vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA

Complaint narrative:
I started doing flagger work for a local sub-contractor who gave me a Wisely prepaid card into which we would receive our paychecks. We were given sealed envelopes and told not to open them until our payday. 

I went over the fine print and the wording of two of papers make it certainly seem like I could do ACH payments through my Wisely account. It also said I could do debit transfers as well, so if you can do debit, why not ACH as well? 

Well, I tried using Wisely to pay my credit card bill and it didn't go through. My credit card company gave me a XXXX $ bounced check fee. I asked Wisely to contact my credit card company to let them know what happened or reimburse me, to which they declined. 


I called Wisely and they said I needed to get an " upgrade '' for my card and said it was free. I asked why not just send all cards out with this upgrade? Never got a straight answer. 

The issue here is simple, the paperwork specifically lists " pay bills '' as being a part of the services of the prepaid card given to us. The lists of Fees also includes pay bills and it says there is no fee for using the card to pay bills. 

The fine print that also came with the prepaid card has a sub-section specifically for ACH transactions, and it says that Wisely can do ACH transactions for this account, no mention of an upgrade or anything like that. 

There's also a section for failure to complete transaction, and Wisely says it can be liable if they fail to complete a transaction provided there is sufficient funds. Yet, there doesn't seem to be a clear indication of how to go about acting upon that? Apparently, arbitration is the only method listed, for a XXXX $ fee!? 

Wisely sends out prepaid cards with online accounts that look and feel like bank accounts, complete with routing numbers and everything. But there are requirements they don't tell you about and when you contact their customer service, they give answers which seem to contradict what the paperwork says. The customer service rep I spoke with said that Wisely doesn't do ACH without an upgrade, but I didn't see anything about that in the ACH section.

There are other parts of the paperwork that mention a need for identify confirmation for other services but none of that mentions ACH transfers? And a plain reading of the paperwork very much gives the impression that the Wisely prepaid card can already do debit/ACH transactions online as-is. 

I asked the customer service rep why they do it this way, it's like they want people to fall into this trap. They didn't answer. 

Wisely sends out prepaid cards with vague wording and vague features, hiding behind dense legalese fine-print. Surely, it would be easier and better for everyone if they just came out with a list of all the features that are or are not included with the prepaid cards as-is?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
After examining my latest credit report, I've identified inconsistencies that demand urgent action, especially concerning the following accounts : XXXX XXXXXXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. 

The company has acknowledged the errors and has committed to updating the status to never late. Other credit bureaus have already rectified the status of the accounts after the companies acknowledged the inaccuracies.

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 2024-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have continuously had problems this year with XXXX XXXX XXXX and their partner, UMB Bank, who are the administrators of my employer 's XXXX account. 

The problem begun earlier this year when I transferred funds out of my XXXX XXXX XXXX XXXX own HSA account XXXX XXXX. XXXX closed my account upon the execution of this transfer, which I did not request. I continued contributing to the XXXX account XXXX payroll deductions, and these contributions were lost by Navia/UMB for XXXX months XXXX I contacted XXXX about this, and they claimed they were unable to do anything to fix it and said my employer would have to fix the issue. My employer 's HR department reached out to XXXX, and after months of little to no communication, the problem was somewhat resolved when XXXX opened a second account in my name and deposited a lump sum into the account. Several deposits were somehow still missing at this time, which took another month or so to resolve. This was an incredibly frustrating process that made absolutely no sense to me, and it was a huge waste of my time and my HR department 's time. 

Now, XXXX has closed the new account that they had opened for me without any request from me and without any communication to me. That account has several XXXX dollars in it, and {$1000.00} of cash has been deleted from the account as part of the closure. The {$1000.00} does not appear in the transaction history at all, but if the credits and debits are added up and the investments accounted for, the balance is low by the {$1000.00}. XXXX reopened the older HSA that they had previously closed, and they are now directing my payroll contributions into that account instead. I am totally unable to access the funds from the newer account. 

At this point, some sort of intervention is required. Despite attempting to fix this issue via all possible avenues over a period of several months, XXXX has continuously prevented me from accessing my XXXX contributions XXXX Their management of my account is inexplicable and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-16 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:
In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
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

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 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Someone fraudulently opened a XXXXXXXX XXXX XXXX account in my name on XX/XX/2021. {$1100.00} Balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MI

Complaint narrative:
Now, I've found that the accounts have been reinstated on my credit report. If any data previously removed from a consumer 's record under subparagraph ( A ) is added back, the consumer reporting agency must inform the consumer in writing within five business days of the reinstatement. Alternatively, if authorized by the consumer, the agency may use any other available means for notification. Below are the list of accounts that reinstated iin my Credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1800.00}

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 2024-04-16 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: MI

Complaint narrative:
Now, I've found that the accounts have been reinstated on my credit report. If any data previously removed from a consumer 's record under subparagraph ( A ) is added back, the consumer reporting agency must inform the consumer in writing within five business days of the reinstatement. Alternatively, if authorized by the consumer, the agency may use any other available means for notification. Below are the list of accounts that reinstated iin my Credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-04-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, I recently checked my credit report and noticed all these inquiries on my report. I did not authorize any inquiries into my credit report. 
The inaccurate information mentioned above is negatively impacting my credit score and financial standing. 
I kindly request that you investigate this matter promptly and remove the 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
Wise, Cancelled and returned my long established monthly retirement payment from XXXX. It seems wise returned the payment to the XXXX retirement distributor. 

Wise claims that this transfer was cancelled because more information were needed. Wise did NOT contact me and requested any information. I contacted wise multiple times to resolve this issue without any success. 

It will take me multiple months to change the XXXX retirement payments distribution to a new account. At this time, I have no idea how to recover the already lost payment ( s ).

Please be aware, you are on your own if something goes wrong. What a MESS!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB
State: CA

Complaint narrative:
On XX/XX/XXXX, I made a purchase with XXXX and I paid through Klarna a slit your payment into 4 app and was approved for the total Transaction of XXXX. XXXX sent me a message asking me to update my payment method as the items were being sent separately and they were trying to recharge by alerting me to update my payment method after they were initially paid by Klarna. I did not receive several items that they got paid for by Klarna. I was sent to collections for items not received. I initially contacted XXXX and spoke to XXXX in XXXX XXXX who informed me that the full refund was going to be sent to Klarna which did just not the correct amount. My total purchase for the items that I received was XXXX and not a XXXX more. They have not taken care of this and I have been getting the runaround or wrong information. Meantime I am being sent to collections by Klarna. XXXX is commiting Fraud. I contacted XXXX today as they have yet to process the full refund to Klarna as promised and got hung up on deliberately by a XXXX named XXXX and another supervisor named XXXX today XX/XX/XXXX claiming that it has been more than 30 days since the purchase and they can't help me however I made them aware within 30 days and it is them that are not following through accordingly. They both hung up on me when I requested to speak to their Manager. I immediately received an email survey from XXXX in which I documented this. XXXX got paid for items that they don't even show on my order history on my XXXX account. Some show cancelled, some are neither cancelled nor on my order history yet they were in my original order and paid by Klarna so they are not reporting accurately and they can't even find all of the items that they got paid for by Klarna because they were cancelled and don't even pop up as cancelled item in their system and other items were broken up into different order numbers. This is a mess and they won't fix it because its time consuming to find the items and figure out what order number they were sorted into. 
Total initial amount of loan with Klarna was XXXX on XX/XX/XXXX Items received 6 items for the total amount of XXXX. 
Attached list is itemized list from Klarna. 
Items received by me were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total= XXXX ( PS ) Everything else on that list was not received. 
No one is helping and I am being sent to collection for items that were never received!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Carvana Group, LLC
State: PA

Complaint narrative:
Carvana has denied my right to credit and has also violated title 15 of the CFR by demanding a down payment which is illegal. I will not donate and as a consumer I feel offended and humiliated to have my rights violated according to the FCRA. I demand reconsideration of this adverse action. 
Dear Carvana, I am writing to express my concern regarding the recent decision to deny credit approval for a consumer transaction. My investigation has revealed that demanding a down payment as a condition for credit approval may constitute a violation of federal regulations, specifically 31 USC 5118, as well as provisions within the Uniform Commercial Code ( UCC ), and the Fair Credit Reporting Act ( FCRA ). 
Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to receive a clear and accurate explanation when credit is denied, including information about the factors leading to the denial. Demanding a down payment without proper justification may be deemed as a violation of the FCRA, which protects consumers from unfair or discriminatory practices.

I demand that Carvana revisits its decision regarding the credit transaction in question and provide a detailed explanation for the denial of credit approval without the requirement of a down payment, in compliance with the FCRA. Failure to comply with this request may result in further legal action. I expect prompt action on this matter and appreciate your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MD

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I found out that a Bloomingdales credit card was opened in my name date of open was XX/XX/2019 balance {$340.00}

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