vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
ROBINHOOD, a trading platform / bank account provider, is stuck into the typically American banking institution nonsense of " sending SMS messages to authenticate logins ''. When attempting to access my account, I get a " we'll send you a code by SMS '' message and I CAN NOT proceed further because I do NOT use SMS messages- I have a LANDLINE telephone. This results in a catch XXXX - CAN NOT log in and access account, CAN NOT change or delete telephone number and CAN NOT reach company because they DO NOT respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: MD

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
On or around XX/XX/2023 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX we had unauthorized charges come through our checking out, via my debit card. I was notified by text of three of these charges and marked them as fraudulent. I then followed up with the bank the same day to confirm that those charges were not going through and then they closed that debit card and sent me a new one. Later that afternoon I received a few notifications from XXXX stating that orders that I did not place had be shipped. I then called PNC back and asked why these charges still went through - they said that since it was my debit card, I would have to wait until the charges posted before I could file a dispute. 
Over the next few days I tried calling XXXX to cancel or refuse the orders that had been placed in my name and there was nothing they could do about it. The charges showed up on my account and said that the products were delivered to me but nothing was ever delivered. 

To define these charges/orders : - They all happened on the same day - at the same time - For the exact same product- in the exact same amount We filed one dispute and it took the full 90 days for us to get a response. The response detailed that 3 of the 14 charges were found as fraud but the other 11 were found as legitimate orders. The provisional credit was taken back and PNC closed our checking account AND my credit card without any notice. This is an account that all of our bills come out of, power, mortgage etc. These payments are auto-drafted and because the account was closed without notice we incurred various fees due to returned payments. 

It then took us a full 3 weeks to receive the cashiers check for the remaining amount in our account, to open a new account at a different bank, and for all of those funds to be available since it was a large deposit. 

I then filed a complaint with the CFPB regarding this situation and was placed with an agent at PNC. They filed a separate dispute XX/XX/XXXX and within 25 days we received notice that the NEW dispute went nowhere. I have provided a police report and a letter from XXXX stating that the 3rd party company that the fraudulent orders were placed with has since been removed from the platform for " quality reasons. '' In the meantime, my PNC representative stated that XXXX tried to issue the refund for the remaining funds but because they had closed our account, the funds were rejected. 

My representative at PNC then instructed me to call XXXX and see if they could reissue the refund. Since that instruction I have gone back and forth with both PNC and XXXX trying to find someone who can help, with no luck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-29 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I ordered some tickets through XXXX but I never received the tickets so I submitted a request for the refund of the tickets. I got the refund but they are still saying that I owed them money and they sent me to a debt collection company. I have pictures and messages of me trying to get this fixed since I dont owe anything to XXXX or True Accord. I didnt sign a contact with True Accord therefore I recommend them to cease and desist all contact methods. Additionally, I would like this debt removed from my credit reports and if you attempting to add it to my credit report I would appreciate it if you dont.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have twice requested on recorded phone lines for the EXACT ARRANGED AGREEMENT of debt collection. I do not have the date of first request, but 2nd request was XX/XX/2023. Department is nothing but hostile, denies not sending it, when they have never sent it. American Express is willfully withholding information and documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY

Complaint narrative:
I am a victim of identity theft. I am filing this complaint as I am attempting to dispute an account that was fraudulently opened at BankMobile using my social security number ( SSN ). The account in question, was opened using a different name and date of birth, but is confirmed to be matching my SSN. I have been advised to use the BankMobile reference number XXXX, which should be attached to the fraudulent account being disputed. 

I have provided BankMobile all necessary documentation that supports my claim of identity theft, including a completed fraud affidavit issued by the Federal Trade Commission, a police report with the XXXX XXXX XXXX Police Department, proof of my identity, proof of my social security number, proof of my legitimate residency, and a signed/notarized Limited Power of Attorney for XXXX to speak on my behalf ( who has been assisting me on this matter ). These documents were sent via USPS certified mail on XX/XX/2023 to BankMobile at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The USPS tracking number indicates the documents were received by BankMobile on XX/XX/2023 at XXXX. 

XXXX and I have made numerous attempts to obtain an update on this disputed account, but have so far been unsuccessful, as BankMobile has been unwilling to assist us over the phone. I am requesting an immediate investigation into this identity theft matter, and expect to receive a release letter confirming the closure of this account and/or removal of my SSN. I expect any and all liability to be removed from my name and expect any reporting agencies to be corrected on my behalf. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank decides to part way from me for absolutely no reason at all. I love this bank but after my account was negative for a few days which i had a deposit on the way they decide to terminate my account never letting me open a new one ever in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is incorrect and does not belong to me, I do not want it in my report. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is incorrect and does not belong to me, I do not want it in my report. 


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 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 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 2023-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am aware that I am delinquent on both of my accounts, and I have let Capital One know that I have filed for bankruptcy with an attorney. Even though they have this information, I am still being harassed with phone calls where they will call me and then hang up. I attempt to answer these calls and talk to whoever is there but they will not speak and no amount of pressing buttons will get me to an operator or customer service agent. These calls are coming at random times of the day, several times a day.. When I call about this problem, they deny that they called and they refuse to cooperate. This is a violation of US bankruptcy laws and this harassing behavior will be reported to my attorney and to the bankruptcy court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am filing this complaint as I am attempting to dispute an account that was fraudulently opened at XXXX  using my social security number ( SSN ). The account in question, was opened using a different name and date of birth, but is confirmed to be matching my SSN. I have been advised to use the XXXX reference number XXXX, which should be attached to the fraudulent account being disputed. 

I have provided XXXX all necessary documentation that supports my claim of identity theft, including a completed fraud affidavit issued by the Federal Trade Commission, a police report with the XXXX XXXX XXXX Police Department, proof of my identity, proof of my social security number, proof of my legitimate residency, and a signed/notarized Limited Power of Attorney for XXXX to speak on my behalf ( who has been assisting me on this matter ). These documents were sent via USPS certified mail on XX/XX/2023 to XXXX at XXXX XXXX XXXX XXXX XXXX NJ XXXX. The USPS tracking number indicates the documents were received by XXXX on XX/XX/2023 at XXXX. 

XXXX and I have made numerous attempts to obtain an update on this disputed account, but have so far been unsuccessful, as XXXX has been unwilling to assist us over the phone. I am requesting an immediate investigation into this identity theft matter, and expect to receive a release letter confirming the closure of this account and/or removal of my SSN. I expect any and all liability to be removed from my name and expect any reporting agencies to be corrected on my behalf. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/, I pulled my XXXX XXXX report and noticed two hard inquiries on my credit. One from JP Morgan Chase and another from XXXX XXXX. I called XXXX XXXX to inquire, first checking by name them date of birth. They then asked for my SSN which I was not comfortable providing to an insitutiom I do not have a relationship with. 

I do not have any credit cards, nor have I applied for one in many years. I am concerned that my SSN and credit are currently at risk and am seeking assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There is an XXXX XXXX XXXX bill that keeps showing up on my credit report. it was open in 2016 the account number is XXXX. I've done numerous dispute letter, and they refuse to reply. please 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 2023-09-29 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
There is an XXXX XXXX XXXX bill that keeps showing up on my credit report. it was open in 2016 the account number is XXXX. I've done numerous dispute letter, and they refuse to reply. please 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 explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: KS

Complaint narrative:
In the beginning of XX/XX/2023 I started receiving phone calls and written notices from MediCredit. I contacted MediCredit to request proof the debt was mine, I even contacted the original creditor who said they have no record of the bill MediCredit is trying to collect for. The end of XXXX I tried placing the debt in a dispute status with MediCredit three times, and each time requesting the information to prove the debt was mine. They have continued to harass me with phone calls and letters even though I have told them I want to dispute the account, and they have refused to place my account in a dispute status and stop collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
I had a personal loan originated by XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) default as of XX/XX/2023. This was the last communication that I received from XXXX. On XX/XX/2023 at XXXX PST, I received a call from my brother asking me if I had done business with Alliant Capital Management or was this a scam. I had not heard of this Alliant Capital Management and thus I found it odd that my family was conducting regarding the collection of debt without my knowledge of any collection activity. Please investigate and rectify these inaccuracies in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation