vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-12 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: KY

Complaint narrative:
i got a loan from XXXX XXXX XXXX for {$950.00} dollars and was told i could pay it back in full for {$1000.00} dollars but went to pay it back in full two weeks later and was told the payoff amount is now {$1300.00} dollars and i was also told if i didn't pay it off in full my every two week payments will be over {$500.00} dollars... i need help settling this... 
thank you

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 2024-10-12 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: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-12 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: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-12 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: CO

Complaint narrative:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

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 2024-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received a text message on my cell phone that a transfer had been completed by REMITLY Bank to a person named XXXX  ( who I do not know, and did not make the transfer ) ; Soon after, I tried to access my REMITLY account and received information about a DATA LEAK ; I accessed my XXXX XXXX app and noticed that the transaction was pending and they had used my XXXX XXXX debit card information for this transfer. I then called customer service and spoke to the XXXX XXXX  fraud department ( XX/XX/XXXX, XXXX XXXX  ). I was informed that I should go to a bank branch on Monday, after the transaction was completed, because since it was pending there would be nothing to do ; I then ( XX/XX/XXXX XXXX ) logged into REMITLY BANK 's customer service chat where I spoke to XXXX XXXX XXXX about what had happened, she referred me to XXXX XXXX from the fraud department who advised me that my account should be cancelled, that the transaction would not be completed and the money would be returned to my account ; As per the guidance received during the call with XXXX XXXX customer service, I scheduled an in-person appointment for FRAUD CLAIMS ( XX/XX/XXXX, XXXX XXXX  ) ; On Monday, XX/XX/XXXX, I went to the bank branch and spoke to XXXX XXXX XXXX ( Relationship Banker II ). I had already blocked my card online. She advised me to cancel it and issued a new debit card. However, the transaction was still pending and she asked me to speak to her as soon as the transaction was completed ; On Tuesday, XX/XX/XXXX, the transaction was completed, so I sent an email to XXXX XXXX XXXX, but I had already made the claim online ( Claim ID XXXX ) ; On XX/XX/XXXX at XXXX XXXX  I called REMITLY BANK again, asking about the return of my money. I spoke to XXXX XXXX, who asked me for several pieces of information. Using my debit card number she was able to find the transaction to the account of a woman named XXXX XXXX. I told her that I didn't know this person and had not carried out this transaction. She said that since the transaction used my XXXX XXXX  debit card, I should start a claim with the bank so that they could return the money and a internal investigate will be open. I asked them to send me the recording of the call. She told me that this was property of REMITLY BANK so she couldn't send it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: Absolute Resolutions Corp.
State: IL

Complaint narrative:
Violation of cease and desist 15 U.S.C 1692c ( c ) of the FDCPA. Absolute resolutions investments , LLC . Stated in the below statement that XXXX XXXX reached out to me which is a clear violation of my cease and desist that is currently in place. Please review the below statement from ARI, LLC.

Absolute Resolutions Investments , LLC ( ARI ) is in receipt of the complaint filed by XXXX XXXX XXXX ( Consumer ) on XX/XX/XXXX, wherein Consumer complains that ARI has not yet provided validation. ARI has performed an investigation and is closing this complaint with the following explanation. On or about XX/XX/XXXX, the account, currently bearing number XXXX was issued to Consumer, SSN XXXX. The account terms and other documents are in ARIs possession. The terms of the account allow XXXX XXXX XXXX XXXX and its successors and assigns to report this account to the credit bureaus. The last payment in the amount of {$440.00} was made on or about XX/XX/XXXX. Consumers account was charged off due to default on XX/XX/XXXX. At the time of the charge off, the amount owed was {$10000.00}. On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX sold Consumers account to ARI. At the time ARI purchased this account, the balance was {$10000.00}. Consumer was given notice by XXXX XXXX XXXX XXXX of the assignment of the account and the balance due. Shortly after the assignment, ARI sent a letter notifying Consumer of the assignment to ARI and its internal account number XXXX. This account was just recently acquired by ARI. Validation will be sent promptly. Additionally, the case cited by Consumer has nothing to do with purchased debt as suggested. Based on the foregoing, ARI is closing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I did not authorize any of these inquiries and do not know why they are on my report. 
XXXX ( Bank ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX FEB/DESTINY ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CO

Complaint narrative:
It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CO

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-12 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 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: CO

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my XXXX XXXX. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-10-12 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: CO

Complaint narrative:
Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my XXXX XXXX. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.

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 2024-10-12 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: TX

Complaint narrative:
On XX/XX/year> I disputed fraudulent accounts XXXX also attaching proof of address etc I disputed with XXXX & Equifax via XXXX mail with proof of identity theft In which according to section. 605 b of the fair credit reporting act those accounts disputed should have been removed within XXXX buisness days however they were not in which XXXX & Equifax decided not to properly investigate and remove those items nor did they take my identity theft into a serious matter this has caused emotional distress so now I have no choice but to XXXX XXXX. & Equifax both for {$XXXX} each for damages they have caused I will also like to add they have also violated the fair credit reporting act clause in which thats also a legal violation under the fcra law if these accounts do not be removed in XXXX  days i will file a legal suit also I may want to add if both parties XXXX & Equifax do not send out my {$XXXX} emotional damage check I will sue as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX filed a collection through the company XXXX. XXXX, XXXX ( Account # XXXX ) for the amount of {$XXXX} for a health plan for a dog named XXXX that does not belong to me since I only have XXXX dog named XXXX and my account is in good standing with no outstanding balance. In Accordance with the Fair Credit Reporting Act Account # XXXX of XXXX. XXXX, 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 an 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 2024-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I complained about the same issue in XXXX of XX/XX/year> and the company Transunion claimed it was working on the issue, but the issue persists. 

Their web site is not functional for applying or removing a credit lock which makes it a tremendously tedious and time consuming task to place or remove a credit lock as it needs a phone call with all the waiting and verification. I have been informed that due to a data leak my SSN number and other data has been leaked and I would like to be able to control my credit checks but with Transunion this is close to impossible. 10 months ago the stated they would fix this problem and it seems that more that reasonable time for this to be fixed has passed. 

Thanks

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 2024-10-12 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: AZ

Complaint narrative:
This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the XXXX credit reporting agency as well as Equifax and XXXX, block the following fraudulent information from my consumer credit report within 4 business days of receiving this complaint. 

The fraudulent accounts that I do not recognize and that were opened without my consent are as follows : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX Opened XXXX XXXXXX/XX/XXXX Additionally, the following hard inquiries have appeared on my credit report, which I do not recognize 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 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 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 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 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 None of these accounts , collections , or inquiries were opened , made, or initiated by me. They are the result of identity theft and fraud.

I have attached a list of the fraudulent inquiries in question, along with supporting documentation, pictures of my identification, including a copy of FTC Identity Theft Criminal Complaint # XXXX, as proof from the U.S. Federal Trade Commission that all of the above accounts and inquiries are indeed fraudulent. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief