vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TransferWise Ltd
State: WY

Complaint narrative:
Hello, I created a bank account with Wise, and I encountered an issue where my account was unexpectedly deleted without any reason provided. I was unaware of any violations of Wise 's policies and did not engage in any prohibited activities. I'm filing this complaint in hopes of resolving the matter and seeking assistance in reinstating my account. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: OH

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.

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 2024-03-16 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: OH

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.

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 non-monetary relief
Consumer complaint received 2024-03-16 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: GA

Complaint narrative:
According to XXXX XXXX Transunion XXXX Transunion is supposed to ensure MAXIMUM ACCURACY. This account violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5,15 USC 1681eb. Delete this Account this account shows different last dates of activity attached for Transunion XX/XX/XXXX and XXXX XX/XX/XXXX violates FCRA. 
XXXX XXXX XXXX XXXX XXXXXXXX Asking for full verification on this account following guidelines set forth by FCRA. Remove this account immediatley. 


Sincerely 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 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, my brother in law mistakenly filed a fraud claim against a Venmo transaction. After a lot of back and forth Venmo determined I had no choice but to wait until the claim was resolved by my brother in law 's bank which is XXXX XXXX XXXXXXXX. My brother in law WITHDREW the claim. On XX/XX/06 XXXX XXXX XXXX sent a notice to my brother in law that the claim had in fact been withdrawn and then they took the money out of his account. This should have cleared up the negative balance on my Venmo account as per the bank, Venmo has received the funds back. Shortly thereafter on XX/XX/XXXX I received a notice from Venmo that this claim had been resolved in my brother in law 's favor, which is not at all accurate. Venmo is double dipping and holding on to other funds of mine all while getting the money back from XXXX XXXX XXXXXXXX. I am attaching the complete paper trail showing that XXXX XXXX XXXX shows the claim as WITHDRAWN, has reversed the temporary credit and that Venmo is still holding on to my funds. My brother in law has provided me access to all notices in regards to this and I have attached them here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
On XX/XX/2023 my insurance company paid my car off before the maturity date to United Auto Credit. Seen as I purchased a GAP insurance for {$1500.00} and a GAP Waiver for {$390.00} I was expecting a refund. But they told me that I wasn't entitled in getting a refund because I didn't pay the car my self. But in my contract it says nothing about that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I checked my score yesterday and it had gone from score of XXXX in XXXX to score of XXXX as of XX/XX/XXXX. Nothing has changed in my situation for such a dramatic drop. I have a XXXX XXXX XXXX protection service, where i receive alerts related to my credit and I also get credit report and score from Equifax. I did not receive any alerts at any point on any inquiry or change in my credit. I called Equifax and after going through their verification process, they told me that I have the score of XXXX because I have no loans or credit cards reported on my account to determine my creditworthiness. After the phone call when I checked my score again on XXXX XXXX, it was showing " not available '' for my Equifax score. I requested a score and report from XXXX and XXXX and they both show a score of XXXX on their reports. The history is identical to what Equifax has. This morning my score with Equifax was back to score of XXXX. I called Equifax again today, XX/XX/2024, and received similar response that they do not have enough credit history to provide a score. I asked why does it have to show XXXX instead of not available. I further explained that I do not have any debt, any loans or credit cards. Equifax representative on the phone stated that the scores start from XXXX, so score of XXXX means you have no score. I am still puzzled why no credit history gives me a score of XXXX, instead of stating no score available? My latest job requires security clearance and my appointment is pending passing the clearance. Among different things they also look at my credit history and score, I do not want Equifax 's latest change of how they are reporting the score to jeopardize my livelihood. Thank you. I will be happy to provide additional information as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 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 an 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 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 2024-03-16 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: TomoCredit Inc.
State: WY

Complaint narrative:
In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX. ) Tomorrow  credit XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: WY

Complaint narrative:
In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern : I have had a checking account with Truist Financial Corporation since XX/XX/XXXX. Over the course of several years I managed to save {$23000.00} in that account ( # XXXX ). On XX/XX/XXXX I created a savings account ( formerly # XXXX ) and moved {$20000.00} from my checking into savings. 

On XX/XX/XXXX I received a letter from Truist dated XX/XX/XXXX stating my account would be closed ( reference case number XXXX ). The online statement in the Truist app indicated all of the funds were actually withdrawn and my checking account was closed on XX/XX/XXXX. I went into the local branch the next day on XX/XX/XXXX and was able to provide the necessary information to verify my identity, which was identified as the issue, although not explicitly stated in the letter. 
At that time, a local representative informed me my savings account was closed and I would receive a check in the mail in the next XXXX weeks. Several weeks passed and I did not receive my money as was initially stated. On XX/XX/XXXX I returned to the bank and found out they were conducting a fraud investigation. 

I was informed the fraud department showed I deposited the {$20000.00} in one transaction to my savings. This is technically true, but I saved the entirety of this amount in my checking account prior to the transfer to my savings. I have documentation to support this. A representative from the local branch discussed this with the fraud office, but they still refused to release my money. I called to follow up and there have been no actions taken on my case ( XXXX ). It has now been over 35 days since my account was closed by Truist and I have not had access to these funds.

This investigation has been an overall hardship for me and caused me to delay payments. Truist 's inadequate communication and the inactivity in the investigation has required me to make multiple visits and calls.

I am writing to file a complaint against Truist for their poor customer service and for taking longer than 35 days to return my funds. Given there is adequate evidence to support my claim there is no fraud, their delay tactic feels predatory. I am concerned their investigation will result in a finding against me and Truist will retain my funds. I have supporting documentation if the CFPB requires it for their complaint process.

An ideal outcome would be for Truist to complete their investigation immediately, return my {$20000.00} along with the interest I would have earned during this time frame.

Thank you in advance for your assistance in this matter. 

Best, 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 2024-03-16 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: GA

Complaint narrative:
Dear Experian I have noticed inaccurate information on my credit report, Experian is supposed to ensure MAXIMUM ACCURACY. This account violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5,15 USC 1681eb. Delete this Account this account shows different last dates of activity attached for XXXX XX/XX/XXXX and Experian XX/XX/XXXX violates FCRA. 
XXXX XXXX XXXX XXXX XXXX Asking for full verification on this account following guidelines set forth by FCRA. Remove this account immediatley. 
Sincerely 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 2024-03-16 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: CA

Complaint narrative:
I have false information on which Experian, XXXX, and XXXX are reporting on my credit reports. I have NON MAILABLE ADDRESSES on my reports, False Names, Invalid Phone numbers, etc. I was incarcerated since XX/XX/XXXX to XX/XX/XXXX in which I will provide documentation. I will also provide documentation of my name and proof of address that is MAILABLE. Experian, XXXX, and XXXX Are in violation of the Privacy Act of 1974, 16 CFR 313.1, 15 USC 1681, 15 USC 6802. I shouldnt have anything on any of my credit reports due to the fact that I was Incarcerated. This needs immediate attention as I cant access XXXX for the XXXX XXXX and XXXX XXXX documents I need due to inaccurate reporting by Experian. I cant create Disputes with XXXX and XXXX due to the fact that the information requested is unverifiable. I am not able to access anything due to verification processes that are clearly 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 2024-03-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCORDING TO THE LAW, YOU AND THE DATA FURNISHERS MUST CERTIFY ALL ASPECTS OF REQUIRED FCRAMETRO 2 COMPLIANCE. THIS MUST BE DONE IN A TRUTHFUL, CORRECT MANNER THAT IS COMPLETE AS WELL TIMELY SO IT DOES NOT VIOLATE MY CONSUMER RIGHTS OR CIVIL FREEDOMS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Here is the context : I was sued for XXXX XXXX  and on XX/XX/2024 XXXX  dismissed the case. On XX/XX/XXXX ( the day prior to my appearance ) their legal counsel called and offered a settlement. By doing so, I believe Bank of America was essentially telling me to not respond to the lawsuit they filed against me. I did not accept their offer. Instead, I came to court. Despite settlement discussions being deemed inadmissible as evidence, their counsel mentioned this to the judge anyway. A judgment of " Nonsuit '' was entered by motion of Plaintiff 's counsel. See XXXX XXXX XXXX XXXX, At Law No. : XXXX ( XXXX of Virginia ). To show their counsel 's effort at getting me to ignore the lawsuit, I'm attaching their attempt to settle the debt which I declined and which they failed to prove the following day ( XXXX Bank of America XXXX XXXX XXXX ) Here is the issue : XXXX. This account shows as having been charged off over a year ago ; suddenly, today XX/XX/2024 I saw a balance on this account reporting via XXXX. 
XXXX. A charged-off account can not have a balance. According to XXXX : " BANK OF AMERICA has reported your account as over or at your credit limit '' on XX/XX/2024. This must be a mistake as the alleged account is charged off, and charged off accounts can not carry a balance. 
XXXX. I already reported this new development to XXXX via online Dispute. However XXXX " confirmed '' the information as valid with BANK OF AMERICA and did not make any changes. 

Here is what I want to have happen : This information is false & is adversely impacting my credit, and I demand that it be removed and/or the false information ( the balance on the account ) be corrected to show 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 2024-03-16 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: TX

Complaint narrative:
Im making this report because i have already filed with my local police department and i need this taken care of because the account on my report is not mines.

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 2024-03-16 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: MOHELA
State: FL

Complaint narrative:
Subject : Reporting Privacy Violations and Inaccurate Credit Reporting by MOHELA writing to report serious privacy violations and inaccurate credit reporting by MOHELA XXXX Missouri Higher Education Loan Authority ) regarding my student loan account. The issues began when the servicer was changed from XXXX to MOHELA, not only reporting more inaccuracies but accounting information that was disputed prior and when I discovered that MOHELA had been reporting my accounting information in a manner that violates the Privacy Act of 1974 and infringes upon the protections afforded by the Family Educational Rights and Privacy Act ( FERPA ). Sensitive financial and educational data related to my student loan account has been disclosed to unauthorized parties without my consent.

Furthermore, despite regulatory requirements, MOHELA has failed to provide me with the monthly opt-out option, as mandated by 16 CFR 313.15. This failure to comply with regulatory mandates deprives me of the ability to control the dissemination of my personal information and raises concerns about MOHELA 's commitment to consumer privacy and transparency. 

I have taken several actions to address these issues : XXXX. XXXX : Discovered unauthorized disclosure of sensitive financial and educational data by MOHELA. 
XXXX : Contacted MOHELA to inquire about the unauthorized disclosure and request an explanation. 
XXXX. XXXX : Submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding MOHELA 's privacy violations and failure to provide the opt-out option. 
XXXX. XXXX : Notified all major credit bureaus of the inaccuracies in my credit report caused by MOHELA 's erroneous reporting. 
XXXX. XXXX : Submitted a 1099-C form to the IRS for cancellation of debt related to my student loan account, which should reflect in my account status. 

Despite these actions, the privacy violations persist, and MOHELA 's inaccurate credit reporting continues to negatively impact my creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
You are continuing to put inaccurate information on to my personal credit report. You are violating my rights as well as my life causing constant obstacles as you continue to go against the laws that congress put in place to protect my rights. You are reporting inaccurate information on my personal credit report. I have not live at these places and it indicates that I owe rent. You are continuing to go against the law and make it extremely difficult to live a good life because of the inaccuracies that you continue to put on my credit report. I recently sent your office a certified complaint. Explaining the how you are ruining my life by violating the consumer laws that are put in place to protect me. You are breaking the law. Please understand that you are violating my rights

Company response to consumer: Closed with explanation