vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent Transunion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2008 Balance : {$0.00}. Please delete.

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Subject : Formal Complaint Against Portfolio Recovery LLC Regarding Collection Attempts for {$5100.00} Debt To Whom It May Concern, I am writing to formally lodge a complaint against Portfolio Recovery LLC regarding their persistent and aggressive attempts to collect a debt totaling {$5100.00} from me. Despite numerous attempts to resolve this matter, I have encountered numerous obstacles and unfair practices on the part of Portfolio Recovery LLC. 

Firstly, I would like to express my disappointment with the lack of transparency and clarity regarding the origin and nature of this debt. Despite my requests for validation of the debt and detailed information regarding its origins, Portfolio Recovery LLC has failed to provide adequate documentation or explanation. 

Furthermore, I am deeply concerned about the tactics employed by Portfolio Recovery LLC in their attempts to collect this debt. I have been subjected to incessant phone calls, letters, and emails, often at inconvenient times and in a harassing manner. These aggressive collection efforts have caused undue stress and anxiety, impacting my well-being and daily life. 

Additionally, I must address the inaccuracies and discrepancies in the information provided by Portfolio Recovery LLC. There have been instances where the amount claimed has fluctuated without explanation, and I have not been provided with a clear breakdown of the charges and fees included in the total amount owed. 

In light of these concerns, I hereby request that Portfolio Recovery LLC cease all collection attempts immediately and provide me with the necessary documentation and information to validate the legitimacy of this debt. Furthermore, I expect a thorough investigation into the practices employed by Portfolio Recovery LLC in handling this matter. 

Failure to address these issues in a timely and satisfactory manner will leave me with no choice but to pursue further legal action to protect my rights and seek resolution. 

I trust that you will take this matter seriously and take prompt action to rectify the situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: ND

Complaint narrative:
Hello, my Robinhood brokerage account was restricted. Robinhood will not confirm if they are taking steps to return my money to my bank account. I sent them all the needed information and they have told me no further information is needed. When I try to call they put me on a wait list which never goes through and they do not call. Every time I try to email them they send me a letter saying it can take up to 15 days to resolve the issue. Also they have a board in my robinhood app that says I'll be contacted tomorrow which the date continues to add one day without any word from them. I would like to get my hard earned money back from them but they seem to not want to inform me when that will take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CREDIT MANAGEM # XXXX I'm unaware of this debt and did not receive proper notification. If you believe proper notification was provided, please provide the Certified Mail with Receipt with my signature. Otherwise please DELETE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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 non-monetary relief
Consumer complaint received 2024-02-26 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: NJ

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV FUNDING LLC # XXXX I'm unaware of this debt and did not receive proper notification. If you believe proper notification was provided, please provide the Certified Mail with Receipt with my signature. Otherwise please DELETE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
okay the company closed my checking account bc they foud a fake check deposit to the account but they dont care nothing i not called them bc i was thing was a spamm messege but when i got the suprice on the mail they told i deposit a fake check into my account about {$1000.00}, them i was so nevers bc i was XXXX when my dads open my acount i cound get the check bc i not XXXX i not pay taxes for the check i was younger i dont was working at moment so they closed my account them when i want to open to new bank account i cant bc i on XXXX XXXX XXXX and i XXXX  what I want is to delete that thing on my Name actually somene was stelling my dads car and theirs was my NSS and my Certificate i think thats how they got my personal information or something them a move to other country and i cant to conctac to the IRS to see what i can do for recovery my personal information pleases help me i want my name free of that staff

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 2024-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. Despite repeated attempts to dispute and remove these items, they persist, causing significant damage to my creditworthiness and financial standing. 

I have submitted multiple disputes and provided extensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to thoroughly investigate these fraudulent items and remove them from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : 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

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 2024-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
I have received a response that clearly violates my rights according to HIPPA. 
Keynote Consulting did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 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: GA

Complaint narrative:
I acknowledge the effort made to delete some fraudulent entries from my file, yet there remain unresolved items derived from alleged fraudulent activities that urgently need attention. This marks my third formal complaint asserting my victim status regarding fraudulent activities, and I am disputing specific entries within my file stemming from this crime. The disputed items have no connection to any transactions involving goods, services, or funds made or authorized by me. I request the removal of these entries from my credit report, as they are inaccurately attributed to fraudulent activity : 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 -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These items are unfamiliar to me, and their deletion by other bureaus raises questions about their accuracy. The reported history of these items remains unclear to me. As per the Fair Credit Reporting Act ( FCRA ) 605B ( c ) ( 1 ) ( C ), there is authority to decline or rescind such entries.

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 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im filing a complaint against XXXX XXXX XXXX XXXX has stole my identity and has used it to open this account they can not provide any information when requested, my information was used with my knowledge and consent, I want transunion to delete and block this information off my credit report, or I will sue for damages and my lawyers fees, my information including accounts, social security number, drivers license, phone numbers, emails, were found on the dark web, either XXXX  can comply or this complaint can be and will be used in court or arbitration, delete and block this account immediately thank you. Also I will provide my drivers license that has my veterans status on it, I am a veteran of the XXXX XXXX, its been on my license for 15 years, no one has my license with my veteran status And XXXX XXXX has stole and used my identity with out my consent and has committed fraud against 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 explanation
Consumer complaint received 2024-02-26 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: PA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ), please compel CRA Experian to perform their duties according to FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2024 Experian Legal Department Address City, State, Zip Code Dear Sir/Madam, I, XXXX XXXX , am writing to dispute the accuracy and completeness of information reported by your agency regarding my account with XXXX  XXXX, account number XXXX. Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby request a thorough reinvestigation of the aforementioned account to ensure all information is reported accurately and completely. 


Moreover, I invoke the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ), 281 SW 715,719, to highlight that I have not been furnished with any proof of the alleged debt associated with this account. This lack of evidence leads me to presume that no such debt exists. Therefore, I demand the deletion of this account from my credit report as its accuracy and completeness can not be verified, and there appears to be no substantiating evidence of the alleged debt. 

Please ensure that this reinvestigation is completed as promptly as possible, within the 30-day period as mandated by the FCRA. I expect that all aspects of the account with XXXX XXXX will be thoroughly reviewed and that any inaccuracies will be corrected immediately. Should this account not be verified in its entirety or if evidence of the alleged debt can not be provided, I demand its removal from my credit report to accurately reflect my credit history. 

Enclosed are copies of documents supporting my dispute. I trust that you will handle this matter with the urgency and seriousness it deserves. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ Enclosures : Identity Verification Documents, if applicable ]

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 2024-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
TitleMax hired XXXX XXXX XXXX to repossess Consumer 's vehicle. Consumer has not received any correspondence from TitleMax, although Consumer opted in to receiving email, text and phone communications. Consumer has not received any loan documents, notices to repossess, advice of Consumer 's rights nor the process of redemption as pursuant to Federal and State Law. TitleMax has Consumer 's correct mailing address, but never made any attempt to contact Consumer in regards to the account. Mailing address on file is XXXX XXXX XXXX XXXX GA XXXX. If TitleMax sells the vehicle without giving proper notice they can be held liable for damages. There is also a Surety Bond on the Title which TitleMax is aware of. This Surety Bond covers insurance, accidents and any default payments. Consumer was not able to access documents and disclosures as promised through the portal or the website because the documents would not download. Loan number was not provided not available in the portal so Consumer has provided their social security number with this complaint. Consumer has reason to believe TitleMax has been trading the Consumer 's asset backed security ( Certificate of XXXX ) on the secondary market. This is securities fraud, as the Consumer never received disclosure of securitization nor their share. I am the Authorized Agent and Beneficiary of XXXX XXXX XXXX XXXX. As an Investor, if you can not resolve this matter, I will be forced to submit an Investor Complaint to the Securities & Exchange Commission as well IRS FORM 211 to request an audit of the account. Reference Vin No. XXXX. Unfortunately, the only document Consumer received was a Denial Letter that has been attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Early XXXX : I applied for a new card in addition to two existing cards. 
the amex app suggested I set up auto pay for my new card but took me to the wrong landing page. It ended up setting autopay again for an existing card rather than the new card. 
XX/XX/XXXX : first payment was due on new card, it did not post XX/XX/XXXX : I call amex and ask for payment to post immediately and set up auto pay manually. They eventually agree to reverse the late fee ( {$29.00} ) and say no charges will be applied- this was misconduct by amex staff since I got charged again. 
XX/XX/XXXX, : I get charged {$100.00} interest for the issue ( late payment by less than one day ) XX/XX/XXXX : I contact amex to resolve and they ignore my requests eventually saying they can not resolve the issue and the interest charge is valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-26 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: CA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION

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