vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 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: TX

Complaint narrative:
For a number of years I've been going back and forth with these credit reporting companies trying to get them to remove obvious fraudulent accounts from my credit reports. I was told you guys could assist me in getting the resolve I need. My information was compromised in the XXXX data breach a few years ago and it's been XXXX ever since trying to get accounts removed. Pls assist me in removing the accounts and inquiries listed on my FTC reports.

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 2023-03-28 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: TX

Complaint narrative:
For a number of years I've been going back and forth with these credit reporting companies trying to get them to remove obvious fraudulent accounts from my credit reports. I was told you guys could assist me in getting the resolve I need. My information was compromised in the XXXX data breach a few years ago and it's been XXXX ever since trying to get accounts removed. Pls assist me in removing the accounts and inquiries listed on my FTC reports.

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 2023-03-28 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: LA

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15USC 1681.

Equifax is govern by 15USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX. 
XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America, without my foreknowledge, closed all four of my credit card accounts with them, of which, my highest credit limit was XXXX, and the longest amount of time I had on a credit card with them dates back to 2005. The ostensible excuse they used was : " irregular authorized user activity on one or more of your accounts. '' i want to be clear, that none of these accounts were delinquent and all these accounts were paid off in full, so BofA isn't out a dime. While I recognized that credit card issuers can close an account, my complaint isn't really about that, but rather is about not receiving the rewards that I earned on my credit cards. Unfortunately, I can't even log onto my account, but I believe the rewards that I list are accurate. 
... XXXX XXXX points ... XXXX XXXX total cash back XXXX XXXX points

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 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood is commiting massive scale fraud and consistently providing me with false account balance statements, false information from support staff, incorrectly calculated margin positions, unexplainable fund movements, fraudulent quotes, false information in the app, changing terms of service without notice, and much more... 

I have approximately XXXX messages with staff with inline screenshots detailing some of the fraud. Robinhood has now stopped responding...

This fraud is almost certainly connected to XXXX and needs to immediately be investigated by independent law enforcement. ( NOT XXXXXXXX XXXX XXXX XXXX ) Robinhood staff finally agreed to an audit of a fraudulent margin call, before they sold stocks to cover the call and then ghosted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported by XXXX XXXX XXXX XXXX XXXX XXXX ) and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: CA

Complaint narrative:
I took out a small loan on XXXX in the amount of XXXX $ from Minto money. In the paperwork there was never an interest rate or pay off amount. When I signed up the women in the phone said I would have a pay off amount of XXXX XXXX 3-4 days later I had to call back because they took the money on the wrong day and they had most of my information wrong. They never sent me over a new contract or anything with interest rate or pay off amount the only thing I was told is my pay off amount is XXXX XXXX Calling on XXXX they told me that my pay off amount is now XXXX $ and its going to go up everyday I have the loan out despite the fact I am making payments already and now they say I have a over 600 % interest which was never discussed with me and the paperwork online doesnt have my signature on and still wrong information I have given them {$880.00} but some how they say my pay off is still XXXX $ and going to continue going up every single day and if I dont pay the total is going to end up being over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I was informed after my husband was XXXX that there was a credit card opened in my name as primary account holder through NFCU. I have Never applied, had access to or knowledge about this, nor permission. When I inquired about a contract or proof of identification, I was informed through NFCU & this XXXX XXXX that all they knew was that it had been opened Over the Phone from a Females Voice. I asked for this recording, they cant provide. I have filed with Identitytheft.gov, my XXXX XXXX account was also compromised and they were a fast responding company that figured out the fraud and refunded me promptly. Ive filed with the XXXX, and all three Credit reporting agencies. I have a vehicle loan through NFCU, informed me I had to open my own checking/savings account to transfer money into and make the monthly vehicle loan payment. I logged on to do the money transfer into vehicle loan and there were no funds in my account. Upon calling NFCU/XXXX XXXX I was informed this fraudulent card could withdrawal money from my personal checking if there was a payment due on this fraudulent card and that I should know this because it was in my contract. I informed them yet again I NEVER signed a contract, Ive never been provided one, because they dont have one. So now approximately XXXX was stolen from my personal account into this fraudulent/Identity theft credit card without my consent or knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You are reporting a charged off account that was already sold to another company which is also reporting on my credit report- this is double jeopardy, and I am demanding that you delete this account immediately XXXX XXXX XXXX XXXXXXXX . XXXX XXXX XXXX purchased this account, and it is already reporting as a collection account. This is negligence and a violation of the FCRA. You are not reflecting my true credit worthiness and if this is not deleted immediately, I will take legal action.

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 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp.
State: LA

Complaint narrative:
XX/XX/2022 an account with open at XXXX and I discovered on my credit report I dispute it the account several times and they still keep saying its my account I contacted XXXX ask them to send me verification, verifying that this account belongs to me and they have not done that and when I call them my social security number was not even associated with an account XXXX XXXX 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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
In XXXX of 2022 I got a check from a gentleman and before I deposited it I noticed it didnt have a spot to sign and I thought that was weird. I called Wells Fargo and asked them what I should do. On the phone they said that I should deposit it and worst case it bounces. I said I didnt want to hurt my account and asked if they were sure 2 times and they said yes. I even went as far as trying to send a picture to a banker or asked if I should into a store but they assured me that wasnt needed. I ended the call and deposited the check. Within 30 minutes Wells Fargo called me back and said they were closing my checking and savings accounts. I told them that they gave me the instructions to deposit it and it wasnt right of them to close it. I explained my story and they said they would file a claim. The person on the phone took my side of the story and put me on a brief hold. They very quickly came back to the call and said my claim was denied. Not even 3 months later all my credit card accounts are closed suddenly with no warning and when I try to reach out and find out why they say the person handling my case is unavailable and I can leave a message. I was with Wells Fargo for 20+ years and was thrown down the gutter within months

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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My checking account was breached and someone is trying to open up a credit card at Bank of America with my name and social security card. They also submitted a request for new ATM and Debit card on my sons account with my name on it. 
I got an alert that an inquiry was made by Bank of America but because I had recently put a freeze on my credit it was blocked by XXXX. We notified fraud department today.

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 2023-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I, XXXX, XXXX XXXX, the consumer, did not provide these companies listed consent/written permission to report these accounts or Share my personal information with another entity, TransUnion, is a violation of 15 U.S. Code 1681s-2. 
see attached. 15 U.S. Code 1681b ( a ) ( 2 )

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 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I XXXX do not owe this collection company any money. I dont have a contract signed. So that means I dont owe. I will be seeing in federal court under fcra law. Delete from my credit report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Alabama Housing Finance Authority
State: MO

Complaint narrative:
Per the CARES act : If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/2020 and 120 days after XX/XX/2020 or 120 days after the COVID-19 national emergency ends. My account ( XXXX ) was current XX/XX/2020 and went delinquent XXXX while I was in the modification process. I was contacted by the business in XXXX of XXXX  and told that i qualified for a modification and was told to go delinquent to continue with the modification. i was never made aware of the covid forbearance i qualified for or any of the covid assistance programs i could have used. i have attempted to speak with the business regarding this multiple times and my manager voicemails are never returned. To my understanding compliance with the CARES act would required ServiSolutions to remove the late payments from my credit report for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: VA

Complaint narrative:
Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I was shock to see it was a collection account from Portfolio Recovery. I discovered this debt by viewing my credit report. This company never sent any correspondence to me for this debt, no validation letter, nothing at all. I have asked for a copy of the singed contract in question with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the signed documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation
State: MO

Complaint narrative:
I did not agree to the terms they have now added I was suppose to pay {$170.00} for 15 payments and I have been paying this bill since XXXX or XXXX  it was right when COVID-19 1st hit I have asked they to STOP reporting inaccurate info on my credit report but they have not and now they are taking me to court I do not owe them anything and I want my report fixed they had a alleged documents that looks like a copy and paste of my signature. I owe them nothing and wish for the collections to cease and my credit report updated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a charged off account with Capital One dated back in 2018, after several attempts both Capital One and I had agreed to settle the account for less than what was charged off. Capital One had a law firm by the name of XXXX XXXX XXXX representing them. It was agreed upon payment that once I paid the balance that they would remove the negative account from my report. I have tried several times to communicate with Capital One and let them know this negative account was still reporting on my credit report after I had paid the agreed balance. Now Capital One is telling me that they do not do pay for deletes, but it was agreed upon with their lawyers and sent that agreement to me as well. Capital One was willing to work with me and help me remove this negative item, now years later they are saying that they will not do such or that they can't " find '' that agreement that would remove this negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
AFFIRM reported 3 of my accounts 30 days past due. I have had all those accounts over 7 months and no where on my XXXX report does it show any of other payments, on time or late, only a past due amount, which is not correct. When I requested a verification letter be mailed to me of my loan and to be sent via mail I was denied, as I wanted to see the documents I signed and aggreed to credit reporting. I also inquired as to why no other payments had been reported for over 7 months. I have been using affirm since 2020 and have not had any accounts reported until now. I am requesting the fraudulent information be removed immediately and {$1000.00} compensation for the suffering that I have endured due to the falsified reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: GA

Complaint narrative:
I have asked the Credit Bureau and the company to do a credit search and I did a complete search as well for the inconsistencies. 

Account Name : XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # 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 602 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation