vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
RE : Request for Investigation of Unauthorized InquiryTo Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : I contacted ( CREDITOR/FURNISHERS, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I received a letter from Security Credit Service in reference to Account Number : XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. For a debt they say I owe that they have not validated. I send them a certified letter asking for proof that this debt is mine and they have failed to respond, it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. You agreed to a " pay for delete '' and you have not removed the account from my profile. You have received FULL payment and need to remove the collection from my account as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
I send Nelson, Cruz & Associates XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX a certified letter to provide documentation on a debt they are pursing. to prove the debt they say I owe is valid over a month ago. They have failed to respond and keep emailing me when I have asked them to stop. USPS Tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I reached out with a demand to comply letter to TransUnion to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the incorrect items on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). 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 2021-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am a customer of U.S Bank I recently gained a substantial amount of money from trading stocks on XXXX after I made some winnings I transferred XXXX back to my U.S bank account on XX/XX/2021. I noticed a few days later that my XXXX account was warning me that my password was leaked. I then went on to my U.S Bank account and saw the same notification and when I looked at my balance all my money had been taken, I then went to my settings and got a notification that all my bank passwords had been stolen and that my accounts where involved in a data leak. I reported to XXXX and told them I have proof of a data leak and when I explained the situation to them they helped me get all my money back I also contacted U.S Bank i tryd explaining to them but they didnt seem to care to much about the details they give me provisional credit in the same amount that I had lost but I asked myself shouldnt they be concerned about why this was happening but they just shrugged me off as if I was a pest as if they just wanted to end the phone call, by the time I got the credit it was soon taken again leaving me with a bill of over XXXX XXXX dollars. They denied my claims and said I was irresponsible with my passwords even though I have evidence that there was a data leak on there end I should not be held responsible for there poor security system. Ive been getting harassed by U.S Bank constantly by there employees with harsh language and terms like nobodys going to believe someone like you I asked what that meant but they declined to answer, the worker continued to verbally attack me by saying you owe this and you have no choice but to pay without listening to a single thing I had to say. I just feel like this company is really abusive to there customers and they need to be held responsible. I would never be treated this way if my name was American or if my skin wasnt XXXX this has been one of the worst experiences of my life, I had no issues getting help from XXXX because they respect there customers enough not to harass and assume certain people are at fault because they look a certain way I love XXXX and how they treat everyone with dignity, I will inform all my friends and family about the way Im being treated by US Bank if this disrespect continues US Bank is a organization that has no respect for its customers especially if they are 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 monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I reached out with a demand to comply letter to TransUnion to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the fraudulent inquiries on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). 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 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I have previously reported the following XXXX transactions totaling {$13000.00} to USAA as fraud : XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XXXX XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$100.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$1000.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$400.00}. 
XX/XX/XXXX - {$200.00}. 
XX/XX/XXXX - {$200.00}. 
XX/XX/XXXX - {$250.00}. 
XX/XX/XXXX - {$300.00}. 
XX/XX/XXXX - {$500.00}. 
XX/XX/XXXX - {$250.00}. 
XX/XX/XXXX - {$100.00}. 

For USAA to say that these transactions are not fraud is completely wrong. Please pay attention to the words and documentation that I have submitted in this complaint. During these dates I was serving my country on a XXXX in the depths of the ocean with NO access to the internet or to my cell phone. I have attached my statement of service stating that I was onboard a XXXX during these dates. I went on XXXX on XX/XX/XXXX and prior to that I had called XXXX XXXX XXXX  to suspend my cellphone service. The person who defrauded me had called XXXX XXXX XXXX after I had left for XXXX and she convinced XXXX XXXX XXXX to keep my cellphone service active WITHOUT my consent. This allowed her to receive text messages from USAA and allowed her to change my passwords all while pretending to be me. I have attached my XXXX XXXX XXXX usage report during these dates. You can see that text messages from USAA ( SMS code XXXX ) were received starting on XX/XX/XXXX most likely allowing her to have my personal information and passwords changed while I was on XXXX. I DID NOT authorize these transactions and I am a victim of identity theft. I was severely and maliciously defrauded. I have attached police reports that document that the person who did this is a con artist / serial defrauder. I also found that a bench warrant was issued for this person 's arrest in XXXX ( also attached ) for contempt of court in a case where she stole the identity of a service member serving in XXXX and she opened multiple credit cards in this persons name. She also opened 5 credit cards in my name and so far XXXX XXXX  and XXXX XXXX XXXX XXXX has recognized that I was defrauded and they had their bank 's entries deleted from my credit profile. Furthermore, she also sent money to her daughters from my XXXX account totaling {$7200.00} while I was on XXXX. XXXX has recognized that I was defrauded and had those funds returned to me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I reached out with a demand to comply letter to Equifax to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the incorrect items on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Dear CFPB Officer, My name is XXXX XXXX. About three months ago, I started investing my money on stocks through Robinhood XXXX. When I decided to transfer my money out of Robinhood, it restricted my action because the initial bank account that registered with my Robinhood account was not the same as the one I would like to have my money transferred to. Thus, my request can not be fulfilled and they closed my account eventually without notifying me. Later, I got a call from their representative, he told me that my action requires their specialist to call me to assign a money order then I can withdraw my money from my local bank. However, during the past three months, I tried to reach them out and kept sending emails to their customer service email address regarding the same issue. None of my emails got a legitimate response from their side except those automatic replies. I deeply doubt that I got scanned by their company. Especially, considering the raging and increasing accuses and complaints pointed to their company since the 'XXXX buying scandal '' I really don't know what to do and where to ask for help now. My family and I need this money to survive. Please help us find a way to get my money back. For your reference, I have attached some evidence below. Please don't hesitate to contact me if you need my further corporation. Your help is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I reached out with a demand to comply letter to Equifax to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the fraudulent inquiries on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, My credit score dipped 22 points with all three bureaus. This is confusing because it shows this is due to a {$660.00} decrease in my credit balance with XXXX XXXX. My credit score is suppose to go up with a balance increase. Issue two is that it's indicating that XXXX XXXX removed some type of remark??? I have not seen any remark on my report dating back to two months ago when I was notified a remark was added. This goes into my last most critical concern, why did XXXX XXXX immediately remove this remark simultaneously after I paid {$700.00}. on my credit card balance. That's seems to be retaliatory. 
I need a firm understanding of the bureaus impact and XXXX XXXX sudden behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Grant & Weber
State: CA

Complaint narrative:
Fraudulent account. Opened without my knowledge, consent or authority.

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 2021-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My last name is 2 wordsno hyphen, no underscore. You can not register with Trans Union by giving your correct last name as two words with a space between. All my records including my notary license lists my last name as 2 words. 

I was advised in the XXXX by Social Security and the IRS to only use my name the way it is. President Trump made it illegal to have various forms of your name as it presents a problem and makes it easier for others to steal your identity. I only use my first name and my last namenothing else and have for years argued with credit agencies for listing other peoples employment and debts under my name. This opens a whole new can of worms when a credit agency refuses to change their system. They insist you use one word. Well thats not my name and they should be fined for this and reporting false information! Any information they have under another name does not belong to 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 2021-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I don't know why PayPal stole my money PayPal - negative {$1400.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$1400.00} XX/XX/XXXX Transfer Paid with PayPal XXXX XXXX balance {$1400.00} Transaction ID XXXX Seller info PayPal Note {$1400.00} USD ; PayPal Posting Date : XX/XX/2021 ; Payment to : Paypal ; Law Enforcement Seizure

Company response to consumer: Closed with explanation