vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: LEXISNEXIS
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: NJ

Complaint narrative:
In my credit report, under various accounts and inquiries, there was fraudulent activity. I've been trying to reach out to the bureau where this fraud has taken place, but we haven't found a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Loss Mitigation provided me inaccurate information throughout the mortgage modification application process. I was told to wait to make a payment until I knew what my loan modification options were. I followed this guidance. Then PNC reported to the credit bureaus that I was 120 days overdue and my credit score dropped XXXX points. I have been trying to get this corrected because I was only following the damaging misinformation PNCs loss mitigation team provided me. PNCs executive client relations has been looking into it for over a month and has not provided me an update. They promise me calls and then do not call when they say they will.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I went to the ATM on XXXX XXXX XXXX, XXXX XXXX at XXXX and used ATM number XXXX | XXXX | XXXX to deposit {$450.00} cash into the machine the machine took my {$300.00} cash and then stopped my transaction immediately and gave me an error Cash deposits, bill payments, and check deposits are currently unavailable no payment was processed and I didnt get my cash back or any receipt. I spoke to 2 associates in the branch and they couldnt help they said to call the number on the back of the card. I spoke to one representative which reffed me to supervisor named XXXX at XXXX and she refused to file a formal complaint that the money was taken. I called again and spoke to another representative named XXXX at XXXX and all she did was make a note on my account to call back in XXXX hours. They refused to run an investigation and no cash was returned

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute letter to all 3 credit bureaus. XXXX never responded even after the 30 days. Transunion sent a letter stating for me to call and verify that it was me who sent the letter and not a XXXX party company. I did that on XX/XX/2024. The lady who I spoke with told me that I would have to call back Monday and verify again because the department that I needed to verify with weren't in office. I feel that I have been Mishandled and treated unfairly due to the fact that its a XXXX hotline. Nowhere on the website did it say anything about being closed. XXXX asked for me to verify my Identity as well. I haven't heard anything back after sending in my proof of identity.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-03-18 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: NY

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) an on Transunion it's ( XX/XX/XXXX ) and XXXX is XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX Account number : 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 2024-03-18 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: NY

Complaint narrative:
This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) an on XXXX it's ( XX/XX/XXXX ) and XXXX is XX/XX/XXXX If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo needs to give us back our money that we were scammed out of through XXXX. We did not willingly send these people money - we were under the impression we were speaking with Wells Fargo. And according to the article, the XXXX considers this fraud because we were tricked, making these transaction NOT voluntary, and therefore treated like an unauthorized transaction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

My XXXX got a Wells Fargo text message asking to verify a XXXX transfer, he replied no. The accurate Wells Fargo fraud number shown on their website called my husband right after so he answered. All sounded normal like Wells Fargo, they asked to transfer XXXX money over to WF to block the other transfer and it would be put right back into our account. XXXX charges of {$3400.00}. They said there was also an {$18000.00} wire transfer initiated, he said we did not authorize that. Wells Fargo said the wire department would call him Monday. They called, had my husband wire transfer over {$2300.00}, and {$25.00} - as well as XXXX {$200.00}, and {$800.00}. I immediately called Wells Fargo fraud because I knew he was being scammed even though my husband thought he was helping. We opened up a claim for each charge. Today we got a letter saying the wire transfers couldnt be given back since the bank the money went into would t give it back to them, so our inquiry is closed. We also got another letter saying the {$3400.00} charges claims were denied. Havent heard anything about the XXXX charges yet. But we are now out over {$11000.00} - with the main point being the real and accurate Wells Fargo fraud phone number IS who called us. 

We were given the XXXX money back - and Wells Fargo took it back out of our account last week saying it wasnt a scam or fraud and the money was intended to be sent. Now I will file more claims against Venmo- we also reported the account transferred to XXXX as it was obvious they were doing this to other people. 

I will continue to fight this, as this was not voluntary and banks have billions in insurance. Simply telling people Wells Fargo would never ask you to send money is OBVIOUS now, and not helpful! People are getting scammed out of all their money, and have NO protection from banks, even though its the BANKS real Fraud number calling!

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 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
The federal government has frozen all of my assets despite repeated identity verification from my bank. I have not been able to access my money for more than XXXX XXXX and my entire life has effectively been ruined. I am barely getting by on what Im able to borrow from literally everyone I know. I need the federal government to release my identity NOW

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 2024-03-18 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: NY

Complaint narrative:
I am unaware of this debt, i did not have a opportunity to dispute this information, I have requested proof this belongs to me and they have failed to respond. If in fact you believe you gave me proper notification then please send me the certified receipt with my name on it thank you!

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 2024-03-18 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: NY

Complaint narrative:
I am unaware of this debt, i did not have a opportunity to dispute this information, I have requested proof this belongs to me and they have failed to respond. If in fact you believe you gave me proper notification then please send me the certified receipt with my name on it thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I went into truist bank in the area i am located and i tried to open up a business bank account at wt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX XXXX XXXX was very helpful we attempted to process the application but unfortunately i was denied and given a document but i was unable to open up the account i asked the bank rep why and he told me he didnt have a number i could call but to contact THE CFPB XXXX told him i was aware that my information had leaked and i was a victim of the XXXX XXXX XXXX incident, and he said his system rejected me because my info was a part of a trade disclosure of use of information obtained from an outside source or some type of fraudulent alert i filed this complaint to get some transparency and to have these alerts or information removed from my credit because its preventing me from obtaining credit and opening up a bank account. there has to be some other way to cover or remove this info from reporting so i can be able to open up an account as a consumer right i don't have any other idea why other than what he saw on his screen. i didn't have any alerts or credit freezes on file i removed all the fraud alerts from my credit beforehand but the way my information is reporting to other agencies is preventing them to extend credit. im aware that credit agencies may disclose that my info was involved with the incident to other agencies being that my personal info was a risk because to the XXXX data breach but to get denied because of the way my information is reporting to the banks im just seeking help on the situation make it make sense if i cant use my personal info?

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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a one time purchase on my Apple credit card for {$19.00}. But this company charged my account several times like {$120.00}, {$140.00}, {$140.00}, {$49.00} and some other charges I can't recall. Every time I called Apple company and disputed these charges. Apple company one time even told me that they are changing my card number, but the charges still kept coming in. I asked the Apple card to block this company so I don't have to keep calling them and dispute these charges, but they refused to do that. Eventually I closed the account. But few days later I received this email " Goldman Sachs Bank USA has investigated your transaction dispute and found that no billing error occurred for the following reason : We reviewed available information which confirms that you authorized the purchase with the merchant. '' They reversed all the disputed charges and all the credit balance was washed out and additionally mad me me pay another {$120.00}. Altogether they stole my approximately {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I had an account with USAA for over XXXX years I deposited a check from coast to coast productions for XXXX and some change and USAA reversed the check a week later saying it had been deposited into another bank I asked what bank I never authorised this and never signed the check over to anyone and it had void written across it. USAa refused to give my money back and 2 months later closed my account abruptly no notice over a different matter which was unethical too. After reading in the news about USAA under litigation for denying service member claims. I finally found this platform and submitted a complaint they came back with this.

We are responding to the concerns about USAA Federal Savings Bank ( FSB ) you outlined in your correspondence to the Consumer Financial Protection Bureau regarding an alleged reversed deposit. Our Bank Member Advocacy staff thoroughly reviewed your bank profile and account history and activity. Records confirm you do not have any open/active deposit accounts with USAA FSB , and USAA FSB has not received any funds into your bank profile or reversed any funds from your bank profile. Therefore, we respectfully decline your request for compensation. Should you have additional information to facilitate a more comprehensive review, such as a transaction ID number or mobile deposit confirmation, our staff will research the matter for you. We trust this clarifies our position on the matter and we appreciate the opportunity to respond to your concerns.

I want to reply I was never given time to download information from my account so your reply is completely unfounded and after calling serval times for you to unlock my account and the bank denying those requests. There was a reversed check when I did business with you and you know you did the wrong thing not reimbursing a service member or asking the other persons bank to reverse the charges covering it up by abruptly closing a services members account and then replying like this is very unethical too. Do something about it instead of lying to the government. Ive also received three emails like this from USAA over the last couple weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation