vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I had a PayPal I opened in my name in XXXX I e used it toake purchases such as a XXXX XXXX machine from XXXX. And now the account is in my mom 's name who i never gave authorization to be switched and she is passed away and her estate in probate. I have a good amount of XXXX on this account and not allowed to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I have been over paying my mortgage but they keep putting it into an unapplied account instead of applying it to my principal I called Mr cooper and told them just apply any over amount to my principal they said ok and then the next month nothing changed it just keeps going to unapplied accounts I called them last week they said they would take care of it but I havent seen changes the website doesnt really help out its mostly for making payments and refinancing Ive had so many problems with Mr cooper XXXX been trying to to do an assumption to get my ex wife off my mortgage for the XXXX yrs I finally just gave up they just keep giving me the run around and holding paperwork till its pass its dead line then tell me I got reapply

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In the afternoon of XXXX XXXX, 2024, XXXX fraudulent wire transfers totaling over {$100000.00} were set up and made out of my business checking account held in Citibank. I alerted Citibank about the fraud the next morning. Citibank didn't alert me about the wire transfer setup, nor the actual wire transfers going out of my account in any way or form - No emails, texts or phone calls. I have never had any wire transfers in my checking account.

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 monetary relief
Consumer complaint received 2024-12-30 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: MA

Complaint narrative:
To the Reviewer or Reviewing Committee, I have received a total of 5 hard inquiries from XXXX : XXXX XXXX NA inquired on XX/XX/XXXX XXXX CARD inquired on XX/XX/XXXX XXXX BANK XXXX inquired on XX/XX/XXXX XXXX CARD inquired on XX/XX/XXXX CITI CARDS/CITIBANK inquired on XX/XX/XXXX I have received a total of 2 hard inquiries from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX the XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX inquired on XX/XX/XXXX XXXX have received a couple of " Account Review Inquiries '' on XX/XX/XXXX from XXXX : I have submitted multiple hard inquiry disputes to all three credit bureaus, XXXX, XXXX, and Transition XXXX regarding this and have settled with putting my accounts on credit freeze. 

I did not apply or request for any account, business, or credit card with the following entities on these dates therefore, do not recognize these to be hard inquiries under my account. These hard inquiries have made it so that my credit score has declined, which has caused my mental wellbeing as I aspire to be a first-time homebuyer soon. The hard inquiries are stated to last until the year of XXXX. Additionally, I have been receiving letters in the mail stating that my account was not approved due to " multiple inquiries associated with your credit '' - this is untrue as I did not apply to these entities. This raises another concern of the potential of applying for new credit cards I have been considering. I need these hard inquiries to be removed from my record as they were not mine.

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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX, and XXXX, XXXX, several banks ran hard inquiries to apply for credit cards or bank accounts that I never applied for. 
XXXX XX/XX/XXXX 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

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 2024-12-30 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-12-30 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX failed to protect my private information. On XX/XX/year> XXXX XXXX issued an Executive order to protect the sensitive and private information of all Americans. The Executive Order focuses on Americans ' data security, sensitive information, including genomic data, biometric data, personal health data, financial data etc XXXX extorted the use of my credit by conspiring with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. UNDER the law 18 USC 894 this is a violation of Conspiracy. The law clearly states that whoever knowingly participate XXXX, Equifax, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Credit Reporting Agency, is a Third-Party Collection Corporation XXXX It is in violation of 18 USC 894Conspiracy. The law clearly states that this is a violation against this corporation. XXXX Credit Agency has no right to my private and personal information. 15 USC 1681No permissible purpose. 18 USC 894- States whoever knowingly participates in any way or conspires to do so in the use of any extortion means to collect any extension of credit or to punish any person for the nonpayment. Therefore shall be fine under the title or in prison not more than 20 years. Conspires means_ someone who commits a crime. XXXX Conspired with credit furnishers such as 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 by providing these corporations my private information without my knowledge or consent. These are strangers and I do not know or have a binding contract with XXXX and or any of the corporations who was given my information without consent. This is also aggravated identity theft on XXXX 's part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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 contacting you to inform you that I am a victim of multiple data breaches from XXXX, A Hospital, the dark web, etc therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or illegally opened to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within XXXX Business Days.

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 2024-12-30 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I 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 actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
XXXX XXXX First thing that I have noticed is that they use XXXX as a third-party money transfer. when I go to enroll in XXXX, XXXX told that I have to have an account for 90 days. Furthermore, I have this account since XX/XX/XXXX so XX/XX/XXXX qualifies me to have an account over 90 days, but the message I received is that you can not enroll because you do not have an account for 90 days. 
When I reached out to the representative, I let them know the message that I received. They said OK we see that you do qualify for the upfront qualifications, but we do have a confidential qualifications that you do not qualify for. So basically Im being denied to use XXXX without a verse action on the reason why.

Also, another money transfer that they offer is XXXX XXXX XXXX XXXX does not allow you to add money back to your bank account. I have went through the verification process and they said that they are still fixing the issue regarding you adding money to XXXX XXXX. 
The error message that I received are totally invalid and theyre misleading and misrepresented of the reason why I am unable to conduct services under the third-party services that they offer

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or made due to the breach, and I request that they be permanently removed. 
Accounts : XXXX. XXXX XXXXXXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX SelfReported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$8.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, and as a result, I request that the following accounts and inquiries be immediately blocked and deleted from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently opened or made due to the breach, and I request that they be permanently removed. 
Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$0.00} XXXX. XXXX SelfReported o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$8.00} Inquiries : XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-12-30 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I applied and was granted a discharge of remaining balance of these loans due to the proof I submitted that I was defrauded by my school. Ive been paying for years and have suffered unbelievable financial hardship. I want a refund of all monies paid to help me pay off my credit cards and maybe some semblance of savings and life back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
XXXX. Online American Express Gold Card marketing materials state " No Foreign Transaction Fees '' are a benefit of using card when traveling abroad. I had been directed to Gold Card page from my account page to learn this information. 
XXXX. XX/XX/XXXX : Learned in communication via " Chat '' with AMEX that there are two kinds of Gold Cards, " Traditional '' with an annual fee of {$95.00}, and another Gold Card which charges {$320.00}. The latter is the No Foreign Transaction Fee card. Who knew? Even the Chat guys had to check up on this. Of course, I have had the {$95.00} card since XXXX. 
XXXX. The Foreign Transaction Fee in my XX/XX/XXXX statement is {$990.00}. 
XXXX. The Fee is 2.7 % to convert dollars to euros. I used XXXX other cards on this trip. The fee was XXXX. 
XXXX. AMEX has been sued in the past for just this sort of XXXX. 
XXXX. I retired from a large multinational investment finance business this month, no way no how a large institution like AMEX bears fees or costs of 2.7 % to exchange currencies. 
XXXX. This fee is a nuisance fee, hidden and spring loaded. It is egregious in its quantity. 
XXXX. I will pay my bill in its entirety when due, XX/XX/XXXX. 
XXXX. I cancelled the card today out of sheer disgust with AMEX. 
XXXX. The XXXX guys did nothing to retain my business or address my concern. They processed my cancellation promptly. Nice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I canceled my Coinbase membership after my free trial but I have been consistently charged monthly. I re-canceled after coinbase took no action. So far the 've charged me more than 6 times a {$34.00} monthly fee. I emailed support @ coinbase.com asking to get a refund of all the monthly charges. I got crickets. Also, I have tried to collect the dollars in my account and some are still pending... The part I received took XXXX the time they advertised. That is Weeks!! and not days. I have a few XXXX dollars still sitting on their system, and no return. It is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX is violating the law by reporting XXXX accounts that 1 ) I was never given a notice for. According to the FCRA they have 5 days for a written notice to be given. Also these accounts have an arbitration clause. I dont know who gave them the right to collect on a contract with a clause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
XXXX XXXX is violating the law by reporting two accounts that 1 ) I was never given a notice for. According to the FCRA they have 5 days for a written notice to be given. Also these accounts have an arbitration clause. I dont know who gave them the right to collect on a contract with a clause.

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 2024-12-30 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: DE

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2024-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear XXXX  : A couple weeks ago, I received a loan payment packet in the mail from TIAA Bank. I don't bank through TIAA, but it included mortgage loan payment coupons, envelopes, and other information that are very misleading. They made it sound like my loan ( which is a Reverse Mortgage that I pay payments on monthly through XXXX XXXX XXXX had been converted to a loan through TIAA. The loan coupons covered XXXX, XXXX, and XXXX, so it looked like I was behind in payments. I tried calling them multiple times, but just kept getting recordings. I finally reached a person that was with a collection agency, and he asked for the loan number. I responded with the loan number that was on the coupons, and he said the number would start with a XXXX. I told him it was all the information I had, and that my loan had been with XXXX XXXX for about 3 years. We hung up and I called XXXX XXXX. They informed me that my loan was still active with them, and was not in default. The person I spoke with also told me the packet I received was a ploy to get me to move my loan, and had I sent a payment to them, they would have transferred my account automatically. That's really dishonest, and had me in a total panic, thinking my mortgage loan was in default and in jeopardy of foreclosure. I'm XXXX XXXX XXXX, and I don't need that kind of stress. Please stop TIAA Bank from this practice, which I think should be illegal, if it isn't already. 

I took pictures of the items in the packet I received, copied them to a XXXX document, and tried attaching them. Your system says the document is too large. Is there an e-mail address I can send them to? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation