vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Ive been having issues with Robinhood regarding funds I have in a account that I cant withdraw. One year ago I deposited some money for stocks I later found out my bank rejected the deposited cause they thought it was fraud so I had to call and verify it was me the next couple of days I received a email from Robinhood deactivating my accounts and holding the funds I had in my account I repeatedly messaged Robinhood to explain why I couldnt withdraw my funds they wont explain to me or let me talk to anyone regarding the matter this is very frustrating and borderline criminal I sent in id verification but no one has gotten back to me I really want to get my money back and never use Robinhood again criminals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: 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 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 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

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 XXXXopy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-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  A copy of my Identity Theft Report and proof of my identity . 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

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 2023-10-06 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: NY

Complaint narrative:
On my equifax Credit report theirs is negative items that it 60 days late my social security number is XXXX last four digits of the account is XXXX. It'd a fraud account I filed a federal trade commission identity theft report on file and also I'm disputing all 25 hard inquiries that are also fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Bank of America has reported I am delinquent with my mortgage payments, and that is a blatant LIE! I have made every single payment as I was instructed to do, and I have not been late with a payment for at least XXXX years. Bank of America has received every single payment/check, and it has cashed every single check I have submitted! I PROVED this to both XXXX XXXX XXXX, by submitting copies of my bank statements showing the checks that were cashed by BOA. The information BOA is submitting and has submitted to the credit agencies is FALSE, MISLEADING & DECEITFUL! I discovered BOA 's untrue claims firstly in XXXX & again in XXXX. I have disputed this with both XXXX & XXXX ; to my knowledge, XXXX is not involved. Prior to Bank of America 's unethical moves, my XXXX XXXX score was XXXX and my XXXX XXXX was XXXX. Due to Bank of America submitting UNTRUE information, my XXXX dropped at XXXX time as much as XXXX points! No company, bank or otherwise, should be allowed to do this to any customer, especially a seventeen-year customer with a superb payment record! Bank of America is NOT TELLING THE TRUTH!

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 2023-10-06 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-06 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Servatus Corporation
State: CA

Complaint narrative:
my uncle owes a debt to this company and it has a lien on my property. i have called many times asking for some time to come up with XXXX dollars. and they just gave me 3 days to come up with that money. one of the employees named XXXX told me that that was the only deal to come up with XXXX dollars in 3 days. The other person is the attorney XXXX XXXX he told me the same and i asked for a payoff demmand letter until the XXXX of this month XXXX XXXX he said he doesnt know he will let me know in a few days still no response. i want to pay but they are being unhelpful and mean to me i feel helpless i tried to make a complaint on their section and they told me the only one that could help me is XXXX XXXX. i need a payoff demand letter for the XXXX to pay and have that release of lien on my property. i need help from someone. i cant sleep and feel worried at work and home. please help me.you czn clearly see on the letter was written on the XXXX of XXXX and they demanded me to pay 3 days after only on the XXXX of sep. XXXX they dont want to give me a reasonable amount of time and im borrowing the money that takes some time. i need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
My mortgage is in the COVID-19 assistance program. This includes the XXXX, XXXX, and XXXX payments plus some back home owners insurance monies. This money is paid to Carrington Mortgage by HUD, then I pay them back whenever my home is sold. My payments start again in XXXX. I was told not to make a payment on XXXX XXXX and I did not. But Carrington Mortgage debited my checking account on XXXXXXXX XXXX XXXX  in the amount of {$1400.00} which they should not have done. Because of that our car insurance, Medicare part C supplemental health insurance and other bills are not paid. When I did our on-line banking today right after lunch our checking account is- {$970.00} with some NSF charges XXXX I have faxed them info they needed on Monday, and e-mailed them more info on Wednesday to get that money put back in our account. That money still not there. My wife who is partially XXXX, and myself live on a fixed income consisting only of our SocialSecurity income and we are broke!!! And they are taking their good old time getting us our money back. WE NEED THAT MONEY NOW!! Please help us- Thank you, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint due to inaccurate information on my credit report, The accounts are reporting inaccurate information, such as payment history, date of last activity, payment status, etc.

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. Accounts payment history are reflected as late payment on my credit report in violation of Federal Law.

According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an 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 2023-10-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Failure to follow the following 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S code 1681i ( 5 ) violation of permissable purposes I did not give written consent to report this type of account to my credit report 15 u.s 1692 communication in connection with debt collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 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: PA

Complaint narrative:
I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: D.S. Erickson & Associates, PLLC
State: MN

Complaint narrative:
D.S. Erickson has been coming after me for old medical debt that XXXX claims we owe but neither D.S. Erickson nor XXXX has been able to provide me full accurate records. Some records I received and disputed with XXXX but they wouldn't do anything about it and so back and forth it goes. D.S. Erickson has told me that I could pay and STILL dispute after the fact. I don't trust this but I have paid them thousands of dollars because they took us to court during quarantine and I had no idea what to do so some of the money I paid willingly but some they took right out of our checking account and we occurred more fees for this! I have repeatedly asked for a statement from the debt collector ( DS Erickson ) to show what I owed vs. what I paid and what they claim I still owe. I was told they don't do anything like that. I don't know when this is going to end and I keep receiving conflicting information. I disputed everything and the judge gave me until XX/XX/XXXX to take care of either further disputes or get an attorney ( which I looked into and that is VERY expensive related to the supposed debt ) - but now I've received a letter in the mail saying there's a court date on XX/XX/XXXX. For what? I am so overwhelmed. Can you help me? ASAP?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am a XXXX citizen. I have been a victim of identity theft. My cell phone number was stolen and transferred to a new cell carrier. Then the scammers contacted all my credit card companies to obtain new cards with the changed info. They were able to obtain my XXXX and Bank of America cards. They changed my contact information so that now I can not access my own accounts. For my XXXXXXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX., I called the fraud dept and they took my new information and cancelled my old cards no problem. They assured me I'm not responsible for the fraudulent charges. The only trouble I have had is with BANK OF AMERICA. They refuse to even confirm there are unauthorized purchases on my account, they will not share any information about my card, or close my account unless I PHYSICALLY GO INTO a Bank of America with 2 forms of ID. I live in XXXX XXXX, Colorado. Nearest Bank of America is XXXX miles away. I am a senior and can not complete that drive. I'm fearful of the charges being made on my account with no way to resolve it. Today, I received a letter in the mail from Bank of America. They said there is suspicious activity on my card and they've been trying to reach me. I have been calling them everyday, and they have refused to take any action. So, I called them again today XX/XX/23. They said the address on my account was now listed as Florida. But, I live in XXXX XXXX, Colorado and their letter was sent to my long time address there, they customer service person couldn't explain why. Each customer service person I have spoke with is not interested in helping me resolve this issue,. Not only are they not concerned about the impact on me, their long time customer, they are rude, and uncaring. I have offered to go to the police to provide proof of my identity, or the postal office, or another reputable bank in my town, all offers we denied. I feel these practices are predatory for seniors and people in rural areas. Again, I haven't had this trouble with my other credit card providers, who have been cooperative and understanding.

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 2023-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: CA

Complaint narrative:
On Saturday XX/XX/XXXX I went to Comerica bank and deposited XXXX payroll checks from the state of California for back pay earned from XXXXXXXX XXXX XXXX for whom. Monday, XXXX, I called the bank to see if my payroll checks had cleared I was told that I would receive my funds on Tuesday XX/XX/XXXX. I have my XXXX check directly deposited to Comerica Bank and on the XXXX I went there to make a cash deposit so my rent would be paid as my payroll checks had not yet cleared. Well I was there I spoke with the teller who said she left a message on my machine regarding the XXXX payroll checks I informed her it was back pay she said no problem checks will be cleared tomorrow. On Wednesday XX/XX/XXXX still no checks and when I called in the afternoon I got no answers nobody told me what was that. Space space on Thursday XX/XX/XXXX I called and spoke with the fraud department who told me that there was a XXXX hold put on my state of California payroll checks nobody gave me a reason nobody gave me written notice I was not informed. I am now in the red about {$550.00} well they didn't make a XXXX-minute phone call to verify my employment and clear my checks and they're going to charge me an overdraft fee was XXXX XXXX XXXX woman I'm not a bank defrauder this is wrong on every level and Comerica Bank needs to be punished.

Company response to consumer: Closed with monetary relief