vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have an account with XXXX XXXX  and I initiated 6 wire transfers through XXXX XXXX  during the period XXXX XXXX. 

On XX/XX/XXXX i wired {$40000.00} to XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America , National Association : Bank addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Routing number XXXX from my XXXX XXXX  account. 
XXXX claim number XXXX XXXX The above money was wired by me to this fraudulent account through a whatsapp scam. I already complained to XXXX XXXX XXXX to follow up with BOA to recall this wire. Despite numerous attempts, BOA didnt respond immediately and finally XXXX received a response as below XXXX XX/XX/XXXX, we received a message from the beneficiary bank stating the funds are no longer available for return. We initiated a wire recall request to Bank of America for {$40000.00}. We received a response from the beneficiary bank stating they need a Hold Harmless Indemnity Agreement to be sent. To follow up on the Hold Harmless Indemnity Agreement. 
XXXX asset trf team has already sent this when i spoke to chase on Thursday XXXX but there has been no communication from BOA. Appreciate if you could work with BOA to assist with this process so we dont delay any further the wire recall process and we end up not having any funds in that account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
The account was settled and the company XXXX XXXX XXXX paid in full and a refund then reversed it 2 months later causing me adverse harm to my bank account and credit worthiness. Now they are reporting the account as late and reporting inaccurate information. I also sent them a cease and desist and they still continuously harassing me causing me XXXX  and mental anguish. Being duly sworn, hereby swear under oath that : My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to optout of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process. Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment.The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of XXXX. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated XXXX  by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.

Under penalty of perjury, I hereby declare and affirm that the abovementioned The statement is, to the best of my knowledge, true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have had a PayPal account for over 10 years for two business accounts.

PayPal has changed CEO 's and my understand the business has changed greatly.

As of the last 2 payments, PayPal is now holding my payments and delaying them 1-5 days. 
I have contacted the company a couple of times, and they are very vague with why they are holding the money. It is in the transfer to the XXXX  XXXX XXXX and never has been held in over 10 years. The Vendor client is the same for 8 years and the transfer process has never had an issue. 
Are they holding the money to have cash flow at their own company? 
I am going to discuss with my client and moving forward ask for a different method of sending my payments. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: NJ

Complaint narrative:
I am writing to follow up on my dispute regarding the discrepancies reported on my credit report. After a thorough review of the information provided, it has become increasingly clear that there are numerous inaccuracies and unverified entries that are adversely affecting my credit 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 non-monetary relief
Consumer complaint received 2024-02-12 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I called Jefferson Capital System at ( XXXX ) XXXX and was screened, then transferred to someone that was trying to screen me again. I told them that I am not giving them any more identifying information of mine because this account is not mine. She said this account was creat in XXXX and went to collections in XXXX. I told her that I am with XXXX and have been with XXXX. I asked her to immediately remove this because they are trying to fraudulently collect on an account that is not mine. SHe said that she would place fraud on it and then she hung up. She did not say if or when this would be removed from my account. This is hindering me. Please make them remove this fraud item that has never belonged to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have submitted multiple disputes to Experian regarding grossly incorrect reporting of a negative payment history on a XXXX XXXX account # XXXX... 

Experian continues to violate federal law, specifically the CARES ACT and FCRA, by illegally reporting inaccurate information as late payments. They are aware this information is incorrect. I have sent them ample documentation which they always ignore. 

Furthermore, I have invoked section 611 of the Fair Credit Reporting Act, and Experian has failed to respond with any specific details to support their actions. 

Experian is well aware they are falsely reporting late payment history inaccurately, and causing me financial harm ; as I am unable to refinance this loan until such time a they correct my credit report. 

This is costing my family excessive amounts of money each and every day that Experian is allowed to continue this travesty.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have sent in countless documents advising them of my address, however they continue to display this erroneous information. I've even went as far as XXXX  the address and sending them a picture of it to prove one its not address nor is it even a residential property.

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 2024-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regional Acceptance claims that my debt was not sold but has released all my personal information to a unfit company that has all of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear, Credit report agencies your Investigation took more than 30 days. 

Please remove immediately. 

Will invoice CPA for violations if not removed. 

See attachment. 

In attachment all unknown and inaccurate items are in the FTC report. 

I uploaded all information to move forward with removing those items I enclosed everything you need I.D Social security card and mailing documents.

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 2024-02-12 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-02-12 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: IL

Complaint narrative:
I kindly request the immediate removal of this inquiry from my credit report, as it is not associated with me, and I have no affiliation with the involved creditors.

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 2024-02-12 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts that i have no business with attached to my report i need them removed from my credit immediately.

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 2024-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I sent a previous complaint through CFPB, Company stated they would mail information about the account that I have yet to receive. Company also stated that they own the debt. I have never done business with this company. They have not provided any information to prove I owe this debt nor have they shown they have the right to report the information to my credit. The company also stated account was from EXETER FINANCE, however EXTER FINANCE is reporting on my credit also.

Exter Finance is reporting multiple accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Yakima County Credit Service, INC
State: WA

Complaint narrative:
On my XXXX attempt, 14 months ago ( XX/XX/XXXX, ) during a phone call with someone named # XXXX at XXXX XXXX, I requested a copy of the contract with XXXX XXXX XXXX. I informed YCCS A National Collection System that I never signed into a 1-year contract with XXXX XXXX XXXX XXXX I informed them that they are attempting to collect a debt that is not mine. I was never sent what I requested 14 months ago, nor can YCCS provide proof that they sent me a copy of the contract I requested. 
14 months later, after I called YCCS, they did finally send me a copy of the contract I requested. I called YCCS on XX/XX/XXXX, at XXXX XXXX, after I received a collection notice from them. I informed YCCS during my 2cd discussion with them that, again, they are attempting to collect a debt that is not mine. 
XXXX at YCCS lied to me and said my signature was on the contract with XXXX XXXX XXXX XXXX. The calls with YCCS are recorded calls and they lied to me 2 times by telling me they sent me a copy of the contract I requested on XX/XX/XXXX and by telling me that I signed the contract. 
I have attached a copy of the contract. Please note the following : states that the agreement is with XXXX XXXX, not me. 
states ( by the XXXX owner ) that XXXX XXXX signed up herself, XXXX XXXX and XXXX XXXX for a XXXX membership. My signature is nowhere on the contract. 
the contract is signed by XXXX, whos name begins with a XXXX  letter, my name does not begin with a XXXX  letter. 
My name is listed, but no signature binding me to the contract. XXXX added me to her account. 
No signature binding me to the contract, again the signature of XXXX XXXX is on the contract. 
Name of XXXX XXXX listed ( minor ). 
Signature of XXXX XXXX, again no signature binding me to contract Emergency Contact # 1 name misspelled and a different address listed than 1 for XXXX XXXX for the gym membership. 
I request the YCCS A National Collection System CEASE & DESSIST collecting this debt on me, XXXX XXXX XXXX. I am not bound to this agreement. My signature nowhere on the contract. 
I have attached the contract and the areas of significance are highlighted orange. Also, a copy of the only collection notice I received from YCCS 14 months after I contacted them. Additionally, I attached the unprofessional handwritten envelope the contract was sent in. I never received anything like this in the past from YCCS. XXXX lied to me about sending it 14 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have received a notification that PENTAGON FCU ( Credit Union ) has made a hard inquiry on my credit repot on XX/XX/2024 without my consent. I haven't shared my credit/social security with any company lately. Not sure where they got my information from. I would like to have the inquiry removed from my credit as I didn't authorize it.

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 2024-02-12 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
On XXXX I received a notification about a hard inquiry on my credit report from AAdvantage Aviator XXXX XXXX XXXX XXXX XXXX also known as Barclays. 

I called the company to notify them that the activity was fraudulent and they notified me that the account has been closed, but they would need to do an investigation that could take up to 45-60 days before it reaches the credit bureaus, especially XXXX XXXX since that is the only one the inquiry is currently being shown on. 

XXXX is telling me they need a letter, but I can't provide a letter that I don't have from the lender and I want the inquiry removed from my report ASAP. 

So essentially my complaint is against both the lender and XXXX for this inconvenience. 

Lender info is 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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear, Credit report agencies your Investigation took more than 30 days. 

Please remove immediately. 

Will invoice CPA for violations if not removed. 

See attachment. 

In attachment all unknown and inaccurate items are in the FTC report. 

I uploaded all information to move forward with removing those items I enclosed everything you need I.D Social security card and mailing documents.

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear, Credit report agencies your Investigation took more than 30 days. 

Please remove immediately. 

Will invoice XXXX for violations if not removed. 

See attachment. 

In attachment all unknown and inaccurate items are in the FTC report. 

I uploaded all information to move forward with removing those items I enclosed everything you need I.D Social security card and mailing documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: OH

Complaint narrative:
Keybank opened an account in error with my deceased grandfathers name ( we have the same first name ). The account was reopened but the account bonus I qualified for does not apply anymore since this is technically a second account. However the bank manager stopped answering my calls and I am owed a new account bonus of {$400.00} with no response from this bank since a month ago please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Todays Date ] Experian [ Experian 's Address ] [ City, State, Zip Code ] Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding the information contained in my credit report maintained by Experian. It has come to my attention that there is a collection account listed on my report, which appears to have been furnished by XXXX XXXX XXXX XXXX. However, upon careful review, I have determined that this entry may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I wish to emphasize that I have not engaged in any business dealings with XXXX XXXX XXXX XXXX, nor have I provided consent for any other entity to transfer any purported debt to them. As a consumer protected by the FCRA, I am entitled to accurate and verifiable information on my credit reports. 

Therefore, I kindly request that Experian conduct a thorough investigation into the validity of the collection account in question. I ask that you request documentation from XXXX XXXX XXXX XXXX demonstrating the existence of any contractual agreements between us and the legal basis for the collection activity. 

Furthermore, I have not received any prior correspondence from XXXX XXXX XXXX XXXX regarding this alleged debt. Without proper notification, I am unable to address any outstanding obligations. Therefore, I request that you suspend reporting this account until the validity of the debt can be adequately verified. 

In light of the circumstances, I respectfully request that Experian remove the disputed collection account from my credit report. Its presence is adversely affecting my creditworthiness, and its removal is necessary to ensure the fair and accurate reporting of my credit history. 

I appreciate your prompt attention to this matter and kindly ask that you provide a written response within 30 days, as required by the FCRA. Failure to do so may result in further action being taken to safeguard my rights under the law. 

Thank you for your cooperation and assistance in resolving this issue.

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 2024-02-12 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: DE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-02-12 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: DE

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation