vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a CD with Wells Fargo via the internet. The CD matured. I attempted to close the CD and transfer the funds to my checking account with Wells Fargo within the grace period. I was told I couldnt do it over the phone even though I did it with my last CD with Wells Fargo. I made an appointment to go to a branch and was told I would be charged $ XXXX to close the account because the appointment I made on Saturday was 1 day after the grace period ended. I couldnt go before as I work during the week. The interest rate dropped from 4+ % to 1.98 %. How can a bank make it so difficult to close a CD but make it so easy to take my money. There should be better regulation to ensure customers are protected against practices like this from big banks. My XXXX saving account is offering me 4 % interest so I will incur financial loss as a result of this business practice.

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 2024-10-26 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: TX

Complaint narrative:
Subject : Urgent : Request for Correction of Errors and Inaccuracies on Credit Report Dear XXXX, Experian, XXXX, I hope this message finds you well. I am writing to formally address the errors and inaccuracies that have been consistently present on my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) mandates that all information listed on consumer credit reports must be accurate. If any inaccuracies are found, they must be corrected or deleted promptly. 

Despite my repeated notifications regarding these discrepancies over the past few months, I have not seen any corrections or deletions made to my report. I have attached my previous dispute letters, which include my identity verification, to assist in resolving this matter. 

I kindly request that you take immediate action to correct the inaccuracies or remove the erroneous items from my credit report. Furthermore, I would like to specify that I no longer wish to be contacted by phone ; all communication should be conducted via mail. This request is made to ensure that there is a paper trail for tracking the progress of my case, as I may consider legal action if necessary. 

Please provide me with the corrections made, along with supporting documentation that includes my wet signature, so that I may verify that these accounts are indeed mine. 

I look forward to your prompt response and resolution of this matter. 

Thank you for your attention to this urgent issue. 

Sincerely,

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 2024-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
For the second time in a few months, our HSA account has been the subject of massive fraud resulting in thousands of dollars being withdrawn at ATMs using our debit card. We do not keep this card with us and it is only kept in a secured safe. This card has never been used or kept in any other location and Optum still has issues with it being used and swiped somehow. Now, when trying to contact their fraud department, we get transferred aliens and get nothing but technical errors when we get on the phone. They are experience some kind of internal breach and need to make users aware that there is an issue. I can not think of any way this keeps happening unless their systems are compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC : XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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
Consumer complaint received 2024-10-26 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: Carvana Group, LLC
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry into my consumer report made by Carvana LLC on XX/XX/year>. This inquiry is a violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Unauthorized Access : According to 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ( i ), my consumer report was accessed without my permission or a legitimate purpose. I have not conducted any transactions with Carvana that would justify this inquiry. 

Improper Purpose Certification : Under 15 U.S.C. 1681b ( f ), any entity obtaining a consumer report must certify the purpose for which it was accessed. There is no evidence that Carvana complied with this requirement. 

Lack of Consumer Initiation : Pursuant to 15 U.S.C. 1681b ( c ) ( 3 ), inquiries connected to credit or insurance transactions must be initiated by the consumer. Since I did not initiate any such transaction, this inquiry is unjustified. 

Obtaining Information Under False Pretenses : As per 15 U.S.C. 1681n ( a ) and 1681q, knowingly obtaining consumer information under false pretenses carries serious consequences. This inquiry appears to fall under this category, as it was made without valid grounds. 

Liability for Willful Noncompliance : Under 15 U.S.C. 1681n ( a ), individuals or entities that intentionally fail to comply with FCRA regulations may be liable for damages. I am entitled to either actual damages incurred or statutory damages up to {$1000.00}. 

Given the violations outlined above, I request the immediate removal of the unauthorized inquiry from my consumer report : Inquiry Date : XX/XX/year>XXXX  Company : Carvana LLC In addition, I seek a settlement of {$1000.00} for the damages incurred as a result of this violation. Please provide payment via check, direct deposit, or XXXX to ensure prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I looked over my credit report and found some addresses and name that appear to be incorrect and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure max possible accuracy of the information concerning the individual about whom the report relates Experian XXXX XXXX XXXX continues to report name, addresses incorrect on my credit 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 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XX/XX/year> XXXX XXXX State of Connecticut Office of the Attorney General XXXX XXXX XXXX XXXX, CT XXXX Re : Equifax Consumer Credit Reporting Agency Dear XXXX XXXX, I am contacting your office regarding the inadequate online security of Equifax consumer reporting agency. Equifax is knowingly not protecting consumers in that they have no multi factor / 2 Factor authentication protecting their websites. Any bad actor could simply log in with a user ID and password with no further verification. A credit freeze can be lifted or confidential and sensitive information can be obtained to steal an identity. 
Equifax has had many IT breaches in recent years and user ID and passwords are easily available for many consumers. The irony is that Equifax offers and supposedly specializes in identity protection. Its insane that this protection has not been implemented on their own websites. They have a much higher standard to meet in protecting consumers accounts given their IT breaches and the very sensitive information they warehouse. Even XXXX now has multifactor authentication on their website. 
I have contacted Equifax via the XXXX  ( Case # XXXX ) and I just receive non-sensical responses from a XXXX XXXX of their customer care team. I have contacted their call center and likewise they are uniformed as well. 
I ask that your office investigate this serious lax of security. Im taken aback as to how a multibillion-dollar organization, who is supposed to specialize in identity security and protection, could fail so miserably in protecting the actual consumer. Both XXXX and XXXX have this additional protection in place. This should not be optional for Equifax. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX Equifax Chief Info and Security/Tech Officer XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, DC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Kindly remove this information from my credit report within four business days, in accordance with section 605C of the Fair Credit Reporting Act. I would appreciate a notification regarding the actions taken. Thank you for your swift attention to this issue.

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 2024-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received two payments on Venmo from my neighbor. I called and texted her to find out what they were. She requested them back and I sent them. She was the subject of a scam but I did not know that. The payments were from her mother and herself. The money that I sent back to her at her request was stolen from her. Venmo recommended to her that she dispute the transaction at her bank. She followed their advice and both her and her mother disputed the transaction with their respectives banks. The banks initiated an investigation into each of the payments returned from MY account, not the scam or fraudulent activity. Venmo froze my account. On a customer service call, Venmo told both my neighbor and I that there was nothing they could do and the investigation was the banks ' responsibility. On behalf of the banks, Venmo requested evidence. I provided a series of text messages showing that I had no knowledge of the transactions, had asked my neighbor what happened and she had requested that I return the funds to her. On the basis of the same exact evidence, one bank resolved the investigation acknowledging I did not request the payment, and one bank decided otherwise. That bank charged me {$2500.00}. Venmo is requesting that I pay the full amount. They froze my account but allowed a payment of {$69.00} to go through from another individual and then credited the payment to my " debt. '' They will not allow me to request an investigation or dispute the charge. Venmo acknowledged this type of scam happens regularly but they refused to carry out their own investigation. Venmo has charged me thousands of dollars for a transaction that was initiated by someone else. No sale was made. No product exchanged. There is clear evidence of this. However, Venmo will not act in the interest of protecting their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-26 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: GA

Complaint narrative:
I have an account on from lvnv funding that was paid off that has not been taken off my credit report. This is hindering my ability to obtain credit. Can you block this following account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: OH

Complaint narrative:
I am writing to formally lodge a complaint against Hyundai Motors in XXXXXXXX Ohio, regarding the leasing of a vehicle to XXXX XXXX, for which I, XXXX XXXX, acted as a cosigner. Unfortunately, we have encountered several significant issues which have created difficulties for me ( XXXX XXXX and XXXX XXXX. 

We were initially provided with temporary car registration by Hyundai motors, and while Hyundai verified XXXX 's car insurance, they did not request my insurance details, or direct information, per information they relayed as I am merely the cosigner and not the primary driver or driver on vehicle in general When we attempted to register the vehicle, I discovered I ( XXXX ) was suspended from registering any vehicle, which I was unaware of until XXXX XXXX visited the Ohio BMV in person to register the car. Because of this XXXX was told she could not register her car unless my name ( XXXX ) was removed off the title. 
They advised us to contact Hyundai to remove my name from the title so that XXXX could register the car while I sorted out the issues with my license. Following the instructions provided by the BMV, we reached out to Hyundai Motor, to see what other options we had to get the car registered or the process to take to have my name ( XXXX ) off the title. 

Unfortunately, Hyundai has been uncooperative and has not provided reliable assistance or information regarding this matter or even assistance in the name removal off title process. They indirectly indicated that there was nothing they could do to help us. As a result, the vehicle remains parked in our garage for over 3 months, causing significant inconvenience and financial strain since we are responsible for monthly payments without the ability to use the car. 
This situation has left us without transportation, affecting our daily lives and activities. I urge your office to intervene and help resolve this matter with Hyundai Motors so that we can access our vehicle and alleviate the financial burden we are currently facing. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2024-10-26 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: NJ

Complaint narrative:
See attached Documents In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX / XXXX - account number ending in XXXX and XXXX XXXX account number ending in XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C. 1681 ( a ) ( 4 ), FCRA section 602 ( a ) States I have the right to privacy. 15 U.S.C. 1681b-a ( 2 ) ( Section 604 A section 2 ) : It also states a consumer reporting agency can not furnish an 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, ( they may only report crimes not debts ) 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 the information is inaccurate. 
Please also see the Certified copy of the Department of the Treasury Division of Revenue Uniform Commercial Code Section SEARCH CERTIFICATE # XXXX SEARCH CRITERIA for XXXX XXXX, the Consumer, whereas the search results stated : " NO RECORDS FOUND ''. Please have RESPONDENT prove to Affiant and the CFPB that there is an actual debt and the fact that said alleged debt is owed by Affiant when the department of the Treasury States otherwise. 

Resolution : Financial compensation in the amount of {$1000.00} USD per day since the inception and start of the negative reporting to current date and {$100000.00} for the fraud and deceptive practices that is ongoing and causing irreparable harm, stress, mental anguish and undue financial hardships for Affiant. 

Please delete these accounts properlythank 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 2024-10-26 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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