vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-16 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX, and my XXXX is XX/XX/year> Address XXXX XXXX XXXX XXXX Il XXXX Employment : XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX/ TD Bank {$330.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over XXXX security breaches and my info has been exposed. 

I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last XXXX yrs. MY RIGHTS WAS VIOLATED and not followed through. 

This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. 

When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. 

The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. 

The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. 

The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. 

I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Despite making the payment on time, it was incorrectly recorded as late due to a processing delay on the creditor 's part. I have attached copies of my bank statements that clearly show the payment was made before the due date. 
Evidence provided : Bank statements showing timely payment. 
Correspondence from XXXX XXXX confirming the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the accuracy of information thats on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report.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

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 2024-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Receivable Solutions LLC
State: SC

Complaint narrative:
I am attaching a document I received in the mail on XX/XX/XXXX from XXXX XXXX XXXX XXXX. This was a medical bill from XX/XX/XXXX. Yet the phone number to call of which I did is for Receivable Solutions in XXXX, SC. This bill went into collections with the Receivable Solutions debt collector 10 years ago. 


The letter is a little alarming because it has XXXX entities requesting my personal information to include my social security number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and possibly Receivable Solutions. The way I am reading the attached document. I am not disclosing my social security when this is all a bit confusing for me. 


I called Receivable Solutions out of XXXX twice yesterday and received different information on both attempts. They stated it was closed out. Another stated that they are collecting again because in XXXX XXXX  XXXX XXXX XXXX paid them around {$200.00}. I stated the statute of limitations in SC is 3 years. Receivable Solutions stated that since XXXX XXXX XXXX XXXX paid in XXXX to them, it starts all over again for them to collect. Please note XXXX is now 5 years since XXXX Dept Paid . This is not accurate for them to go back collecting? Given the XXXX statute of limitations is 3 years. 

I have lived in and out of XXXX XXXX during the course of many years as XXXX XXXX is where most of my employment has been and that being mostly my home state. 


I went on to explain to Receivable Solutions that I am XXXX yrs old and retired at XXXX on the lowest of Social Security {$1000.00} a month. I do not own anything ex : home, car etc. I live with my family on a fixed income, paying my medical/dental premiums and other established bills. 


I am seeking your expedited professional help on this matter to get clarity on the confusion of this situation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: KS

Complaint narrative:
I have a Robinhood account and I had been locked out of XXXX so I called the supposed number for customer service. I spoke to them and they remoted into my phone and proceeded to try to use my Robinhood account to buy XXXX. Saying they where doing this to verify me and to make sure nobody was using my information to commit fraud. As soon as I realized what they where doing I hung up and stopped them. But not before they bought bitcoin and tried transferring it to another account. My account is now restricted on Robinhood with {$970.00} in my brokerage account I can't transfer back to my checking. I attempted several times to get into contact with an associate at Robinhood. They keep sending me the same message saying they are working on my account and will contact me the next day. This has been going on for XXXX weeks. They will not contact me or unrestrict my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX I spoke to the creditor because it was a closed account that showed a ballance so I made a deal with them to pay a lower amount and they would except it and call it closed and showed a XXXX balance. I paid the money and got a letter that said it's paid and it showed correctly for 2 months on my credit report and then for XX/XX/year> it showed as being a closed account but it said I had a 30 day late payment of XXXX dollars of the balance that they said would be expunged. I have a letter that says it's paid as per our agreement so I called the credit company and they said they didn't report it and they can't do anything about it. This brought my credit score down XXXX points in XXXX swoop. I did the right thing and now they need to do the right thing and take it off my report!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NC

Complaint narrative:
Sent the money on XX/XX/XXXX. It was supposed to be an instant debit card transfer. I followed up to say it was not delivered and they said to wait 72 hours. The recipient didnt get anything. Followed up again on XX/XX/XXXX. They said it shows delivered. They said they would investigate. They sent an email XX/XX/XXXX saying the money was delivered and they will send transaction id from XXXX XXXX and they are closing the case. I never received the confirmation nor the money back. Checked with recipient and was not received. On XX/XX/XXXX, I emailed video of recipient bank transactions and to ask for a refund. Called also to follow up. They still claim it was deposited but it was not and telling to wait for another call back. I managed to send money another way and just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: UT

Complaint narrative:
During the process of purchasing my vehicle, I found myself in a high-pressure situation that led me to sign the financing paperwork with Credit Acceptance. As someone with limited credit history, my options were constrained, and I felt that I had little choice but to proceed with the financing terms presented to me. Unfortunately, I was not fully informed about the details of the loan, and I now realize that I was provided with misleading and incomplete information during the signing process. 

Specifically, I later discovered that a rebate charge was added to my loan without my knowledge or explicit consent. At the time of signing, this charge was never clearly explained to me, and I was not made aware of its impact on my overall loan amount. I feel that this was a significant oversight and that I was not given the opportunity to fully understand the financial implications of the agreement I was entering into. 

As a result of this undisclosed charge, my ability to trade in my vehicle has been negatively affected. The additional charge has inflated my loan balance, making it difficult for me to move forward with any trade-in options. This situation has created financial stress and has left me in a position where I am burdened with a loan amount much higher than I had initially anticipated. 

I believe that I have been treated unfairly and misled in this transaction, and I am seeking resolution for the added charges that were not disclosed to me. I request that the Consumer Financial Protection Bureau investigate this matter and assist in rectifying the situation, as it has severely impacted my financial well-being.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a few days late on my car payment the car loan company took the car without notifying me on their end it said that I was 2 months late but I was only 12 days late and I paid the repossession fee to get the car back and now it show as of yesterday that there is a repossession on my record which I want that removed ASAP!! I have my car back

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 2024-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-16 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:
XXXX, and Experian have inquiries on my credit reports that I have not authorized. XXXX XXXX XXXX/XXXX/2024 XXXX XXXX ) XXXX XXXX XXXX XXXX/XXXX/2024 ( XXXX ) XXXX Experian reports show an inquiry for XXXX XXXX XX/XX/2024 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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I want to remove these names and addresses. These names do not belong to me and the addresses I've never lived at these places listed. 

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 VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DE 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 2024-09-16 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: MI

Complaint narrative:
In violation of 15 USC 1666b, this company is maliciously reporting false late payment information to my alleged consumer report ( s ). According to Federal law, no creditor may treat a payment on a credit card under an open end credit plan as late for any purpose. Pursuant to 15 1605a, the finance charge is the sun of all charges in an open end credit plan. This means the account is prepaid.

15 USC 1681a concludes that a consumer report shall not include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In violation of 15 USC 1666b, this company is maliciously reporting false late payment information to my alleged consumer report ( s ). According to Federal law, no creditor may treat a payment on a credit card under an open end credit plan as late for any purpose. Pursuant to 15 1605a, the finance charge is the sun of all charges in an open end credit plan. This means the account is prepaid.

15 USC 1681a concludes that a consumer report shall not include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In violation of 15 USC 1666b, this company is maliciously reporting false late payment information to my alleged consumer report ( s ). According to Federal law, no creditor may treat a payment on a credit card under an open end credit plan as late for any purpose. Pursuant to 15 1605a, the finance charge is the sun of all charges in an open end credit plan. This means the account is prepaid.

15 USC 1681a concludes that a consumer report shall not include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2024-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit score is very low due to identity theft. I have multiple accounts on my credit report due to be fraudulent accounts. Ive been reaching out to Equifax about this matter and they continue to ignore me. Ive been having trouble buying a house because my credit score is very low due to Equifax not deleting the accounts, which I asked them to do. This is an inconvenience to my life if I didnt have family members to support me I would be living on the streets, thanks to XXXX I have a roof over my head for the moment. Ive sent Equifax multiple documents, such as my ID, Social security card, FTC report, Police Report, Multiple Dispute letters, also laws stating that they are violating my rights. Between XXXX XXXX they deleted the closed the accounts for good and a few days later they reappear back on my credit report! Equifax is giving me a hard time to delete the accounts. Ive since then took legal action to file a complaint and lawsuit with Equifax my lawyer has set everything up for me to do so. This is my last time reaching out to Equifax for this matter Im taking Equifax to court. Due to many laws my lawyer has taught me that Equifax arent doing their job its multiple inaccuracies on account they are not reporting the right information! Hopefully they can get it together and delete the accounts before I pursue the issue. I just want the accounts the deleted that I asked for. Also on my other Credit reports these accounts where deleted by other credit bureaus. This is an inconvenience to my life right now I just want these items deleted!

Company response to consumer: Closed with explanation