vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
on XX/XX/XXXX a unknown charge was authorized to the account ending in XXXX. I contacted Capital One Customer Service and was told I would need to have my debit card replaced. I explained that this is not a great time to have no access to money, so I will wait till the following week. The rep stated he was unable to do so, and cancelled the card anyway. I explained that I would need to have the new card expedited. He said it would take 3 business days. in the meantime, I attempted to use the other. features on the account, only to find out that those did not work either. I called several times between XX/XX/XXXX - XXXX. I was walked through every possible way there was in an effort to obtain funds. Each time nothing worked and I was told there was nothing they can do. Meanwhile, I was told several times the account does not have any security locks on it. 

XXXX received my debit card. attempted to activate it, and nothing. Contacted customer service and was told the problem would need to be expedited and would take an additional 25 days for it to get activated. 

I am currently in the process of trying to move due to an eviction. I have been unable to provide funds to the new place and am essentially left with nothing and will be homeless in a manner of hours. 

I would like to report Capital One Bank for their inability to provide a working and functioning process for obtaining funds. Why is it so easy for my information to get leaked and my accounts to get hacked, but they are unable to help the account holder manage their personal finances, This bank should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX My email on my account is XXXX On XX/XX/year>, I opened an account with BMO and got myself verified and made a deposit of XXXX from my XXXX XXXX  account to my BMO account. 



On XX/XX/XXXX twice, I got email that my account have been accessed through another device which I do not own. 

I felt that my phone has been compromised because there was an email link I clicked from a supposed BMO which I thought was from BMO On XX/XX/XXXX, I felt that my device has been compromised and I bought another device and got into my BMO account and noticed that all the XXXX dollars have been sent out unauthorized from XXXX to an unknown person. 

I did not give my login credentials to anyone. 

I spoke with BMO and reported this incident and raised issue about these transactions I was advised by BMO agent to change my device and I told the agent that I've gotten a new device, so the agent sent a form to my email which is known as " ID declaration form '' and took it to notary to sign and notarize it. 

I have been to notary 4 times to make sure I got the form correctly notarized and it was accepted by BMO. 

I later spoke with an agent and disputed the unauthorized transactions and a claim number XXXX was given to me. 

The agent walked me through various departments to verify me and I was asked to set a pass code which I did. 

The agent transfered me to different departments and said that a new account would be opened for me so that my funds would he transferred in and I was given this number XXXX to call for a new account to be opened for me, as the agent said that the phone number is the team in charge of new account opening when there is account compromise, but when I called, they refused helping me. I spent over 3hrs on the phone with BMO but no solution to my issue I requested to speak with the fraud department , but the agent told me that the fraud department can only speak with me after 3 days and assured me the fraud department would call me. 

From that day till now, the bank has not called me to resolve this matter and I feel the bank doesn't want me as their customer. 

After waiting so long for more than 11 days now without hearing from the bank on this as promised, I have no option than raising a complaint here as I hope the bank will sort out this matter. 

I have attached the notary ID declaration the bank asked me to do before they resolve this matter, which I did. I have attached the email of the unauthorized account access too showing that someone without my knowledge gained access into my account twice or more.

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 2024-10-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
After getting a notification, I found several inaccurate items. Under the 15 U.S. Code 1681e ( b ) reads " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-10-02 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: VA

Complaint narrative:
I am in the process of securing a mortgage on a second home. I have a broker. She sent me an email about opting out of credit bureaus pre screening. I didnt see it in time. Within 10 minutes of me seeing the email, the calls started. 37 on my cell phone in less than 24 hours so far, 4 calls on the home phone and at least 9 text messages. 

I have since researched this ridiculousness and have included my information on the opt-out website. It is only good for 5 years! I also checked my info on the do not call lists which I DID do years ago and my info isnt on the registry list! 

Unfortunately, my information has already been sold and Im livid. Im reaching out to my congressman and Senators. Im also reaching out to each credit bureau. This blurred line that allows them to sell my information is wrongand should be as illegal as it can be. 

Why is the onus to opt out on the individual?! They should only be allowed to have people opt-in.

I want the 3 credit bureaus to NOT be able to opt me in at their convenience. I shouldnt have to hunt them down to not sell my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: VA

Complaint narrative:
I am in the process of securing a mortgage on a second home. I have a broker. She sent me an email about opting out of credit bureaus pre screening. I didnt see it in time. Within 10 minutes of me seeing the email, the calls started. 37 on my cell phone in less than 24 hours so far, 4 calls on the home phone and at least 9 text messages.

I have since researched this ridiculousness and have included my information on the opt-out website. It is only good for 5 years! I also checked my info on the do not call lists which I DID do years ago and my info isnt on the registry list!

Unfortunately, my information has already been sold and Im livid. Im reaching out to my congressman and Senators. Im also reaching out to each credit bureau. This blurred line that allows them to sell my information is wrongand should be as illegal as it can be. Why is the onus to opt out on the individual?! They should only be allowed to have people
opt-in.

I want the 3 credit bureaus to NOT be able to opt me in at their convenience. I shouldnt have to hunt them down to not sell my info.

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee XXXX percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not XXXX  % correct and I demand them to be REMOVED immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Approximately one ( XXXX ) year ago, I submitted a complaint to the CFPB regarding Wells Fargo 's incompetence in correctly paying my annual fire & liability insurance policy premium ( see complaint # XXXX ). After weeks of doing Wells Fargo 's work, and filing a complaint with CFPB, I was finally able to get Wells Fargo to pay the insurance premium from my escrow account as they are supposed to do. I thought the matter was closed and Wells Fargo understood how to pay the premium going forward. Guess what? XX/XX/XXXX rolls around and Wells Fargo is making the same mistakes as they did in XXXX. 

On XX/XX/XXXX, I received an unsigned letter from a Wells Fargo representative named " XXXX XXXX '' ( see attached ). In a nutshell, Wells Fargo electronically dispersed my mortgage escrow funds to the wrong location and are in the process of trying to recover the funds. 

After having already gone through a debacle in XXXX with Wells Fargo, I would expect in XXXX they would have learned from past mistakes and " got it right '' this year. But that's not what happened. The " ask '' here is that CFPB investigate Wells Fargo escrow practices and procedures for compliance with federal regulations. If the escrow funds Wells Fargo dispersed electronically from my account are not recovered, who is ultimately responsible? From XXXX XXXX 's letter, it seems like funds lost in the electronic transfer were mine! 

For a second year in a row, Wells Fargo 's incompetence handling financial transactions is on full display. For a major bank and mortgage company, they should not be making these types of mistakes at all. 

Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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  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

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 2024-10-02 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: PA

Complaint narrative:
This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint .This fraudulent, inaccurate, and false information consists of a few accounts : ACCOUNT NAME : XXXX original creditor! bought by debt collector XXXX ACCOUNT XXXX DATE OPENED : XX/XX/year> ACCOUNT NAME : XXXX  XXXX XXXX XXXX bought by XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX DATE XXXX HARD INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  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 XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  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 2024-10-02 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-02 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: NC

Complaint narrative:
I am a victim of identity theft I have attached a identity theft report and ftc report to remove these inquiries

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 2024-10-02 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: SC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: SC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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