vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I did an ACH transfer to my PNC checking account ( which I've actively used for over 10 years now ) of {$130000.00} from a high-yield savings account at another bank. This money was meant to be used for a possible purchase that I did not ultimately make. 

I want to transfer the money back to my high-yield savings account at the original bank, where I earn 4 % interest. PNC is only allowing me to transfer {$2000.00} a day. They said to call back in XXXX and they will consider raising that limit, but there is no guarantee whether they will or, if they do, how much. 

PNC pays only .01 % interest on my account, and their policy is I am ineligible for an account they offer with a more competitive rate because I have an existing savings account. 

There is no justification for this outbound transfer limit policy other than to hold customer funds stuck in a low-interest account so they can profit while the account holder loses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for upon further investigation. I realize that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and theyre negatively impacted my credit per section 15 USC 1681C 2 any fraudulent accounts that I did not authorize or sign a contract for must be removed off my credit report and four days These fraudulent accounts are not damaging my credit, but also causing significant stress and anxiety. I have no connection to these accounts, urgently immediate to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
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, has violated my rights. I looked at my Experian credit report on XX/XX/2024, 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 supposed 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.

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 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I opened my Checking account at XXXX XXXX XXXX in XXXX, NJ. I made first deposits by using Zelle to request XXXX dollars from my mother. On XX/XX/XXXX afternoon, I was in classroom. Suddenly Zelle sent me bunch of emails saying that I violated their policy, which I never done. I only received {$10.00} from my mother by Zelle. I never made any transaction with my account yet, XXXX is XX/XX/XXXX, I just activated my debit card. I contact Zelle and XXXX, more than 15 calls I made. Still, no one solved my problem. I am a high school student with XXXX, it's difficult for me walk to the bank using ATM to make deposits. Please help me, thank you! 

The script above are from the first complaint I made. Zelle did replied me with no solution! Zelle told me to call XXXX. XXXX told me to contact Zelle. Neither company want to take the responsible for me! I attached Zelle 's response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: MT

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-10 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: FL

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

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 XXXX  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 2 out of 3 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. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards ; account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number # XXXX and with {$2100.00} as closed balance, at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under account number # XXXX and with {$5400.00} as closed balance. a collection account with XXXX XXXX XXXX which recently appeared on my fico credit report with a said open date of XX/XX/XXXX under account number XXXX with a ridiculous balance of {$33000.00}. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items and inconsistency across all credit bureaus. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a police report with report # XXXX and an FTC Identity Theft Criminal Complaint # XXXX and FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.

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 2024-12-11 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: MI

Complaint narrative:
I am a victim of identity theft my information was stolen from a data breach and accounts are being reported to the credit reporting agencies that I never opened. 
These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: MI

Complaint narrative:
I am a victim of identity theft my information was stolen from a data breach and accounts are being reported to the credit reporting agencies that I never opened. 
These accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My loan was transferred from XXXX XXXX  to Mr. Cooper. I had issues with the amount taken that was greater than I was paying. The company has the worst customer service, I am not able to speak to a live person, machines are answering calls and not forwarding the call to a real person. I've tried multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: IN

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 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 2024-12-10 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: LA

Complaint narrative:
ACCT # : XXXX SSN : XXXX XXXXXXXX XXXX XXXX ID : XXXX Address : XXXXXXXX XXXX XXXX XXXX, LA XXXX Dear XXXX XXXX : I recently received a debt collection notice from your office with an account number # XXXX. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: ME

Complaint narrative:
XX/XX/ In planning to accompany my family on a visit to XXXX, I endeavored to find a favorable exchange rate in order to exchange some of my United States dollars into the XXXX XXXX currency. In so doing, I contacted my bank, who provided their exchange rate and then looked online, whereupon I came across Wise.com, a company allegedly providing multi-currency accounts purportedly located at, according to the Subject wise.com 's own website, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX I thought that I would get a more favorable exchange rate than was offered at my local bank. 
Several days later, in seeing that Wise.com 's exchange rate remained more favorable than any other exchange rate advertised-to-date, I proceeded to try to open an online account at that bank, Wise.com, located at the aforementioned address. In proceeding through their, Wise.com 's, online application to open a multi-currency account however, wise.com at first began demanding my date-of-birth, and then my social security number, which I, by law, provided them both. Then, the Subject wise.com demanded copy of my identification, at which point I tried to provide photograph of my driver 's license to wise.com online and at which point the Subject 's online application began malfunctioning such that the Subject 's photographing function did not and would not recognize or validly photograph my valid and lawful driver 's license as identification that they, the Subject wise.com on their website, was demanding. 
Now fed up with the inability of the Subject wise.com 's website to recognize my lawful and valid driver 's license as required by law to open an account at wise.com, the Subject 's bank, I decided to close and/or end and/or terminate any further attempt to create or open an account at wise.com. In so doing, however, I was then notified by the Subject wise.com 's website that they, wise.com, could not and would not close my account, thereby placing my personally identifying information at risk by a company that appears neither interested in enabling the creation or opening of an online multi-currency account nor in enabling this formerly potential customer from speaking with anyone at wise.com fluent enough in XXXX to address my now present concerns regarding the potential for the misuse and/or abuse of my personally identifying information including, but not necessarily limited to, my name, my date-of-birth, my social security number, my home address, my driver 's license number, and my now compromised identification, photographs for which I was required to disclose to the Subject wise.com on wise.com 's own algorithm in order for wise.com to render completely ineffectual my attempts to open a multi-currency account at wise.com because I am travelling overseas to XXXX with family. 
Please feel free to advise. 

Very truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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