vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-15 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: DISCOVER BANK
State: FL

Complaint narrative:
Discovery by Discover company. Without my consent and Hyppa law somehow they ran my credit report for a personal loan by discovery. Therefore I want that to be immediately removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$1400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I attempted to transfer from my Robinhood account to my bank account. These funds are shown as available via their site however when I attempted to make the transfer it said that withdrawals from this account have been disabled to this bank account. Note this bank account has had a monthly automatic withdrawal from my bank account into Robinhood for almost the last year. 

I immediately contacted Robinhood support to get this issue resolved. At this time only email support is offered. I received an automated message that I would receive a response in 1-3 days which did not occur. Instead, I received another automated message asking if I wished to keep my ticket open, despite responding yes my ticket was closed. I opened an additional ticket on the XXXX in response to this which I have not heard a response to as well. 

Gaining access to my available funds is critical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, 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:
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I recently disputed this information several times with Experian and the Auto Lender. Experian will put only what the creditor tells them and this needs to stop! Thanks to your website the late payment was disputed and resolved. 25 of the 30 pts taken on my credit score were given back due to the lender admitting that I should have never been marked late. Somehow this late payment is showing up once again on my credit report. It's not that Experian didn't know this. They were in the complaint I made with you and the Auto lender so why have they gone back and changed my credit score again??? I am so sick of this! This makes no sense! I submitted this complaint on XX/XX/2021 COMPLAINT ID XXXX You will see this matter was resolved and now the Credit Bureau is saying they don't have to deal with duplicate disputes and they went back and changed the information even though I had a letter in writing stating they should never have marked it late.

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 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

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 Equifax was XX/XX/XXXX, 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 proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 TransUnion was XX/XX/XXXX, 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 proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2021-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp
State: PA

Complaint narrative:
On XX/XX/2021 I applied for a loan through XXXX XXXX. I received an offer from Lending Club. On XX/XX/XXXX I received an email from Lending Club stating my loan had been funded in the amount of {$32000.00} and payments were sent to my creditors. Because I saw this email after hours I had to wait until Monday to call them. When I spoke to them, I told them I wanted to loan cancelled as I had neither received or signed any paperwork on the final terms. The paperwork they sent me was in the same email as the email telling me the loan was funded, but it was all blank. I was told the loan would be cancelled. I also received an email stating it was cancelled. A few days later I noticed one of my creditors had been paid off. I again called and was told the loan had been cancelled. I asked to speak with a supervisor but no one was available. I requested a call back to discuss and have yet to receive one. I called back again and requested a copy of the promissory note and disclosure be sent to me. They advised I could log in to my account and get it. I informed them it is blank and that I had not ever signed anything. At this point all the creditors have been paid off. They then told me it would be my responsibility to call the creditors and have the money sent back to the loan company. I do not believe I should be responsible for a loan I never agreed to or signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: Capital Accounts, LLC
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is concerning excessive fees by TD bank. Since XX/XX/XXXX TD Bank charged me XXXX dollars in overdraft fees alone! I complained to them due to the following facts. 

They charged me XXXX dollars on XX/XX/XXXX for three withdrawals that I was forced to do in three separate transactions .... 

They also charged me on XX/XX/XXXX XXXX dollars for a check, a credit payment and a withdrawal. All of which occurred after I already had a positive balance. They claim that it already came through in the system but it just didn't show ... .. 

Thy also charged me other charges such on XX/XX/XXXX XXXX dollars and other individual charges for a total XXXX dollars just in overdraft fees. 

These charges are excessive!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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 — Investigation took more than 30 days
Company: AES/PHEAA
State: PA

Complaint narrative:
I took out a loan through XXXX  XXXX, they have AES servicing my parent loan for my daughter. The problem is my loan documents state XX/XX/XXXX at my start date to start paying interest. They somehow say they have another loan document that I did not sign or ever see when I had called showing it was to start I believe XX/XX/XXXX. I only found out when I started getting emails on XX/XX/XXXX that I have a negative mark on my credit report it was showing over 70 days past due. How can I be past due when interest payment were to start on XX/XX/XXXX. I never received any bill in the mail that anything was ever due. I also never received a voicemail about a late payment. When I had called they told me I was signed up on electronic statements. The lady I spoke to didn't know how I was signed up for electronic statements when I didn't or couldn't even create an online account. I couldn't at the time after I found out about late interest payments create an online account because somehow they had my last name as my maiden name instead of my married name. I sent a letter to them and received the response back that they will not correct my credit. I feel they charged me interest payments that were not due at the time. It was stated that 60 days from the loan that interest charges were to start.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: OH

Complaint narrative:
Collection item reported on credit report. Attempted to dispute via credit reports AND also contacted the collection agency as this debt is not mine. The collection agency has not answered the phone every time that I have called to dispute item. According to what is reported, the name of the collection agency is listed as CONSUMER ADJUSTMENT CO, XXXX XXXX XXXX, and XXXX XXXX XXXX. They are stating I owe XXXX dollars from a loan taken out in XX/XX/2020. I have not taken out a loan with these companies in XXXX or any part of 2020. The address of this company is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and the phone number I have attempted to call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
In 2016 my company had bought a new XXXX  and XXXX  for me through the service provider " XXXX ''. My job shortly after relocated me to south Texas and my service wasnt great at all so I called and called and finally got XXXX  to accept me to return my XXXX and XXXX so I could go get another provider that worked better in the area. I did that and then a year later they hire XXXX XXXX XXXX! They have done nothing but harass me and called me names and lied about the balance which went from {$750.00} dollars to {$1500.00} somehow. I have tried many times and was patient but we have an attorney who asked us to file this and we will be in touch.

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 2021-02-15 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: ERC
State: KS

Complaint narrative:
In 2016 my company had bought a new XXXX  and XXXX  for me through the service provider " XXXX ''. My job shortly after relocated me to south Texas and my service wasnt great at all so I called and called and finally got XXXX  to accept me to return my XXXX  and XXXX so I could go get another provider that worked better in the area. I did that and then a year later they hire ENHANCED RECOVERY SERVICES! They have done nothing but harass me and called me names and lied about the balance which went from {$750.00} dollars to {$1500.00} somehow. I have tried many times and was patient but we have an attorney who asked us to file this and we will be in touch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I recently disputed this information several times with XXXX  and the Auto Lender. XXXX  will put only what the creditor tells them and this needs to stop! Thanks to your website the late payment was disputed and resolved. 25 of the 30 pts taken on my credit score were given back due to the lender admitting that I should have never been marked late. Somehow this late payment is showing up once again on my credit report. It's not that XXXX  didn't know this. They were in the complaint I made with you and the Auto lender so why have they gone back and changed my credit score again??? I am so sick of this! This makes no sense! I submitted this complaint on XX/XX/2021 COMPLAINT ID XXXX You will see this matter was resolved and now the Credit Bureau is saying they don't have to deal with duplicate disputes and they went back and changed the information even though I had a letter in writing stating they should never have marked it late.

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