vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: IN

Complaint narrative:
I mailed letters to all three credit bureaus on XX/XX/2024. I listed all the accounts that werent mine. Im still waiting on the credit bureaus to verify the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I mailed letters to all three credit bureaus on XX/XX/2024. I listed all the accounts that werent mine. Im still waiting on the credit bureaus to verify the accounts.

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 2024-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Equity Sales Finance, Inc.
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/2024 in an attempt to get help with my tax file. XXXX XXXX XXXX charged me roughly {$4200.00} and referred me to agents of XXXX XXXXXXXX XXXX XXXXEquity Sales Finance Inc for setup of an installment loan for this amount. On XX/XX/2024 I paid {$270.00} and subsequently received a statement of denial from Equity Finance Sales Inc on XX/XX/2024. I was charged {$270.00} again XX/XX/2024. I should not have paid and subsequently be charged for payments on a denied installment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: P&B Capital Group, LLC
State: TN

Complaint narrative:
An individual called me from XXXXXXXX XXXX XXXX to collect a debt on myself and my wife. I set up a payment arrangement that ultimately failed due to a bank issue. I called back a few days later to correct the current payment arrangement and was transferred to a very rude individual who refused to set up another arrangement claiming, and I quote, You and I both know youre not going to make the payments. After pleading to set up another arrangement, he informed me that I will be charged a {$75.00} decline fee for each account plus {$25.00} per day late for each account. The total fees at the time were {$450.00} just to be able to start paying anything towards the original balance. After I told him I could not afford the fees he told me, and I quote, Good luck. He informed me that I essentially bounced a check when the original payment did not go through and that I was subject to additional fines and legal consequences for bouncing a check if though the payment was set up via debit card. He refused to accept any payment until his fees were collected so we hung up. I then called XXXX XXXX XXXXXXXX again to try to set up a payment and was immediately connected to the same rude man who immediately asked if I was seeking legal counsel. He seemed surprised when I said no and again insisted that I pay the full balance or it will be turned over for legal processing. I had to actually force a payment of {$200.00} ( {$100.00} for each account ) as he did not want to accept it. Finally he did with the statement that it didnt matter that it would still go to legal processing. After checking my bank account I noticed that the company who charged my account was P & B Capital Group LLC. I have never heard of that company, never received any communication from them, nor did this guy or the woman before him ever mention that company. I thought I was dealing with XXXX XXXX XXXXXXXX ( attorneys ) the entire time. I have voicemails and recorded phone calls to prove if needed. I would like to pursue complaints for impersonating a legal company, charging illegal fees ( daily ) and treating legal action if not paid in full. Additionally he claimed that my place of employment had been confirmed and addressed verified despite being unemployed at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
LVNV, I am seeking to send an affidavit to you all register agent and need to have your registered agents information presented to the constable to serve papers. Please provide the register agents information through this CFPB portal. Marking this complaint as a duplicate will be used to notify the civil claims court that LVNV is refusing to provide register agent information to serve paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on XXXX XXXX  with XXXX, XXXX, XXXX XXXX etc and especially EQUIFAX is so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/2024. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. XXXX is the only one that has it all 100 % correct as of this date BUT even their XXXX XXXX is completely off. Next will be a notice of suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on your reports are so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/2024. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Any public records or collections should be gone if they show via the companies validation & awareness.XXXX is the only one that has it all 100 % correct as of this date BUT even their Clarity service is completely off. Next will be a notice of suit & Remedy. This will be my final attempt and warning. Certified mail with tracking was sent as well as on-site updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: ID Analytics, Inc.
State: TX

Complaint narrative:
Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on your reports are so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/year>. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Any public records or collections should be gone if they show via the companies validation & awareness.XXXX  is the only one that has it all 100 % correct as of this date BUT even their Clarity service is completely off. Next will be a notice of suit & Remedy. This will be my final attempt and warning. Certified mail with tracking was sent as well as on-site updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX I noticed two withdrawals from my XXXX XXXX checking account made on XX/XX/XXXX for {$48000.00} and XX/XX/XXXX for {$32000.00}. This amount was all of my cash savings. I immediately called the bank 's fraud department to notify them of the unauthorized payment and the bank opened a claim XXXX. They informed me that amount was withdrawn by Citibank account with under my name so I next called them to find who made the transaction and I found that there really was a bank account in my name at Citibank. I hold a credit card account with Citibank but I never created a bank account with them. I asked to talk to the fraud department at Citibank to notify them of the fraudulent account. They said they will look into my report but refused to provide a reference number for my report. Next, I called the local police department to report the theft. XXXX. XXXX XXXX created a report for me after acquiring all the information. 

Over the last month, I was able to get a case number from Citibank and was advised that I would receive an affidavit and documentation in mail. It has been 3 weeks and no documents arrived in the mail. This account was used to commit theft on my checking account. I want to know how did Citibank authenticate the identity while account creation. Why didn't I receive any communications regarding this account in my name? How were transactions allowed with no passwords, OTP or third party authentication? Citibank had my information on their database as I hold a credit card with them. Why was the information not cross-referenced during account creation? Who holds the funds that were stolen from my checking account?

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 2024-04-20 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: MD

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on Clarity service with Experian, XXXX, XXXX XXXX etc and especially XXXX is so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/2024. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Experian is the only one that has it all 100 % correct as of this date BUT even their Clarity service is completely off. Next will be a notice of suit.

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 2024-04-20 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: TX

Complaint narrative:
Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors onXX/XX/XXXX with XXXX, Transunion, XXXX XXXX etc and especially XXXX is so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/year>. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. XXXX is the only one that has it all 100 % correct as of this date BUT even their XX/XX/XXXXXX/XX/XXXX is completely off. Next will be a notice of suit.

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 2024-04-20 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: LEXISNEXIS
State: TX

Complaint narrative:
Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on your reports are so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/year>. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Any public records or collections should be gone if they show via the companies validation & awareness.XXXX is the only one that has it all 100 % correct as of this date BUT even their XXXX service is completely off. Next will be a notice of suit & Remedy. This will be my final attempt and warning. Certified mail with tracking was sent as well as on-site updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
Over 2 weeks I transferred {$1000.00} into my Robinhood account after the account was accepted, my bank account verified any linked, IDs uploaded to their system. Account was immediately frozen. I uploaded all information again into there system including IDs, multiple bank statements, multiple selfie photos, and specific transaction PDF and screenshots of the {$1000.00} transaction listing under Robinhood. Account is still frozen with the dates in there system constantly changing with no resolution and no contact from Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
You have denied me for no reason. All reporting agencies have been notified and their response & or complaints are public record and can be viewed by using the information attached. I also contacted them via phone immediately after the denials and was told that EVERYTHING on this report across all bueros is correct and they have or will be updating information if necessary. When I tried to show proof I was told " reconsidering is not an option '' " try again in 30 days- 6 months '' " it's a final decision and the results are automated '' " there is no department that can double check ''. I have proof of everything on the reason why list being inaccurate BUT yet I can't even show it to anyone in this company because AI clearly rules it. That is illegal & unjust! I am a PRIME credit candidate and take my time, word, and finances very serious. Denying me without validated factual reason is deformation and a criminal act. I will file Suit if a reconsideration based off the attached report ( most up to date at the time of my application ) is not used in the decision process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: GA

Complaint narrative:
Zion Debt is listing a collections on my credit report. I was never contacted about this debt. It is listing XXXX as the original debtor. I have not been provided with any documents to verify that I owe this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
Collections account keeps listing past due amounts. And collections that are closed keep reporting as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PNC Bank N.A.
State: TX

Complaint narrative:
You have denied me for no reason. All reporting agencies have been notified and their response & or complaints are public record and can be viewed by using the information attached. I also contacted them via phone immediately after the denials and was told that EVERYTHING on this report across all bueros is correct and they have or will be updating information if necessary. When I tried to show proof of the errors or decision mistakes I was told " reconsidering is not an option '' " try again in 30 days- 6 months '' " it's a final decision and the results are automated '' " there is no department that can double check '' " the reason is the reason ''. I have proof of everything proving " the reason why '' list to be inaccurate BUT yet I can't even show it to anyone in this company because AI clearly rules it. That is illegal & unjust! I am a PRIME credit candidate and take my time, word, and finances very serious. Denying me without validated factual reason is deformation and a criminal act. I will file Suit if a reconsideration based off the attached report ( most up to date at the time of my application ) is not used in the decision process.

Company response to consumer: Closed with explanation