vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As of XX/XX/XXXX bank of america has not yet paid the claims i have filed in XXXX there was XXXX claims i had filled and they where all changed and bank of america is saying they are paying the claims and then they are writing them off this is not right my money was put in to the bank of america XXXX XXXX and i received the first check that was {$330.00} and that was it after that check all the deposits put in my account was stolen i received paper work from bank of america and there where XXXX cards being used at the same time bank of america said that cant happen well i have the statements from bank of america and it shows them all being used at the same time the whole year of XXXX and i contacted unemployment last week and i was told that unempolment put {$57.00} XXXX dollars in my account bank of america said no it was only {$3200.00} XXXX so there is another {$27.00} XXXX dollars missing so i contacted bank of america and they are just telling me that all my claims are pending well these claims have been done sense XXXX this is not fair that they can do this they have been in court and they are to pay these claims and they are not doing it they are saying they are paid and they are not and then they paid XXXX claim XX/XX/XXXX for {$75.00} XXXX and there was only {$25.00} XXXX put in the account and i called them and let them know but they are not correcting the money that was put in the account i have talked to supervisor after supervisor and nothing is getting done

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my Self Credit Card account on my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : XXXX. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( XXXX usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within XXXX days of receiving it. Failure to do so violates this section. 
2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact Self Credit Card to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of XXXX days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I hope this letter finds you well. I am writing to dispute and request the removal of unauthorized hard inquiries from my credit report. As a vigilant consumer, I recently reviewed my credit report and discovered several hard inquiries that were not authorized by me. 

The unauthorized inquiries were made without my knowledge or consent. I have never applied for credit, services, or products with this company, making these inquiries both unauthorized and inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit bureaus to ensure the accuracy and legitimacy of the information listed on consumers ' credit reports and remove them from my credit report immediately. 

In addition, I would appreciate receiving a written confirmation once the unauthorized hard inquiries have been removed from my credit report. This confirmation should include an updated copy of my credit report reflecting the changes made. 

Please note that I have also sent a copy of this letter, along with the attached documentation, to the respective company or organization responsible for the unauthorized inquiries. 

I trust in your ability to address this matter promptly and efficiently. I appreciate your attention to this issue and your cooperation in resolving it. 

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I checked my Credit and realized there a few items I am not familiar with

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 2023-06-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am an " old timer '' client of Capital One bank. On XX/XX/XXXX I have sent a letter to the bank, branch XXXX XXXX XXXX XXXX st. XXXX York. I requested not to renew my CD due to mature on XX/XX/XXXX. thus to ebable me to withdraw my money without any problems. The bank ignord my order, and renewed the XXXX for another 24 months with 0 % interest. 
As I needed the money, I had no alternative but to fly from XXXX especially for that purpose with a lot of my health problems and walking with a stick. 
On XX/XX/XXXX I arrived to the bank, and was served very nicely by the representative ( XXXX. ). She agreed to give me my money immediately, but only after deducting XXXX $ as " penalty '' and paying me XXXX ( zero ) interest from XX/XX/XXXX. 
The XXXX was due to mature just XXXX months later. that is on XXXX penalty consist 2.88 % of the total saving balance! 
Despite my agony and frustration, the representative could not help me, as her XXXX or back office, ahe spoked to on the phone, refused to wave the penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XXXX XXXX I logged into my care credit account to set up my XXXX time draft for the minimum payment due of {$110.00}. I did this and received the confirmation email. Unbeknownst to me, I was enrolled in auto draft for the entire balance of XXXX set to debt XXXX XXXX I never authorized this. I do not have a single confirmation email authorizing this amount or transaction. 

I called synchrony bank on XXXX XXXX when I received an email stating my payment was cancelled because the balance was paid in full. I asked the customer service rep to cancel the auto draft and that auto draft payment as it would cause my Account to overdraw. The customer service rep, XXXX XXXX, said he had done so and that he would reinstate my original payment. 

I realized I never received any email confirmation of my conversation. I called back into customer service for synchrony bank and spoke with XXXX. The only item that had been done was they had cancelled auto draft on my account, or unenrolled me. They could not reverse the draft ; only my bank could do that. I explained that was not the information I had been given that morning. I further explained that reviews their online mobile experience and I did not enroll to pay the entire balance. I am now incurring overdraft fees with XXXX bank, will have late charge with synchrony bank and potentially adverse marks on my credit. While I had previously been enrolled in their autopay service. I had never authorized the entire balance.

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I checked my Credit and realized there a few items I am not familiar with

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I checked my Credit and realized there a few items I am not familiar with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my XXXX XXXX XXXX account on my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : XXXX. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( XXXX usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within 30 days of receiving it. Failure to do so violates this section. 
2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact XXXX XXXX XXXX to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of 30 days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Someone fraudulently charged {$750.00} from XXXX on our card and Citi will not take it off!!!!!!!!!!

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my XXXX XXXX XXXX  account on my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : 1. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( 98percent usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within 30 days of receiving it. Failure to do so violates this section.

2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact XXXX XXXX XXXX  to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of 30 days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, 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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my XXXX XXXX XXXX  account XXXX my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : 1. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( 98percent usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within 30 days of receiving it. Failure to do so violates this section.

2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact XXXX XXXX XXXX to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of 30 days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
After purchasing a car my credit dropped which was expected so I continued to live life normal and pay off my credit and pay my car loan on time. 
Then all of a sudden I check my credit a month or two later and it continued to drop, the reason why was because of " personal loans '' that were opened and loans that are past due, they are opened with Affirm INC . I can see only partial of the account numbers that are associated with the loans. I cant see the location they were opened with, the email, nor the name. I have no way of going into this account to close it, I have no way to let customer service know the account numbers for the loan so they can pause it or close the account down. But they are connected with my credit and it is dropping it tremendously. ( over 100 points )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The issue is causing me XXXX XXXX XXXX XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
XXXX  XXXX XXXX XXXX all canceled any transaction i attempted which i paid from my debit or bank account all refused to allow me to do any transaction closed my account anf offered no explanation as to why!!

Company response to consumer: Closed with explanation