vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-12 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: MO

Complaint narrative:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX  XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$640.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022

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 2022-11-12 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: MO

Complaint narrative:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
EVERY time I make a payment to this company I do not receive credit for at least a week. I want to know why this is the case. I also want the company 's answer to be posted HERE. I do not want to have to go a website of THEIR choosing. 

I have continuous problems with this wretched company. And I want the problems to STOP. I fulfill ALL the requirements and I EXPECT them to as well.

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 2022-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Im reaching out concerning Experian Credit Company disputing a concerning incorrect collections report on my account. Despite me clarifying this fraudulent Experian has repetitive, deny my reported dispute of this falsified collection claim. At first I wasn't sure where it came from until they listed the date of the original accounting information. I've tried to rectify this issue on multiple occasions. At that time I was able to provide XXXXXXXX XXXX XXXX with verified and legal documentation of concerning the police reports that was on my behalf, also enclosed were a photo of my injury, as well as details documents addressing that XXXX XXXX XXXX XXXX XXXX XXXX all in one night. All financial banking information, banking cards, with my grandmother unreplaceable designer purse. This included everything that I worked for within those two weeks in which was {$760.00} dollars, along with other valuable items that was stored in my purse that evening. 
I'm not sure of the reason why after all this years that a collection company known as XXXX XXXX XXXX had issued me a collection debt. Concerning a well documented local televised criminal investigation in XXXX. Because, I will still able to provide this corporations XXXX XXXX XXXX and XXXX XXXX with the original police report from my attack on this case has been resolved, closed this includes the credit company XXXX and XXXX as well. I was able to clear up this issue with both companies in XXXXXXXX XXXX XXXXXXXX. Debt Buyers on behalf of XXXX XXXX XXXX XXXXXXXX card company. 
Accurate account number XXXX Account type Debt Buyers on behalf of XXXX XXXX XXXX XXXXXXXX card company

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 2022-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Genesis Financial Card Services website for Indigo is not registering payments in a reasonable amount of time and charging late fees even when payments are made early. My complaint is that the Indigo Card website serviced by Genesis Card Financial Services does not register customer payments in a reasonable amount of time. The customers credit card payment does NOT reflect in payment history or transactions after the payment is made. It does not show within XXXX hours either. As of today ( XX/XX/22 ) - my Indigo Card payment that I made on the website XXXX days ago for the entire balance ( {$290.00} ) is still not showing as made ANYWHERE on the Indigo website. I made a payment at XXXX on Thursday XX/XX/22 ( paid entire Indigo balance in full {$290.00} ) and as of today - XX/XX/22 - the indigo website shows NO PAYMENT made- even though I received a payment email confirmation from Indigo on XX/XX/22. The website shows today ( XX/XX/22 ) my payment is late! I received an email today from Indigo also saying the payment is late and not received. ( Conflicting with the previous payment confirmation email I received on XX/XX/22 from Indigo ) The minimum payment for my Indigo card was due XXXX I made the full balance payment ( {$290.00} ) on XX/XX/22 at XXXX ( Thursday - a business day ) and I received a late fee today XX/XX/22 and my statement closed showing no payment was made. I made the payment XXXX day before the due date ( on a Thursday ) and it does not show on the payment history today ( Saturday- XXXX days later ) - and now shows late on the website as of XX/XX/22. I do have the email from Indigo on XX/XX/22 showing they did receive my payment {$290.00} at XXXX. I also have an email from Indigo today XX/XX/22 from saying they did not receive a payment and its late. This is a HUGE issue! And they charged me a late payment charge! I complained previously to CFPB and Genesis Financial Card Services responded that this did not happen.. its happening again!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: GA

Complaint narrative:
Ive disputed several times for XXXX collections to be removed from my Equifax credit report because the collections were removed from my XXXX XXXX XXXX account already. XXXX # XXXX amount was {$120.00}. XXXX # XXXX amount was {$210.00}. XXXX # XXXX amount was {$73.00}. I cant remember exact dispute dates, but I remember making XXXX dispute in XXXX of XXXX and it took over XXXX days for the investigation to be completed. After that was another dispute XX/XX/2022 and my wishes still werent granted even after I told them the collections were removed from my other credit bureaus credit reports months before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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 XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open and consumer credit plan for any purpose

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 2022-11-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received an alert from my XXXX credit monitoring and again I see that on my report there's another charge on here from XXXX XXXX, for the amount of {$200.00} and they're stating is 60 days past due XXXX and XXXX I have never done business with this company I do not know who they are on XX/XX/2022 with XXXX XXXX XXXX XXXX online we spoke to XXXX from Experian we were on the phone for at least a good XXXX minutes and she could not find any information about me nothing much what I gave her now XXXX does their investigation and stating that everything is correct they are liars because I have a case against Experian for their breach of information I want Experian to stop having anything with my credit information I want them completely blocked frozen out this is not right this is the second time I'm doing this with the same company

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 2022-11-12 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open and consumer credit plan for any purpose

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 2022-11-12 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: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open and consumer credit plan for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: OK

Complaint narrative:
This complaint is regarding Experian credit reporting agency only. 

A new collections report submitted by a collections agency posted to my account in past week. The account is reported as a credit account but is not a credit account. The collections account is a utility XXXX XXXX. XXXX does not report accounts to credit reporting agencies but reports unpaid accounts as collections that violate Fair Credit Reporting laws regarding utilities.

I disputed the utility reported to my Experian account however Experian 's lax dispute process did not address the fact the account is not a credit account but a utility account. Within 24 hours of disputing a utility account on my Experian account the account was held to be valid although utility to companies do not report accounts. Also, Experian does not make CFPB complaint results available to consumers and instead refers consumers to it's Dispute Resolution Center which refuses to provide requested information.

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 2022-11-12 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: WI

Complaint narrative:
I am a victim of identity theft. I contacted Equifax because there were items ( hard inquiries ) on my credit file which were not mine. They were the result of another person trying to obtain credit in my name using my information. These hard inquiries are bringing down my credit score and I wanted them investigated because I know they were not mine. I asked Equifax to investigate and send me copies of authorization with my signature because I wanted proof that I authorized specific companies to pull my credit report. I submitted my dispute on XX/XX/2022, and they closed out the dispute in less than 24 hours stating they would not remove the items that were fraud. I feel they didn't even investigate because that was XXXX XXXX and most businesses are closed on XXXX XXXX. How could they have time to investigate and obtain copies of my signature in that short time frame. I sent them many documents including a police report that shows there were three instances for sure where someone tried to obtain loans and credit cards in my name. They refuse to remove these items from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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: CA

Complaint narrative:
When we struggle its often because we can not obtain credit as you people and this particular instance we believed derived from the XXXX breach. in 2018 I received notices og being placed on the dark web.and XXXX 's paid watchdog service told me my information had been leaked on the dark web and not days later did my cards go to default status over the next XXXX. I let all three CRA 's know about XXXX accounts that where completely unbeknownst to me I had filed an FTC Identity thetf. nearly 4 years later I am still sitting here with the same disputed items all related to id theft and Ive wasted 4 yers as a single parent struggling. FCRA laws including rule 605b and [ Codified to 15 U.S .C. 1681 note ] These accounts should be blocked : XXXX {$4600.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX  {$1200.00} :.

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 non-monetary relief
Consumer complaint received 2022-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Yesterday, I visited XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX in order to buy a bed with my XXXX Credit Card provided by XXXXXXXX XXXX. I am not a first time customer here at XXXX, the short name of this store, and I simply informed the sales rep, I have a credit at this store in the amount of {$6000.00}, as the included images from the XXXXXXXX XXXX XXXX Credit Card clearly show. But, the sales repXXXX said because I didn't showed the credit card, he understood I was talking about other credit option with XXXX and proceeded with my purchase as a loan application that I never mentioned or talked about. I understood that after saying the XXXX dollars credit I have with XXXX, it was easy to understand I was speaking about their credit card. The sales representative did not understood this way and proceeded to make a hard inquiry for a new loan.

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 2022-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
Robinhood was made aware of several problems in a previous complaint made to the CFPB which they did not address. In their previous answer, they post the blame primarily on me that it was my fault that I got angry and that they're not in any way at fault for lying to me or closing out my positions and turning the unrealized losses into realized ones. There have been serious misappropriations with my money as a client with Robinhood and their defiance to tell the truth about what happened and put the blame on me because I lost my temper when they decided they were going to kick me off their platform after leading me to believe everything was okay is unacceptable. 

Then they also have the nerve to say that after losing me a ton of money in realized losses that they initiated that eventually I was able to liquidate my cryptocurrencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I called to speak to an agent to fix the problem, I also sent certified letters and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

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 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 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 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 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 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 2022-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
RPM, LLC added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan BOTH are FDCPA violations! RPM, LLC put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the MI XXXX of XXXX that they are registered in Michigan which is also against the FDCPA! I request that verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If RPM, LLC is unable to provide the above identifying account information, this account must be deleted from all CRAs. RPM, LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation