vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-15 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: TX

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX 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 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 2024-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
XXXX wire transfers were made to entities which turned out to be fraud entities - attempts to recall the wires have been unsuccessful. They have not provided any goods and services. 
WIRE TRANSFER1 : DATE : XX/XX/2023 ; AMOUNT : XXXX USD WIRE TRANSFER2 : DATE:XXXX ; AMOUNT:XXXX USD I have created the following case numbers with XXXX XXXX to attempt to recall the wires WIRE TRANSFER1 : XXXX WIRE TRANSFER2 : XXXX For wire transfer XXXX actually I received a letter from the fraud investment company ( at that time I did not know it was a fraud ) that I should contact my bank and asked me to reverse the wire transfer : " Important notices Dear XXXX XXXX, We regret to inform you that the {$100000.00} transfer to XXXX XXXX  on XX/XX/2023 is currently inaccessible due to an ongoing bank audit issue. To resolve this, we kindly request your personal intervention at the bank to apply for a refund, citing the other party 's inability to ship the goods as the reason for the application. Once complete, we ask that you initiate a new wire transfer. Rest assured, your account credit in XXXX XXXX will be maintained during this period. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX Department '' I believe the receiving bank ( PNC Bank ) had knowledge of the irregularity of the wire transfer and actually suspected something - yet they allowed the transaction to go through and did not take steps to warn me or reverse the wire transfer. 

I will attach a copy of the email as a document. 



I have contacted XXXX XXXX to provide the funds back to me- but they do not respond to my emails as well as the Online chat with the XXXX XXXX does not yield any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX, I went to XXXX XXXX XXXX XXXX XXXX to make a {$2700.00} payment on my XXXX XXXX XXXX credit card. {$1700.00} of that payment was cash and the remaining {$1000.00} was in the form of a U.S. Bank  check # XXXX. This was transaction number TR # XXXX TE # XXXX. The check was ran through the ACH machine and instantly debited from my checking account. Instead of giving me back the voided check, the store kept the check and then proceeded to deposit an already paid and voided check into their U.S. Bank account in XXXX, WA two days later on XX/XX/XXXX. This was ran through the cash vault in the basement of the bank. So the bank gave the store another {$1000.00} by running an already voided check and it was not applied to my credit card payment. I will also note that somewhere between the store and U.S. Bank in XXXX, that someone or something changed my check number to # XXXX instead of the # XXXX it should have been. This was in the bank 's system, not on the physical check itself. I have opened 3 claims with U.S. Bank and even though they returned the original ACH transaction, this caused XXXX XXXX to also pull back my {$1000.00} payment and hold me responsible for the interest on that {$1000.00} since XX/XX/XXXX. I tried several times over two weeks to speak with the store XXXX, XXXX XXXX, both in person and by phone and she tried everything to avoid talking to me until I threatened her with the police and a lawsuit. I did file a report with the XXXX Police on XX/XX/XXXX, Case # XXXX and am currently searching out an attorney for this matter. I have opened a fourth fraud case with U.S. Bank on XX/XX/XXXX, Case # XXXX and have checked weekly on it with no progress.

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 2024-02-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2024-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
The consumer must give permission15 USC 6802 a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless a such financial institution clearly and conspicuously discloses to the consumer inheriting or in electronic form or other form permitted by the regulated regulations prescribed under section 6804 of this title that such information may be disclosed to such third party ( XXXX XXXX and XXXX ). Santander Consumer USA has nothing to do with them. They don't own those companies they are a non-affiliated third party. Neither XXXX XXXX nor XXXX, which are third parties, nor Santander Consumer USA provided me with any disclosure giving my consent. There are 3 parts to a disclosure A, B, and C. I never received B or C. Please provide me, along with XXXX  with the disclosure that I signed that says I permitted this company to report anything to those agencies. And the only Credit Bureau is XXXX. Please delete this entire transaction from all of my credit reports. This occurred XXXX and XX/XX/2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MO

Complaint narrative:
A personater from Chime took information from me when I thought it was the original Chime provider to request a XXXX XXXX loan. The personater took various information matters from me ( social security number, state ID info, and social internet info, other debit cards info ) they then proceeded to take money out my Chime account. They robbed me of money out of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I, XXXX XXXX XXXX, am writing to file a formal complaint against the three major credit reporting agencies : XXXX, XXXX, and XXXX. This complaint is in regard to multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), particularly concerning the privacy and accuracy of my credit information. Violations Include :. 
Privacy Rights Violation ( 15 U.S.C. 1681, Section 602 ) : All three agencies have mishandled my personal and financial information, compromising my right to privacy as protected under the FCRA..

Unauthorized Distribution of Information ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : XXXX, XXXX, and XXXX have all furnished information about my account without receiving my explicit written consent, a direct contravention of the FCRA mandates.. Incorrect Late Payment Reporting ( 15 U.S.C. 16666 ) : Despite my diligence in making timely payments, the reporting agencies have inaccurately reported late payments on my credit profile, which is misleading and damaging to my credit standing. These actions by XXXX, XXXX, and XXXX not only violate specific provisions of the FCRA but also inflict undue harm on my credit reputation and overall financial well-being. I expect a prompt and thorough resolution to this matter and request to be kept informed of the progress. 
Thank you for your immediate attention to these serious concerns. 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 2024-02-15 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: TX

Complaint narrative:
Kindly remove this inquiry from my credit report as I did not initiate it and have no relationship with the associated creditors. I request its immediate removal to ensure the accuracy of my credit information.

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 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my consumer report and I noticed that there were two late payments on my account with XXXX and XXXX XXXXXXXX XXXX XXXXXXXX that I haven't been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the month of ( XXXX & XXXX XXXX  ), be updated to paid as agreed on time and NOT DELETED

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 2024-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/year>, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed 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 non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX, my XXXX  and I went to XXXX XXXX XXXX, they informed my XXXX  that they would be able to get him a car, now my XXXX  only had a permit, and a job, I informed them that I was only starting him with insurance then he has to pay his own insurance, my XXXX  also gave them XXXX. Deposit, the dealer stated with his deposit he could drive off the lot, I stated numerous times that I was not a co singer, my XXXX  also stated he did not want me as XXXX, due I only work XXXX hrs a week, my XXXX  was suppose to sign the paperwork, XXXX men stood over me, I kept saying no, I know I was forced, in XXXX, XXXX, the engine light was on, then alternator went out, the car dealership refuse to take it back, stated they nothing to do with it, WOW! Shocker, their fiance Co was Westlake, to which I then found out, was charging my 18 %, double charged, I have complained to both companies well over XXXX times, to this day I no longer have a high income, barely XXXX, also XXXX XXXX XXXX XXXX XXXX XXXX I am not paying for or responsible.

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 2024-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
on XX/XX/XXXX, i wrote to Capital One in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/2018. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported CO which credit bureaus refer as CHARGED OFF. An account can only charge off 1 time. The reporting of CO after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with Capital One. Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Account opened XXXX. Amount ; {$520.00}. Im not liable for this debt with XXXX XXXX XXXX  XXXXI do not have a contract with Portfolio Recovery.They have not provided me with original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: ME

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX BMO Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Promotional Offer To Whom it May Concern : On or about XX/XX/XXXX, I applied for a Simple Business Checking online in response to a promotional offer to receive a {$600.00} bonus. 

I met all offer terms for the {$600.00} bonus but received a lesser payout of {$400.00}. Attempts to resolve this issue online were unsuccessful. 

Please pay the additional {$200.00} I am owed. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Hello, I can not access my account. I logged in correctly via their site. When I get prompt to request code via text to my phone, it will not send it to my phone. I noticed a couple of weeks ago I had to hit resend to get the code, now I can hit resend several times and no code comes. I called PFCU and no one seems to have answers. It seems un acceptable to mot be able to access my accounts. NOTE- a few weeks ago, I had to reach out to you as I could not update my password to update security to my accounts. Only after contacting you did it get resolved. There are obviously issues at PFCU when it comes to software management. Please help and advise. 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 explanation
Consumer complaint received 2024-02-15 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: IL

Complaint narrative:
Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ s ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX {$3700.00} Acct # XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$210.00} Acct # XXXX Opened XX/XX/XXXXXXXX XXXX XXXX {$7400.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX {$5700.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} Acct # XXXX Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$6700.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$2400.00} Acct # XXXX Opened XX/XX/XXXX XXXX XXXX XXXX {$3600.00} Acct # XXXX Opened XX/XX/XXXX These are the XXXX accounts from Transunion that are on the Federal Identity Theft Report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Im begging you please remove this to the credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-15 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: LA

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief