vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.

Complaint narrative:
XXXX. I transferred {$XXXXXXXX XXXX XXXX XXXX XXXXXXXX  ) to a Recipient 's bank account in XXXX, on XX/XX/year>, at XXXX XXXX. 
XXXX. The estimated time was given as XX/XX/year>, by XXXX XXXX XXXX. 
XXXX. The money was not received by the recipient in the given timeframe. 
XXXX. So, I contacted the customer service of the company, XXXX. 
XXXX. Customer Service XXXX, on calling 4 times, gave different answers and there was no consistency in the provided solutions. 
XXXX. XXXX agent, named XXXX, informed me that the transfer might complete in XXXX hours. 
XXXX. Another agent, named XXXX, declined to commit to that timeframe given by XXXX, and said that it might take XXXX business days. 
XXXX. I opted for XXXX XXXX, for which I have to pay higher conversion fees, in exchange for a faster remittance service. 
XXXX. But after XXXX 's comment about XXXX business days, I believe that the company has cheated me by giving false advertisements about XXXX XXXX, and taking advantage of the money transfers. 
XXXX. They also have another format of the service, which they call XXXX ' service, which takes about XXXX business days to transfer the remittance. And which has a lesser fee in exchange for a slower service. 
XXXX. So, I believe that XXXX has cheated me by providing another service format which charged higher fees, and provided not only a slower service, but also has not completed my transaction. 
XXXX. I also submitted a complaint via XXXX 's website. 
XXXX. Reference number of the transaction is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A new collections account with XXXX XXXX XXXX XXXX was added to your XXXX credit report. * XXXX XXXX XXXX XXXX and I are currently going through a legal dispute which no judgment has been made. My lawyers and I have requested for XXXX XXXX XXXX XXXX to prove that I made business with them. I have requested contract with my signature and XXXX XXXX XXXX XXXX has yet to send me any written agreement that I've done with them. I am not aware nor have I done business with this company. 

XXXX XXXX XXXX XXXX is a " debut buying collection '' company whom I did not authorize use of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A new collections account with XXXX XXXX XXXX XXXX was added to your Equifax credit report. * XXXX XXXX XXXX XXXX and I are currently going through a legal dispute which no judgment has been made. My lawyers and I have requested for XXXX XXXX XXXX XXXX to prove that I made business with them. I have requested contract with my signature and XXXX XXXX XXXX XXXX has yet to send me any written agreement that I've done with them. I am not aware nor have I done business with this company. 

XXXX XXXX XXXX XXXX is a " debut buying collection '' company whom I did not authorize use of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A new collections account with XXXX XXXX XXXX XXXX was added to your XXXX credit report. * XXXX XXXX XXXX XXXX and I are currently going through a legal dispute which no judgment has been made. My lawyers and I have requested for XXXX XXXX XXXX XXXX to prove that I made business with them. I have requested contract with my signature and XXXX XXXX XXXX XXXX has yet to send me any written agreement that I've done with them. I am not aware nor have I done business with this company. 

XXXX XXXX XXXX XXXX is a " debut buying collection '' company whom I did not authorize use of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have made XXXX calls requesting the decision letter concerning dispute : Case ID : XXXX Dispute Amount : {$630.00} Date Submitted : XXXX I have attempted to retrieve electronically and have also requested via mail. This communication is a 3rd request for this letter. Preferably I would like it emailed to me at XXXX and XXXX. 

Please follow up with me promptly as I understand this letter that I have been requesting since XXXX will not be available after XXXX  years. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: NRA Group, LLC
State: MS

Complaint narrative:
I request the CFPB 's assistance in ensuring that NATIONAL RECOVERY OPERATIONS : 1. Ceases any unauthorized access to my credit report in the future. 
2. Pays statutory damages of {$XXXX} for violating my rights under the Fair Credit Reporting Act ( FCRA ). 
3. Takes steps to prevent future unauthorized credit inquiries from occurring.

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I notice on my credit report that the comments remarks, I called Equifax more than six time and ask for the dispute wording/ comment remarks to be removed. I am not disputing this account, Just want the remarks to be removed. And every Agent that I spoke to tells me that it will take 72 hours and the remarks under XXXX XXXX XXXX Account # XXXX would be removed off of the account. I have been asking since XX/XX/year> to be removed and they have deliberately and intentionally cause me great pain. The loan officer had paper ready for me to sign, because of Equifax giving me the run around about the dispute wording/ comments will be removed in 72hours. And nothing was done It's been XXXX  weeks. Now the home has been sold. Equifax also send me a report saying it would be removed. But the comments remarks are still there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXXXX/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 2024-09-15 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: TX

Complaint narrative:
15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

TransUnion has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to XXXX XXXX individuals Five years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 



XXXX, one of the XXXX XXXX XXXX XXXX XXXX, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX The incident was particularly concerning due to the nature of XXXX 's business, which involves handling sensitive personal credit information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the XXXX XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the XXXX XXXX XXXX XXXX. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Update addresses Remove all addresses except for my home address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-09-15 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: PA

Complaint narrative:
15 U.S. Code {$1600.00} XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
can nop longer mk pymt car is not in my procession can be found 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 explanation
Consumer complaint received 2024-09-15 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: TX

Complaint narrative:
15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 



XXXX has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to XXXX XXXX individuals XXXX years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the Equifax credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 



XXXX, XXXX of the XXXX XXXX XXXX XXXX XXXX, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX The incident was particularly concerning due to the nature of XXXX 's business, which involves handling sensitive personal credit information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: TX

Complaint narrative:
15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 



XXXX has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to XXXX XXXX individuals XXXX years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 



Experian, one of the XXXX XXXX XXXX XXXX XXXX experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX. The incident was particularly concerning due to the nature of Experian 's business, which involves handling sensitive personal credit information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After carefully reviewing my consumer report, I have noticed that XXXX has been reporting an account to my consumer reports. I did not give any express permission or permissible purpose to report anything on my consumer reports. As a consumer, I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, and 15 USC 6801. My private information should remain my private business, and student loans are considered my private information. Your company reported my private information without my consent which constitutes aggravated identity theft due to the fact that I did not give you permissible purpose to report any information on my consumer reports. As a consumer, you XXXX have an obligation to protect my personal non public information. Section A of this law 15 U.S. Code 6802 is saying that your company, XXXX, is not obligated to report or disclose any nonpublic personal information to a third party company such as a consumer reporting agency. A third party consumer reporting agency has no affiliation with your company XXXX ; therefore, you are not required to disclose any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Nonpublic information consists of my name, my address, my account, or account number. This is not public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal request to Equifax for an investigation regarding an account listed as XXXX on my credit report, which I did not recognize. Following this request, Equifax deleted the account from my credit report. 

However, without providing me any prior notification, Equifax reinserted the account back onto my credit report. I became aware of this re-insertion only when I received a copy of my credit report from Equifax on XX/XX/year>. 

This action is a clear violation of Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), which requires Equifax to notify me in writing within five business days of re-inserting an item after it has been deleted. To date, I have not received any such notification. Additionally, I believe Equifax failed to conduct a proper investigation of the account, as they did not provide any evidence or further explanation as to why the account was reinstated. 

I request that the CFPB investigate this matter and hold Equifax accountable for violating my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
I am writing to express my concerns regarding a recent experience with your service. On XX/XX/year>, I contacted your team to set up an automatic payment. Unfortunately, the representative scheduled the payment for the incorrect date. The payment was supposed to be set for XX/XX/year>, but this was not properly recorded. 

When I noticed the issue, I called again on XX/XX/year>, to address the error. During this interaction, I encountered a representative who was extremely rude and unprofessional. I was informed that I could not make a payment online and would instead need to send payment for multiple months either by mail or over the phone. However, the representative refused to allow me to ask questions or fully explain the situation, which left me frustrated and with unresolved concerns. 

Additionally, due to this error, I have been reported 30 days late to the credit bureaus. As this was the result of an administrative mistake, I am formally requesting that the 30-day late payment be removed from my credit report with all three major credit bureaus ( XXXX, XXXX, and 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 2024-09-15 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello CFPB Team, I am contacting you regarding a dispute with Citibank concerning a purchase made through XXXX on XX/XX/year>. After visiting the XXXX XXXX in XXXX XXXX XXXX, XXXX XXXX, CA, where the item I wanted was unavailable in my size, the sales associate assisted me in ordering it online. When the white leather sneakers arrived at my home on XX/XX/year>, I immediately noticed a scratch on the top part of the sneaker. Considering the high cost of these sneakers, receiving them in such a condition was unacceptable. 

I promptly reached out to my in-store sales associate via text on XX/XX/year> the same day I had received the item, who advised me to return or exchange the sneakers through XXXX. I followed the instructions and shipped the item back on the same day, explicitly noting the damage in the return request. However, XXXX returned the sneakers to me, claiming they were received in the damaged condition I had initially reported. 

Following this, I contacted XXXX customer service and was directed to their " Client services '' for a resolution. Despite providing photos of the damage, screenshots of the communication with my sales associate, and following up through multiple emails and phone calls, I received no response. 

After several weeks, I reached out again to XXXX client services asking for an update, I was informed by a customer service agent that XXXX management decided they could not accept the damaged goods as they could not be resold. They suggested I contact Citibank to dispute the transaction instead. 

On XX/XX/year>, I filed the dispute with Citibank via their mobile app, providing a detailed account of the issue and offering to supply further evidence upon request. On XX/XX/year>, Citibank concluded their investigation, holding me financially responsible without apparent consideration of the additional evidence I offered. 

Despite repeated attempts to obtain further details from Citibank, I have not received any additional information or the promised detailed letter, which was supposed to be available in the " Notices and Letters '' section within 24 hours. It is now XX/XX/year>, and I still have no update. 

In summary, XXXX delivered damaged goods and refused to resolve the issue, and Citibank has denied my dispute without thorough investigation. I am deeply disappointed and feel that I have been let down by both the retailer and my financial institution. 

Thank you for your attention to this matter. I am eager to hear your advice on how to proceed. 

Best Regards, 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