vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
I deposited around {$1000.00} to my Robinhood brokerage account and subsequently transferred to my spending account so I could use it on my debit card while traveling, as it's a card that works internationally. I had a restriction placed on my account and they said it would be reviewed in 3 business days. After 5 days I decided to contact support and was told there was nothing they can do, and to call them. I am in XXXX and my US number charges by the minute to call them, I am not going to go back and forth for an hour when the call center they're outsourcing to can not even solve my problem. I asked to be contacted via email and they continue to give me the same copy & paste responses. I have been reading reviews on XXXX and XXXX and it appears this is a very common thing for them to lock people 's funds without reason and become very hard to contact about resolving the issue, typically taking months or even years in some cases. I have seen multiple people complaining about their life savings being held from withdrawal and I do not want this to become a further issue. They will not give me any information about why my account was suspending from withdrawals. All I want to do at this point is get my money out and close my account. My account was restricted on XX/XX/XXXX and it is now the XXXX. 10 days without any progress or update whatsoever, and seemingly no way for me to get answers, their live chat support can not help me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: TX

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-10-26 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: AZ

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEFT, I HAVE SUBMITTED 1 CFPB AND 1 DISPUTE LETTERS WITH LITTLE ACTION TAKEN BY XXXX. I HAVE NOW SUBMITTED AN ADDITIONAL LETTER WITH MORE PROOF OF IDENTITY AND PROOF THAT THESE ACCOUNTS ARENT MINE AND THAT THE BUREAUS ARE VIOLATED MY FEDERAL RIGHTS AND STATE RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I am writing to formally dispute a charge-off that has been reported on my credit report for the above-referenced account. Upon reviewing the details of this charge- off, I have found that I did not receive a 1099-C form, which should have been provided to me in compliance with IRS regulations when a debt is canceled or written off. According to the IRS guidelines, a creditor is required to issue a 1099-C when they cancel or forgive a debt of { {$600.00} } or more. Since I have not received this form, I believe this reporting is inaccurate. In light of this oversight, I kindly request that you : 1. Provide evidence that a 1099-C was issued for the debt in question. 2. Correct the reporting of this account on my credit report if the form was not issued, as this reporting may be incomplete or misleading without proper documentation. I would appreciate it if this matter could be resolved promptly. Please send me any supporting documentation related to the charge-off, or confirm that this charge-off has been removed from my credit report. Additionally, I expect this dispute to be investigated and resolved in accordance with the Fair Credit Reporting Act ( FCRA ). I appreciate your attention to this matter and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying for the longest while to get a credit freeze placed on my credit report but without success. I have sent in numerous letters with my particulars to have a credit freeze placed on my credit report but without success. 
I was a victim of identity theft in the past and that is why I am asking that a credit freeze be placed on my credit report.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying for the longest while to get a credit freeze placed on my credit report but without success. I have sent in numerous letters with my particulars to have a credit freeze placed on my credit report but without success. 
I was a victim of identity theft in the past and that is why I am asking that a credit freeze be placed on my credit report.

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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am receiving letter from LVNV funding for a credit card debt that I have no knowledge of any never had that credit card in my possession. The credit card was mailed to an address I have no knowledge of. I always lived and have always received mail at XXXX XXXX XXXX XXXX XXXX, FL XXXX. I am writing this to acknowledge that I have no information on the credit card used under my name. Please review, I am an Elderly retired woman with no access to apply for any credit card when I do not have enough money for myself. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Company Equifax has the incorrect information on my credit report. The only address that should be on my report should be XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Portfolio Recovery has reported false information on my credit reports at XXXX and XXXX ( and perhaps elsewhere ). See attachments as proof. Portfolio Recovery states that it is the " original creditor '' on certain alleged debts. However, I have never incurred any debt with Portfolio Recovery, and I have never transacted any business whatsoever with them. Therefore, they can not be an " original creditor '' of mine. I believe this is an attempt to re-age the alleged debts so that they remain on my credit reports longer than is permitted by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Messerli & Kramer P.A.
State: WI

Complaint narrative:
I have reached out to the original debt collector that held the account via mail on XX/XX/year>, and I have not received a response. The original debt collector has since sold my information to Messerli & Kramer PA to collect on a debt that they have refused to validate that i owe. Messerli & Kramer PA has since filed a lawsuit with small claims to collect on a debt that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
i recently reviewed my credit report and noticed an account that was not reporting accurately. I had an late payment on an account that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account " Credit acceptance corp. '' has not been late on the following date XX/XX/scrub>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 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I booked a hotel through XXXX on XX/XX/XXXX for XXXX XXXX their confirmation is XXXX for {$170.00}. 
I never did stay there due to safety reasons. I called the hotel and sent emails to the general manager agreeing to refund me. They refunded the money back to XXXX. I call XXXX and since I disputed the charge they couldn't touch the funds to return to me. I reached out to Robinhood four times provided the info from red roof and to give me my money back. They never sent provisional credit to me. And still won't help. They say if it bring the dispute is lost then I can't get my money back. I want my money now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Furthermore, I would like to mention the following important points : 1. Citi closed the account without justification or notification : - Consumer Protection Law ( LPC ) : Article 12. Financial service providers must inform consumers in writing about any changes to the terms and conditions of the services. 
- Electronic Transactions Regulations ( RTE ) : Article 22. Electronic service providers must inform consumers about any suspension or closure of an account. 
2. All payments were made on time : - Consumer Protection Law ( LPC ) : Article 13. Consumers have the right to receive clear and transparent information about financial products and services. 
- Commercial Code : Article 516. Payments made in a timely and proper manner release the debtor from their obligation.

3. The account was opened when I was living in XXXX as a tourist : - Consumer Protection Law ( LPC ) : Article 15. Financial service providers must ensure that consumers understand the terms and conditions of the services.

- Tourism Law : Article 22. Tourists have the right to receive clear and transparent information about tourist services. 
4. The account was closed in XXXX, during the pandemic : - Consumer Protection Law ( LPC ) : Article 16. Financial service providers must act in good faith and with loyalty towards consumers.

- Economic Emergency Decree : Article 10. Measures are established to protect consumers during the economic emergency. 
5. When I finally traveled in XXXX and requested information, it was not provided : - Consumer Protection Law ( LPC ) : Article 14. Consumers have the right to access information about financial products and services.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has several inquiries I neither authorized, requested, nor that culminated in any retail credit contracts on my personal credit report ( PCR ). 

XXXX XXXX XXXX XXXX ' ( undisclosed business type ) for XX/XX/XXXX were not authorized by me. 

There is no corresponding retail contract of sale nor extension of credit corresponding with these phantom entries, and I am unsure if they are actually some form of Identity Theft attempt. 

Coupled with an unrecognized inquiry by XXXX XXXX ( unknown entity ) on XX/XX/XXXX, I would respectfully request Equifax remove these unwarranted inquiries as per the US Federal FCRA, as they are in violation of 15 USC s/s 1681b ( permissible purposes ). 

Also appears as : XXXX XXXX XXXX ' and XXXX XXXX XXXX ' on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information TransUnion.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 explanation
Consumer complaint received 2024-10-26 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: CITIBANK, N.A.
State: IL

Complaint narrative:
The only credit inquiries in the last 5 yrs that I have authorized are XXXX credit repair free acccount and XXXX XXXX XXXX. I am disputing any and all other inquiries on my record. I believe that an ex partner of mine who had access to all of my personal information ran several credit inquiries and took out things in my name in order to not only track me as I was hiding from this person as well as for the purpose of ruining my credit as this was an abuser who did not want me to feel that I could survive without them and keep me dependent on them. They did not want me to have any life success independent from them as they knew I was taking steps to do so. Please remove all inquiries from my credit history.

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 2024-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Personal information incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
student loan is not mines it was identify theft i never went to school and this loan have been on my credit report for XXXX and i have sent letters to them and ask to be removed and it have not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America tried to offer me about settlement after sold to the collect dept then it returned to Bank of America. I already explained that I am unemployeed since XX/XX/year> and I am on XXXX and receive XXXX and my income is low level.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a paid membership with this business, I tried to place a freeze on my device once I started to get notifications of someone running my credit. I called to have the inquiries disputed, the representative told me he disputed it and it would be off soon. That did not happen. Im paying for a service that Im not using.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a paid membership with this business, I tried to place a freeze on my device once I started to get notifications of someone running my credit. I called to have the inquiries disputed, the representative told me he disputed it and it would be off soon. That did not happen. Im paying for a service that Im not using.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: OneMain Finance Corporation
State: GA

Complaint narrative:
I noticed an inquiry on my report. What was the purpose of your company pulling my credit report? Please send me all info you have regarding this pull

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
I had a prepaid XXXX XXXX credit card. 
It was collaterized to rebuild my credit. 
The card was closed with XXXX balance. 
XXXX XXXX has continued to state I was late on payments when there was never a balance and the card was closed. 
Trying to contact them is impossible I have tried via phone and the line goes dead. 

I want them to acknowledge my account was closed with XXXX balance and not have them continue to fraudulently claim my account is XX/XX/year> days late. 

There was never any balance period It was a pre paid card. 

XXXX XXXX XXXX XXXX card Last digits 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 2024-10-27 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am trying to create an online account with Experian so that I can have access to my credit report online. When ever I try to access my credit report on line through the Experian website it is saying that I need to be verified before I can gain access to my credit report online via the experian website. I need access to my credit report via the Experian website so I have submitted the following documents so as to prove my identity and my address. Kindly see files attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX XX/XX/year>XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I
am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off.

2. The name and contact information of the person or entity that provided the verification.

3. Copies of any documents or records used in the reinvestigation process.

The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

Sincerely, 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