vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: NJ

Complaint narrative:
These outrageous inaccuracies not only subject me to embarrassment but also constitute a significant barrier to my rightful access to credit. You and I are fully aware of the laws designed to ensure that credit bureaus exclusively report veracious credit information. It is abundantly clear that the incorporation of such blatant falsehoods in my report is either a colossal error on your part or a grievous misstep by the reporting creditor. I am seething with frustration over the unjustifiable inclusion of the following erroneous details in my credit report : XXXX XXXX XXXX and please take note that, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim. I look forward on you removing the late payments and negative status of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I mistakenly transferred money from BoA checking to a BoA credit card WAY more than what I owe. I tried to stop the payment immediately but the BoA manager said I needed to wait until the payment went through to the CC and it would be returned to my savings account in 24-48 hours. 

I called back after 6 days wondering where my refund was and they said the money would be returned to me in up to 14 days. Meanwhile, I can not pay my bills and am bouncing checking which they say I'll have to pay fees on. I don't see why it takes 14 days to return an overpayment to a BoA Credit Card when the money came out of a BoA Checking Account. 

I've spent more than 6 hours on the phone trying to work this out as I need my money to pay the bill. Everyone I've spoken to at BoA says that the people at BoA who authorize the refund can not be contacted by anyone at the bank.

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 2023-11-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and remove them immediately in my report : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NY

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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

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 2023-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: IA

Complaint narrative:
I have initiated a international remittance with Remitly, on email I have received a date and time when the amount will be received by destination account. But the amount was not received on the date and time mentioned in the status. 
When I checked with the company through chat or call support then the money is getting delivered only next day or two. This is not one time happened. It happened continuously more than 3 times in a row. 
Every time they say partner is having issue in sending the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixin this kind of stuff. Remove the late dates and negative status of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and remove these item from my credit file : 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 explanation
Consumer complaint received 2023-11-07 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:
Just like the commercial said I should I got a copy of my credit report and there are things that just arent accurate on it. I am greatly concerned because I am a good paying person and dont want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. I thank you so much for taking the time to help me fix this all up as the commercials said you would be helpful in fixin this kind of stuff. Remove the late dates and negative status of these accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: NY

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CL Holdings LLC
State: AK

Complaint narrative:
This company is disrespectful when talking to them. They don't want to hear my reasons. I told them that XXXX violated the SCRA while I was XXXX  and the collection agency Jefferson capital system won't listen to me. They keep hanging up as soon I mention XXXX. Spoke to them multiple time and they just giving me an attitude.The amount is not right too. XXXX didn't not suspend my account event when I told them that I'm deploying. So both company will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CORELOGIC INC
State: OH

Complaint narrative:
am seeing unauthorized inquiries 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 explanation
Consumer complaint received 2023-11-07 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: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
am seeing unauthorized inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to bring to your attention an issue I recently identified on my credit report, which I strongly believe to be inaccurate and detrimental to my credit status. The item in question, as detailed below, is adversely impacting my financial standing : Account # : XXXX Account Type : Open Account Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/2023 Balance : {$450.00} No. of Months ( terms ) : 1 High Credit : {$690.00} Credit Limit : {$0.00} Past Due : {$450.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/2023 Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER Date Last Active : XX/XX/2023 Date of Last Payment : XX/XX/2023 Per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. I have personally observed this entry and can confirm that it is both erroneous and adversely affecting my credit profile. Consequently, I insist on its immediate removal from my credit report to rectify the damage it has caused to my financial standing. 

I kindly urge you to undertake a thorough investigation to validate the accuracy of this information with the creditor. Should it be verified as inaccurate or unverifiable, I request its swift removal from my credit report. 

Under the FCRA, I understand that you are required to complete this investigation within 30 days and provide a response to my request. Therefore, I kindly request that you expedite this process as much as possible to alleviate the adverse impact on my credit. 

Furthermore, I request that you acknowledge receipt of this dispute letter within 10 business days and provide me with a case or reference number for tracking purposes. 

Thank you for your prompt attention to this matter. I am dedicated to resolving this dispute in a timely and cooperative manner and sincerely appreciate your assistance in helping to maintain the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NY

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and remove them immediately in my report : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My direct deposit was never put into my account. Ive called Wells Fargo multiple times, and each time I got a different answer as to why not. I requested them to call me back because I filed a complaint, and they have not yet, I am now being charged multiple late fees on multiple bills.

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 2023-11-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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

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 2023-11-07 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This complaint is a notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX and XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Bureau : XXXX Creditor Name : AMERICAN EXPRESS Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : AMERICAN EXPRESS Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX  I sent a payment in full using a negotiable instrument ( coupon ) and a conditional acceptance letter ( Reg # XXXX ) to Capital One Auto Finance to payoff the then stated payoff amount for my XXXX  XXXX XXXX from my XXXX XXXX XXXX  account # XXXX under the corporation known as XXXX XXXX XXXX. They refused to accept my good faith payment but did not return my negotiable instrument ( Coupon ) confirming their conditional acceptance of the payment in full. They sent me a so called " Validation of Debt '', which I did not request at the time and was no more than a list of payments made, and they threatened to accelerate my loan and / or repossess my truck. On XX/XX/XXXXXXXX  I sent a Writ in the Nature of Discovery ( see attached ) requesting 12 Documents with all related and associated instruments be provided and arrangements be made to inspect the documents within 21 days of the receipt of the Writ of discovery to determine if proper documentation of the debt had been maintained as required by law. This was ignored constituting an affirmation of disingenuous intent and a violation of the Freedom of Information Act which was a " dishonor '' of the " Notice for demand of Disclosure ''. So on XXXX XXXX XXXX  I mailed a Notice of Trespass to Capital One Auto Finance requesting that the debt be cleared and the title be delivered to me as remedy for the harm injury and loss sustained by me due to their breach of conditional acceptance. On XXXX XXXX XXXX  I sent a follow up letter to Capital One Auto finance Requesting that they cease and desist all collection activities and send me a statement with a XXXX balance. On XXXX XXXX Capital One Auto Finance stole my truck even though there was a dispute re : the loan and despite the fact that they were in breach of the freedom of information request and the conditional acceptance. This caused me great XXXX  and loss of work as well as significant financial hardship as i had to come up with approx. {$3200.00} to get my truck back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
am seeing unauthorized inquiries 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 2023-11-07 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
These outrageous inaccuracies not only subject me to embarrassment but also constitute a significant barrier to my rightful access to credit. You and I are fully aware of the laws designed to ensure that credit bureaus exclusively report veracious credit information. It is abundantly clear that the incorporation of such blatant falsehoods in my report is either a colossal error on your part or a grievous misstep by the reporting creditor. I am seething with frustration over the unjustifiable inclusion of the following erroneous details in my credit report : GM FINANCIAL XXXX and please take note that, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim. I look forward on you removing the late payments and negative status of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was paid out from XXXX XXXX  XXXX XXXX through PayPal and I have not received a dollar! PayPal has put my money on a tax ID hold where I provided my information and still have not given access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This complaint is a notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX, XXXX and XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

Bureau : XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry Bureau : XXXX XXXX Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was scammed by a phone caller on XX/XX/2023 who made me believe he was with American Express. I contacted American Express immediately after hanging up with the caller. 
He made purchases without my permission as we spoke. I never gave him my card information because he already must have had it. American Express is holding me responsible for charges of over {$4300.00} made in XXXX. I've been with American Express for over 50 years and never travelled out of the country, including XXXX. They never contacted me by phone to check on the charges being made. I was not protected by American Express as they claim I would be.

Company response to consumer: Closed with explanation