vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/year>, Wise US Inc ( formerly TransferWise ) restricted access to my personal and business accounts containing a total of {$6300.00}, without prior notice or a clear explanation. I was informed that this was due to a routine verification process. I promptly provided all the requested documentation for identity and business verification. 

Despite Wise acknowledging that my documents have been verified and accepted, my accounts remain inaccessible. I have contacted Wise ten times by phone and sent numerous emails seeking resolution. Each time, I was told that the issue was due to a technical glitch, but no timeline for resolution was provided. 

The prolonged restriction of my accounts has caused significant financial hardship. I am unable to access my funds to pay for essential expenses, including medical treatment for my daughter, rent payments, health insurance, and daily necessities. This situation has forced me to borrow money from friends to cover basic needs. 

Wise 's lack of transparency and failure to resolve this issue promptly have severely impacted my personal and financial well-being. I am seeking assistance to have immediate access restored to my accounts and to ensure that Wise addresses this issue appropriately. 

Wise is holding now XXXX USD in this account without giving me access to it : Account holder : XXXX XXXX XXXX and XXXX routing number : XXXX Account number : XXXX Account type : Checking Bank name and address : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NY XXXX United States

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX  ) sent my account to collections. Other than claiming I have not made payments for over 3 years, 2020 to date, they are charging me collection fees and attorney fees.

I send my XXXX  payments through my Chase Bank checking account, who then send paper checks to the XXXX, and asked Chase Bank to provide proof of payments/cashed checks, for the transactions I have made to the XXXX. The money has been withdrawn from my account each month, but they claim they are not able to provide proof of receipt of those payments. When I call my bank, they provide instructions on how to view my bank statements, that show the money drafted from my account but they are unable to provide any proof that the money withdrawn from my account has been received by the XXXXXXXX. The XXXX/collection agency is claiming I owe over {$17000.00} in unpaid dues and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

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 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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XX/XX/year> I was approached by two men in the XXXX outside of a XXXX. These two men had a tap to pay device or similar and tapped my phone wallet stealing {$2500.00}. I immediately called police and made a report. I then called my bank and the card housed in my phone wallet was cancelled. The {$2500.00} went to a XXXX account named XXXX XXXX, after further investigation the username to this account is XXXX. Multiple employees from Wells Fargo confirmed that the bank would be reaching out to the merchant to confirm proof of goods or services. This was not done. The bank denied my claim because my phone was not lost or stolen and stated that it was an authorized charge because of this. I was advised to call my phone carrier which is XXXX. XXXX informed me that they do not have access to phone apps and to contact apple wallet support. I spoke to XXXX XXXX  support and they informed me that when Wells Fargo cancelled my card it removed all information including transactions from my XXXX XXXX  as part of a privacy agreement. XXXX also confirmed that as long as my phone was unlocked the tap to pay device would work without additional authorization. I reached out to XXXX and they were able to located this transaction. They also indicated that there are many cases open for similar charges and that they FBI is involved. They provided me both with a transaction ID and Reference ID however due to client privacy policy they can not issue a chargeback because it was done through their zettle app. The back office of XXXX strongly urged me to have my bank issue a chargeback so that they then could provide the bank with the necessary information and release the funds. Wells Fargo has refused to do this and even XXXX can not understand why as this would be a simple fix. Wells Fargo has continued to be negligent and from the very first phone call has not taken the steps they said they would to confirm the fraudulent activity. Myself as a consumer have found more information by simple google searches. I have gone into branches and branch employees also cant seem to understand the disconnect that is happening. Wells Fargo has incorrectly notated this case from the beginning. XXXX has stated time and time again that this is fraud and they need the bank to issue a charge back so they can perform the work they need to on their end.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS
State: OK

Complaint narrative:
My insurance company reported to me that my rate was not the best because of my XXXX Report which was supplied to them by LexisNexis. I contacted LexisNexis on 4 different ocasions over 2 months asking them to send a hard copy of my report to my home address. I was told it was resent each time I Spoke with them. I have case numbers : XXXX and a confirmation number XXXX. 
As of today I contacted them and asked for a supervisor and that they send the report via certified mail. I was told that all they could do is resend via standard mail and they denied allowing me to speak with a supervisor. 

Original dates of contact and request for a report were : XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
Subject : Formal Complaint Against Navy Federal for Retaliation and Unjust Account Restrictions Navy Federal, I am submitting this formal complaint regarding what I believe to be retaliatory actions and prolonged, unjust restrictions placed on my account. Despite providing all requested documentation and meeting your requirements, my access to online and mobile banking remains blocked. This issue has persisted for years and seems connected to a loss that was previously filed and settled, yet I was never contacted about any related class actions or resolutions.

The restrictions on my account have caused me significant emotional and financial harm, leaving me unable to pay my bills, manage essential expenses, or access my funds, all while money continues to deposit into the account. I believe these actions are unfair and retaliatory, as they have severely impacted my quality of life and ability to function financially.

I demand that my account be fully restored immediately and that appropriate settlement relief be provided for the undue hardship caused by this situation. I look forward to a prompt resolution and am available to provide any additional information if necessary. 

Sincerely, XXXX XXXX XXXX XXXX Routing number XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX Subject : Formal Complaint Regarding Retaliation and Account Restrictions Navy Federal, I am writing to formally express my frustration and concern regarding the prolonged and unjust restrictions placed on my account. Despite my compliance in providing all required information and my inability to visit a branch due to personal restrictions, my access to online and mobile banking remains blocked, effectively preventing me from managing my finances. This issue appears to stem from a previously filed and settled loss, yet no one contacted me regarding the associated class or resolution, leaving me feeling overlooked and retaliated against. The ongoing account restrictions have caused severe emotional and financial strain, as I am unable to access funds to pay my bills, keep my utilities running, or handle essential expenses. Furthermore, the lack of communication or resolution suggests neglect of my rights as a member. I urgently request that my account be fully restored, and I seek settlement relief for the hardship caused by these actions. I trust you will address this matter with the seriousness it deserves and look forward to a prompt resolution. 


I want a settlement too for my suffering, pain and suffering emotional distress etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MO

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-03 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: FL

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which has compromised my personal information. The entries detailed below are fraudulent, and under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked from my credit file. 
XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$710.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1000.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX. XXXXDEPT OF ED - XXXX XXXX XXXX XXXX  {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$00.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  {$970.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$590.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$450.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} Unauthorized Inquiries : 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

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 2024-12-03 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:
To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX, XXXX, NJ, XXXX. My only Phone number is ( 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 non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX the XXXX  Unemployment Commission direct deposited {$1100.00} dollar to my Capital One account. They have sent me Deposit Transition number and deposit records on there letter head. I have received the payments for the week XXXX XXXX XXXX  so they have the correct banking information. I have called the call center overseas at least a dozen times. Talked to a local bank manager. Sent emails to 2 different emails. I have had no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
XXXX, XXXX, and Equifax Subject : Dispute and Request for Removal of Inaccurate Credit Inquiries To Whom It May Concern, I am writing to formally dispute several inaccurate credit inquiries listed on my credit report as provided by XXXX, XXXX, and Equifax. Upon review of the report, I have identified multiple errors in the reporting of these inquiries, which appear to violate provisions of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
The following inquiries are in question : 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 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 Errors Identified : XXXX. Duplicate Hard Inquiries : Several creditors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are listed multiple times on the same day or within a short timeframe. This duplication creates an inaccurate portrayal of my credit-seeking behavior and violates Metro 2 reporting standards for data accuracy. 
XXXX. Lack of Permissible Purpose : Under the FCRA ( 15 U.S.C. 1681b ), hard inquiries must have a permissible purpose. I did not authorize multiple inquiries from the same creditors, nor was I informed of these inquiries in a manner that aligns with the law. 
XXXX. Unauthorized Inquiries : Some inquiries, such as those by XXXX and its related entities, were not explicitly authorized by me. These inquiries appear to have no legitimate purpose and should be removed immediately. 
XXXX. Misclassification of Inquiries : If any of these inquiries were soft inquiries or conducted for pre-qualification purposes, they are incorrectly classified as hard inquiries, further damaging my credit report unfairly. 
Request for Action : I kindly request that XXXX, Equifax, and XXXX : XXXX. Investigate each of the above-listed inquiries to verify their accuracy and compliance with the FCRA and Metro 2 guidelines. 
XXXX. Remove any duplicate, unauthorized, or misclassified inquiries from my credit report. 
XXXX. Provide me with a written confirmation of the outcome of this dispute within 30 days, as required under the FCRA. 
XXXX. Remove address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

Enclosed, please find a copy of my credit report highlighting the disputed inquiries, along with a copy of my ID and proof of address for verification purposes. 
Thank you for your prompt attention to this matter. If you require additional information or documentation, please do not hesitate to contact me at ( Your Phone Number ) or ( Your Email Address ). 
Sincerely, Look forward to your timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CT

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
( See attached ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, il [ XXXX ] XXXX last 4 of ssn : XXXX I have a serious problem with the credit reporting agencies furnishing certain transactions and experiences from the account that the principal has with american express XXXX it is a well known documented and discussed fact that XXXX XXXX does not report credit utilization to the credit reporting agencies in regards to credit accounts. in pursuant to15 U.S. Code 1681a ( D2 ) Exclusions- '' the term consumer report does not include any report containing information solely as to transactions or experiences between persons related by corporate control ''. and as such Credit utilization is a " Experience '' that shouldn't be furnished to consumer reports. Now Im not sure WHO IS TO BLAME for the said experiences being reported but for several months ive been asking the same thing ... ... and herein 1 of 4 of the entities involved is VOLUNTARILY ILLEGALLY reporting this negative information to my credit files. To all entities involved make a good faith effort to resolve this matter by removing the credit utlization remark from my credit files associated with the account ending 63001. I dont want the utilization being reported to my file thats it. this will be mailed physical and delivered electronically to all parties involved. If there is " confusion '' as to what needs to be done just call me XXXX. 

Yours Truly, Beneficiary All rights retained with estoppel without recourse XXXX : XXXX and XXXX XXXX XXXX XXXX trademarks used herein are trademarks service marks or common law trademarks of XXXX XXXX XXXX XXXX XXXX and its MEMBERS. ANY UNAUTHORIZED USE OF THE MARKS WILL BE PROSECUTED ACCORDINGLY

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Opened a new checking and savings account at chase.com. Linked my external bank account to fund it. After initiating a transfer of {$15000.00} to chase they locked out all my accounts. On logon I receive a message " We locked your account due to suspicious activity. Call XXXX to unlock it. Please note that you will not be able to access your account information, documents or statements online or on the mobile app until we unlock your account. '' I called and had to go through a series of irrelevant and XXXX questions : did you shared your password with anyone? etc. Account still frozen. This is a completely unacceptable level of fraud detection or prevention mechanism. I have two factor on the account and there is nothing suspicious about funding a new opened account. A simple text to my two factor they I can respond Yes to would have been sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NY

Complaint narrative:
please delete inaccurate information from 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 explanation