vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/1992 XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Experian, Dispute XXXX I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding for the following items : Party owed : XXXX XXXX Amount : XXXX past due Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX owed Account Number : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I am disputing this claim due to : I have no knowledge of these accounts. It is fraudulent and I am requesting that it be removed immediately. This is my official request to have the aforementioned items to be deleted off my credit report. My social 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 2024-05-10 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I used remitly on XXXX XXXX, XXXX, XXXX XXXX  XXXX to transfer the funds of XXXX dollars to a bank account in XXXX belonging to my grandfather. The amount has not been delivered to him as of today  XX/XX/2024. 
Remitly had promised to deposit the money on XX/XX/XXXX. The transfer was put on hold on XX/XX/XXXX due to some issues. I called them again and verified the details to resubmit the transaction. They processed and informed me that the amount was delivered on XX/XX/XXXX. However, the amount has not been delivered so I have been calling customer care every alternate day for the last week and they are continuing the investigation. In the most recent call, the customer care agent confirmed the amount is stuck and he will try to cancel once they can recover the amount from their partner bank. Remitly has a policy of refunding the money within XXXX business days if the transfer is not completed. However, they are refusing to honor it stating we are still investigating at should get an update in the next XXXX hours

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My debit card was lost I realized when I was going to pay for food i then noticed by login in my mobile app on XXXX the sameday that my card was use at a XXXX location for the amount of XXXX and also at a XXXX  gas station for XXXX. I then blocked my card inside of the app and called my branch. Together a rep and I finished up a claim for my lost card and unauthorized charges, within 4 days I called to check status and was told the dispute was closed due to the chip card not being able to be duplicated with that being said the representative that previously helped me had put down that I said I still had my card at the time. Which was completely wrong I was calling to report unauthorized charges due to my card being lost and compromised. I had a manager listen to the call to make sure I told them my card was lost which he did and confirmed that I was right about what i stated he left notations on my account about that. I then had the new rep to reopen my claim which they did but now they claim has been back closed for the exact same reason. I just had a new rep to reopen again as of today XXXX! I also sent in police reports

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
Received letter from PayPal this morning with a charge for {$640.00}, I don't have PayPal account, called number to cancel. they told me there was a XXXX XXXX bank account under my name and it was being used for money laundering. they then patched me through to theFTC. when I asked to call them back to get a phone number they hung up. Now I'm terrified that they have all my account information through a assist client app. 
XXXX XXXX XXXXXXXX Attachments XXXX ( 2 hours ago ) to me We have successfully updated your file with ID XXXX. Please find the detailed PDF attached for your review. 

The items will be delivered to the scheduled address, XXXX XXXX XXXX, XXXX, MN XXXX. 

Consider this email as your formal record for this update. 

Should you have any inquiries or need to make any changes, please reach out to our customer service. 

One attachment Scanned by XXXX This is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
I am writing regarding an installment payday loan account from XXXX XXXX XXXX XXXX that was sold to your company, I emailed the original creditor and attempted to speak with a manager at Real Time Resolutions. I took the loan out in XXXX of XXXX to help with additional funding for a vehicle, I paid some payments when I had financial stability, I lost several jobs over the years along with multiple deaths of people I know, being disowned/cutoff by people I know due to personal reasons and continuous financial problems as I was a burden on them. I am currently homeless without a vehicle, income of any sort, no financial assistance from anyone, I have stated MULTIPLE TIMES THAT I AM NOT IN A FINANCIAL POSITION TO PAY ANYTHING AND THAT I DO NOT EVEN HAVE {$1.00} IN MY ACCOUNT. I WANT THIS DEBT FORGIVEN ALONG WITH ANY MONEY THAT HAS BEEN PAID TOWARDS THE ACCOUNT ALONG WITH {$170000.00} IN LOST WAGES BY CERTIFIED CHECK OR DIRECT DEPOSIT BY XX/XX/XXXX, EST OR I WILL SUE FOR {$300000.00} WHICH INCLUDES LEGAL FEES!!! THIS ACCOUNT IS PAST THE STATE LIMITATIONS WHICH IS SIX YEARS AND NO LONGER COLLECTIBLE BY LAW IN WHICH THEY SEEM NOT TO CARE ABOUT AT ALL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I do not. Recognize these credit inquiries and i ask to the credit report. Several complaints to be removed and the bureaus did not what i ask im providing a identity theft attach to this and im requesting them to be removed because they are inaccurate and not mine

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 2024-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have noticed i have has alot of inquiry on my credit reports for experian, XXXX, XXXX, that i have not authorize any of these companies to obtain a copy of my report. here are the companies and dates they pulled my credit. this is on my Exerian credit report .... XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Here is what i noticed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here is XXXX XXXX XXXX XXXX XXXX XXXX. i did not authorize these companies to run my credit at all and definitely not multiple times.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: TN

Complaint narrative:
I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.

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 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my 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 2024-05-10 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: NJ

Complaint narrative:
I have revoked consent to share my nonpublic financial information with these companies, however they are still sharing it, thus violating my rights. This concludes to identity theft and violates 18 U.S. Code 1028A. I demand that these accounts are promptly deleted and pursuant to 17 CFR 248.7 I am opting out of the reporting of the following accounts on my consumer reports ; XXXX [ Account # XXXX ] and XXXX XXXX [ 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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have revoked consent to share my nonpublic financial information with these companies, however they are still sharing it, thus violating my rights. This concludes to identity theft and violates 18 U.S. Code 1028A. I demand that these accounts are promptly deleted and pursuant to 17 CFR 248.7 I am opting out of the reporting of the following accounts on my consumer reports ; XXXX [ Account # XXXX ] and XXXX XXXX  [ Account # XXXX ].

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-10 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: WI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Jim Bottin Enterprises, Inc
State: FL

Complaint narrative:
hello, on XX/XX/XXXX I went to XXXX XXXX, part of ABC FITNESS at : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX Fl. XXXX. STORE # XXXX, gym phone # XXXX, XXXX phone # XXXX, to sign up for a gym membership, as I am new to working out, at that time I also purchased XXXX personal training sessions to learn the ins and outs of the machines. I was quoted a price of $ XXXX for the XXXX sessions, which I agreed to. 
The receipt for the purchase clearly states that only XXXX sessions were purchased which had to be used by XX/XX/XXXX. 

payment was made thru XXXX XXXX card ending in XXXX, the agent 's name was XXXX XXXX. 

during the signing process, he had me initial my name on a small machine where only the area where I had to initial was visible. when I asked what I am signing, he said it was the gym policies and rules. He did not provide any physical papers. 

he handed me the receipt for the transaction, and I proceeded to exercise. 

on XX/XX/XXXX, my card was charged another {$200.00} XXXX because XXXX XXXX had noted that I wanted the training to be a month-to-month contract. this is false, I am a XXXX woman on a very limited income ; had I been presented with a physical document where I would have been able to read thru it, I might have caught this agent deceit. 

On XX/XX/XXXX when the second draft of {$200.00} XXXX  was placed on my account ; I immediately spoke with the XXXX the gym 's manager. she wrote an email to corporate and several more since. each time I enquire on the status, she says there has been no response. Please also note that on XX/XX/XXXX I asked XXXX that I wanted to speak to XXXX XXXX, she answered. " he had to be let go '' I feel I was deceived by this agent, perhaps he did so because I am elderly, and he thought he could take advantage of this fact. which in my view is deplorable. 

ABC FITNESS ( XXXXXXXX XXXX  ) must take responsibility for this agent and refund my {$200.00} dollar. 

attentively,

Company response to consumer: Closed with explanation