vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: WV

Complaint narrative:
Went through changing it to try to have this removed from XXXX XXXX being on my credit and harming it and according to the fcra it needs to be removed because it does show closed it has a balance and a pay history and in the remarks it even says closed and they want to leave it there XXXX XXXX  Against all fcra regulations this should be deleted even as a good will deletion. Every time I contact them to dispute it they always come back with the same scenario they contacted them it's correct when it's not and they know it is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TransferWise Ltd
State: NY

Complaint narrative:
Wise changed the interest rate on my USD balance+ account several times without providing any direct notice to customers, resulting in financial loss and unnecessary frustration. While Wise claims their terms allow rate changes without " prior notice, '' this clause is being misinterpreted to absolve them of notifying customers at all, which undermines transparency, consumer trust, and legal compliance. 

KEY CONCERNS " No Prior Notice '' Does Not Mean " No Notice At All '' : Wise 's terms state that interest rates are variable and subject to change without prior notice. However, this does not absolve Wise of the responsibility to notify customers within a reasonable timeframe after the change occurs, particularly when it negatively impacts financial returns. The complete lack of direct communication demonstrates a disregard for fair dealing and customer expectations. 

Potential Non-Compliance with the Truth in Savings Act ( TISA ) : Under TISA ( Regulation DD ), financial institutions are required to provide advance notice of changes to terms that reduce the Annual Percentage Yield ( APY ) or adversely affect customers.

Wises reliance on posting updates to their website or blog does not meet the TISA standard for direct and timely communication.

If Wise is claiming that no advance or direct notice is required at all, this policy appears to contravene the laws requirements for transparency and consumer protection.

Transparency and Customer Trust : Wise claims to maintain transparency by providing updated rates on their website or blog. However, expecting customers to monitor external sources regularly for changes affecting their accounts is both unreasonable and insufficient. Direct notifications ( via email ans app alerts ) are the industry standard and should have been used in this instance.

Unnecessary Stress and Time Loss : The lack of transparency and accountability of Wise caused me to spend significant time investigating the issue, contacting support, and lodging this complaint. Wises refusal to provide meaningful resolution or compensation has only added to the frustration and inconvenience.

SUPPORTING DOCUMENTATION - Wises response letter ( dated XX/XX/year> ), which confirms their failure to provide direct communication and references the " no prior notice '' clause. 
- The program terms cited by Wise, which emphasize variable rates but fail to address reasonable notification obligations adequately. 

CLOSING STATEMENT Consumers have a right to be informed about changes that impact their finances, even if prior notice is not required. Wises failure to provide any direct notification about the rate change demonstrates a lack of transparency and potential non-compliance with the Truth in Savings Act ( TISA ). I urge the CFPB to investigate this matter thoroughly and ensure Wises policies align with legal requirements and industry standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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:
Trust agreement was entered between XXXX and myself. This company committed security fraud by trading this note in questing and not providing me the books so I properly balances the books with the United States Treasury to receive my credits bask from this trust agreement. Per the attached letter concerning UNITED STATES business entities I.E ALLY BANK. who commercially-operates on the United States Public markets and excepts and/ or exchange in the United States currency while providing good and or services to U.S. customers/consumers in everyday commerce. Your business entity is federally-bound to UNITED STATES AND U.S. public debt obligations. like this vehicles contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: FL

Complaint narrative:
Trust agreement was entered between XXXX and myself. This company committed security fraud by trading this note in questing and not providing me the books so I properly balances the books with the United States Treasury to receive my credits bask from this trust agreement. Per the attached letter concerning UNITED STATES business entities I.E ALLY BANK. who commercially-operates on the United States Public markets and excepts and/ or exchange in the United States currency while providing good and or services to U.S. customers/consumers in everyday commerce. Your business entity is federally-bound to UNITED STATES AND U.S. public debt obligations. like this vehicles contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Trust agreement was entered between XXXX and myself. This company committed security fraud by trading this note in questing and not providing me the books so I properly balances the books with the United States Treasury to receive my credits bask from this trust agreement. Per the attached letter concerning UNITED STATES business entities I.E ALLY BANK. who commercially-operates on the United States Public markets and excepts and/ or exchange in the United States currency while providing good and or services to U.S. customers/consumers in everyday commerce. Your business entity is federally-bound to UNITED STATES AND U.S. public debt obligations. like this vehicles contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: SC

Complaint narrative:
I have recently reviewed my consumer report and informed your agency XXXX XXXX, XXXXregarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ).

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There were four hard inquiries placed on my credit report by four lenders, all happening around XXXX XXXX, on Thursday, XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX JP Morgan Chase XXXX XXXX I have contacted all three credit bureaus and demanded that these hard inquiries be removed immediately as fraudulent, and have had them place a freeze on my credit report, as well as a XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
There were XXXX hard inquiries placed on my credit report by XXXX lenders, all happening around XXXX XXXX, on Thursday, XX/XX/year> : XXXX XXXX  XXXX Citibank XXXX XXXX XXXX XXXX XXXX I have contacted all three credit bureaus and demanded that these hard inquiries be removed immediately as fraudulent, and have had them place a freeze on my credit report, as well as a XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: IN

Complaint narrative:
My identity was stolen and used to damage my credit score COLLECTIONS ARE 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 XX/XX/XXXX Most of these collections don't even have the original creditor on the report and most information in not accurate I need all collections and inquiries removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: IN

Complaint narrative:
My identity was stolen and used to damage my credit score COLLECTIONS ARE XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Most of these collections don't even have the original creditor on the report and most information in not accurate I need all collections and inquiries removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding my recent experience with a fitness program called XXXX. Here are the details of the issue : In early XXXX, I came across XXXX on social media. After inquiring, I added their contact on XXXX and had a phone conversation with a representativea man of XXXX origin. He pressured me to make a payment quickly. I specifically stated that I only wanted to try the program for one month, and he assured me that this was possible. Based on this assurance, I signed a contract and paid over {$400.00} for XXXX month of coaching. 

Later that evening, I discussed this with my wife, who suggested that hiring a personal trainer at a local gym would be more effective. I decided to contact XXXX through XXXX to negotiate a cancellation. However, they did not respond to my inquiry. As a result, I submitted a refund request through Chase Bank. 

Two days later, they replied, stating that I had signed a contract that required me to pay 50 % of the six-month coaching fee as a cancellation penalty. They never verbally informed me of this condition. Moreover, they failed to disclose that I had signed up for a six-month service rather than a one-month trial as I had requested. I relied on their verbal explanations, as I am not fluent in English and did not thoroughly review the contract. 

To date, I have not received any services from them, yet they continue to deduct money from my account every month. Most recently, I received an email from my bank informing me that another $ 400+ has been withdrawn from my account, even though I have not agreed to these ongoing charges.

I am extremely upset about this situation and firmly believe I am entitled to a full refund. The service was misrepresented, and I have not received any value from the program. 

Please address this issue promptly and process my refund as soon as possible. If necessary, I am willing to escalate this matter to consumer protection authorities or seek legal assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX Bank ( care credit ) closed my account a few weeks ago because a payment of XXXX was returned due to incorrect account information. I typed the account number wrong. Missed by one digit! They closed my account and manager told me this company dies it continuously and many times its an IT issue! They need to be punished for this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: NJ

Complaint narrative:
I submitted to al Three credit bureaus, my police report, my DL, SSC and utility bill. I followed all steps from identity theft gov.. I submitted prepared letter from identity theft.gv and I keep getting the same message back as verified. I asked for the proof of signed documents by me and payment history, but never received anything back. I have been doing this for over an year now, inspire of my police reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MI

Complaint narrative:
In XXXX I reached out to XXXX XXXX  and sent them an OPT out request. I recently pulled my credit report and saw that you are still reporting their information about me. Under 15 USC 6802 I have the right to OPT out and have protections from the sharing of my nonpublic personal information to non affiliated third parties including the Credit Agencies. This is a violation of my request. 

I would like you to stop sharing my non public personal information. I have added the complaint to my request for your review. 

I have also added the letter I sent to XXXX. 

Your timely help with this matter would be much appreciated. 

Complaint ID 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 2024-12-20 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TX

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX BANK 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 2024-12-20 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: EQUIFAX, INC.
State: TX

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi Bank accepted an electronic payment from XXXX which was addressed to my sons that I have on my account as beneficiaries. These funds were held for a year and my account frozen. Only after contacting CFPB and filing a complaint they made any effort to reverse these funds and close the account. The account was finally closed last month and sofi claimed they reversed the funds of {$9800.00} back to the remitter. As of today XX/XX/year> The remitter still has not recieved this ACH payment which shouldn't have taken more than a few days. It's been over a month! Now they claim they need to investigate. This bank is horrible at commination, and leaves customer in the dark with little to no information. I need to know where these funds are, I don't see why they can't track these funds with the transaction # and resubmit this money so we can end this nightmare. I don't suggest anyone open an account with this bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: IN

Complaint narrative:
My identity was stolen and used to damage my credit score COLLECTIONS ARE XXXX XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$340.00} XXXX XXXX XXXX XX/XX/XXXX {$510.00} HARD INQUIRIES ARE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Via Dealer XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Most of these collections don't even have the original creditor on the report and most information in not accurate I need all collections and inquiries removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 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: NY

Complaint narrative:
I notice on my credit report that an inquiry from dept of education. I would like this deleted from my consumer credit fico 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