vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. JUST NEED THIS REMOVED BEST WAY POSSIBLE XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: TN

Complaint narrative:
On Friday, XX/XX/XXXX, I went to First Citizens Bank in XXXX XXXX, TN, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX. I requested to speak with XXXX XXXX due to the fact that I had dealt with him previously about trying to open an account for my XXXX in XX/XX/XXXX. I actually should have went off the outcome of that interaction because I was told they had to have a SSN to open an account, which a SSN is unlawful to ask for, however, I went ahead and went back because I was looking to open a personal account this time and the interaction wasn't all bad. On Friday XX/XX/XXXX, I went to XXXX again. We chatted, I asked several questions about the account and the services offered. He advised it would be {$50.00} to open the account. I agreed and told him I'd be back once I had the {$50.00}. We actually were laughing and joking as I was on my way out the door. Monday, XX/XX/XXXX, I went back to open the account and asked for XXXX again. Before I could even sit down, he tells me they could not open an account. I asked why and he claims that he spoke with his 'higher ups ' and they concluded they are choosing not to open an account for me. I'm pressing the issue because XXXX is talking in codes and not trying to say what the actual issue is. As I keep pressing because I tell him I'm not satisfied with what he is telling me, he says because of the issue with me trying to open an account for my Trust in XX/XX/XXXX and the complaint that was made because of it ( I never made a complaint which I should have ) and the questions that I was asking him about opening a personal account, the bank made the decision not to open it based on those factors. I asked what the questions being asked had to do with anything. XXXX proceeds to give me a bogus answer about " things that have been happening at the banks within the region ''. I asked him what things and he continued to give cryptic answers. I tried to get an understanding before I left as to what the real reason was for him not opening an account and I left confused with no answer. I don't know what XXXX thought I was trying to do with my account with the questions I was asking but, I was just trying to open an account because I didn't have one at the time. I feel completely discriminated against and don't know why I was treated in that way. My sister was with me and she gave him some things to read the Friday we were there and he did say based off of the federal laws he read, part of the decision was based on that. I was denied my right to conduct business for personal, family, and household purposes. I feel totally discriminated against by XXXX XXXX and First Citizens as a whole and I want answers as to why I was turned away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Account kept charging me over drafts before they advised they would 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 explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, 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 am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file:XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX  XXXX Unpaid Balance {$830.00} ; XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One is reporting this account as charged off. Capital One can not collect on a discharge debt. 

Per 12 CFR 1026.11 any consumer account termination that has a credit balance over {$1.00} is due to my the consumer. 

Per the Privacy Act as a federally protected consumer I have a right to privacy. My financial history with Capital One is not public information and should not be released to XXXX. The ONLY credit bureau recognized by federal law is the Consumer Financial Protection Bureau and they do NOT furnish consumer reports therefore XXXX does not have my written consent to release my non public financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX is reporting this account as charged off. XXXX XXXX can not collect on a discharge debt. 

Per 12 CFR 1026.11 any consumer account termination that has a credit balance over {$1.00} is due to my the consumer. 

Per the Privacy Act as a federally protected consumer I have a right to privacy. My financial history with XXXX XXXX is not public information and should not be released to Equifax. The ONLY credit bureau recognized by federal law is the Consumer Financial Protection Bureau and they do NOT furnish consumer reports therefore Equifax does not have my written consent to release my non public financial information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, 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:
XX/XX/2023 Experian Information Solutions Inc . 


I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name XXXX XXXX XXXX XXXX  All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, There are multiple Soft Inquiries that are NOT AUTHORIZED :

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 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
This is XXXX XXXX, and I am submitting this CFPB Complaint to inform you of the fraudulent activities I recently discovered on my Credit File. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. I need the following inquiries removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Sent letters to all three credit Bureaus and XXXX XXXX but no actions nor response up yet, Unverified account and inquiries what do not belong to me are listed below is still reporting on my credit report which is a violation of Federal Law. The 3 Credit Bureaus failed to comply with the Federal Credit Reporting Act. I am sending this complaint to ask for your help to remove/update the concerned account listed below that I found inaccurate and unauthorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX CAP ONE NA XXXX XXXX CAP ONE NA XXXX XXXX CAPITAL ONE XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) Insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please remove these inquiries from my credit report immediately. 

If any of these companies purport a hard pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of person who pulled my credit.

2 ) Date they purport that I gave permission. 
3 ) Method, they purport I gave permission. 

Please send me a new credit report reflecting the changes. 

Thank You, XXXX XXXX NOTE XXXX PLEASE SEE ATTACHMENTS

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 2023-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to report a grievous issue with Wise.com related to two wire transfers I initiated on XX/XX/XXXX, for amounts of {$15000.00} and {$15000.00}. The Wise.com app indicated that the transfers would be completed within 45 minutes and 2 hours respectively. These transactions were wired to a XXXX XXXX account in Wise.com 's name. 

Despite waiting through the weekend, the funds were not transferred. Upon contacting Wise.com, they denied receiving the funds and advised me to check with my bank. I shared the wire transfer instructions and confirmation with Wise.com, after which they confirmed the correctness of the account number used. 

I contacted Wise again on XX/XX/XXXX, and they reiterated that they had not received the funds and suggested my bank should be able to trace it. My bank reviewed the transaction and confirmed the wire was sent to the intended account, which Wise.com had previously confirmed. 

On XX/XX/XXXX, Wise.com still denied receipt of the funds and suggested I initiate a trace of the wire and a potential recall. I followed their advice and initiated a trace with XXXX XXXX through my bank, XXXX XXXX. 

Even after providing Wise with the wire transfer confirmation and federal trace number, they maintained they had not received the funds and made no attempts to contact XXXX XXXX to trace the money. 

Wise.com has now advised that I initiate a recall which could take several weeks. They also stated that if the recall is unsuccessful, there will be no way to recover the funds. Despite multiple confirmations from different Wise representatives that the account used for the wire was correct, Wise.com appears to be shifting the burden onto me and making no effort to locate the funds. 

The misleading transfer time advertised and their lack of effort to resolve the issue have caused significant frustration and inconvenience. I hope that CFPB will help in resolving this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: CA

Complaint narrative:
On XX/XX/2023 I requested that Albert Genius close my account. They would not, as I was told I had to unlink my primary external bank account. I tried to unlink my external bank account, but I kept getting an error message stating Unable to UNLINK primary bank account. I informed the customer service rep at Albert about this error. I tried over multiple days and I could not unlink my primary account. I was charged an {$8.00} by Albert and it caused a {$30.00} overdraft. I made the rep at Albert aware of this. I also filed a complaint with the Better Business Bureau to no resolve, as Albert insisted that I needed to unlink my bank accounts continue with account closure. However, I can not unlink my bank accountant because their system wont allow me too. Today, as I logged into my bank account, I had another {$8.00} charge from Albert Genius AGAIN. And I was charged a {$30.00} overdraft fee by my bank AGAIN for the second time in 2 months. This was after over 10 emails with customer service reps informing them to close my account. And after the Better Business Bureau complaint, Albert answered that I must unlink my account. But I can not be because the system will not allow me to. I want Albert to close my account and stop withdrawing funds. I would also like a refund if the {$16.00} in charges AND the {$60.00} in overdraft fees that Albert has caused.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ERC
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act, Enhanced Recovery # XXXX, has violated my rights. 

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 an account without my written instructions

Company response to consumer: Closed with explanation