vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: KY

Complaint narrative:
Equifax Legal Department Account Name : NEBR  CHILD SUPPORT XXXX  Account Number:XXXX  Date : XX/XX/XXXX RE : Delete immediately in current litigation for Fraud. 
I rescind and revoke any and all authorization signatures previously given to NEBR CHILD SUPPORT XXXX  to share, transfer, assign and sell my private and personal identifying information to third party and non-afflitiates including CRAs. Fraud was committed on this account please remove immediately, due to pending litigation. 
Failure to comply with this demand may result in legal proceedings being initiated against Equifax and NEBR CHILD SUPPORT XXXX for fraud and misrepresentation for this account. according to FCRA 15 US1681-1 -Only can report on CRAs for ( 2 ) antedates the report by 7 years or less but opened in XX/XX/XXXX failure to comply with FCRA. '' Internal Regulations '' and " Business as Usual '' do not qualify as substantive legal defenses. However, FCRA does apply. Any attempt to malign account without a demonstrative notice of dishonor or certificate of protest will be treated as commercial slander. Only a written signed affidavit with a notarized signature will be accepted for value. I have attached Driver 's license and Utility bill for proof identity and not a third party or credit repair company. 
Thank you, XXXX XXXX XXXX Authorized Representative

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: TX

Complaint narrative:
Have tried to contact Robinhood Financial more than 10 times to resolve the situation but they take no action of substance because you can't speak to a competent human being. Apparently to save on costs Robinhood Financial has no telephonic customer help. Everything is email which has no resolution because the people who respond are looking to do nothing probably because they are low level and low paid. The email names responding by email from Robinhood incude XXXX, XXXX XXXX, XXXX and The Robinhood Team. They are incapable of resolution. Every email to Robinhood Support results in a new support ticket number or case number being created. Then they want you to submit an ID & Selfie to confirm your identity. I have submitted photos of my drivers license and Selfie 's on more than 2 occasions. No response. At present I have 4 cases with Robinhood Financial support. The case numbers are XXXX, XXXX, XXXX plus the most recent XXXX. Robinhood Financial needs to pay a hefty fine to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: FL

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. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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. 
15 U.S.C 1681c. ( a ) ( 5 ) 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 antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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 would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA 623. If credit bureau have no proof inmediately of any, I would like it removed inmediately from my credit report. Please remove any information the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ) credit bureau must complete this reinvestigation within 30 days of receipt of this letter. 

The following inquiries need to be removed inmediately. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I dont know who these company 's are that are doing these inquire on my credit 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/year>

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 2024-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
My XXXX stimulus was deposited in my Chime bank or spending account.. And Chime bank sent my XXXX to a unknown person that was not me ..They let this person change my email address that was on account to XXXX I don't know or see how the would verify this person as me they would seem to have to have photo or this person stating they were me? In order to transfer to this person 's XXXX pay... when I contact them they closed my account and blocked my phonecalls and will not have anything to do with me.. this was XXXXXXXXive emailed them and trying to explain that they sent my XXXX to fraudulent person..I just got so depressed and gave up. BUT I JUST CANT LET THIS GO ..SOMEONE HAS EITHER STOLE MY INDENTY I DONT KNOW ..PLEASE HELP ME..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: IL

Complaint narrative:
I am writing a formal complaint against XXXX their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/2023, provides clear evidence of their violations of consumer rights and regulatory requirements. 

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. Again, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.

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 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I have in my possession a forensic audit of a XXXX report where the creditor ( Chase Auto ) sold my loan as a security on the secondary market and has not send me my proceeds for I'm the holder in due course per Uniform Commercial code 3-302, which I have not gave or knew as a XXXX purchaser. they are in violation of their indenture agreement, tax evasion, Securities exchange Act of 1934 and securities fraud. I have then sent the process for remedy by the Uniform Commercial Code, which have been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the credit report XXXX XXXX XXXX  XXXX, there are inaccuracies for this account across all the 3 credit report which is in violation FCRA section 1681e ( b ). Also on XX/XX/year>, I asked for certification of this account belonging to me from the XXXX credit bureaus but I was never given this certification. For this, I believe the dispute was not properly investigated which violates FCRA section 1681e ( b ). I am asking that this account be removed from my Transunion and XXXX accounts for this violation.

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 2024-03-24 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: IL

Complaint narrative:
I am writing a formal complaint against TransUnion for their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/2023, provides clear evidence of their violations of consumer rights and regulatory requirements.

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. Again, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.

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 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
loan from one main financial has a current lawsuit and inquiring if my loan was affected during this time period

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: IL

Complaint narrative:
I am writing a formal complaint against TransUnion for their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/2023, provides clear evidence of their violations of consumer rights and regulatory requirements. 

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. Again, despite raising this issue, and pointing out clear violations. I have not received any notifications regarding the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the credit bureaus, and I have yet to receive a response I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.

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 2024-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
On XXXX, XXXX after XXXX  court finalized and I stayed with mortgage, my x-wife name needed to remove from mortgage. I communicated Loan Depot and informed them about the court decision. Requested mortgage assumption to remove my x-wife name from the mortgage. They requested from me the list of the documents that including court decision with including child support evidence as income to help me out in this process. Also they mentioned that this process usually takes 60 to 90 days. I prepared every single document requested from me and sent it to Loan Depot on XXXX, XXXX with XXXX. I have waited for them to answer until late XXXX, XXXX, but never heard anything. When I communicated with representative said they received it but divorce document was missing, and requested from me to send them one more time. I prepared everything sent it one more time, but I was 100 % sure it was in the package, also questioned them if something was missing why Loan Depot waited for 90 days which assumption needs to be finalize??? I waited until XXXX, XXXX  without communication. When I communicated again they said I need to send documents again one more time for final review. When I asked representative the cost of this assumption, I have been told that it will be around {$3000.00}. I sent documents one more time. After representative came up with over {$8000.00} last minute request because of my income was not qualified, actually it was perfectly qualified because house payment less than % XXXX of my total income. But representative entered personal income and spending information incorrectly on documents that it has been evaluated. I was frustrated and unhappy about her irresponsible service and questioned her why she did not mention before about over {$8000.00} which needs some preparation. Also, I requested from representative to correct all income and spending information on my record. I questioned Loan Depot about how come FHA requesting from me over {$8000.00} for only my x-wife name removal, when my house payment is less than 30 % of my total income and property has {$140000.00} equity on it which never ever makes sense to me. No explaination given and they denied assumption. I have been told that manager XXXX XXXX will call me about situation. I called him multiple times but he kept hanging up phone to my face like making fun of me. Never call me back. 
One more thing because of I complained about representative XXXX XXXX, she made mortgage hard inquiry on my credit without my authorization and sold it to all mortgage companies around the United States. I received more than 200 phone calls since then and I still keep receiving. Unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Team Recovery Inc.
State: OH

Complaint narrative:
At this time Debt collections agency Team Recovery is reporting to the credit bureau two medical bills from XXXX XXXX XXXX that are not greater than XXXX XXXX XXXX. One is {$500.00} reportedly from XX/XX/year>. The second one is {$540.00} reportedly from XX/XX/year>. Attempt made to dispute that included requesting date of service, service provided etc as I dont have any notification of outstanding bills with XXXX XXXX XXXX XXXX When going to XXXX XXXX website and entering account number unable to retrieve details of service as it states no such account exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, which is XXXX XXXX, whether implied or explicit. Please provide me with documentary evidence of the obligors indebtedness. Documentary evidence is not a copy of statements from the original creditor, I require original copies of the consumer contract with my signature in addition to all pertinent information as applicable under law. This company is in violation of several acts and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. I will not make any or future payments to Midland Credit Management under their threat, duress, and coercion, due to the undue influence of them placing this illegal and unlawful account on my consumer report. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management continues its collection efforts, I will file for litigation for actual damages caused by XXXX, XXXX XXXX  and Midland Credit Management. They shall be liable for violations of TILA, FCRA, FDCPA, GLBA, CFPA, the XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX FTC XXXX and RICO Act. Additionally Midland Credit Management has previously attempted to take me to XXXX XXXX in XXXX  and the case was dismissed because of their failure to appear, also the statute of limitations on collections for the State of South Carolina and Kansas, where they are incorporated is 3yrs. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am unaware of this debt reporting as a charge-off on my credit report. I did not have the opportunity to dispute this debt before it was put on my credit report, which is illegal because they did not send me a proper notification. If you truly believe I was aware of this debt, please provide the certified mail return receipt with my signature, proving I received the notification. Or delete the account from my credit report immediately, as it is affecting my life a lot.

Company response to consumer: Closed with explanation