vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-18 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: SC

Complaint narrative:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I received from them a notice, via the CFPB website, that they were not able to respond because I was not listed on the accounts but they keep reporting these accounts on my credit report and haven't sent any mail-response as I requested for the Reporting Agencies to do. I have proof of the previous letters I sent via mail that have been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: MO

Complaint narrative:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I need to have the Fraud Alert removed from my credit report. I have tried getting this resolved many times and nothing has changed. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: PA

Complaint narrative:
I have submitted a number of letter disputes and i they have not fully complete my re-investigation i have unauthorize and fraudulent inquiries on my report still i would like to have these deleted and company has not respond to my reinvestigation i have submitted over 30 days ago. my name is XXXX XXXX i am sending this complaint on my behalf please do not allow company to use stall tactic like they have before

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 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN

Complaint narrative:
Hello. Back between XXXX I had a mastercard, ending in XXXX with HSBC. This was paid off over 8 years ago. We have filed disputes with all the bureaus back in XXXX because HSBC kept sending it to collections agencies and we had to have it removed from our credit long after it was paid off. The last time we sent our information in was back in XXXX and again in XXXX. The files were removed from our credit and listed as paid off. I received a call on XX/XX/XXXX from XXXX XXXX XXXX XXXX company ph XXXX, saying they were about to garnish my wages, put a summons on my door step, contact my employer, will take strick action, file suit in court and file the collections unless I pay $ XXXX balance to them immediately. I explained it was paid for, explained the years that it was paid off, that it was removed from my credit back over 8 years ago and they said they would be putting it on my credit report unless I paid them that day. We've gotten NO notice this was even trying to be collected. Looked them up and they have a current " XXXX  '' rating with XXXX  and have MANY other consumers have been affected exactly the same way over the last 3 weeks, specifically with HSBC trying to collect on paid for debt, and old debt, the complaints are public on XXXX. XXXX XXXX XXXX XXXX filed an illegal collections account on my XXXX  credit report on XX/XX/XXXX and listed a falsified charge off date of XXXX. Tennessee statute of limitations states it must be collected within 6 years of the last payment. This account was paid off over 8 years ago, removed from my credit once for being paid off and now is back on my credit report through XXXX  on a collection, way beyond the SOL and falsely listed because it's paid off AND has a false date. Please help me correct this. Please look back at my XXXX, XXXX  and XXXX  reports and you will see that it was removed over 8 years ago and this is a false collection under the SOL. I am trying to find my original paid off letter, but we lived in XXXX XXXX from XXXX and were victims of the XXXX XXXX Floods, so I'm having difficulty finding it. Please punish them for all this horrible illegal activity they are committing, both HSBC and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX has a mortgage on our home. They falsely reported late payment dates to the three credit bureaus : XXXX, Experian, and XXXX. This is causing physical and emotional harm to US XXXX and XXXX XXXX becuase I had to give up my job to become a permanent, full time XXXX  for my husband who developed a XXXX XXXX due to the XXXX XXXX. We can not afford the home we will live in now and need to sell our home and find one that is smaller, more affordable, and retrofitted for a person with a XXXX. We can not sell our own home until we have mortgage pre- approval to purchase another home. XXXX. XXXX MUST CONTACT THE CREDIT REPORTING BUREAUS IMMEDIATELY AND CORRECT THE FALSE INFORMATION. Unless XXXX, XXXX makes the corrections to our credit reports we will not be able to get another mortgage loan and the physical and emotional hardhip will continue. We were in a loan modification program in XXXX through XXXX and a forbearance in XXXX which continues. XXXX, XXXX falsely reported late payments for the XX/XX/XXXX mortgage payment ( XX/XX/XXXX fell on a Sunday ). They had the payment in their possession but did not account for it until Monday XX/XX/XXXX they accounted for it as a late payment even though the bank certified check was check dated prior to XX/XX/XXXX. It was it not a late payment. XXXX. XXXX continued to report late payments for XXXX, and XXXX to the three credit reporting agencies during our modification program and forbearance. I called XXXX XXXX on XX/XX/XXXX regarding this false reporting. The agent told me that EVEN IF WE WERE IN A MODIFICATION PROGRAM THE PAYMENTS SHOULD NEVER HAVE BEEN REPORTED TO THE CREDIT BUREAUS AS " LATE ''. THE AGENT ALSO TOLD ME TO CONTACT XXXX, XXXX IMMEDIATELY TO DEMAND CORRECTION OF THE CREDIT BUREAU REPORTS. I wrote to XXXX, XXXX and demanded the corrections.

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 2021-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Quality Asset Recovery LLC
State: FL

Complaint narrative:
This medical company violated my rights under the HIPPA LAW sold and shared my medical history information with various parties. They also shared my medical information with various credit bureaus and they know my medical history. The hospital was not so suppose to bill me because the visit was under a charity program. This charity program pays the hospital visits in full. Moreover, my medical history is being sold and passed around to different creditors.

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 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Someone has access to all my credit cards and my banking inform. Able to withdraw money from my account. Also able to shop online access funds to get gas food etc.

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 2021-08-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This retail charge account card with Kohl's/Capital One Bank N.A. , is lost.

It was reported lost. I called customer service advising them if the loss. Requested they do what they ought, having each bureau indicate so.

Why? To prevent unauthorized activity.

We can't.

**How much can a good one of those, get outta thatXXXX  No really we can't.

. UnhUnh.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
They company contacted me while i was at my place of employment without prior given consent about an alleged debt of my recently passed over father. The company agent XXXX ( employment id # XXXX XXXX stated that they are a third party debt collector and this was an attempt to collect a debt. I know firsthand that i never gave this company my information or approved any institution to distribute my information to this company. This is a violation of many laws protecting my rights as a consumer as well as my right to privacy. Below is a list of the direct violations under federal law according to Title 15 U.S.C.1692 15 U.S.C. 1692b ( 5 ) 15 U.S.C. 1692c ( a ) 15 U.S.C. 1692c ( 1 ) & ( 3 ) 15 U.S.C. 1692d ( 5 ) 15 U.S.C.1692e ( 10 ) This company is aware of the civil liability they have under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and XXXX wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for XXXX to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.

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 2021-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and XXXX wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for XXXX to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have had issues with my mortgage company consistently reporting incorrect information regarding my account. Ive tried to address it with them to no avail and have also tried to address it with the bureaus with documentation and XXXX wont correct the issue. They have been reporting the incorrect loan balance for months and I simply want them to correct this one thing. All Im asking is for XXXX to report to all 3 bureaus my present loan balance as of the date that they receive this complaint. 

They were supposed to reset my loan effective XX/XX/2021 and it never happened. That mistake cost me over {$3000.00}. The repeated incorrect reporting of my balance, even after Ive asked them to address it is ridiculous and extremely unfair because its such a simple request.

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 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I have tried at least 3 times to cancel payments made by cashapp to XXXX & XXXX itunes. Ive contacted both merchants to cancel, & Ive contacted cashapp who just tells me to contact the merchants. but cashapp continues to make these payments without my approval & against my expressed wishes, taking money from my acct without authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Starting XXXX XXXX XXXX Robinhood ( invesrnent/stock app ) took it upon themselves to lock my Robinhood account stating they needed to confirm my identity. I supplied all necessary documents and as of today no money. Countless emails corresponding with Robinhood, trying to get access to my money. My direct deposit from my employer went through Robinhood. XXXXXXXX XXXX received email from Robinhood stating a final decision was made and my account would be closed and my money will be deposited. Today XX/XX/, I've received that exact email 5 times. Every transfer I attempt is rejected. I've had to sell off my property to stay afloat. My family is suffering and I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went into CHASE bank at XXXX XXXX XXXX XXXX NY on XX/XX/2021 to open a BUSINESS account. I was approved on the spot and I GAVE THEM {$2500.00} CASH to fund the account. I received a letter dated XX/XX/XXXX saying that CHASE has decided to close the account no further explanation, Thats all fine - I just need my money {$2500.00}. I was told in letter to call the number inthe letter which is XXXX I called twice I was informed the 1st time I would have to go into a bank branch which I did then the branch tells me no one can help me I would need to make an appointment I then called the different branches for a week unable to make any appointments. Then I call the XXXX number back and told them they would have to arrange an appointment at which time they did then casually tell me that I would have to bring in all this information that they didnt need to open the account then proceeded to tell me that it would still take 3-4 WEEKS to HOPEFULLY receive my funds by mail. 3 problems : firstly, I gave them cash so this should not be an issue- 2nd its not fair that they are making money with my money and I can NOT, 3rd I was APPROVED for a BUSINESS account with XXXX no problem but now they are threatening to CLOSE my business account because I have not made the initial deposit which has to be made within the week! Please help me there should be no way these people can legally hold my money like this - I should be able to move on as they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 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: CA

Complaint narrative:
I recently filed a rport with XXXX XXXX and Equifax of inaccurate items being reported on my credit reports. NONE OF THESE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. i never receive notification of these debts on my credit reports. This is defamation of character and misrepresentation of my credit worthiness. i recently applied for a loan and was denied to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipt, otherwise i will be forced to file a litigation explicitly stating your company 's negligence to abide by the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
Kay Jewelers is reporting a charge off account and payment history past the closed and paid in full date. 

Kay Jeweler- Closed XX/XX/XXXX the balance is {$.00} however they are reporting that the account charged off in XXXX I attempted to contact the creditor but was told the information is correct. The account was closed with a XXXX balance in XXXX and could not have charged off in XXXX because there was XXXX balance. Please assist me with reporting the account accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID As well as my XXXX bank statement and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you

Company response to consumer: Closed with explanation