vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
I signed up with XXXX XXXX at XXXX XXXX in XX/XX/XXXX for a bi-weekly fee of {$25.00}. 

In XX/XX/XXXX, I submitted my verbal request to not renew my membership to an employee by the name of XXXX. XXXX assured me that my membership will not be renewed, however this was all verbal. 

I came to find that I was still being charged in XX/XX/XXXX. I disputed the charges and when I spoke with the general manager of the gym XXXX, he denied ever receiving the request to not renew the membership. He informed me that I still owed the XX/XX/XXXX charges and that I would need to submit a written cancellation with a one month notice. 

On XX/XX/XXXX, I paid the two charges that I Disputed earlier in XXXX as well as the next two weeks for a grand total of {$75.00}. 
( proof of payment attached, " XXXX CC Statement '' ) On XX/XX/XXXX I also submitted a written cancellation with month 's notice that was signed and received by XXXX from XXXX XXXX ( attached, " XXXX Cancellation Form XXXX '' ). 
Proof of receipt of cancellation on XX/XX/XXXX is attached as the cancellation form was emailed to me by the XXXX XXXX email address ( attached, " email proof '' ) On XX/XX/XXXX I paid {$45.00} for the final two weeks of the membership. This was {$20.00} higher than my membership price. ( proof attached, " XXXX CC Statement '' ) On XX/XX/XXXX, one month after submitting my written cancellation, I was charged again for {$45.00} On XX/XX/XXXX, I was charged ANOTHER {$45.00}. 
I disputed the XX/XX/XXXX and XX/XX/XXXX charges with my bank and received my refund. 
Proof attached of XX/XX/XXXX charges and XX/XX/XXXX charges + reversals of XX/XX/XXXX and XX/XX/XXXX -> " XXXX CC Statement '' Now, the financial solution company of XXXX XXXX XXXX XXXX XXXX ABC Fitness Solutions , is emailing me and calling me nonstop saying that I owe them {$210.00} This sparked an email thread between myself and XXXX XXXX  and ABC Fitness Solutions . I demanded Debt Validation 4 different times and was ignored completely by both parties. As per the attachments to this complaint, I paid all my balances and was even charged extra. After 17 emails, I have yet to receive proof of debt from neither XXXX XXXX nor ABC Fitness Solutions. Conversation is attached " Email Thread ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a natural person. My legal name is XXXX XXXX XXXX XXXX XXXX. The consumer reporting agency continues to violate my rights. The consumer reporting agency continues violate 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting, ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency has caused me and my family immense hardship with there illegal reporting. Their reporting is hurting accessing MY equity in MY home because of illegal entries in my report. They claim to have done an investigation, that they did not do by the letter of the law. Who did they speak to that could speak to my character??? 

The consumer reporting agency violated:15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
Account : XXXX XXXX, XXXX  XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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 a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: NC

Complaint narrative:
THIS WILL BE ANOTHER COMPLAINT BECAUSE DIDN'T GIVE FTC ENOUGH TIME TO RESPOND LAST TIME. I have reached out to the company and XXXX multiple times for them to take this off my credit. I was on the phone with supervisors and hanged up on because I told him that I don't have access to whatever email they are trying to reach me at and handle this situation they won't help. I have also submitted documents to XXXX and contacted the FTC. This is effecting my 100 % parent history on my credit does not match my profile at all this was FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
With the consumer laws 15 USC 1666B states that a creditor may not treat a payment on mortgage loan account under an open end consumer credit plan as late for any purpose. 

Account # 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 2022-07-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
creditor called me as a md resident on a sunday regarding a past due payment

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 2022-07-28 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : JPMCB CARD Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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:
THIS WILL BE ANOTHER COMPLAINT BECAUSE DIDN'T GIVE FTC ENOUGH TIME TO RESPOND LAST TIME. I have reached out to the company and Experian multiple times for them to take this off my credit. I was on the phone with supervisors and hanged up on because I told him that I don't have access to whatever email they are trying to reach me at and handle this situation they won't help. I have also submitted documents to Experian and contacted the FTC. This is effecting my 100 % parent history on my credit does not match my profile at all this was FRAUDULENT.

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 2022-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/2022 I exercised my right to extend credit with Capital One Bank. Capital One Bank discriminated against my rights and provided me with an adverse action letter on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: PA

Complaint narrative:
I have actively said, showed proof of fraud and identity theft by XXXX XXXX of hard inquires on my 3 credit bureau 's along with one fraud account with XXXX and Experian. I was notified and contact by my bank who were the ones that identified the situation and put it to a stop. 

The police on site said since their was no money physically taking which was a good thing their was no need for a police report or investigation. Before that I only check my credit report if i ever file for something or once every 2 to 3 years. 

For some reason the credit bureau 's are saying one thing compared to what the creditors are telling me. I need this fixed asap as this is the first time in 40yrs this has ever happened to me. I been following every steps that my banks and credit agencies have been telling me for 2 months now. 

As far as changing bank account numbers and all credit card and debit info, fraud alerts and identity theft reports. Please help as this is drastically effecting my great credit scores I first reported XX/XX/XXXX then on XX/XX/XXXX to all credit bureau 's. Please help me. as I have heard anything back. Its almost XX/XX/XXXX. Thats about 3 Months my credit score dropped over XXXX points because of this. 

Original CFPB Complaint # XXXX Please help me

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion is reporting inaccurate and unauthorized inquiries on my credit report. I have called and contacted Transunion multiple times by fax, email, US Mail, and telephone. The Transunion rep told me that the inquiries would only be there for two years which is not a long time in her opinion

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 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I have been a customer of Robinhood for over a year. I have a debit card with them as well as doing some trades. 

They restricted my account to verify my identity, their app to verify my identity won't work. 

They won't let me trade, withdraw my money or spend money on my debit card and they are taking too long and not taking this process seriously, it has been close to 2 weeks. 

At first it seemed like a standard thing to do however after they restricted my account they withdrew {$5000.00} USD from my account and locked that up as well. 

I asked them 'if they were afraid that I wasn't who I said I was why would they restrict everything except taking more money out of the bank account in question and locking that up too? ' They did not give me a satisfactory answer, nor did they reverse the {$5000.00} USD debit from my account and it has been close to 2 weeks with 0 access to my funds without any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
I am a human and a natural person my name is XXXX XXXX and the credit bureaus are violating my rights and I am really upset. They need to remove the accounts immediately. Also, it is not 100 % accurate with all the credit bureaus. 

Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX Account # XXXX 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 an 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 r
eport by more than seven 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 2022-07-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was locked out of my XXXX account since XX/XX/2022 and unable to make payments. There is no phone number and I have sent numerous emails which are not responded to. I was able to gain access to my account in XX/XX/2022 and my account was listed as a 30 day late notification which showed on my XX/XX/2022 credit file. I since have sent multiple emails that still have not responded. The only means of contacting customer service with XXXX in clicking a link for support which no one responds to. This 30 day late has tremendously affected me as I was going to closing for my first home and this negative notation on my report has halted that. Also, XXXX start charging an XXXX dollar fee which there was no option or ability to close account due to this fee

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 2022-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: KY

Complaint narrative:
I received my direct deposit this morning ( XX/XX/XXXX ) and was finally able to start using my Discover banking card. They closed my account without warning not even 24 hours later and they said that I wont be able to get available funds for two months ( 60 days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below * XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently requested the credit bureaus verify all data reporting on my credit file. They completed their investigation and stated everything was verified. After a thorough review i fount some accounts to be not mine and requested proof of ownership and proof I owe this debt. these are the accounts listed below * XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX in accordance with the fcra guidelines these creditor have violated my rights under 15 U.S.C 1681 sec 609. States a consumer may request a copy of contract used to validate ownership 15 U.S.C 1681sec 602 A. States I have the right to privacy 15 U.S.C 1681 sec 604 A sec 2. states a consumer reporting agency can not furnish an account without written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: UHG, LLC
State: NV

Complaint narrative:
Back in 2017, I used to have a credit card through XXXX. I was unable to make payments so I stopped paying on it. 

Over the next few years, XXXX eventually charged the account off. I never received anything in the mail notifying me of this. Then, the third party debt collection agency, " UHG XXXX, LLC '', took over the debt, which I wasn't made aware of. They summoned me to court but I tried settling with them out of court. During this time, the Pandemic caused my job to lay me off. I called XXXX XXXX XXXX XXXX ( The Attorneys for UHG ) so I could try to ask for more time. They told me to just give them a call back when I get another job. 

2 years later, out of nowhere, these guys just started taking money from me. I never received any letters notifying me that any of this was taking place. And now I am being garnished {$400.00} per paycheck. The way these people are handling my case is unacceptable as well as unfair. I am currently taking steps to try and sue these people for their incompetent and predatory practices. Please help me in any way that you can. Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: FL

Complaint narrative:
there was an update on XXXX  XXXX XXXX account saying charge off on XX/XX/22. Account been closed for years. It was never a charge 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 non-monetary relief
Consumer complaint received 2022-07-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
there was an update on XXXX XXXX XXXX account saying charge off on XX/XX/22. Account been closed for years. It was never a charge off

Company response to consumer: Closed with explanation