vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regional acceptance is reported late payments on my credit all different in each credit bureau when they had already received payment from XXXX and the vehicle had been in an accident and was a total loss. They are careless and till reported payments late when XXXX had already sent them a pay off for my 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 2024-02-16 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: CA

Complaint narrative:
On XX/XX/2023, I mailed letters to XXXX, XXXX, and Equifax via certified mail advising them to remove information based on discrimination, improper use of my credit, and sharing my information with 3rd parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I had a {$700.00} line of credit from XXXX XXXX associated with my XXXX account. Because of financial difficulties, I stopped paying on the account on or about XXXX or XX/XX/XXXX. On XX/XX/XXXX, I called XXXX to see what the payoff amount of the line of credit was so I could resolve the account and was told XXXX had charged the debt off on XX/XX/XXXX and closed the account. Subsequent to the XX/XX/XXXX call, I received a notice from XXXX stating they had sold the account to MIDLAND CREDIT MANAGEMENT. I called the telephone no. on the notice to see what I needed to do to resolve the acct. and was told Midland would contact me directly. In late XX/XX/XXXX, I received a notice from Midland stating I owed them {$1000.00}. I am a retiree, a single-income household and I am paid ONCE A MONTH at the end of each month and $ XXXX is substantial to my living expenses. I put aside funds from my retirement check at the end of XX/XX/XXXX and planned on putting aside add'l funds from my monthly check on XX/XX/XXXX and either pay the amount in full in XXXX or XX/XX/XXXX. On XX/XX/XXXX, I found a plastic bag containing a XXXX envelope tied to my house door. It was a 2nd notice from Midland Credit Management and it stated I needed to pay them BY XX/XX/XXXX or they would proceed with an attorney. THEY LITERALLY GAVE ME FIVE DAYS to pay them. I called the telephone no. on the notice and spoke with a snarky rep with limited English-speaking capabilities. I told her I would pay in full via a money order sent via the post office either on XX/XX/XXXX or in XXXX. This didn't seem to appease the rep. After that call, I decided I would pay on XX/XX/XXXX because I suspect this aggressive, very fraudulent company will proceed with legal action after the FIVE days elapse then tack on add'l absorbent legal fees they will say is due them EVEN THOUGH they've been told I'm paying in full on XX/XX/XXXX via money order through the post office. I also wrote a letter on XX/XX/XXXX informing them of this and sent it that day via first class mail. So they've been notified twice prior to XX/XX/XXXX-THEIR DEADLINE. I called CFPB as well on XX/XX/XXXX in hopes they could do something to prevent this company from proceeding with legal action and adding additional monies to the amount due. CFPB suggested I submit a complaint against the company. I am not disputing the amount of the debt even though they already tacked {$360.00} onto the original debt of {$700.00}. What I am disputing is their debt collection practices. This company has a horrific reputation and needs to be investigated and I'm hopeful that CFPB will initiate that. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am a current XXXX customer, I do NOT owe this debt and have no idea where it came from I have filed a claim with the police department as well as place a hold on my credit report and notified the ACTUAL owner which is XXXX now I have a debt creditor harassing me literally every day about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I don't know The dates or amounts of each charge but this is in my credit report. 
Discover, XXXX  XXXX are destroying my credit. Every charge. I am trying to resolve this identity theft issue and no one will help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
i have requested the following companies to furnish any contracts and proof that of responsible party to obtain credit under my identity file XXXX XXXX. XXXX XXXX XX/XX/XXXX - {$250.00} XXXX XXXX XXXX $ XXXX {$480.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX- XX/XX/XXXX, XXXX {$640.00} XXXX XXXX XXXX- XXXX {$460.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX- XXXX {$500.00} REOMOVE UNATHORIZED INQUIRES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX  XXXX {$640.00} REMOVE UNAUTHORIZED INQUIRES XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX {$300.00} UNATHORIZED INQUIRES XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
i have requested the following companies to furnish any contracts and proof that of responsible party to obtain credit under my identity file XXXX XXXX. XXXX XXXX XX/XX/XXXX - {$250.00} XXXX XXXX XXXX $ XXXX {$480.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX- XX/XX/XXXX, XXXX {$640.00} XXXX XXXX XXXX- XXXX {$460.00} XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX- XXXX {$500.00} REOMOVE UNATHORIZED INQUIRES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX  XXXX {$300.00} XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$640.00} REMOVE UNAUTHORIZED INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX {$300.00} UNATHORIZED INQUIRES XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
My RobinHood account has been restricted. I keep submitting the documents they ask for and nothing is being accomplished. Today ( XX/XX/2024 ) I have credit card bills due and I can not pay them because of my account restriction. This is going to damage my credit score and cause me to incur late fees. Furthermore my paycheck was rejected due to the account restriction, causing another set of spiraling problems. 

I've been reading about others have said that had this same problem and Robinhood stated " ... We are unable to verify the legitimacy of the remaining funds in your account. Therefore no money remains to be returned to you. '' This would be absolutely devastating if my money is seized. I just feel immensely helpless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: NC

Complaint narrative:
I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT. 

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility or reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
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. I Demand to remove immediately the following accounts from my Credit Report! 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates
State: OH

Complaint narrative:
Under FCRA guidelines Prince Parker And Associates has violated my rights according to : 15 USC 1681 section 602 : rights to privacy 15 USC 1681 section 604A section 2 : consumer reporting agencies can not Furnish info without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/year> I received a copy of my consumer reports and theres incorrect and inaccurate reportings on my consumer files. I have been going back and forth with these agencies to validate and verify the information for all my missed and late payments which are not accurate as I have NEVER been late nor have i given these agencies permissible purpose to report these negative reportings on my reports. I am a federally protected consumer and I am promised accuracy and correct information to be reported on my consumer reports. These agencies are violating federal law and under 15 usc 1681, all information must be verified and validated. as you can see they can not verify or validate the information so it must be removed. All Missed payments, all late payments, all closed accounts which have never been closed nor have i the consumer given my written consent to close the accounts that have a long history of reporting as I am in need of the length to make my reports accurate. These are all violations and I demand that they correct and update my consumer reports promptly. I am being damaged and this is a violation that is also a fee of XXXX per inaccurate reporting. Please have them promptly upadte my reports as I have a right and promise for all accurate information. I demand that these inaccurate reportings be corrected today! 
I am not getting the credit usage i need and I am promised accuracy of all my consumer reports. under 15 usc 1681. have these agencies update and give me what i am promised by federal law. XXXX, XXXX, and transunion must get these reportings updated today and send me the updated reports immediately to see the changes and updates as i am promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: CA

Complaint narrative:
XX/XX/year> I received a copy of my consumer reports and theres incorrect and inaccurate reportings on my consumer files. I have been going back and forth with these agencies to validate and verify the information for all my missed and late payments which are not accurate as I have NEVER been late nor have i given these agencies permissible purpose to report these negative reportings on my reports. I am a federally protected consumer and I am promised accuracy and correct information to be reported on my consumer reports. These agencies are violating federal law and under 15 usc 1681, all information must be verified and validated. as you can see they can not verify or validate the information so it must be removed. All Missed payments, all late payments, all closed accounts which have never been closed nor have i the consumer given my written consent to close the accounts that have a long history of reporting as I am in need of the length to make my reports accurate. These are all violations and I demand that they correct and update my consumer reports promptly. I am being damaged and this is a violation that is also a fee of XXXX per inaccurate reporting. Please have them promptly upadte my reports as I have a right and promise for all accurate information. I demand that these inaccurate reportings be corrected today! 
I am not getting the credit usage i need and I am promised accuracy of all my consumer reports. under 15 usc 1681. have these agencies update and give me what i am promised by federal law. XXXX, Experian, and XXXX must get these reportings updated today and send me the updated reports immediately to see the changes and updates as i am promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
on XX/XX/XXXX jefferson captial report a XXXX debt as late after attempts on XX/XX/XXXX that is not my debt. this is a clear FTC violation of code 15 USC code 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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 against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 non-monetary relief
Consumer complaint received 2024-02-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option 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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This hard inquiry is on my account and I dont have an open account with the creditors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
my name, billing address, phone number, email, my debit card information were used without my permission. Spred out over two transactions with a company that sell sports tickets online. Merchant web site : XXXX. fraud transacton : XXXX ). XXXX XX/XX/2023 XXXX {$1500.00}. XXXX ) XXXX XX/XX/2023 XXXX {$2300.00}. I did learn from XXXX supervisor that the IP address used during purchase was down in XXXX texas, not local to my home, I am in XXXX XXXX Texas. // I had discovered the two fraud charges and called my bank to start dispute process. // the merchant denied my claims that these two charges were fraudulent // my banker requested of me that i file a police report and forward back to them for review, banker reviewed police report said without satisfactory sufficent documentation they will not process a chargeback to merchant. // here is my issue, i don't have documentation that they want, I am the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: FL

Complaint narrative:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate my claim.

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