vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I work with several international contractors who prefer to be paid through Wise. 

I created a Wise account, which was immediately suspended ( I don't know the exact reason why, but I think I may have typo 'd my own birthday when entering it ). 

I spent XXXX months going through a lengthy " appeal '' process, in which they required me to take multiple selfies, upload passport and drivers license, write special numbers down and take pictures of those next to my documents, etc. 

After all of that, they said they decided to permanently ban me from the platform, saying they could not tell me why they made this decision and made it clear that it was impossible to appeal. 

I am now working at a different company which requires me to have access to Wise since it is the company 's preferred payment system -- I am however unable to access Wise because my phone number is connected to my old banned account which they refuse to release, appeal, or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I have taken out federal student loans for both XXXX and graduate studies, and Mohela is my loan servicer. I am also in the XXXX program. 

On XX/XX/year>, I submitted applications to studentaid.gov to XXXX ) consolidate my student loans, and XXXX ) register for an XXXX XXXX XXXX. XXXX listed my repayment amount to be approximately {$260.00} per month. 

In a letter dated XX/XX/year>, Mohela finally informed me that my consolidated loans were disbursed as of XX/XX/year>, and that my first payment was due on XX/XX/XXXX. However, the correspondence listed my payment as just {$2.00}, and instead of being enrolled in my requested XXXX plan, Mohela had me on a standard repayment plan, which I did not request and is not compatible with PSLF. 

On XX/XX/year>, I contacted Mohela about the discrepancy in my monthly payment, since my payments were to resume on XX/XX/XXXX. The representative could not understand how or why my payment was listed as {$2.00}, when he said that payment should be over {$1000.00} since the XXXX request was not processed. The representative located the IDR request I submitted on XX/XX/XXXX, flagged it for review, and put me on an administrative forbearance. He informed me that the months in which I am in forbearance will qualify for XXXX. He also said that the XXXX request will take 15 days to process. 

On XX/XX/year>, I contacted Mohela again for an update regarding the same XXXX request. The representative had difficulty locating the form, and later said that Mohela now had up to 90 days to process the XXXX request. Correspondence from XXXX is now saying that my consolidated loans do not qualify for XXXX because they are not in the right payment plan. I am not receiving consistent information about whether these months in which I am in forbearance will count toward XXXX, even though I submitted both my consolidation and XXXX requests at the same time, as recommended by studentaid.gov. 

I have submitted XXXX requests regularly since my loans were first in repayment. Never before has an XXXX request taken close to XXXX months to process. Mohela is providing inconsistent and conflicting information about my XXXX request, and whether these months in forbearance will count toward XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: GA

Complaint narrative:
Ive contacted Transunion serval times over the past year I was told the information listed on my credit file was mix with another person and would be removed immediately they lied to several times no correction done I need these accounts to be removed immediately accounts, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive filed ftc reports and everything theyve asked of me and more but they fell to honor my request as if they dont care when it truly a mistake on theyre part fix it

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 2024-06-15 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: CA

Complaint narrative:
I was informed by a few companies ( XXXX, XXXX XXXX, XXXX. ) that my account was denied due to information listed on XXXX, Transunion XXXX XXXX. XXXX, XXXX XXXX Transunion are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, XXXX XXXX Transunion is not correct in what they are doing. All XXXX credit report agencies are selling my information, they are not confirming with me what is correct and are only allowing the companies to post negative items on my credit,

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 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I received an email from Bank Of America on XX/XX/year> stating that my debit card was about to expire and " a new one was mailed to me on XX/XX/year> to the below address ''. It has been three weeks and card not received.

After reviewing the address they said they sent it I noticed that it was not my complete address. Line one and two are correct but the third line just repeated the second line with the city name and state but the country was omitted. I am in XXXX and that was omitted. I went to the bank online website and checked my profile address and it was the correct address, then I went to their bank mobile app and it had the faulty address. 
I have contacted the bank five times by phone reporting the problem and they all say that they can't access my account to fix the problem and to call back in a couple of days when the set security conformations have changed. I even asked to speak to a supervisot and they say the same thing. I can access my account online and in the mobile app but I can not order a new card. I need this to be fixed so I can get a replacement debit card and have access to my pension.

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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
i had applied for a credit card with ( XXXX XXXX ) paid the balance in full and it its still on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: AZ

Complaint narrative:
i had applied for a credit card with ( XXXX XXXX ) paid the balance in full and it its still on 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 2024-06-15 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: CA

Complaint narrative:
Experian report number : XXXX you have failed to do multiple re-investigations and have been in violation of my consumer rights under the fcra. Ive disputed this account multiple times this is my third request to make sure this account is 100 % accurate. till this day I still find inaccuracies which show you have failed to do a proper investigation. 

here again is the account name : XXXX XXXX here again is the account number : XXXX as you can see you are reporting me late 30 days on XX/XX/year> and I have never been late XXXX shows no late payments on XX/XX/year> so why are you reporting me late please remove this account or update this account as never late always on time 100 % payments made on time

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 2024-06-15 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: MO

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agencies Experian, XXXX, and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes regarding incorrect and inaccurate information on my credit reports. Despite my diligent efforts to resolve these issues, these agencies have persistently ignored my disputes and failed to remove the erroneous accounts in question. 

The accounts in dispute are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I have submitted multiple disputes to each of these credit reporting agencies, providing detailed explanations and supporting documentation demonstrating that these accounts are inaccurately reported and should be removed. However, my disputes have been repeatedly ignored, and the erroneous information remains on my credit reports. 

This non-compliance is a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation into consumer disputes and correct or delete any information found to be inaccurate or unverifiable. The failure of Experian, XXXX, and XXXX to adhere to these legal obligations has caused significant harm to my credit standing and financial well-being. 

I am requesting the CFPB 's immediate intervention to ensure that the credit reporting agencies comply with their statutory duties under the FCRA. Specifically, I urge the CFPB to : Investigate the handling of my disputes by Experian, XXXX, and XXXX. 
Ensure the prompt removal of the disputed accounts ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit reports. 
Impose appropriate sanctions on the credit reporting agencies for their failure to comply with the FCRA. 
Provide a written response outlining the actions taken by the CFPB to address this matter. 
I trust that the CFPB will take this complaint seriously and act swiftly to rectify these violations. I am available to provide any additional information or documentation required to support this complaint. 

Thank you for your attention to this urgent matter.

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 2024-06-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I opened a XXXX month CD on XX/XX/XXXX. I was verbally informed today XX/XX/XXXX that the account was closed. No Reason was given. We entered into a XXXX  month Contract which they should honour. I have not been notified of any breaches nor have I agreed to the Closure.

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 2024-06-15 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:
Dear TRANSUNION LLC, I am disputing the false, inaccurate, or incomplete information that your agency is currently reporting on my consumer report which is currently damaging my credit score and mental health. Please see the attached. Thank you best regards. XXXX XXXX. All Rights Reserved UCC 1-308.

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 2024-06-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
The following creditors I have no knowledge of giving authorization to check credit and request proof of, such as signed agreement which will resolve issue. 
I have inquiries : Capital one car dealer which I have never been. 3 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in XXXX Also consumer XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Capital One XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX In addition to the negative reports by XXXX, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: IN

Complaint narrative:
I submitted a dispute letter to Equifax to address unauthorized and fraudulent inquiries on my credit report. Despite providing a detailed explanation and attaching a copy of my FTC report, Equifax responded that the inquiries were verified without proper evidence. 

The fraudulent inquiries include entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I requested the immediate DELETION of these inquiries and compliance with federal law regarding identity theft and consumer rights, but Equifax failed to take appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: MO

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agencies XXXX, TransUnion, and XXXX for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes regarding incorrect and inaccurate information on my credit reports. Despite my diligent efforts to resolve these issues, these agencies have persistently ignored my disputes and failed to remove the erroneous accounts in question. 

The accounts in dispute are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX I have submitted multiple disputes to each of these credit reporting agencies, providing detailed explanations and supporting documentation demonstrating that these accounts are inaccurately reported and should be removed. However, my disputes have been repeatedly ignored, and the erroneous information remains on my credit reports. 

This non-compliance is a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation into consumer disputes and correct or delete any information found to be inaccurate or unverifiable. The failure of XXXX, TransUnion, and XXXX to adhere to these legal obligations has caused significant harm to my credit standing and financial well-being. 

I am requesting the CFPB 's immediate intervention to ensure that the credit reporting agencies comply with their statutory duties under the FCRA. Specifically, I urge the CFPB to : Investigate the handling of my disputes by XXXX, TransUnion, and XXXX. 
Ensure the prompt removal of the disputed accounts ( XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit reports. 
Impose appropriate sanctions on the credit reporting agencies for their failure to comply with the FCRA. 
Provide a written response outlining the actions taken by the CFPB to address this matter. 
I trust that the CFPB will take this complaint seriously and act swiftly to rectify these violations. I am available to provide any additional information or documentation required to support this complaint. 

Thank you for your attention to this urgent matter.

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 2024-06-15 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: MO

Complaint narrative:
I am writing to file a formal complaint against the credit reporting agencies XXXX, XXXX, and Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in handling my disputes regarding incorrect and inaccurate information on my credit reports. Despite my diligent efforts to resolve these issues, these agencies have persistently ignored my disputes and failed to remove the erroneous accounts in question. 

The accounts in dispute are as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I have submitted multiple disputes to each of these credit reporting agencies, providing detailed explanations and supporting documentation demonstrating that these accounts are inaccurately reported and should be removed. However, my disputes have been repeatedly ignored, and the erroneous information remains on my credit reports. 

This non-compliance is a clear violation of the FCRA, which mandates that credit reporting agencies must conduct a reasonable investigation into consumer disputes and correct or delete any information found to be inaccurate or unverifiable. The failure of XXXX, XXXX, and Equifax to adhere to these legal obligations has caused significant harm to my credit standing and financial well-being. 

I am requesting the CFPB 's immediate intervention to ensure that the credit reporting agencies comply with their statutory duties under the FCRA. Specifically, I urge the CFPB to : Investigate the handling of my disputes by XXXX, XXXX, and Equifax. 
Ensure the prompt removal of the disputed accounts ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from my credit reports. 
Impose appropriate sanctions on the credit reporting agencies for their failure to comply with the FCRA. 
Provide a written response outlining the actions taken by the CFPB to address this matter. 
I trust that the CFPB will take this complaint seriously and act swiftly to rectify these violations. I am available to provide any additional information or documentation required to support this complaint. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXXXXXX XXXX offers a reserve cash reserve .... Payments for ambiguous at best I made my first payment XXXX day late because it was confusion but it was automatically taken from my account the second payment was XXXX times with the first payment was and still have not making sense and they close that account and garnished my XXXX for {$600.00} for the remaining balance which is not I've not been in the rears for 35 days or not made my payments and they said there's no way around it and even the advisor or the manager said there's something wrong and put it to a higher person I need my money for XXXX this is ridiculous

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 2024-06-15 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. States I have ( he right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account wilhout my writen instructions.

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 2024-06-15 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: CA

Complaint narrative:
remove all fraud addresses from my consumer report, immediately! 
( see attachment )

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