vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I attempted to purchase tickets to a concert using Zelle services from within the XXXX  XXXX XXXX XXXX application. I immediately realized I had been scammed and attempted to contact Zelle as well as XXXX  XXXX XXXX. Zelle could not be reached ; a recording said you should call your bank. XXXX  XXXX XXXX said that they would dispute the charge. A week later I received a letter that XXXX XXXX  XXXX XXXX XXXX has been rejected. XXXX  XXXX XXXX now says to call Zelle. There is nobody to call or contact at Zelle that I am aware of ; I have already tried. XXXX  XXXX XXXX says the issue is closed. 

I have lost {$500.00} and I have no recourse from any of the financial services involved. I don't know what to do ; it appears the thieves are successful. 

Thanks & regards, XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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. 

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 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  Or a 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 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 or 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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or a 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 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 or 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 explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I have had my Citi card for over 5 years and have never had a late payment of 30 days or more. In fact, i have never had any of my bills go 30 days late, this is verified on my credit report. My current credit utilization is at an all time high as I am attempting to sell a house and the costs associated with this process have gone well over budget. I was planning the purchase of a lawn mower so on XX/XX/2023, I paid {$600.00} on my Citi card to free up the funds and earn the double cash back rewards. The very next day, XX/XX/2023, after I paid the money, Citi decreased my Credit limit from, i believe {$800.00} down to {$300.00}, citing random credit checks to deem worthiness. They sent an email that I did not see and was left looking extremely embarrassed at the register in front of a store full of people. The first time I called, i thought I was being transferred to someone who could help me. Instead I found myself on talking to someone from XXXX who was as confused as I was. I called back, only to be screamed at and then hung up on by a Citi customer service rep. The third time I called, I was finally able to get to a supervisor who was unapologetic and cited fine print in the card agreement. I simply find the timing of all this extremely suspicious. They randomly pulled my credit file as soon as I paid {$600.00}? Then, with no warning at all, drop my credit limit and send an email that was buried amongst many in my inbox. Had they been waiting to decrease my limit for some time now but couldn't as it would put me over my limit through no fault of my own? This practice appears very unscrupulous. My credit has been impacted by identity theft with accounts and hard inquiries being opened in my name, in addition to the aforementioned credit usage to sell a house. They were apathetic and unsympathetic to my situation, so I am filing a complaint and requesting a review of the handling of my account. I appreciate any and all assistance in this matter.

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 2023-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
In XX/XX/2022, I made a purchase and was asked if I wanted to upgrade my card to a MasterCard. They actually canceled my current account and opened a new one. When I made the payment in XXXX ( {$290.00} ), it went to the old account. In XXXX, I got a call my bill was not paid. I found out I paid the old account and they would not transfer the money. I was told I would receive a check for the overpaid balance and was asked to repay the same amount to the new account. I did that. I have called month after month and talked with reps and supervisors and still, not check despite promises. 1st check went to the wrong address in XXXX. Since then, no check has been received and they offer no explanation or solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : 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 2023-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I needed to send a wire for {$17000.00} from Capital One bank. I tried to do it on Friday, XX/XX/2023. I have {$58000.00} in the account I want to wire from. It says you can send a wire from the web site which I tried but kept getting a message that read Sorry error occurred, please try again later ( paraphrasing here ). I called and spoke to a woman on Friday and she said she entered my number on a white list and authorized the wire so I should wait 15 min and then the wire would work. It did not. 
I tried again online on Monday, XX/XX/2023 and received the same error. I called again on Monday and spoke to XXXX employee ID XXXX. He said that he was unable to send a wire, that I needed to do it online. I said I could not do it online because their website was not working properly. He said there was nothing he could do. He told me he was the uppermost management person there that day so I was refused the option to speak to a supervisor. He suggested that I drive to a XXXX XXXX bank, use my Capital One debit card for a cash advance, and then put the money into the recipients XXXX XXXX account. I said I did not think that XXXX XXXX would allow me to do that. I also said that MY money was in Capital One bank and that I wanted to send a wire from MY bank. Not possible was the response I received. I asked if he could change the XXXX limit for a one time transaction and he said no. I asked if he could send a cashiers check to the recipient and he said no. I said its my money and my bank, I should be able to do this. No, was the final answer. Shouldnt I be able to send a wire from my bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Name : XXXX XXXX Account number : XXXX Also on my credit report as : XXXX  This company kept putting late payments on my credit report and I have never used or dealt with them before. I tried contacting them. The information they gave me is incorrect and I filed a dispute with them directly, yet they still havent remove it from my report.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: OK

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXX attempted to charge my XXXX XXXX  account XXXX which I should have just been charged {$26.00} because I am on the affordable connectivity program ( they charged me the amount of {$26.00} on XX/XX/2023 ). So they ended up charging me the XXXX AND XXXX which I disputed the XXXX on XX/XX/2023. A XXXX of XXXX was credited to me on XX/XX/2023 and was finalized on XX/XX/2023 through XXXX XXXX  XXXX Today, XX/XX/2023, I was sent a debt collector letter from TRS RECOVERY SERVICES of XXXX which I do not owe and will not pay.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My husband is XXXX XXXXl and someone has been fraudulently accessing his account and sending themselves money via XXXX. I called on XX/XX/XXXX and was told his online access would be frozen. When I saw more money was stolen that night, I called on XX/XX/XXXX and was told they would not speak to me without power of attorney since it was stolen from his personal brokerage account. The unauthorized person took money from our joint account on XX/XX/XXXX so I called back on XX/XX/XXXX. After my debit card was cancelled, the checking account number changed, and being told I could not get checks because they had an old address, I was told the person who has hacked his account still maintained all access since they can't do anything unless he calls himself. ( Again, he is XXXX XXXX ). 

When I called back on XX/XX/XXXX to get the account number and find out how to restore my online access since that was cancelled as well ( even though the criminal 's access was not! ), the man began investigating the fraud again instead. when I told him that had been done and I just wanted my account number, he told me he had to investigate. He was asking me a list of questions that no one asked when I tried to report the fraud the day before. 

I can not access my checking account. My husband 's direct deposit will not be able to go through. Meanwhile, this hacker/criminal/unauthorized person XXXX themselves more money last night.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There were 2 XXXX XXXX XXXX  credit card accounts, both were closed by XXXX XXXX and referred to 2 different 3rd party collection agencies in XXXX, even though I had informed company I had been a victim of XXXX employment loss. I am in current repayment status for the account with an original amount of {$1600.00} as a credit line. The company I am in repayment status with is XXXX XXXX XXXX. I have been paying {$50.00} per month since XX/XX/XXXX and have not missed a single payment. In XX/XX/XXXX, I found that an email had been sent to me indicating that another company XXXX had assimilated another account of mine in the amount of {$1000.00}, and XXXX XXXX XXXX  had no further ownership of either accounts. My credit score in XX/XX/XXXX suffered a score loss of XXXX points from all 3 bureaus and despite repeated disputes, XXXX XXXX is still showing that I have missed 2-3 payments on an account they no longer own. Due to this, my score has dropped so far I am unable to take out a debt consolidation loan to clear my outstanding debts. I have called XXXX XXXX, XXXX, submitted disputes to XXXX, TransUnion, and XXXX, all to no avail.

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC
State: TX

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Name : WESTLAKE FIN Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,

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 2023-04-17 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity. 

Accounts List As Follow : XXXX XXXX, Equifax Mortgage Service, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My Aunt 's pension was held by XXXX XXXX. I sent the requested original Death certificate and Revocable Trust Documents of XXXX XXXX XXXX on XX/XX/XXXX to : XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX It was received XX/XX/XXXX. By XX/XX/XXXX, Bank of America/Merrill Lynch was to facilitate. I was instructed ML  Benefits would call. That didn't happen. I called them XX/XX/XXXX. My last ( tenth ) call was XX/XX/XXXX. I have never gotten past the call center. I did talk to a supervisor and he followed up with nothing new. The only insight I received was ML Benefits says they never got what they needed from XXXX. We all agree on the XXXX  XXXX  day as the transition day. 
To this day the only way to get through the phone menu is to use my Aunt 's SSN and her birthday. The call center people aren't given the tools to move things along. I'm constantly asking to talk to a Case Manager. My last service request files was XXXX filed with 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