vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-23 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: GA

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information and accounts in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX XXXXXXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: GA

Complaint narrative:
Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23 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: GA

Complaint narrative:
Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Re : Acct : XXXX XXXX To Whom It May Concern : I am writing as a member of the nationwide class of the XXXX XXXX XXXX XXXX XXXX, No. XXXX class action settlement. Essentially XXXX XXXX was sued for predatory lending practices, improper notices in connection to collecting on loans as well as various violations of the XXXX code. While I only received a small amount of money from the settlement as a class member, XXXX also agreed to request that the XXXX nationwide consumer reporting companies XXXX, Experian, and XXXX delete trade-line information on your credit report related to your account with XXXX that is the subject of this case, as well as ceasing accrual of finance charges and late charges on deficiency balances. In fact, my XXXX  XXXX XXXX was repossessed I believe 3 times during the requisite time period. This has not been done and this account still appears on my credit report The purpose of this letter is have this account removed entirely from my credit report as it is clearly having a negative impact on my credit as mandated by the aforementioned class action settlement agreement. I trust you will adequately investigate this matter and remove this tradeline within the timeframe as provided by law.

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 2022-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
I had an account with Paypal and was using it to handle some online transactions involving our website. I had a balance of {$920.00} USD in my account and suddenly one day my account funds were frozen. Around late XXXX, Paypal claimed that I violated their Acceptable User Policy and as a penalty froze my money for which they said would be for 180 days. On XX/XX/XXXX Paypal completely withdrew all of my funds and kept it for themselves. The Paypal transaction ID is XXXX I tried to contact them multiple times over the next couple years to recovery my funds but rather than let me explain that there was no violation of any Acceptable User Policy, they refused to hear my situation and kept rejecting my requests for the account funds to be rightfully returned to me. 

They claimed that I sold adult content using their platform. However, what I sold was just online VIP membership upgrades via the chat software we use on various websites throughout the internet. There was absolutely no adult content being sold. 

I tried to explain this through multiple channels and reached out to various departments but the rejected me each and everytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, Equifax and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. 

XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage SER 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 explanation
Consumer complaint received 2022-07-23 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: MS

Complaint narrative:
I sent my letter off on XXXX the XXXX I told the credit bureau to investigate every piece of information on the accounts I have listed below. 

XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX The company contacted me and sent me back a copy of my credit report saying that the account were verified But how are they verified and up-to-date when it shows that the last date they were Investigated or verified were in 2019. This means that the company did not do as I wished and investigate these accounts that I have questions about And their accuracy which is still a question to me. Since the company did not investigate these accounts within the 30 day. As stated by law this this is a violation. I feel offended and that they have insulted my intelligence by telling me that they did something when it shows in the report that they sent me That I have attached below as well that they did not do anything.

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 2022-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I have attempted on many occasions to have this debt deleted. FAIR COLLECTIONS & OUTSOURCING hast two debts listed on my credit report. I asked this company to verify this was my debt and they did not verify all of the requested information nor did they respond in a timely manner. I want both of these debts deleted from my credit files. I asked this company to forward details about their authority to collect this debt, whether they were licensed in my state and if so to provide the date of the license, name of the license, license number, and the name of the state agency issuing the license. They also provided my mailing address as XXXX XXXX XXXX XXXX MD. I have no idea whose address this is. I sent a certified copy of the correspondence the documented date they responded was the year XXXX. I want this information removed from my report immediately and I don't want them to have the ability to ever report it again. I am trying to get a personal loan for consolidation and this collection continues to hinder me from getting the loan.

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 2022-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Re : Acct : XXXX XXXXl To Whom It May Concern : I am writing as a member of the nationwide class of the XXXX XXXX XXXX XXXX XXXX, No. XXXX class action settlement. Essentially XXXX XXXX was sued for predatory lending practices, improper notices in connection to collecting on loans as well as various violations of the XXXX code. While I only received a small amount of money from the settlement as a class member, XXXX also agreed to request that the XXXX nationwide consumer reporting companies XXXX, XXXX, and TransUnion delete trade-line information on your credit report related to your account with XXXX that is the subject of this case, as well as ceasing accrual of finance charges and late charges on deficiency balances. In fact, my XXXX  XXXX XXXX was repossessed I believe 3 times during the requisite time period. This has not been done and this account still appears on my credit report The purpose of this letter is have this account removed entirely from my credit report as it is clearly having a negative impact on my credit as mandated by the aforementioned class action settlement agreement. I trust you will adequately investigate this matter and remove this tradeline within the timeframe as provided by law.

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 2022-07-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
I contacted XXXX in XXXX when I got a credit card bill. I called and told them it was identity theft and that I never opened a card with them. They told me they would take care of it and not worry. In XXXX, I checked my credit report, and they put on the credit report that I owed money. I called and tried to resolve the matter, but they told me they no longer had access to the fraud account under my name ( which wasn't mine. It was fraud ) and that they couldn't close it even though I had documentation to prove that it wasn't me including a police report for fraud and identity theft. They told me to dispute through the credit report companies, but I was denied a dispute because the company still says it's me even though it isn't. I want this resolved, or I will contact the police again about this issue with XXXX. This is ridiculous, and it is the company 's fault for not double-checking when someone opens a card in someones else 's name. I want this off my record cause it is not me. XXXX sent a debt collector to me for {$5100.00} in XX/XX/2022. I will not pay this cause this is fraud debt.

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 2022-07-23 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/2022 I checked out of the XXXX XXXX XXXX using my Navy Federal XXXX  XXXX  Credit card ending in XXXX with the card name XXXX XXXX. The total charge upon check out was {$11000.00}. This charge posted on XX/XX/2022 to my statement and was paid. Subsequently, on XX/XX/2022 this charge reappeared on my statement with the same transaction date of XX/XX/2022 for the same amount. After noticing this and calling the bank, I was told that it must have been a hotel error and that this charge could NOT be removed while investigating. The hotel only sees one charge. I've only been to XXXX ONCE and I did not make this XX/XX/XXXX charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 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: FL

Complaint narrative:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I initiated an ACH transfer from outside website from my ally bank checking account. It was for {$32000.00} for Thursday ( XXXX XX/XX/2022 ). Within 3 hours, I reallized that i need to stop that transfer. Tried chatting with Ally bank customer service... more than 45 minutes of wait and no help even after that. Then called Ally bank... more than 1 hour on the phone with the first level and then the supervisor ( XXXX ). By around XXXX, XXXX assured me that this amount will be blocked and she charged me {$15.00} from my bank account for this stop payment. Rest assured I was okay with this resolution but later I reallized the transfer was not being stopped by Ally bank even after charging {$15.00} fees to my account on XXXX XX/XX/2022. This {$32000.00} took money out of my Ally bank account and Ally couldn't even stop it even when they knew what they had to do and charged me Stop payment fees of {$15.00}. 
I had to make another payment but I was under the impression that {$32000.00} was stopped so I made larger payment to this vendor from this website : XXXX : XXXX How shameless, clueless and hopeless Ally bank is and how they are deceiving their customers? Such a long wait time on phone as well as chat and still no good customer service. 


For more than 10 months, ally mobile app is not working. Still Ally is doing research with no status update. 
Moreover check deposits are returning as there are not enough instructions on the website. Every time you call Ally bank- they have a different person who give a different narrative of the problem/resolution. When i opened Ally bank account way back in XXXX it was good... but quality has really gone down like anything.

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 2022-07-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 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 2022-07-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-07-23 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: FL

Complaint narrative:
On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused 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 non-monetary relief
Consumer complaint received 2022-07-23 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused 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 non-monetary relief
Consumer complaint received 2022-07-23 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: CA

Complaint narrative:
Credit Inquiry is mines, and i did not authorize for my credit to be pull. I've tried disputing this many of times. 

Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Did not authorize this ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ( Did not authorize this )

Company response to consumer: Closed with explanation