vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I was involved in an accident on XX/XX/scrub>XXXX XXXX XXXX The other party ran the stop sign and I did not have time to avoid the accident. As a result, I hit the car that illegally ran the stop sign. USAA paid the damages to their customer to fix their car. Later, USAA made an attempt to collect the money from me. I wrote a letter denying any fault in the accident because the violator was the negligent party. USAA forwarded the loss they incurred to the XXXX  XXXX, XXXX branched in XXXX, IL. Currently, afni is attempting to dubiously collect the loss from me, which the loss was a result of negligence by USAAs customer. I will be categorically denying this claim and I will address this issue with afni via a letter.

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 2024-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: PA

Complaint narrative:
I was involved in an accident on XX/XX/year>. The other party ran the stop sign and I did not have time to avoid the accident. As a result, I hit the car that illegally ran the stop sign. XXXX paid the damages to their customer to fix their car. Later, XXXX made an attempt to collect the money from me. I wrote a letter denying any fault in the accident because the violator was the negligent party. XXXX forwarded the loss they incurred to the subrogation department, afni, branched in XXXX, XXXX. Currently, afni is attempting to dubiously collect the loss from me, which the loss was a result of negligence by XXXX  customer. I will be categorically denying this claim and I will address this issue with afni via a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I returned an item to XXXX, but they did not credit my account. I opened a dispute, BOA said they would investigate, I was credited. XXXX disputed the credit, citing return window policy. I told BOA the item was shipped and received later, BOA said that I need to provide proof of shipment, which I did, and proof of receipt, which i did. This was done three times I rang BOA and they said dispute was active, but I did not receive provisional credit, when asked about the provisional credit, they said one would be forthcoming. None ever did I have yet to receive any acknowledgement from BOA

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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX Robinhood ( robinhood.com ) placed a restriction on my account when I went to transfer the balance of my bitcoin from Robinhood and into a wallet. This is seen in the screen shot with the transaction history and the " Failed '' transfer, which was the beginning of the restriction. On the website the notification indicated that my account would be reviewed by XX/XX/XXXX. All week I continued to log in, check my balances, and see if the restriction was lifted. On the XXXX the notification asked for invasive amount of personal verification : front and back photo of my license, selfie front and sides, and a photo of a bank statement from an account from which I had originally transferred money into Robinhood. It seemed excessive and invasive, but wanting to free up my account, I complied. The on-screen prompt confirmed my documents would be reviewed for removing the restriction, again by XX/XX/XXXX. 

It's now XX/XX/XXXX and the account is STILL locked, with the error notification indicating the restriction date is moved out to XX/XX/XXXX. 

I tried calling Robinhood only to find only an automated recording directing callers back to the website chat to request a phone call, then disconnects. The website chat ( which seems to be only available on desktop ) does not provide a place to enter text, just to click on a pre-written response accepting the situation. 

Never has any bank withheld my money or asked for more than a 2-step verification top grant access. It seems more like an ongoing Hostage situation and is deeply inappropriate!

Regarding attachments- I advise anyone to take more screen shots than you think you need. I failed to when submitting the ridiculous documentation, or any confirmations from Robinhood ( If there were any, I don't remember ), or their XX/XX/year> promise, and 100 % regret missing those.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my dispute results from confirmation XXXX XXXX, I've noticed multiple errors being reported. The following account must be deleted from my credit file due to the continuous discrepancies and missing information being reported : XXXX XXXX XXXX - Account ending in XXXX - Reported Balance : {$9700.00}. This account has been disputed multiple times. Some dates include XX/XX/year>, XX/XX/year>, XX/XX/year>. Equifax has reinvestigated this account multiple times and this account is very misleading. 15 U.S. Code 1681i ( 5 ) states " If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. '' Please note the furnisher has a duty to correct and update information pursuant to 15 U.S. Code 1681s2 ( 2 ). It was said on the results received that the creditor has " verified '' information but there are multiple fields that are missing and dates that are incorrect such as date of the last payment and balances shown. 
I demand immediate deletion of this account in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: AZ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES 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 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 XXXXXX/XX/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 2024-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I was never notified of this collection I noticed it on my credit report for I check it often I had not received any paperwork or anything in the mail I sent a dispute letter XX/XX/year> the letter was sent certified mail it is now XX/XX/year> over XXXX  days and haven't received anything that is past the XXXX  days allowed according to US code 1692g I'd like this collection to stop and this account removed from my credit report..letters attached as proof..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
GM Financial reporting a write off on my credit report to the credit bureaus. I have requested a 1099C from the agency. The Agency stated that they have not written off the debt. But the account is showing on my credit report as a write off. Therefore the information that is being reported on my credit report is inaccurate. With the agency reporting inaccurate information. Due to the inaccurate credit reporting this may be a suspicion of fraud. I am requesting the account to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
The vehicle a XXXX Kia XXXX was taken from my residence by my daughter, XXXX XXXX XXXX on XXXX and never returned. I filed a police report and called Kia. To date vehicle has not been returned to place of residence and a warrant and letter of demand was issued and denied by XXXX court of XXXX XXXX on XXXX. 

Kia Finance is constantly calling me for payments which I have not made due to my struggling to pay bills. I talked with Kia and told them about the vehicel situation and filed a report of the incident. On XXXX I spoke with Kia XXXX XXXX and opted to surrender vehicle for non payment due to financial troubles. I also let Kia know that I was not in possession of the vehicle.

Kia has refused to start recovery procedures to find the vehicle and has refused any documentation I have from the XXXX XXXX Police and XXXX XXXX proving that I have tried all avenues to recover the vehicle.

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 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: CA

Complaint narrative:
To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX 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 2024-12-21 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: MD

Complaint narrative:
A few days ago i noticed a significant drop in my credit score so i went online to view my credit report to see why and i noticed an extreme amount of inquiries on them. I believe i have a fraud alert on all my credit profiles and have had one on them for a few years. I was under the assumption that the fraud alert would help avoid these situations and in order to obtain or attempt to apply for any type of credit i would have to be notified first to give consent for any type of inquiry. To the best of my knowledge i was never contacted by any of these companies for permission nor have i ever gave any type of written consent. 

XX/XX/scrub>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 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 non-monetary relief
Consumer complaint received 2024-12-21 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified.

There is no legally admissible evidence to verify the accuracy of what Navy Federal Credit : Opened XXXX XXXXXX/XX/year> : No Account XXXX  Listed on XXXX Report XXXX XXXX is reporting {$3300.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by Navy Federal Credit, in direct violation of the FCRA. I have discovered that the Navy Federal Credit fraudulent account. I need proof of a wet signature of an application w/ Navy Federal Credit and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. Navy Federal Credit accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I hope this letter finds you well. I am writing to formally dispute an account that has been reported on my credit report, which I believe does not belong to me. The details of the account in question are as follows : - Creditor Name : [ Creditor Name ] - Account Number : [ Account Number ] According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Specifically, Section 609 of the FCRA allows consumers to request the identification of the sources of information in their credit reports, and Section 611 provides the right to dispute information that is not accurate, relevant, or timely. 

I have thoroughly reviewed my records and can confirm that this account is not mine. I kindly request that you conduct an investigation into this matter and remove the account from my credit report immediately, as it is causing undue harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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   Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DRB-40, LLC
State: NY

Complaint narrative:
NOTICE # 2 XXXX Sent certified mail letter XXXX DRB LLC Received my letter XXXX DRB LLC Emailing me about the alleged debt owed and offering a settlement XXXX DRB Continues to email me again about the alleged debt owed and offers a settlement. This is negligent and non-compliant, and they will be liable for violation and will intent to sue. I have a fraud FTC Affadavit to prove this account is fraud as well. 

XX/XX/year> XXXX DRB responded to the dispute complaint, not acknowledging what I was requesting, which is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have requested mediation three times and made several phone calls but no action was taken from Wells Fargo

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 2024-12-21 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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