vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: NJ

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX from XXXX at XXXX regarding my account. Per XXXX I made a payment in XX/XX/XXXX and XX/XX/XXXX and my loans were in forbearance during XX/XX/XXXX and XX/XX/XXXX. Attached is proof of the 2 payments I made in XX/XX/XXXX, one for XX/XX/XXXX and an early payment for XX/XX/XXXX. So, how can I have a 90 day late payment in XX/XX/XXXX? Please forward me the documents you have in my file proving this late payment is accurate. 

Under section 609 ( a ) the FCRA requires credit reporting agencies upon request of the consumer to clearly and accurately disclose all consumer information in their file at the time of request and the files requested must be clear and understable to the consumer.

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 2024-09-14 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: GA

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.

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 2024-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
I went to the Flagstar Bank XXXX XXXX, NY branch yesterday, XXXX XXXX, and opened a premier savings account with a cashiers check. The cashiers check was in the amount of {$100000.00} from XXXX  XXXX XXXX made out to me. I believed the funds would be made available to me the same as cash since I used my cashiers check to open the account. My other two banks did that when I opened accounts with them. 

I spent two and a half hours in the bank opening this account with multiple people. It was now close to closing time. The Assistant Manager, XXXX XXXX, took my check to the back and opened the account for me. She handed me papers and stapled a receipt to the papers. Nothing was explained to me. Upon going home and trying to gain access to my account after receiving assistance from customer support to get online access, I discovered only {$220.00} of the {$100000.00} was available to me. 

I went back to the bank this morning, XX/XX/2024, as soon as they opened and spoke with XXXX XXXX about me not having access to my funds after giving her the cashiers check. She stated that she couldnt do anything about that and that federal regulations required her to place a hold on the funds. She stated that she gave me a receipt that showed the breakdown of the availability of funds. I immediately asked her to close the account because I needed those funds to do some other transactions I was trying to do with the bank.I was told she couldnt close the account either because the check is in transit. She said she followed the banks policies. I told her that none of this was explained to me prior to or even when she gave me these papers. I am a senior citizen ( XXXX years old ) and needed to know that before I gave her my money. Cashiers checks are the same as cash, but she treated my check like a regular check from an unreliable place.

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 2024-09-14 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: MI

Complaint narrative:
Pursuant to FCRA 1605b, this company is required by Federal law to block within four days, all accounts listed in an FTC Identity theft affidavit, to which Ive also had notarized. This company was mailed in proof of my identity along with the other required documentation for them to proceed with my request. They have failed to adhere to the law concerning this matter as it still reflects on my alleged consumer credit report file.

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 2024-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Between XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, I fell victim to a multi-layered scam operations run by XXXX which involved me making deposits for a total amount of {$47000.00} from my Wells Fargo account to fraudulent investment firm ( s ). At no point did Wells Fargo flag any transaction or warn me of potential scam activity.

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 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> ( Posted XXXX XXXX ) BMO Allowed an account takeover to occur. My phone was stolen, and Credentials to Online Banking. BMO, Allowed {$460.00} to be transferred externally to a XXXX XXXX XXXX, Whom I have never done business with. This transfer was by ACH. BMO Knowingly, Allowed the transfer to occur and deducted {$460.00} from the checking account. BMO Told me I did not respond to calls, However BMO never called me to begin with. I would have answered had I received a call, I did call to file a dispute for this unauthorized transfer back in XX/XX/XXXX. However the Representative put me on hold over 1 hour, and Wouldn't file the dispute. BMO Responded telling me that the Claim was never filed and that I needed to call back in and file the claim. So I filed the claim today XX/XX/year> on the phone with a rep hold for over an hour again. BMO owes me {$460.00} Claim # XXXX. I expect this to be overnighted Certified Funds to me. Free of charge for overnighting because I did not authorize the transfer. BMO Also opened the checking and savings account to begin with as identity theft. Which I already advised. BMO Does not allow me access to online banking to review transactions and BMO Charges me paper statements, {$3.00} even though I can not access. These are fraudulent account 's opened without my permission or consent. BMO Owes me monetary relief for the stolen funds as well, and BMO has been ignoring any attempts for me to recover the funds. Especially having a hard time filing a dispute for an unauthorized transfer. I would like to receive my {$460.00} Funds back that were not authorized. Please mail me an overnighted check, to my address on-file. Please do not charge me expediting since it's not my fault you never filed the dispute to begin with.

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 2024-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I've asked for investigation of two account that are reporting improperly on my credit report with several inaccuracies and incomplete items. I need the company let me know the method they used to verify this account as accurate reporting. Is my understanding that the company has to follow FCRA laws. The impact on my credit worthiness of this error are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
I've asked for investigation of two account that are reporting improperly on my credit report with several inaccuracies and incomplete items. I need the company let me know the method they used to verify this account as accurate reporting. Is my understanding that the company has to follow FCRA laws. The impact on my credit worthiness of this error are hurting my ability to obtain 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 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Financial Opened a Checking and Savings account, and Installment loan, and a credit card in my name without my consent back in XXXX, and XXXX I believe. I contacted PNC Identity Theft ( Fraud Department ) To Advise that I was a victim of identity theft. I did not apply for any checking/savings or Loans or Credit Cards with PNC At anytime. I found out that they had opened accounts in my name because when I did try to open an account with PNC A few months back it said I already had existing accounts. When I spoke to the fraud department, I gave them my address, Phone number, and email. None of which matched the information on file, because again PNC Opened these accounts with stolen information as identity theft. PNC Told me they would research my claim, and would respond when they completed their investigation. Of Course, I never received any documentation. They did not close the accounts, and basically they took my request and then it disappeared. This is a serious issue and I believe I should not be responsible for something I did not authorize or open. I am a victim of identity theft, and PNC Should take my concerns of fraud seriously. PNC Knowingly opened a checking/savings and credit card and installment loan as FRAUD. In my name without me signing any account agreements or receiving any funds. I did not receive any debit cards, I did not receive any statements. The Online banking account would have been fraudulent. I did not register with PNC, I want PNC To conduct a proper investigation as a victim of identity theft, and close all checking savings, loans and credit cards which I did not authorize. I did not receive any service or merchandise from PNC. I am XXXX XXXX, and I do not know what information they used but it does not match my information. Again, PNC Has a legal obligation to investigate the fraud, and I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
After consolidating my debt in XXXX I had a total loan balance of about XXXX. XXXX convinced me to enter forbearance because at the time I had just completed my XXXX XXXX XXXX XXXX and did not yet have a job. During this time my balance grew quickly to over XXXX. I then began making payments in XXXX in the amount of around {$2700.00} per month. I continued making payments without checking my account until the pandemic paused student loan repayment. Over the time I was making payments I estimate I made approximately {$200000.00} in payments. After notifications began that student loan repayments would begin again I looked into my account and discovered that none of my payments had ever been applied to my principle balance. The entirety of my monthly payment was processed as an interest payment. This was fraud because the amount of interest accruing was less than my payment amount. As remediation I am requesting that all payments I have made be fully applied to my original loan balance and any forbearance interest balance to be expunged. Or I request that my loan simply be canceled as it was managed in a fraudulent way in order to maintain high interest payments without reducing principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: CA

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX to my bank account in XXXX on Wise.com. Wise informed me the transfer would take 3-5 business days. On XX/XX/XXXX Wise website informed my money had arrived, but I couldn't see it in my XXXX  XXXX  account. After asking, Wise told me I needed to send proof of wealth, to share with the intermediate XXXX XXXX they use ( Wise did not inform me about an intermediate party before ). I then sent Wise my 2023 tax return and my 2023 W2 form, which show more than enough funds to cover the amount of the transaction. 

Then 5 days later I get the following nonsensical message from Wise : " The property must be listed on the tax declaration. If not, we need to understand why. You also need to send the property registry document ( the document should have been issued within the last 30 days ) with your recipients name on it ''. I have no idea what they mean with this, as it's a transfer of cash from my bank account in the US to my bank account in XXXX. There is no property involved! 

I then call Wise call center and talked to an attendant. She seemed to be helpful, acknowledged that she also did not have any clue about the last message and said next morning Wise would solve it. She asked me to also upload my payslips, which I did. Next morning nothing happens and I call Wise again. A completely incompetent attendant told me that only now that I had send a proof of wealth ( the payslips ), they could send it to their partner and it would take 5 business days for them to evaluate it. I asked the case to be escalated, as I told him I had send proof of wealth ( tax return+W2 ) more than 6 days ago. He then hang up the call on my face. I tried calling several other times, but they were always unhelpful ; in one time the attendant was screaming she couldn't talk to me because of a noise in her house! Wise refuses to escalate my case and complete my transaction. My family in XXXX is in desperate need of the money that Wise is illegally withholding

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I messaged Express Credit Card XXXX today, XX/XX/year>, about an overpayment. I was attempting to request for Express Credit Card XXXX to refund the partial payment back my credit card but no response as of yet. I send too much money, to pay off my Express card balance. I wanted to send Express Credit Card {$50.00}, instead of {$86.00}. Thank you for your concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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 per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted.

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 2024-09-14 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: SC

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their unlawful refusal to block a fraudulent account from my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I recently submitted a fraud block request to TransUnion regarding an account ( XXXX ) that was opened as a result of identity theft. Despite providing all necessary documentation, including a police report, TransUnion denied my request. They responded with the following justification : TransUnion at this time declines to block the information you have identified because either the item reflected a history of previous payments made, a history of previous disputes, other than ownership, or was opened prior to when the fraud was reported to have occurred.

This response is not only inadequate but also unlawful under the FCRA. The FCRA does not place the burden of proof on consumer reporting agencies to determine the validity of identity theft claims. It explicitly requires them to block information related to identity theft upon receiving appropriate documentation, including a police report, as I provided. TransUnions refusal to comply with this legal requirement denies me the lawful remedies the FCRA guarantees to protect consumers against identity theft.
In this case, TransUnion is acting as the judge, jury, and executioner, by making arbitrary decisions regarding the validity of my identity theft claim. The FCRA does not grant them such authority. Their refusal to block the fraudulent account is not only an overreach but also a denial of the lawful remedies available to victims of identity theft. Furthermore, I have requested, on multiple occasions, the physical contract between myself and XXXX, which would substantiate their claim of account legitimacy. To date, TransUnion has failed to provide this contract, further violating my rights under the FCRA Despite multiple disputes Ive filed, TransUnion has consistently failed to meet their legal obligation to either provide the REQUESTED DOCUMENTATION or block the fraudulent account. To be clear, I have explicitly asked for physical documentation, specifically a contract that bears my signature and the creditors signature. However, TransUnion has failed to produce this documentation. 

Thank you for your attention to this serious 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 2024-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 2024-09-14 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: FL

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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