vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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:
XXXX has breached my information. I am a veteran and vulnerable to retaliation. I am being harassed and my phone is ringing off the hook i'm a service connected veteran and this exacerbates my disability.

There are even scammers that are sending me emails such as this because of the breach. 

You've Received a Virtual Prepaid Card {$17.00} Per the terms of the Settlement, your pre-paid card is enclosed for your XXXX Data Breach Settlement Extended Claims Period claim payment of {$17.00}. 



REDEMPTION INSTRUCTIONS Click the Redeem Virtual Card button below or visit the redemption site by clicking this URL : XXXX : XXXX? XXXX You can also navigate to the XXXX Data Breach Settlement XXXX XXXX XXXX and follow the instructions to redeem your card. 
Once on the www.MyPrepaidCenter.com site, click " Enter Code '' and enter the redemption code : XXXX XXXX  : Click the link above or copy and paste the address into your browser to navigate to the activation site or navigate to the XXXX Data Breach Settlement site. 
If you search for the redemption site online, please be aware that there are fraudulent websites. We recommend following one of the paths above to avoid fraudulent sites. 

REDEEM VIRTUAL CARD Redemption Code XXXX You received this email from the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX If you do not wish to receive further emails from the XXXX XXXX XXXX XXXX XXXX XXXX us at XXXX. 

This violates : The Fair Credit Reporting Act ( FCRA ) - specifically : 15 U.S.C. 1681 ( b ) - Failure to protect consumer data 15 U.S.C. 1681e ( a ) - Failure to maintain reasonable security procedures The Gramm-Leach-Bliley Act ( GLBA ) Specifically the Safeguards Rule requiring financial institutions to protect consumer data Section 5 of the Federal Trade Commission Act Prohibiting unfair or deceptive practices affecting commerce

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 2024-12-20 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: TX

Complaint narrative:
Equifax has breached my information. I am a veteran and vulnerable to retaliation. I am being harassed and my phone is ringing off the hook i'm a service connected veteran and this exacerbates my disability.

There are even scammers that are sending me emails such as this because of the breach.

You've Received a Virtual Prepaid Card {$17.00} Per the terms of the Settlement, your pre-paid card is enclosed for your Equifax Data Breach Settlement Extended Claims Period claim payment of {$17.00}. 



REDEMPTION INSTRUCTIONS Click the Redeem Virtual Card button below or visit the redemption site by clicking this URL : XXXX : XXXX? XXXX You can also navigate to the Equifax Data Breach Settlement Website XXXX XXXX and XXXX the instructions to redeem your card. 
Once on the www.MyPrepaidCenter.com site, click " Enter Code '' and enter the redemption code : XXXX TIPS : Click the link above or copy and paste the address into your browser to navigate to the activation site or navigate to the Equifax XXXX XXXX XXXX site. 
If you search for the redemption site online, please be aware that there are fraudulent websites. We recommend following XXXX of the paths above to avoid fraudulent sites. 

REDEEM VIRTUAL CARD Redemption Code XXXX You received this email from the Equifax XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX If you do not wish to receive further emails from the Equifax Data Breach Settlement , contact us at XXXX. 

This violates : The Fair Credit Reporting Act ( FCRA ) - specifically : 15 U.S.C. 1681 ( b ) - Failure to protect consumer data 15 U.S.C. 1681e ( a ) - Failure to maintain reasonable security procedures The Gramm-Leach-Bliley Act ( GLBA ) Specifically the Safeguards Rule requiring financial institutions to protect consumer data Section 5 of the Federal Trade Commission Act Prohibiting unfair or deceptive practices affecting commerce

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MI

Complaint narrative:
Remove immediately from my credit report based on previous reports time the company reporting will provide and dates based on the laws not my personal feelings. TransUnion XXXX and XXXX are all call conspirators of this crime listed below there should be a XXXX charge if they dont remove immediately. 

25 CFR 11.417 - Extortion.

18 U.S. Code {$1300.00} - Securities and commodities fraud 18 U.S. Code 1033 - Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and 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 explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
Remove immediately from my credit report based on previous reports time the company reporting will provide and dates based on the laws not my personal feelings. XXXX XXXX and XXXX are all call conspirators of this crime listed below there should be a XXXX charge if they dont remove immediately. 

25 CFR 11.417 - Extortion.

18 U.S. Code {$1300.00} - Securities and commodities fraud 18 U.S. Code 1033 - Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
We missed our first closing date on XXXX because Citi, our mortgage lender, failed to request documents from the HOA until XXXX business days before closing. My husband had to step in and manage the document collection process on behalf of our lender. We also missed our second closing date of XXXX purely because of Citi. On the day of closing, when I went to transfer my downpayment, the full amount of which was held in my Citi checking account, I was told there was a $ XXXX wire transfer limit. ( Our downpayment is XXXX that. ) We were on the phone with various representatives of Citi for XXXX hours that day and no one was able to find a solution. ( We only received our closing documents the prior afternoon, so there's not much I could have done to get ahead of this. ) Our loan XXXX did not walk me through the closing process, and on the day of closing, was totally XXXX. ( His boss and boss 's boss were also unavailable. ) Calls and emails went frequently unanswered throughout the entire process. Teams seemed to operating oblivious to our timeline, and did not seem to be communicating with each other. Very few people I talked to at Citi were accountable and no one assumed ultimate responsibility. It has been XXXX weeks of sheer XXXX and totally avoidable stress. I would not wish this on anyone.

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 monetary relief
Consumer complaint received 2024-12-20 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: CA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was closed XXXX weeks ago due to fraud detection by Bank of America. I received a letter in the mail stating that my account was officially closed and that I would no longer receive direct deposits. Any direct deposits would be blocked and sent back to my employer. I get paid weekly on Thursdays and was supposed to receive XXXX paychecks this XXXX, the XXXX, but I didnt receive them. 

Despite informing me that direct deposits would be blocked and returned, Bank of America is still receiving these deposits. Now, theyre saying that further direct deposits will extend the timeline for my accounts official closure, causing further delays in refunding my paychecks. 

Bank of America refuses to comply with my requests to release the funds sent by my employer. Ive reached out multiple times, but I keep getting inconsistent information, which makes it even harder for me to recover my money

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 monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I called Ally Bank because my debit card that I requested to be ordered on XX/XX/XXXX never arrived. I called ally bank again on XX/XX/XXXX and the customer service representative told me they will have my account reviewed by a senior specialist and they will call me back within 2 business days. Well little to my surprise that ally locked and froze my account for I can not log in and check my accounts and statements. I called them back and they said theres nothing they can do but only wait for a senior specialist to call me back within 2 business days. Its already been 3 and I havent received any calls! This is a horrible method for them to do. I understand locking and freezing an account is one thing but to just sit and wait for them to unfreeze it at their expense is absolutely ridiculous! They have really poor customer service! When my account gets unfrozen whenever that may be I will be taking all of my money out to another bank and closing my ally account.

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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. There were fraudulent inquiries made to my personal credit. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! Names of the companies and dates of the inquiries are listed below. 

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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year> I requested to have all unauthorized inquiries removed. To date they still remain on my 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 2024-12-20 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: GA

Complaint narrative:
On XX/XX/year> I requested to have all unauthorized inquiries removed. To date they still remain on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Subject : Complaint Against HSBC Regarding Incorrect Dispute Rights Claim Dear CFPB Representative, I am writing to file a formal complaint against HSBC Bank USA, XXXX. regarding its handling of a recent dispute involving a transaction processed through XXXX. HSBC has incorrectly claimed that it has no dispute rights with XXXX, which I believe to be both factually and legally inaccurate. 
Details of the Dispute : * Transaction Date : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX * Transaction Amount : {$650.00}, {$130.00}, {$20.00}, {$120.00}, {$120.00}, {$25.00}, {$120.00}, {$75.00}, {$150.00}, {$180.00}, {$20.00} * XXXX Transaction ID ( if available ) : [ Insert ID ] * HSBC Account Number : XXXX When I contacted HSBC to dispute this transaction, the bank informed me that it does not have the right to dispute transactions made through XXXX. However, based on my understanding of consumer protection laws and payment processing agreements, HSBC retains the right to investigate and dispute such transactions under certain conditions, including unauthorized charges or billing errors.

Relevant Consumer Protections : 1. Regulation E under the Electronic Fund Transfer Act ( EFTA ) ensures consumers have the right to dispute unauthorized electronic fund transfers. 
2. XXXX 's terms of service and agreements with financial institutions, including issuing banks like HSBC, do not waive these rights for consumers.

Impact on Me : This incorrect claim by HSBC has caused unnecessary delays and frustration in resolving my dispute. HSBCs failure to properly investigate and act upon my request has left me without recourse for addressing this transaction.

Requested Resolution : I kindly ask the CFPB to : 1. Investigate HSBCs policy and practices regarding disputes involving XXXX transactions. 
2. Require HSBC to provide a clear explanation for its refusal to dispute the transaction.

3. Ensure that HSBC complies with all applicable consumer protection laws.

Supporting Documentation : I have attached the following documents for your review : * A copy of my HSBC account statement showing the disputed transaction.

* Correspondence with HSBC regarding their refusal to process the dispute. 
* XXXX transaction details. 
Thank you for your assistance in addressing this matter. I am confident that the CFPBs intervention will ensure compliance with consumer protection laws and resolve this issue fairly. 
Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for additional information or clarification. 
Sincerely, [ Your Full Name ] Attachments : * HSBC account statement * Correspondence with HSBC * XXXX transaction details

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
Wakefield & Associates mailed a collection letter I ask to be remove and revoke any forms of communication and damage done to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification and Validation of Collection under 15 U.S.C. 1692g To whom it may concern : I am writing to formally dispute a collection that appears on my credit report managed by TransUnion. Upon my review, I believe this collection may not meet the validity and verification requirements established under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to the aforementioned law, I formally request that : I am provided with written verification that this debt is valid, including details such as the original amount, the original creditor, and documentation proving my legal responsibility for this debt.

The debt is validated to ensure that the reported information is complete and accurate.

If this collection can not be validated, it is immediately removed from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ).

Attached to this letter, you will find a copy of my government-issued identification and a proof of address to facilitate the investigation process. Please inform me in writing of the results of your investigation and any actions taken within the timeframe established by law.

I hope this matter will be resolved fairly and in compliance with applicable federal laws. I appreciate your attention and look forward to your prompt response.

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1692g ( Debt Validation ) This section stipulates that within five days of the initial contact with the consumer, the collector must provide a written notice including : The total amount of the debt.

The name of the original creditor.

A statement indicating that the consumer has 30 days to dispute the validity of the debt.

If the consumer disputes the debt, the collector must provide written verification.

If the debt is not properly validated, it can not be legally reported or collected.

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 2024-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
I have had a transaction returned however my refund was never refunded. Someone in the company has changed my account number. They sent a XXXX of the wrong account number! I have been on the phone a total of 30 hours with customer service and have been given 5 different reason as to what is going on. They have told me over 3 times they would move the situation to a team member that is a manager or a supervisor and this has not happened. Now the transaction has been removed! This company is backed by the FDIC and other large financial institutions.

Besides not getting any answers they have blocked my number for a short time. the transaction has disappeared, Ive hung up on, And told I would be transfered to a supervisor to only be trasnfered back to a regular customer service rep.

I've Emailed over 10 Times with no response Someone in the company has changed my account details

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: 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.


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 explanation