vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 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: MO

Complaint narrative:
I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my XXXX  issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 
You were advised by me by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX Equifax Information Services LLC XXXX  XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Some one call for emergency ... ..and now they charge me ......

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/2023, I entered into a Loan Agreement with Affirm for a purchase made at XXXX. The Loan Agreement outlines the total amount financed as XXXX and the total interest to be charged is XXXX bringing the total repayment amount to XXXX 

However, Affirm billed my XXXX card a total XXXX  for the loan repayment. 

I've attempted to resolve this matter and get a refund in the amount of XXXX from them and they are refusing to refund me the money that they have unlawfully collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this.

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
Western Union sent me a promotion offering {$20.00} for making a transfer. The promotion did state that the number of {$20.00} awards was limited. Several months after I made the transfer, the {$20.00} still had not arrived. I called WU several times, and each time I was given false statements and other speculations. One time I was told that the promotion was not for existing customers, and another time I was told that my promotional email was fake. After I pressed further, the reps admitted that what they initially said was not true, and promised to fix the issue. Another time I was told that all the available promotions had already been given away. This appeared to me to be a random speculation just to end the phone call. I asked on what date the {$20.00} promotions had been used up, and the rep refused to tell me, but promised that someone would call back to tell me. ( No one has. ) I only made the transfer with WU because of this promotion, and WU seems determined to not honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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.

Complaint narrative:
My XXXX  card is XXXX, i have closed my credit card of XXXX Bank and paid all the dues but still the Experian and XXXX reports shows that I need to pay pending dues. This is impact my credit score alot where as XXXX has updated it as a closed account. The dues were paid before XXXX months and from last XXXX  months i'm raising disputes to Experian and XXXX but not help.this is effecting my credit score alot. Please find the attached XXXX from my XXXX credit bank in the below.

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 2024-01-02 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: IL

Complaint narrative:
I recently checked my credit report and noticed there were unauthorized accounts reporting

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 2024-01-02 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: IL

Complaint narrative:
I recently checked my credit report and noticed there were unauthorized accounts reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I am receiving numerous amounts of credit reports on my account that I do not authorize, they're from loan companies and they're pulling and affecting my score

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 2024-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions XXXX XX/XX/2023 not aware of this debt. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 not giving information for this collection XXXX XXXX XXXX XXXX XX/XX/2023 not aware of this collection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I have submitted my Employment Certification for all of my XXXX XXXX  periods and my eligible payments towards XXXX has not been applied. I should have over XXXX payments to begin my loan discharge but MOHELAXXXX XXXX XXXX has failed to count these correctly and applied them to my qualifying/eligible payments for the dates of XXXX. Ive been told I just have to wait but XXXX and MOHELA has had this paperwork for over XXXX  years but they are not applying it correctly. They've approved once but failed to enter my employment end period of XX/XX/XXXXXXXX  correctly, for some reason, their staff entered an employment start and end date or The XXXX XXXX of XXXX which is incorrect. They want me to submit additional paperwork and all the information from the HR Director, XXXX XXXX is there in the letter that I uploaded to their site on XX/XX/XXXX, they keep failing to review the letter fully and want me to resumbit the same information in a different format. Its ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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:
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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-02 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: FL

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

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 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I had a Large Inheritance deposited into my checking account with Capital one bank via wire transfer on XX/XX/XXXXXXXX  from XXXX XXXX XXXX bank in Alaska, they froze my account week later claiming Fraud. The bank in Alaska proved it was not fraudulent as did i and they have held my XXXX in an account that i can no longer see. I have called over 100s of times and i get a run around about under investigation to have my money moved on XX/XX/XXXX and was told it was sent back to where it originated from it is now being told to me that its still under investigation after a year & a half and I want this resolved and the money returned to me. Every time i call i get a different response it was sent back to Alaska now its with investigator i cant see my money nor do i know if it is still in Capital one bank in new York since they moved it and closed my account down. I am desperately in need of help please they have stolen my money from me is how i see it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-02 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: SC

Complaint narrative:
I previously filed a complaint against Wells Fargo who continues to make a legal determination on my behalf with being my legal consul or attorney. On or about XX/XX/2023 I was made aware of a XXXX XXXX taking money out of my account and I immediately made Wells Fargo aware of this situation and they continue to deny credit my account for XXXX stating that the transaction were authorized. It has come to my attention that according to the agreement/contract that I sign with Wells Fargo they have that specifically states that if you tell us within XXXX business days after the loss, you can lose no more than XXXX so why are they withholding XXXX which way more than XXXX. They are now in XXXX of contact and I will be filing a XXXX claims for not only XXXX of XXXX but securities 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 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My daughter opened a student checking acct with Bank of America in XXXX. My name was on the acct as well. BOA promoted these " beginner '' accts as non-fee. Later, the acct status was changed to their most elite product ( now known as " Advantage Relationship '' ) that required a minimum {$20000.00} average daily balance to avoid the XXXX XXXX monthly maintenance fee. Neither she nor I authorized this change as, obviously, a college student can not maintain that balance. XXXX XXXX, branch manager, at BOA unit # XXXX, suggested in a phone call on XXXX that this could be a coding error. 

BOA accts that benefit from direct deposit are also not subject to fees regardless of the balance. XXXX XXXX and her associate, XXXX XXXX, have confirmed this to us. Although my daughter 's paychecks have been direct deposited into this account since beginning her first professional job in XX/XX/XXXX, the XXXX XXXX monthly fee was still charged. So, for XXXX  months ( XX/XX/XXXX to XX/XX/XXXX ) qualifying direct deposits ( more than the {$250.00} minimum ) went into this acct. This indicates a refund due of {$4100.00}.

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 2024-01-02 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: FL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2024-01-02 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
My purse was stolen during a football game in XXXX  included in my purse was my driver 's license and social security cards. I made a police report and was advised to continuously monitor my credit report. I recently requested a copy of my credit profile and noticed accounts and inquiries that are not mine nor do I have any knowledge of. I've contacted both XXXX and XXXX requesting verification in attempt to get this resolved. Neither company have provided an updated or resolution. Furnishing this information to my profile is violating my consumer rights specifically 15 USC 1681B, furnishing any information without my permission or written consent, and 15 USC 1681 C-2, furnishing accounts due to identity fraud. These accounts and credit inquiries that I have no affilation with are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX include XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Im not sure who has been trying to gain lines of credit, but its severely impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: NC

Complaint narrative:
My purse was stolen during a football game in 2018, included in my purse was my driver 's license and social security cards. I made a police report and was advised to continuously monitor my credit report. I recently requested a copy of my credit profile and noticed accounts and inquiries that are not mine nor do I have any knowledge of. I've contacted both XXXX and Transunion requesting verification in attempt to get this resolved. Neither company have provided an updated or resolution. Furnishing this information to my profile is violating my consumer rights specifically 15 USC 1681B, furnishing any information without my permission or written consent, and 15 USC 1681 C-2, furnishing accounts due to identity fraud. These accounts and credit inquiries that I have no affilation with are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Credit Inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im not sure who has been trying to gain lines of credit, but its severely impacting my credit profile.

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 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive disputed the XXXX XXXX XXXX XXXX in the past and has been removed but they keep putting back on my Equifax report when this is well over limitations this is an FCRA violation please remove permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Tuesday XX/XX/2024 I received a call from someone from Bank of America named XXXX XXXX. 

She stated she wanted to verify that I was the person who filed the complaint. 

Thats it. No additional information about the process except it will take 3-5 days. 

That was done for compliance purposes only, but is not customer service. 

Why call the customer with no solutions or answers?

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