayPal to reimburse me the {$41.00} fee that I was charged due to this glitch with their app

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: CA

Complaint narrative:
I'm getting inquieries from a lot of companies that i do not know, and i never had any contact.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Negative Items on Credit Report Due to Equifax Data Breach Dear Equifax Dispute Resolution Team, I am writing to formally dispute inaccurate information on my credit report due to the data breach that occurred at Equifax. The breach has caused significant harm to many consumers, including myself, and has resulted in negative items appearing on my credit file that are not reflective of my creditworthiness. I have recently obtained a copy of my credit report, and I have identified the following negative items that I believe are a result of the breach : XXXX XXXX with account number XXXX For it is causing undue harm to my credit score and is a direct result of the vulnerabilities exposed during the Equifax data breach. Under the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I reached out to this company, but they have no information on me and that they sold my personal information to a collection Agency called XXXX XXXX. 

Isn'tthis considered identity theft? I ask that you complete your investigation and provide me with your findings in writing within the timeframe required by law.

Please delete this account from my credit report.

Thank you for your attention to this serious matter. I appreciate your timely response and assistance in helping me resolve these inaccuracies.

Sincerely, [ XXXX XXXX ( if sending a hard copy ) ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
citizens bank is manipulating charges to charges overdraft and sending my credit payment back that was there before the fees this happen on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: SC

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-10-18 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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UPGRADE, INC.
State: MA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I opened a checking account on XX/XX/year>. The bonus " XXXX '' terms were that I would receive {$100.00} for every month in which I had an employer 's {$1500.00} direct deposit to the account, for up to 5 months. I completed these requirements for XXXX, XXXX, XXXX, but have not received any bonuses. The bank claims that the bonus was never applied, however, I entered the code on the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Wise regarding an intrusive and unnecessary request for personal information related to my recent transfer. On XX/XX/year>, I received an email from XXXX at Wise ( reference payment : XXXX ), requesting additional details about the purpose of my transfer, whether the transaction was one-time or recurring, and a payment schedule if applicable.

Furthermore, they asked for sensitive personal information, including my occupation and the name of my employer, within 2 working days. While I understand that Wise is a regulated financial institution, I believe this request for extensive personal data exceeds what is required for this transaction, especially given that Wise has previously processed similar payments without such requests.

I am concerned that this demand for sensitive details, including my employer 's name and specifics about the payment schedule, infringes on my privacy. It also creates an undue burden, as I am unable to understand how this information is relevant to a straightforward transfer. Additionally, I feel that this requirement has caused unnecessary stress and could interrupt my ability to conduct essential transactions.

I request the CFPB to investigate whether Wise 's data request aligns with relevant financial regulations and customer protection standards, and to ensure that customers like me are not subjected to unnecessary or invasive requests without valid justification.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation