vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I opened an account with robinhood XXXX account back in XXXX XXXX XXXX of XXXX I flew to XXXX XXXX XXXX while abroad I lost my XXXX XXXX XXXX XXXX and during that time a recurring transactions from other account were established and sending a total of {$2300.00} to my robinhood account.I Tried unsuccessfully to contact XXXX.I had no other choice just to file a dispute.after approximately 5 days the transactions were reversed and I received my money bac.I returned to the United States in XX/XX/XXXX and I'am still locked out of my robinhood account.I emailed the help desk and they requested a picture of my self holding my identification.they are not following the disclosure and guidance of how to log back ounce you forget your password.they have my social security number my passport card informations my driver license my physical address, that should be enough to let them give me access to the account.for all the reasons listed above, I do not want to bank with robinhood anymore. 
I currently have {$410.00} in my investment account at robinhood. 
how can solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Two days after filing a Cfpb claim against JP Morgan Chase Bank ( Claim XXXX ) I received a call from their fraud team in regards to an account ( the same account referenced in Claim XXXX that has been closed for over 2 years. I am very concerned with my privacy and the fact that Chase called with a false fraud claim ( the card was destroyed when the account was closed in XXXX, 2020 ). The Chase representative would not verify any information when I became concerned for both my privacy and financial security. Call was received at XXXX XXXX CST from the number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
ON XX/XX/XXXX I SENT A CREDIT REPORT DISPUTE TO XXXX, XXXX AND EQUIFAX. XXXX REMOVED ALL OF THE NEGATIVE INFORMATION AND INQUIRIES. EQUIFAX LEFT ONE NEGATIVE ITEM ON MY REPORT AND XXXX LEFT SIX ITEMS THAT I DISPUTED ON MY REPORT. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE COMPLIANCE WISE THEY WERE REPORTING INVORRECTLY. EQUIFAX AND XXXX KEEPS SENDING THAT THE NEGATIVE INFORMATION HAS BEEN VERIFIED BUT DOES NOT TELL ME HOW. I ASKED THEM TO REMOVE THE NEGATIVES BECAUSE THEY DON'T COMPLY TO THE FCRA LAWS. I NEED THE NON COMPLIANT NEGATIVES REMOVED ALONG WITH THE UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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.

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 2022-04-22 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: Experian Information Solutions Inc.
State: LA

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.

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 2022-04-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My mother passed XX/XX/2022. I am her daughter and the beneficiary of her accounts along with my XXXX  children and my brother. 
I am XXXX XXXX ( XXXX ) My daughter is XXXX XXXX My son is XXXX XXXX XXXX is XXXX XXXX We have all tried to close a CD that 1/4 was gifted to each of us. 
Synchrony Bank will not cash out my son XXXX XXXX his 1/4 of a CD account. Although XXXX XXXX sent in paper work per their request he called Synchrony Bank AND they advise XXXX XXXX they did not receive it. I have had to cash out of other accounts with Synchrony Bank along with my family members. We have all been in tears dealing with this bank. Number one there is no Brick and Mortar. 
# 2 Process is time consuming and extremely stressful reducing 3 of the family members to tears dealing with them. 
I have documentation going back to XX/XX/2022 all the way till today. requesting these account be liquidated. It took me 3 months to get my share out and tons of paperwork, redo paper work and emails. They do not respond to emails. They do not answer the phone. We are still trying to cash out of one account and they refuse to give it us.

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 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I do not believe I owe what you say I owe. Therefore, I dispute this debt. I am aware of my rights under the federal and Florida Fair Debt Collection Practices Acts ( FDCPA ). Also, I believe that the statute of limitations for enforcing this type of debt through the courts in Florida has expired. Therefore, should you decide to pursue this matter in court, I intend to inform the court that I dispute this debt and that the statute of limitations has expired. 
This letter is your formal notification that I consider this matter closed and demand that you, and everyone affiliated with your company, stop contacting me. In the future, you may contact me only to advise me that you are ceasing your debt collection or that you or the creditor are taking specific actions allowed by law. 
Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Acts a serious violation of the law and will immediately report any violations to my State Attorney General and the Federal Trade Commission and take whatever legal action necessary to protect myself. Be advised that I tape record all phone calls. Violations of the FDCPA can result in you or your company being personally fined up to {$1000.00} per incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
XXXX didn't send statements or freeze my account for suspicious activity. My account was sent to debt collection when I didn't even get notified of the charges. I was called multiple times by debt collectors and was told to pay a debt I didn't owe. I requested for statements and notified the debt collector and XXXX I didn't recognize the charges and the address on file was changed without my authorization. I believe I was a victim of ID theft. My account was sold to XXXX XXXX XXXX where they continued to collect a debt when I tell them I didn't recognize charges and that address on file was incorrect. And they ignored my communication and sent me a letter saying they don't understand what I am disputing. My account was sold again to Messerli and Kramer where they filed for lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-22 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. states I have a right to privacy. 15 U.S.C 1681 Section 602 section 2 also states a credit reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I made several attemplemts to get Equifax to do a proper investigation but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: ID

Complaint narrative:
My account was deleted and removed by original creditor and credit reports on XX/XX/XXXX Received a suspicious letter XX/XX/XXXX ( also another SCAM it was back-dated XXXX but not postmarked till XX/XX/XXXX - stating needs to be paid within x amount of days from DATE of letter - SCARE TATIC and misuse of DATES ). 

this account is not valid, it is an account that was deleted. 

this company is not valid - who us XXXX? They write the letter 'as if " they are the original creditor / account / collection company - THEY ARE NOT. 
this company is trying to use scare tactics to make people believe they own a debt that is not valid. 

PROTECT yourself, protect your loved ones from SCAMS LIKE THIS that are allowed to happen by the government and these " debt collectors ''. No one cares but you, so READ everything CAREFULLY. 

In tiny fine print it says if you pay the debt they can then reinstate it and sue you! For a debt that isn't in VALID or LEGALLY BINDING! If you look closer you will see THEY CAN NOT SUE YOU, they can not even REPORT on this debt- why? because it is INVALID, deleted, removed or doesn't even exist. 

Legally they can not sue you or reinstate a deleted debt that you do not owe. DO NOT BE FOOLED by this COMPANY 's -- - GROSS MISUSE, MISREPRESENTATION and HARASSMENT. FTC and CFPB won't do anything so stand up for yourself and against companies using GROSS MISUSE TATICS for people who are under-read and do not have the comprehension skills to understand the MISREPRESENTATION of the language they are using and TWISTING to their benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/2021 -XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 -XXXX  XX/XX/2021 -XXXX  XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 -XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XX/XX/2021 XXXX XXXX XXXX -XXXX XXXX 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 -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX  XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-22 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Multiple Complaints, Disputes and Reference numbers dating over 15 months of trying to resolve. 

Here 's proof EQUIFAX MALICIOUSLY REFUSES TO REPORT ALL INFORMATION AS REPORTED BY THE CREDITORS. AND KNOWINGLY ( because they have been informed over 8 times ) THEY REPORT HARMFULLY- KNOWING IT HURTS THE PERSONS CREDIT FILE. 

SEE ATTACHED FOR EVIDENCE. 

This is one of many accounts on my credit file with EQUIFAX, that continues to report with empty information/ghost placeholder values/incomplete information. Please see the attached photo, which shows a snapshot of XXXX of my accounts, notice that EQUIFAX has no 2-year reporting history for this account, despite XXXX payments being reported to all XXXX major credit bureaus. 
XXXX XXXX Equifax are reporting accurately, EQUIFAX OMITS IMPORTANT INFORMATION TO PUNISH CONSUMERS WHO COMPLAIN. 

THIS SHOULD BE CRIMINAL

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation