vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XXXX XXXX I receive a Letter from Wells Fargo Customer Care ( Please see attach files ) Informing me that I was enrolled in the Identity Theft Protection - Affinion - Product. Enrollment began on XX/XX/XXXX and ended XX/XX/XXXX. 
I was told at that time ( XXXX ) that due to my age ( XXXX ) it was not valuable to me. So I was not able to enroll, Little did I know that either Wells Fargo, or XXXX XXXX Had enroll me with out me knowing, and with out me Authorizing It. Age should not have been an Issue when it was being offer to younger person, I had an Excellent Credit Rating, and still have it to date. 

XXXX days later I receive another Letter from Wells Fargo Customer Care ( Please see attach files ) Informing me that I was enrolled in the Identity Theft Protection - Affinion - Product. 
Enrollment began on XX/XX/XXXX and ended XX/XX/XXXX. I did not at that time add this to my Credit Card due to It's cost. 

Both the Letters gave a phone Number on them to call If I had any Question, and Yes I called them, and was not Please with what I was told, on what the Compensation would be for this. Like every one else I did not Like being told I was to Old to add that Product to my card in XXXX, and as of to date I still do not like it.

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 2024-01-08 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: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. XXXX, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be XXXX XXXX  accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a XXXX  statement of what accounts need to be updated and corrected. I have already sent a letter XXXX XXXX XXXX  AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid XXXX  XXXX  FEES.

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 2024-01-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I was charged {$66.00} at a location called XXXX. This is not my transaction, nor anyoneI know as my card is ALWAYS on my person. I called in to XXXX XXXX ( XXXX ) and have tried to resolve this for several months. I cancelled the card and received a new one. They claimed they sent out an email for me to fill out, I could not find it so they resent another one on XX/XX/XXXX. I filled out immediately the same day and never heard from them again. In the process of them claiming they sent the first email to the second one, I was in the hospital for a bad reaction to XXXX. I called again on XXXX XXXX to find out what's going on with the refund, andI was hung up on 3 times! The last person told me I did not return the form in time ( XX/XX/XXXX ). I responded I did not receive the first form, ( I went back and looked in spam and regular email ) and I was hospitalized. Also, why would they resend the form on XX/XX/XXXX???? The lady hung up on me and told me they would not be issuing a refund due to my negligence!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: CA

Complaint narrative:
In XXXX of 2023 I sent XXXX, XXXX, and Transunion the following complaint. 

" I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four days as pursuant to the FCRA. Please exercise your grave responsibility to ensure that my privacy is respected and honored. '' The XXXX account was blocked and then rescinded with no lawful authority to do so. 
Pursuant to Title 15 USC 1681 c-2, the following consumer reporting agencies only have the lawful authority to rescind or decline to block under the following conditions. 

15 USC 1681c-2 ( c ) ( 3 ) - Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 


SO WHAT NEW INFORMATION DID YOU RECEIVE THAT WOULD GRANT YOU AUTHORITY TO RESCIND MY BLOCK!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: CA

Complaint narrative:
In XXXX of 2023 I sent XXXX, Equifax, and XXXX the following complaint. 

" I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four days as pursuant to the FCRA. Please exercise your grave responsibility to ensure that my privacy is respected and honored. '' The XXXX account was blocked and then rescinded with no lawful authority to do so. 
Pursuant to Title 15 USC 1681 c-2, the following consumer reporting agencies only have the lawful authority to rescind or decline to block under the following conditions.

15 USC 1681c-2 ( c ) ( 3 ) - Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

SO WHAT NEW INFORMATION DID YOU RECEIVE THAT WOULD GRANT YOU AUTHORITY TO RESCIND MY BLOCK!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 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: DE

Complaint narrative:
Unauthorized inquiry on XX/XX/2024 from XXXX XXXX mortgage company

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm Inc Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Affirm Ine absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed si acopy of my Identity Theft Report supporting my position, and acopy of my Police report showing the fraudulent items related ot your company that are the result of identity theft. Also enclosed si a copy of the CFPB 's Notice ot Furnishers of Information, which details your responsibilities sa an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request that encloses an Identity Theft Report, you are required to cease furnishing the Information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Ac, t that information you provided ot the CRA may be the result of identity theft. Those responsibilities include ceasing ot provide the inaccurate information ot any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account, and absolve me of all charges, take the steps required under hte Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Police Report Identity Theft Affidavit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I had reported the Victoria Secret duplicated my charged off account. They acknowledged it but blamed it on the debt buyer and said they would delete the duplicate. They did delete the older one and left the current one with the charge off updated to XX/XX/2023. It was paid off in XXXX of 2023. I would like this removed because they have updated it incorrectly and it is damaging my credit. I feel it is in retaliation to my filing a report on here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX Account 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

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 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I paid a partner in 2 separate transactions a total of {$22000.00}. I did not realize his phone was hacked and that I was paying a bad actor who knew the partner ( and who has since gone AWOL ). The bad actor 's business was located in the XXXX, was dissolved in XX/XX/2023, but for some reason Wise did not do their continjed due dilgence and allowed them to continue operating their business account despite the dissolution. In any event, in 2 transactons ( XXXX and XXXX USD, transaction IDs XXXX and XXXX ), the threat actor was able to acquire this significant sum of money. 

Here 's where things get ridiculous : Wise responded to my investigation ( unwilling to help ), ADMITS the money is still in the threat actor 's account and hasn't been cashed out, and is STILL refusing to refund the money. So the winner in this case? Wise! By {$22000.00}. Money I worked for and my team worked their XXXX off for. 

Giiven this business is XXXX based, I filed appropriate police reports in the XXXX ( Action Fraud and Financial Ombudsman ), and I am doing so with DFS right now and likely CFPB because this money is extremely important. I need everyone to do what they can to force Wise to refund their money ( please don't just stand by because I told you I've asked other entities to step in. I'm asking because I'm getting nowhere. Each of you can surely play your part ). 

I am also concerned for Wise 's well-being. If this guy withdraws the money and Wise 's hand is forced, they'll lose that $ XXXX they're basically holding hostage anyway. The only person who deserves that money right now is me, so that I can find another way to get it to my partner. Why would Wise put themselves at risk and wait for the threat actor to potentially withdraw the money? 

I noticed that XXXX has a compensation policy that allows refunds for this kind of fraud, but the XXXX is falling far behind ( though there's progress on the XXXX side ; now please do that with the Wise side ). Being in a jurisdiction other than XXXX absolves Wise from a moral/ethical responsibility but enables them to steal my money. Great. 

Wise 's position of " no refund '' is abhorrent, especially given my relationship with these partners. This is literally the food they put on their table and will keep them in poverty. 

I'm sorry, Wise is a billion+ dollar business and doing the right thing ( giving me back my {$22000.00} ) would save these families - my partner has a team he needs to pay. I will continue to pursue in every avenue I realistically can as a XXXX person at her computer until Wise does the right thing, rather than say " well you screwed up, too bad. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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 that I am providing in the attached identity theft profile are not authorized. I have asked these inquiries be removed from my credit profile, but the bureaus have not done what I asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries that I am providing in the attached identity theft profile are not authorized. I have asked these inquiries be removed from my credit profile, but the bureaus have not done what I asked.

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 2024-01-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Charge-Off Under 15 U.S.C. 1666a Alleged Illegal Down Payment and Unauthorized Credit Inquiry Dear XXXX XXXX, I am writing to formally dispute the charge-off on my credit report related to my account XXXX. I assert that the charge-off was based on a down payment that I believe was inaccurately deemed illegal, coupled with an unauthorized credit inquiry. I am invoking my rights under the Fair Credit Billing Act, specifically 15 U.S.C. 1666a, to address and rectify these issues.

Account Number : XXXX  Date of Charge-Off XXXX XXXX I recently discovered that the down payment made on XX/XX/2023 has been incorrectly categorized as illegal under the Fair Credit Billing Act. I believe this mischaracterization has led to the unwarranted charge-off on my credit report. Attached herewith are documents supporting the legality of the down payment, including receipts and relevant transaction records.

Additionally, I have reason to believe that an unauthorized credit inquiry was conducted in relation to this account, which may have adversely affected my credit score. I request comprehensive details on the nature and purpose of this inquiry, as well as any documentation proving the authorization obtained for such an action.

In light of the aforementioned discrepancies, I kindly request a thorough investigation into the circumstances surrounding the alleged illegal down payment and unauthorized credit inquiry. I am entitled to fair and accurate reporting of my credit history, and it is crucial that these matters be promptly addressed and rectified. 

As a remedy, I am seeking the removal of the charge-off from my credit report. I kindly ask you to correct any inaccuracies and update my credit report accordingly.

Please provide documentation supporting the charge-off, details regarding the down payment 's legality, and information on the unauthorized credit inquiry. Additionally, I request copies of any agreements, statements, or correspondence related to this account. 

I am aware of my rights under 15 U.S.C. 1666a and expect your timely response to this dispute. Your cooperation in resolving these issues promptly is appreciated. Add I wish you to cease and desist. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XX/XX/2023

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 2024-01-08 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I received a credit monitoring alert as to two inquiries furnished on my credit profile which was done so without my written or verbal consent. Per 15 USC 1681 I have the right to privacy and also fair and accurate reporting to my consumer credit profile and in this case my consumer rights were violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received a credit monitoring alert as to two inquiries furnished on my credit profile which was done so without my written or verbal consent. Per 15 USC 1681 I have the right to privacy and also fair and accurate reporting to my consumer credit profile and in this case my consumer rights were violated.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I paid the balance of my XXXX XXXX  card off and requested to have the account closed on XX/XX/2023. I received an email from XXXX indicating the account was closed on the date listed above. However, the following month, I received an email indicating I still owed on this account as well as the preceding. It has been noted on my credit report with Equifax that the account is behind in payments and has adversely affected my score. I am looking to work again, and this is having an impact on my ability to clear my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I made a payment to Capital One ( Pottery Barn ) of {$9100.00} from my XXXX XXXX Bank online portal on XX/XX/2023 before the payment was due. 

I received notice on XX/XX/2023 that I was charged a late fee of {$29.00} and interest charges of {$230.00}. 

I called customer service to inquiry about my payment, as my bank had sent out a check for payment on XX/XX/XXXX. The customer service representative indicated that they still had not received payment. So, I asked if they would waive the late fee and interest charges and I would process an ACH payment immediately for the {$9100.00}. The customer representative said she could waive the {$29.00} but couldn't waive the interest. I asked to escalate to a supervisor and the call was terminated. 

I processed an ACH payment on XX/XX/XXXX for {$9100.00}. 

I cancelled the check from XXXX XXXX Bank. 

On XX/XX/2023 XXXX received the check from XXXX XXXX Bank that I had cancelled. 

I have requested to be refunded for interest charges. I paid my bill on time ( for goods that will not be delivered until the end of XXXX ).

Company response to consumer: Closed with explanation