vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 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 2022-05-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 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 2022-05-19 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: CA

Complaint narrative:
On XX/XX/2022 I initiated a deposit into Robinhood in the amount of {$5000.00}. On XX/XX/XXXX robinhood locked my account and initiated an investigation for reasons unknown to me. I have cooperated with robinhood in submitting all the requested documents such as bank statements, drivers license, social security card, and Live Photos. Robinhood has since kept my money locked with no access from me whatsoever. They keep asking for statements that I Have already provided multiple times. A remaining balance of {$2200.00} remains locked in my robinhood account. I keep Getting the runaround and it seems like I will never have access to my money again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Report act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  XXXX XXXX and XXXX # Acct XXXX has violated my rights. 

15 U.SC 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 section 601 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 explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
On Friday, XX/XX/2022, and Friday, XX/XX/2022, I received two identical text messages from an unknown phone number, ( XXXX ) XXXX, claiming to be the CBE Group. 

In these messages, they told me to contact them at ( XXXX ) XXXX or paycbe.com. They provided no context on what sort of debt they are trying to collect, no statement with balances, and no identification of my name in their messages. They also did not provide a physical address that I could reach out to via mail. On top of all this, nowhere could I find these numbers to be associated with the CBE Group on the Internet. I did report this as spam to my cell phone provider the first time receiving this, only to be contacted once again. 

Normally, I would be skeptical of these messages, but I am aware that CBE Group is a legitimate debt collection agency that partners with the IRS. Additionally, the XXXX area code of this phone number seems to match that of the CBE Group 's headquarters. 

When I checked my profile on the IRS website, it stated that I do not have any debt owed. I'm not sure if whether this text was sent by mistake or with malice. Since I don't recognize this number, I do not feel comfortable replying by text or calling them back. However, I also do not want them to falsely report me to credit bureaus for debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: U.S. BANCORP
State: WI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX, # XXXX US DEPT .OF EDUCATIO, # XXXX DPT ED/XXXX, # XXXX XXXX XXXX has violated my rights. 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 2022-05-19 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: SUNRISE CREDIT SERVICES, INC
State: WI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account # 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 has violated my rights. 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 explanation
Consumer complaint received 2022-05-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone stole my unemployment benefits off my Bank of America card. I faxed in a fraud report, a police report, a copy of the mailbox replacement report from my apartment complex manager an XXXX report my California drivers license and a edd fraud report along with a detailed email with dates included of all details and time frames of the situation at hand and nothing has been resolved. Ive been at this for almost a year. I first filed the police report XX/XX/XXXX and I finally was able to log back in with the help of boa and see the damage being done to my account and see what forms and documents I would need to prove the facts. By the time I obtained everything needed and filed my first claim which was XX/XX/XXXX all my claims were being denied within weeks and days of the claims Being opened without reason besides the dates being old which was due to Bank of America not giving me the proper information needed to present the situation properly. I find it unfair that I filed for unemployment for XXXX XXXX for my daughter and she is now XXXX and still no resolution or help with fixing the issue at hand. Its been a long journey and I just want matters fixed in a timely manner its already been months.

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 2022-05-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Wow. This is the second time I have tried to request help concerning my student loans. 
I am currently going over my credit report and I found out that my student loans are not reporting correctly. We are still under the Extended Forbearance On Student Loans. All my loans are still reporting wrong on all my credit reports. I have an unverified account from XXXX # XXXX. This account has to be a mistake or error I have never lived in Indiana nor have I gone to any College or Institution in that state. My current and only address : XXXX XXXX XXXX XXXX XXXX, XXXX KENTUCKY XXXX. I have a few other errors as far as my addresses please delete the following addresses they do not belong to 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 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX ASST # XXXX has violated my rights. 

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. They have also illegally re-aged my debt.

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 2022-05-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX ASST # XXXX has violated my rights. 

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. They have also illegally re-aged my debt.

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 2022-05-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX account # XXXX, has violated my rights. 

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 2022-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Report act XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX # Acct XXXX has violated my rights. 

15 U.SC 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 section 601 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 2022-05-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Report act XXXX Account # XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXXXXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX # Acct XXXX has violated my rights. 

15 U.SC 1681 section 602 A. States I have the right to privacy.

15 U.SC 1681 section 601 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 2022-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
A credit card account with XXXX Avant LLC was fraudulently opened in my name and the credit card company customer service has been horrible trying to get this issue resolved. Avant is telling me I have to wait 5-7 business days for the fraud department to contact me before an investigation can be done and account can be closed. When I first reported the fraud, they recorded a wrong email address and now I have to wait an additional 5-7 business days for the fraud department to contact me because of their mistake. When I reported the card being fraudulently opened on the day the identity theft applied for it, the company still mailed the card out to the fraudulent mailing address 2 days later. The company has not even assured me that this account has been frozen so that it can not be used. Avant was so fast to mail out this card even as I reported fraud on the first day of it happening but they are so slow at getting back to me to getting this issue resolved and account closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting actt the list of accounts below has my federally protected consumer rights to privacy and confidentiality under 15 Usc1681 XXXX XXXX account # XXXX in the amount of {$440.00} XXXX account XXXX XXXX amount {$510.00} XXXX XXXX  account # XXXX amount {$910.00} XXXX XXXX  account # XXXX amount {$20.00} XXXX XXXX XXXXXXXX account XXXX XXXX amount XXXX 15 U.s.c1681section 602A States I have the right to privacy.

15 U.S.C 1681 section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 US.C1681c. ( a ) ( 5 ) Section states : Section states no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedatesnthe 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. I havent given any written instructions or consent

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 2022-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
A collection for {$930.00} ( original {$700.00} ) popped up on my credit report on XX/XX/22. The creditor is Wakefield & Associates with the original being XXXX XXXX. I do not now nor have I ever owed XXXX XXXX {$700.00} or {$930.00}. I have disputed this twice via XXXX and I am waiting on XXXX dispute process. They have provided zero proof that it is in-fact my debt, and I have not previously received ANY correspondence regarding this debt by mail, phone, email, messenger pigeon , smoke signal or otherwise. It just showed up on Sunday. As if to say surprise! You owe us because we bought a debt you never owed but someone said you did and we dont care so well ruin your hard earned credit and attempt to extort and steal your money. The burden of proof falls on them.

Plot Twist : My now deceased father - who died shortly after the time that this debt originated- was a Grade A XXXX XXXX XXXX  that had a love of using my name and social security number whenever he saw it convenient for his own purposes and was constantly in and out of the hospital due to his failing health, drug abuse, and compounding poor decisions. Including countless ambulance transports. I spent years cleaning my credit up because of his dumpster fire of a life. A simple public search will reveal his and consequently my aliases as one anothers names. BECAUSE of him. Its something Ive fought for most of my adult life. And I refuse to pay for his mistakes, his garbage, and his decisions. This is abuse, extortion, theft, and a number of other abhorrent practices that Id be more than happy to elaborate on when given the opportunity to in a court. It is beyond predatory because there is no real way for me to prove that its not mine because it never existed for me. There was no documentation. Which would make sense BECAUSE ITS NOT MINE. So why would I have documentation of any kind for a surprise negative remark for a collection that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX XXXX Balance : {$49.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$3000.00}, XXXX  XXXX Balance : {$13000.00}

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 2022-05-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2022-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NY

Complaint narrative:
The company claims its 100 % money back guarantee if the product doesnt work. They refused to give me back my money even thought I went through the proper steps. The lady was rude and unhelpful, refused to put me in touch with anyone. I distributed it with my XXXX  card, it was XXXX to be exact. XXXX granted me back my money. Still not sure how they were able to put it on my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation