vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Please see the attached letter from Ally. Their debtor IS NOT ME. I have a different address and phone number, yet they have been calling me, and numerous friends and family about this debt. I have never done any business with 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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This is regarding my XXXX XXXX XXXX XXXX XXXX credit card. XXXX has sent me a statement validating the account was never past due. XXXX is showing this account was 30 days late as of XXXX of 2021. The account was opened on XX/XX/2021 - the XXXX payment wasn't due until XX/XX/2021 - therefore it was impossible for the account to be past due in XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX a bad actor posing as me went into two different Best Buy locations in XXXX, XXXX. I was at a concert with my wife in the town that I live -- XXXXXXXX XXXX. I got an email on my phone thanking me for my purchase with a receipt attached. Receipt was from XXXX XXXX  on XX/XX/XXXX from Best Buy # XXXX in XXXX. The charge was for and XXXX XXXX for {$1500.00}. I called the Best Buy XXXX number to report this as fraudulent. I assumed that would be the end of this. 

An hour later I got a similar email from Best Buy # XXXX in XXXX, XXXX. It was time stamped XXXX XXXX  on XX/XX/XXXX. THis was for several XXXX  and a XXXX XXXX XXXX XXXX totalling {$2900.00}. 

I called again the next day to report these again. Nothing happened. I called back after a few weeks and was told that my claim was denied and that I had authorized these purchases. I DID NOT! I resubmitted a claim and was denied again. 

I have had to freeze my account not only with Best Buy, but also with the big three credit bureaus. 

Last week we took a family vacation to XXXX XXXX XXXX. Cell service is spotty at best there. When I got back to civilization, I had multiple emails, voicemails, and missed calls from Best Buy/Citibank . They have continued to call but I haven't spoken to them. 

I filed a police report in XXXX XXXX I filled out a complaint on the FTC website and now on the CFPB site. Please advise. I'm attaching the receipts in question and a picture of us at the concert on XX/XX/XXXX in XXXX. XXXX XXXX was made the following morning, but the show was the night of XX/XX/XXXX. A quick search of XXXX XXXX XXXX XXXX dates should confirm this. 

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 monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
XXXX XXXX. XXXX 
Genesis Card Service. Sold this Account to XXXX XXXX XXXX. I Mailed a Validation Letter to XXXX XXXX XXXX. I got No Response from them Then received a letter from XXXX XXXX stating that the Account was Sold to them from Genesis Card Service. I Contacted Genesis by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. Genesis stated the Account was Sold to XXXX XXXX. 
All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and XXXX XXXX in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and XXXX XXXX for the Same Account. That is illegal according to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: CL Holdings LLC
State: CO

Complaint narrative:
The following debt in collections is not mine Jefferson capital sy account # XXXX the signature on the original with XXXX XXXX does not match mine AT ALL as I was living in XXXX Colorado at the time and purchased items was in California. According to 15 U.S.C Sec. 1681 i ( a ) they must provide proof this account belongs to me or be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 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: OK

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$37000.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/N

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 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: OK

Complaint narrative:
FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$37000.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. $ XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/N

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: SC

Complaint narrative:
Republic Financial keep call me Want there money I have told them to talk to you that yall are the one to call Not me .they call all the time I have talk to and man there his name is XXXX I told them if they had? to call yall and they keep call me they want there money that I do not have having and headline pay this right know that why I ask yall to help me with my bills Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are names, addresses, and incorrect employer information that needs to be removed from my report as this information should not be on there. In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized information on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this 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 2022-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I'm filling a complaint against pay pal for taking XXXX they fraudulent open account under my name then some one from pay pal called and emailed me told me to send XXXX dollars to them to close my account then they use harsh words that this will effect my credit and and everything thing else this is scary if pay pal doing this why is they still open I'm seeking mediation for my XXXX dollars asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
XXXX finance repeatedly call my place of work when I have already notified them to not do so. It's gotten so bad that I decided to switch jobs due to the gossiping about the phone calls. The representative stated " well why can't i call here, there is nowhere saying i can not call here '' I told the representative that it is a inconvenience to speak with them at the time that I am working and my coworkers are listening when they talk to me on the workplace phone. I also told the representative that I did not list my place of work phone number to be reached at. The entire month of XXXX and XXXX of XXXX the lender continued to call me at my workplace. It got so bad that my coworkers were telling me that a " XXXX XXXX '' has been calling for you. At that point, I was really embarrassed. At the date of signing for my loan which was sometime in XX/XX/XXXX, the manager at XXXX XXXX ( XXXX, pa ) location spoke rudely about XXXX of my coworkers who he has worked with prior. In addition to that, he told my coworkers about the loan that I have with mariner finance. I went and tried to make a complaint about this incident in XX/XX/XXXX with XXXX finance but there has been no resolution,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I disputed this account with Equifax since XXXX of 2021. I still have not received any results for their violations of my Consumer Laws. I am a federally protected consumer, and I am making this complaint against Equifax, for all of their violations. I have never given Equifax or XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. Your prompt response to this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Credence Resource Management contacted me without my consent and attempted to collect an alleged debt. They did not disclose to me I had a right to dispute. When I learned my rights I sent letters in which they did not respond within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
In XXXX of 2021. I incurred a problem with CHIME bank. I was asked to upload a copy of social security, a copy of my driver 's license, and a copy showing PROOF of residency. They changed my arm pin number without my consent. They blocked me from getting into my account.. Two days ago I sent several emails telling them to close my account. Every since then, I have been logged out of my other bank account. My accounts and email have been hacked, breached, and compromise. On their website they had false advertising saying they would never ask for personal information, when in fact they have. Certain documents and photos have been taken out of my emails I have saved for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are names, addresses, and incorrect employer information that needs to be removed from my report as this information should not be on there. In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized information on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this 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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are names, addresses, and incorrect employer information that needs to be removed from my report as this information should not be on there. In accordance with the Fair Credit Reporting act my rights have been violated. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently reviewed my credit report and noticed some unauthorized information on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

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