vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 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: CA

Complaint narrative:
I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.

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 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has repeatedly refused to cash CASHIERS CHECKS that are valid and payable to me IMMEDIATELY. I have to argue with them because cashiers checks are guaranteed funds but Im told by the teller that Wells Fargo has a permanent note in my account ( for no legal reason ) to not cash checks for me and to not give me cash This isnt even legal to do as the bank has never contacted me to tell me there is anything wrong with my account. The embarrassment and emotional distress it has caused is unlawful and unacceptable to be told in front of other patrons that they must put a hold on cashiers check funds? For what lawful reason?

Wells Fargo has been sued in the past for putting illegal holds on patrons funds in order for the bank to benefit financially and This HAS TO STOP.

Wells Fargo repeatedly breaks the law in order for financial gain done globally Im sure Im not the only customer it does this to, RICO charges need to be filed on this bank for Unlawful business practices that benefits the bank while harming its customers

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: NEW YORK COMMUNITY BANCORP INC
State: OR

Complaint narrative:
When I applied for this loan I was told by my mortgage broker that once the loan hits 80 percent LTV that the PMI would automatically come off. I have been making 15 year loan payments and its a 30 year loan. There is a process to request to remove PMI. I called Flagstar to start this process. We are still about XXXX dollars short of the 80 percent mark. Two different people have explained to me that I can request the dollar amount that guarantees I will get the PMI for the loan removed. I requested that dollar amount. I know what the LTV ( at the time of purchase ) will be. I simply wanted to know that if I make that principle payment they will remove the PMI. I received a letter today stating that my LTV isnt at 80 percent with no principle payment amount to remove it. I was also informed in the letter that it now has to be 75 percent or less based on the current value. That is not what I have ever been informed. It also states that I have to pay for a property valuation at the cost of XXXX dollars. That has never been discussed. I simply want to know that once I make this principle payment ( I want a total ) that will get the loan to 80 percent that they will drop the insurance requirement. It does not matter what this house is worth currently I was told I only had to get my loan to 80 percent LTV. I want to know they will remove that once I make the payment they tell me. This is fraudulent behavior and a way to get insurance out of people that are not at risk of default. Our old servicer did not require this and when Flagstar took over they are required to follow the original servicers policy.

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 2024-08-19 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: TX

Complaint narrative:
Recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2023 I'm now requesting you investigate this account and update these payments to paid on time immediately. Per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Thank you for your understanding and prompt action.

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 2024-08-19 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:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them 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 2024-08-19 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and notice some things are incomplete and not accurate. and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do the ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in gener
al, after any reinvestigation under paragraph ( 1 ) of any information disputed

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 2024-08-19 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: NJ

Complaint narrative:
I am disputing several items on my credit report that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to investigate and correct or delete inaccurate information. I demand that these errors be removed within 4 days. Failure to comply will result in further action, including a formal complaint with the CFPB.

Please confirm the removal and provide an updated 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 2024-08-19 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:
I'm writing to raise concerns about a few issues I've encountered with the credit bureau. These include false account listings, numerous unauthorized inquiries, inaccurate credit reporting, inconsistent billing, and accounts that don't belong to me. 

I need help resolving these issues to ensure my financial security. Please investigate my situation and advise me on the next steps.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
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 1681i [ 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 reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They took away all rewards points right after they closed my account that's against the law in NXXXX 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 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, Bank of America alerted me to four fraudulent charges on my credit card, each made within minutes of each other, and all charged to the XXXX XXXX. I immediately filed a fraud dispute and received a new credit card. To this date, Bank of America has refunded only two of the charges. See statement below. 


XX/XX/2024 XXXX transaction for Transaction date : XXXX DISPUTE Type Bank Transaction - {$2100.00} {$2600.00} XX/XX/XXXX XXXX transaction for Transaction date : XXXX DISPUTE Type Bank Transaction - {$2600.00} {$4700.00} XX/XX/XXXX XXXX transaction for Transaction date : XXXX XXXXXXXX XXXX  Type Purchases {$2600.00} {$7400.00} XX/XX/XXXX XXXX transaction for Transaction date : XXXX XXXXXXXX XXXX  Type Purchases {$2100.00} {$4700.00} XX/XX/202XXXX XXXX  transaction for Transaction date : XXXX XXXXXXXX XXXX Type Purchases {$2600.00} {$2600.00} XX/XX/202XXXX XXXX transaction for Transaction date : XXXX XXXXXXXX XXXX  Type Purchases {$2900.00} - {$79.00} I have contacted Bank of America four times since this happened. They are insisting that the two charges to the XXXX XXXX for XXXX and XXXX were never charged against my balance. However, as you can see from the statement above, that is clearly not the case. 

The Claim ID number is XXXX. 

I would appreciate any assistance you can provide to help me get those charges removed from by balance. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I initiated a substantial transfer of funds from my Coinbase XXXX $ ( Cash ) account to my established checking account via ACH transfer on XXXX. Coinbase stated the transfer went thru. As of XXXX there has been no transfer of my funds from Coinbase to my checking. I've contacted my bank and they have no record of a deposit from Coinbase to my checking. However, interestingly, Coinbase was successfully able to withdraw a small amount of money from this exact checking account on XXXX. 

My bank asked for the XXXX digit ACH trace number associated with this transaction. Coinbase is refusing to provide me with this information. They are refusing to discover where a significant amount of my funds have gone, they are refusing to provide me with a XXXX digit trace number, they are refusing to speak to me over the telephone. They are refusing to resolve this issue and from my perspective, they have essentially stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: IA

Complaint narrative:
I am filing this complaint against credit bureaus due to their repeated failure to respond to my dispute letters regarding inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the proper channels, the credit bureau has not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Despite these multiple submissions, credit bureaus has not provided any response, confirmation of investigation, or correction of the disputed information. This lack of response is a clear violation of the FCRA, which mandates that credit bureaus must investigate disputes and respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: The CBE Group, Inc.
State: IA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report Have requested that they provide the purchase agreement to show full ownership of such account and also other documents So I may review to see if this is the actual account account that belongs to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I was purchasing cryptocurrency ( XXXX ) on the exchange platform " XXXX ''. I had intended to buy {$200.00} USD worth. I have done this many times before, and have never had this happen. I initiated the purchase using the same account I have always used. After clicking the " buy '' button, on the XXXX app, I shortly received an email, saying I had " insufficient funds ''. This was absolutely not the case, I had more than enough funds in the account. Later that day, I logged onto my online banking app ( Truist bank ), and found that the {$200.00} had indeed been charged. I thought it was odd, but I assumed it might be a technical error, after reading similar experiences online that other people had buying/selling cryptocurrency during times of high traffic on XXXX. So I waited. I found the following day, that the {$200.00} charge was no longer pending on my account, and had gone through successfully. I checked my XXXX account, and I had not received the XXXX. Over the following 2 weeks, I reached out to XXXX support 4 times, No solution. I submitted a dispute with Truist, they denied it, saying I authorized the charges. I am not sure how this would not qualify as fraud. I paid {$200.00}, and got nothing in return.

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 2024-08-19 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:
I never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this 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 2024-08-19 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: NV

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are not related to me, and I have no connection with the listed creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: NV

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 1681i [ 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 reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report 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 non-monetary relief