vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please reimburse me for the funds loss resulting from the damages caused on my checking account that was frozen/blocked in the amount of {$670.00} which includes {$610.00} late fee and {$61.00} checking recovery fee changed by the tax collector of XXXX XXXX XXXX I wrote check no XXXX for the amount of {$6100.00} and it was rejected bounced resulting from bank error. The check was not honorred by the bank. I personally visited Citibank in XXXX CA on XX/XX/year> and requested to know if I could write checks on the account. The account had a fraud issue on the account occurred by internal affairs of the bank approximately a year priror. The teller XXXX XXXX assured me that my account was ok and it ok to write check on the account. Unknowing to me XXXX XXXX was a new teller and did not know what she was doing ( I learned this later after talking with her ). She appologized for her error and hopes the bank reimburse me for my loss funds. I presented XXXX XXXX with my physical check and ask her to verify this because the fraud issue occurred on my account prior. She note again it was ok to write checks. The check were utilimately returned unpaid by the bank. Thus resulting is loss of {$670.00}. The bank has refuse to response to my request for reimbursement or even provide a written response. I got call from banch XXXX indicate that the bank has demanded that he does not provide any written communication.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
I have been paying the minimum payment but choosing to have the payment disbursed specifically to the accounts that I want which is the choice given to me by the Edfinancial website. Even though I have made the minimum payments they are still showing accounts being behind because I have chosen not to have the payment spread out to all of the loans. Then threatening to hit my credit if I dont make payments across all of the loans. Sounds like XX/XX/XXXX. I am making the minimum payment and doing it in a way that is offered to me. If you dont want people to have a choice then dont offer one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc
State: IL

Complaint narrative:
Rented XXXX Paid for one day, paid in full. Company ran credit card twice, two separate days and kept attempting to charge credit card for different amounts in different days. Sent emails of random different receipts that were not when or what we rented. Dates, times and amounts all different. Stole credit card info. Had to cancel credit card to get them to stop charging my card and after got a collection letter then for another different amount. After several attempts to stop the harassment, we keep continuing to get harassed. This was found and proved to be fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX D.O.B is XX/XX/XXXX. I have recently sent a complaint regarding my credit report. I have been told i was late in XX/XX/XXXX but then i saw on my credit report, XXXX marked me late in XXXX. I know i was not late & XXXX advised me as well that the XXXX late payment was marked wrong & will be taken off my credit report. I disputed the late payment with Experian & was told that XXXX XXXX told them the info is correct. I was told multiple times that the payment marked late in XXXX was incorrect.

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 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
This is a re-dispute for cfpb complaint XXXX XXXX and Early Warning Services Dispute Case ID : XXXX where XXXX responded that my identity theft dispute came back as verified. EWS removed and blocked XXXX from my consumer report on XX/XX/year> and decided to rescind the inaccurate information to my consumer report on XX/XX/year> without any supporting documentation. XXXX needs to produce the way that my account was verified. I also requested the XXXX address to the fraudulent check that was deposited into my account and for the signature on the check to be analyzed because it does not belong to me. XXXX was unable to produce that. Also I requested that Survaillance videos or photos be released of whoever withdrew the funds from my account to prove my innocence, XXXX stated that there shouldnt be an issue because it was withdrew from XXXX  ATMs within their network. XXXX has yet to do so! In addition EWS and XXXX are in VIOLATION of law 605B of the federal Fair credit reporting act by not removing this from my consumer report due to identity theft. To conclude this needs to be removed from my consumer report if they can not validate the inaccuracies that they are reporting! This was originally submitted in XXXX, it should not take 3 months to have this removed from my consumer report. XXXX is not obligated to prolong the process of the removal of these inaccuracies if they can not produce supporting documents expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX ) : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE HELP ME, EVERY TIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2024-10-15 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: GA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: GA

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
On XX/XX/XXXX of XXXX, I had many of financial accounts compromised via my phone, one of which was my PayPal account. My PayPal account was accessed by someone other than myself, a debit card account opened, and {$1900.00} was spent at various stores that morning. The thief/fraudster also tried to transfer money to other individuals via PayPal. In all, {$4800.00} ( see account statement attached ) was transferred from my XXXX Checking account to PayPal to cover the fraudulent transactions. I reported the money transfers and debit transactions to PayPal as fraudulent and they opened an investigation. PayPal reversed the money transfers but found the debit transactions as NOT fraudulent. They said I was responsible for the debit transactions totaling {$1900.00} as they were " consistent with my spending behavior ''. I also reported all the activity to XXXX as fraudulent as that is where the funds originated from that were spent with the newly opened PayPal debit card. I filed a police report with the city of XXXX XXXX, as that is where the theft occurred, and filed an ID theft report with the FTC. XXXX recognized this activity as fraudulent ( the {$4800.00} transferred from XXXX to Paypal ) and withdrew the money from PayPal resulting in a negative {$1900.00} balance in my PayPal account. I spoke with many PayPal customer service agents who agreed that the activity looked appeared fraudulent, and that I should definitely appeal the findings. I did appeal, but PayPal refused to formally recognize the debit transactions as fraud. The amount has now been placed with internal collections and I can no longer appeal the decision as I have already done so. I strongly believe if PayPal were to look at this closer that the activity would most certainly appear as fraud as within a few hours of time, a new debit card was opened on my account and thousands of dollars spent in various ways from my PayPal account. Also, if they could observe video footage of the stores in which this new PayPal debit card was used, they would see that I did NOT enter any of them at the time of the purchases ( or ever ). I have been a PayPal customer for over 15 years and never have spent that kind of money out of my account within such a short amount of time. It is definitely not consistent with my usual activity. How can they recognize the money transfers as fraudulent, but the debit transactions as not? I have included copies of my police report, ID theft report, PayPal receipts/transactions related to this, etc. I would be happy to provide official documentation of XXXX 's fraud claim findings, if necessary. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: UT

Complaint narrative:
I opened a Wise account XXXX weeks ago. I followed their instructions to create what they call " Account Details '' by transferring {$20.00} to the account from my regular bank here in Utah, and set up the Wise account to be able to send/receive money in XXXX. ( I am trying to receive money from CAD into USD and then receive that money into my local bank account here. ) On XX/XX/year>, XXXX XXXX, a law firm in XXXX who is working with the sale of some land that I own in XXXX submitted a wire transfer for {$54000.00} CAD to the account which Wise directed me to. This account is located in XXXX, XXXX, and it is the " Account Details '' which Wise uses to bring the money into their system.

( Note : I have worked with XXXX XXXX and know them very well from earlier business in XXXX. They have always been prompt and helpful, without any kind of problem. ) I realize these things can take a few days to process, so I waited. 

I checked with the XXXX XXXX people a few days later to confirm they had sent the money. They had done so, and provided me with a pdf. of the sheet which showed the transfer. I personally checked all the account information ( account numbers, address, etc. ), to make sure there was not a problem. Everything was done correctly from the law firm. ( I have also been in contact with them to let them know about the problem, and they have been supportive. ) I then began to reach out to Wise, which has a customer service " chat '' which mostly has automated responses. When I finally got what seemed like actually useful information ( a request to upload the transfer details from the law firm ), I did as they requested then waited a few more days. 

I kept checking my Wise account to see if anything had shown up, but it is still showing only the original {$20.00} which was necessary in order to get things started. 

Finally, today, I went through the whole process with Wise again ( starting with their " chat '' based " customer service '' and this time they said they couldn't find any record of my having uploaded the transfer details ( which I had done several days ago ). I went through this process again, re-uploaded it, and they said they would look into it ( it's now been 11 days since the transfer occurred ). I believe they are stalling, or have no intention of helping me. This could be fraud. I informed them that I would be moving onto reaching out to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: 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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of 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 non-monetary relief