vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: TX

Complaint narrative:
On XX/XX/year> around XXXX XXXX I remitted {$3200.00} to a friends account at XXXXXXXX XXXX based in XXXX using a financial service called Remitly and the transaction was confirmed as complete. But after I sent a confirmation to my friend he noticed that I had made a mistake of the banks name - it was supposed to be XXXX. Remitly currently only services two banks in XXXX XXXX and XXXX. 
I called them to inform them that there was a mistake in the recipients bank and they promised to get back to me within 24 hours. After 48 hours I called them and they told me there is nothing they can do as the recipient had received the money already. I asked the recipient to go and report at XXXX XXXX  in XXXX and they informed him that if the money was wronged sent to that bank, they will return it to the sender. I called Remitly at least XXXX times and they kept me giving me a run around and finally one agent asked me to provide the recipient bank statement to show that he did not receive the funds. I uploaded the statement and he promised to get back to me within 24 hours. He never did. I called them, and they assured me the recipient bank had acknowledged receiving the money and will be reversing the transfer and I should call back within 24 hours. I called back and they told me there is nothing they can do. I actually have the text communication I had with them. This has been a huge inconvenience on my part and I dont think this company is willing to resolve this issue. The money was sent to a wrong bank and there is no way the recipient got the money and I pray that you can help me recover my money from this company. I have asked to speak to a supervisor at least 10 times and they keep saying they are busy. This customer has the worst customer service and if they can answer basic questions and resolve issues, they should not be allowed to handle peoples money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: CA

Complaint narrative:
This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : 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 2024-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
On XX/XX/year> with American Credit Acceptance and the adverse action taken against me in the denial letter I was sent on XX/XX/year>. The entire application process was discriminatory and deceptive. My application was made in good faith as a consumer credit transaction solely for personal family and household purposes. My signature that was obtained during the application is the value that was given and I have received no equal consideration. The disclosures as well as the terms and conditions during the application process were adhesive and I was unable to negotiate or opt out. 

On XX/XX/year>, I received an adverse action letter stating that my application was denied due to information accessed from my XXXX credit report. The letter was filled with deceptive, vague and contradictory language. ( Ex. The reporting agency played no part in our decision & We also obtained your credit score from the following consumer reporting agencies and used it in making our credit decision ). I contacted the number provided on the denial letter to get additional details and spoke with multiple representatives including XXXX XXXX ( XXXX. of operations ). All of the representatives I spoke with told me that my denial was based on a credit freeze on my XXXX report. I was advised to reach out to XXXX for more information. After speaking with a representative from XXXX I was informed that there was no credit freeze whatsoever on my profile but that there was an extended fraud alert. I was informed that the fraud alert does not effect my ability to obtain credit. It is solely for third party companies who are attempting to check my credit to take extra verification measures to confirm my identity BEFORE completing any applications. ACA did not contact me for further verification before furnishing an inquiry through XXXX report and denying my application although my email address, home address, and phone number were submitted on my application. 
I have attempted to deal with the company personally after speaking to XXXX XXXX ( XXXX XXXX XXXX  ). He refused to give me his work email and instead gave me the general underwriting email. I have attempted to email the underwriting dept as well as the XXXXXXXX XXXX XXXXXXXX with my complaint only to receive " delivery failure '' responses or " mailbox is full ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Per Wells Fargo application XXXX I applied Wells Fargo for a credit card after 15 years working to get an XXXX credit score. 
I was declined based on too many inquiries : ( I had None- XXXX inquiries ) After applying with them and 2 runs on my credit report my score went from XXXX to XXXX in 1 week!!!!! 

The amount of credit available was 2nd reason ( my available credit is 100 % ) 3rd denial reason : too many inquiris or applications for credit in the last 3 months ( we look at how much credit you may be taking on ) ( I have one mortgage, ONe XXXX and a XXXX with {$500.00} and {$200.00} limits. 

I make a XXXX figure income. I have a checking account with an overdraft of {$250.00}!!!! 

School loans are in PSLF as I work for nonprofit but the amount is XXXX $ I have no other credit cards and 14 years ago I had a lot of credit but all paid and never late stated on the credit report which is the 4th reason they stated that : number of bank card accounts ( all closed and paid, never late )!!! Wells Fargo stated that : " We look for a history that show how you've managed credit over time ) This are 4 false reasons and the Person XXXX XXXX who stated my account was reviews and " Yeah we are not going to give you credit for the same reasons Not only did they run my credit but stated 2 inquiries in 1 week on my credit report. Once I called and let them know that was not legal. It was removed but only because XXXX stepped. in. 

XXXX the Escalations manager insisted I call the " XXXX '' number again for customer support which he knows gives are limited and can only refer me back to Him! 

I wrote them and asked for an explanation only to get 2 letters of denial XX/XX/year> and XX/XX/year>. I called and XXXX XXXX who seems to have no supervisor in the Escalations Department in the XXXX XXXX XXXX XXXX seems to think that it is fair practice, At this point I want the inquiry removed as this was the only one on my credit report even though the ADVERTISE their card is only for people with scores of excellent credit. 

As a XXXX XXXX and XXXX I have seen several cardholder given cards with scores in the XXXX 's get over XXXX in credit? From Wells Fargo!!!!!

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 2024-07-25 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have Violated my rights 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 consumer reporting agency can not furnish a account without my written instructions.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX 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 below : XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX 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 below : XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-07-25 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-07-25 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: GA

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-07-25 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: GA

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: PA

Complaint narrative:
I am writing to lodge a formal complaint concerning severe discrepancies on my credit report that have yet to be resolved despite my previous attempts. The fraudulent entries include multiple accounts and inquiries that were not initiated or authorized by me. This is my third attempt to address this matter, and I demand immediate and thorough action.

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 2024-07-25 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: PA

Complaint narrative:
I am writing to lodge a formal complaint concerning severe discrepancies on my credit report that have yet to be resolved despite my previous attempts. The fraudulent entries include multiple accounts and inquiries that were not initiated or authorized by me. This is my third attempt to address this matter, and I demand immediate and thorough action.

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 2024-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: CT

Complaint narrative:
This is a very old debt from 2014 it says on the email they sent.. Ive dispute of my credit report from I believe the XXXX XXXX company years ago. The original company was XXXX and I think the phone line was suppose to be purchased from another company and it didn't go through. And somehow TrueAccord Corp now has it. And because I've disputed this once with the other company I'm contacting you all ; before this goes any further, and somehow ends up back on my credit report. Im unsure of how they even got my email address. And they still have the address listed from when I switched lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XXXX XXXX I did a claim with chime .Someone made an account in was taking my money.I made a police report in everything that was my money for my bills. Im a single mother of two in its hard for me to get my money away

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: PA

Complaint narrative:
I am writing to lodge a formal complaint concerning severe discrepancies on my credit report that have yet to be resolved despite my previous attempts. The fraudulent entries include multiple accounts and inquiries that were not initiated or authorized by me. This is my third attempt to address this matter, and I demand immediate and thorough action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This letter is to formally state that XXXX XXXX XXXX XXXX XXXX is not properly bonded to collect debts in the state of New York. According to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) : " No person shall engage in business as a principal debt collector in this state without first having executed and delivered to the XXXX a bond in the sum of XXXXXXXX XXXXXXXX dollars. '' As XXXX has not provided evidence of such a bond, they are not legally authorized to collect debts in New York State. The debt in question, associated with XXXX Account No. : XXXX and Case No. : XXXX, has been reporting on my credit report since XX/XX/year>. 
The improper reporting of this debt by an unbonded collector has resulted in encumbrances and multiple credit denials, causing significant financial harm.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXXXXXX 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 2024-07-25 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX 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