vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this letter to file a complaint against Wise.com. The XXXX of XXXX Wise.com closed my account without any warning or notification. Although I accept the closure of my account, I strongly request the return of my funds of around XXXX XXXX 

I was shocked by the sudden closure of my account, especially without any prior warning or notification. Additionally, I had no idea what terms and conditions I had violated. I had always complied with the platform 's rules and regulations. 

Therefore, I am writing to request your intervention in this matter. I believe that Wise.com should be held accountable for their actions and should return my funds. I kindly request your assistance in resolving this issue as soon as possible. 

As stated, my account with wise can remain closed. I only want my funds out. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: WA

Complaint narrative:
accounts are either listed as charged off, collection, or closed and showing a past due amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jim Bottin Enterprises, Inc
State: SC

Complaint narrative:
In XX/XX/XXXX, subscribe monthly to Anytime fitness ( ABC Fitness Solution ). I contacted the company to cancel the subscription after four months. The company stated written cancellation is only accept. and then written cancellation was sent. The company tries to deduct monies from my account after cancellation. Anytime fitness sent an email to continue a monthly subscription. Anytime fitness sent a bill for {$750.00}. On XX/XX/XXXX, The company then sent the debt to my credit report, which is currently pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Payfare International Inc.
State: MO

Complaint narrative:
I transferred {$300.00} FROM my XXXX account to an external account on XXXX, confirmation # XXXX, and it still isnt showing up in the other account as of XXXX, but it WAS taken out of my XXXX account on the same day I made the transfer. 

XXXX made first call, was told to wait 3-5 business days. 

XXXX made second call, was transferred from person to person, until finally a member of their executive team spoke with me, and said I would be receiving an email regarding trace # XXXX, Ive yet to receive said email. 

XXXX called again, transferred multiple times, then finally to a member of their executive team, to be told theyd look into it. 

XXXX still no email re trace number I was given on XXXX XXXX called again, spoke to XXXX at XXXXXXXX XXXX via live chat. He then phoned ME at XXXX. Assured me that he would send an email. 

XXXX received an email from XXXX with a reference number of XXXX, and a request to reply to that email with a screenshot of the trace number that I was given previously. I replied to that email, explained again that I was never sent an email regarding a trace number, that the trace number was given to me via telephone call. I included the trace number, along with a copy of the confirmation I received on XXXX when I originally made the transfer. 

XXXX called yet again to try to get this matter resolved, and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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 several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid both accounts with commenity capital bank in full in XXXX XXXX Both accounts should be zero and there should not be XXXX late payments ( XXXX ) on either account, since the accounts were paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX WY XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Office of the President XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/XXXX To whom it may concern It is a painful shame Citibank Institution unprofessionalism . 


CitiBank, failed to their Duties and obligation as issuers of account XXXX. 
Evading their responsibilities, neglecting same. 

Failing within the 90 days period to provide me with report referring to account XXXX. Account Unverifiable. 

CitiBank continued repeating same information parroting without any proof in writing Which did not provided within the 90 days. 

I deny account, account number XXXX, not mines. 

CitiBank as issuers of account are solemnly responsible for account and to provide poof The fact is that CitiBank never provide me with any proof within 90 days period on XXXX because Bank institution Never had, neglecting account, not mines Very unprofessional for a Bank institution Also CitiBank claims to have transfer account to debt collector, third party that has nothing to do with me, account not mines. 

This is hurting my reputation and constitutes Defamation to my person. 

Im requesting a deletion letter for account number XXXX. 
Within 7 business days by XXXX XXXX. 

I will be force to file a Police report to CitiBank referring to account XXXX. 


Thank you 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 explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have filed a complaint with Wells Fargo. Case number : XXXX and XXXX Account ending number : XXXX Consumer Financial Protection Bureau, case numbers : XXXX and XXXX Wells Fargo XXXX 's response was : " The check may have been cashed at XXXX XXXX, but the check was processed at XXXX XXXX on XX/XX/XXXX I have attached an image of the check processed at XXXX XXXX for your records. 
I am now asking Wells Fargo to : Verify that XXXX XXXX XXXXXXXX XXXX deposits the {$25.00} check into the XXXX XXXX XXXXXXXX XXXX  weitong account. 
What I can provide is the statement of the account of XX/XX/ XXXX XXXX XXXX XXXX weitong. It turns out that the check was not deposited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: GA

Complaint narrative:
Consideration is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable, also Title 12 sec 83 a. States that No national bank shall make any loan or discount on the security of the shares of its own capital stock. Unfortunately XXXX XXXX, did not actually give anything in consideration therefore makes any claims of me owing them any debt are ALL FALSE AND SHALL BE CORRECTED ON MY CONSUMER REPORT AS PAID IN FULL OR IN GOOD TERMS IF I DONT GET ANY TYPE OF SETTLEMENT OPTIONS BACK I WILL CONTINUE TO SUE FOR FRAUD AND NOT DOING WHATS BEST FOR BENEFICIARY IN THE FIDUCIARY RELATIONSHIP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08 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: GA

Complaint narrative:
Consideration is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable, also Title 12 sec 83 a. States that No national bank shall make any loan or discount on the security of the shares of its own capital stock. Unfortunately XXXX XXXX, did not actually give anything in consideration therefore makes any claims of me owing them any debt are ALL FALSE AND SHALL BE CORRECTED ON MY CONSUMER REPORT AS PAID IN FULL OR IN GOOD TERMS IF I DONT GET ANY TYPE OF SETTLEMENT OPTIONS BACK I WILL CONTINUE TO SUE FOR FRAUD AND NOT DOING WHATS BEST FOR BENEFICIARY IN THE FIDUCIARY RELATIONSHIP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On XX/XX/2023 I received a denial of credit during a pre-approval process with an auto lender due to Insufficient or Derogatory Credit. They noted their decision was based in whole or in part on information received from Experian. 

I then immediately went on Experians website to get a free copy of my credit report from Experian as the Fair Credit Reporting Act requires Experian provides me if I request it within 60 days of an adverse credit decision. 

I eventually found the appropriate form to request the report online. ( This was not easy to doit is hidden on Experians websites homepage, or else buried under dark patterns. I had to use a XXXX search to find the relevant form on Experians website ). 

I filled the report request out and submitted it. I then answered identity verification questions. After answering these Experians website took me to another page which said my session had expired. All this took place over a period of around five minutes. I then redid the report request. Instead of asking me to verify my identity the website then took me to a page which stated, We were unable to honor your request. If you entered your credit card information, we did not charge you. Below this was a form to print out and mail into Experian. These are attached to this complaint. 

To be sure this was not caused by a website error from using my browsers back button I restarted the process once more from the request due to adverse credit decision webpage. The third time was not the charm, and I received the same notice as on attempt number two.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: SC

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$280.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXBalance : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/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 XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: IN

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX  XXXX Balance : {$2300.00}.

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 non-monetary relief
Consumer complaint received 2023-03-09 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: IN

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX XXXX  XXXX Balance : {$2300.00}.

Company response to consumer: Closed with explanation