vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 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: GA

Complaint narrative:
XXXX, XXXX, and Experian are all reporting my XXXX XXXX XXXX loan as XXXX late payments and charged off. That is incorrect.

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 2024-06-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Not my account Affirm XXXX XXXX Not my account Regional acceptance XXXX Account never late XXXX XXXX XXXX XXXX {$260.00} Account not mine XXXX XXXX XXXX {$250.00} Account not XXXX XXXX XXXX XXXX account number N/A {$4200.00} Account never late XXXX XXXX XXXX {$600.00} Account never late XXXX XXXX XXXX {$2300.00} Account never 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 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX : XXXX, XXXX : XXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It has been brought to my attention that you are NOT removing items when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA, if you choose to not remove the following items listed below which are reporting inaccurately due to misrepresentation in my credit report, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are inaccurate & were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 -- XXXX XXXX -- -- -- -- TransUnion XXXX XXXX XXXX XXXX AZ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4600.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to E-OSCAR or any means of automated verification.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
It has been brought to my attention that you are NOT removing items when theyre sent with an FTC report. Since it is a requirement by law 605b of the FCRA, if you choose to not remove the following items listed below which are reporting inaccurately due to misrepresentation in my credit report, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are inaccurate & were opened without my consent or knowledge : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4600.00} -- -- -- -- -- -- -- Equifax : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4600.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$4600.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from a faulty credit reporting. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all ran my credit without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
I received a letter from XXXX and XXXX XXXX that my personal information was breach and there are inquires on my credit report that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under section XXXX of the Cares Act, Section XXXX ( a ) ( XXXX ) ( f ) ( I ) States between XXXX XXXX to XXXX XXXX that pursuant to the accommodation of the COVID XXXX Crisis, the furnisher shall ( I ) report the credit obligation or account as current. The payment on the following account showing late as a status are in violation of my consumer rights under the XXXX XXXX. Please update The status of these to reflect current XXXX. ) XXXX XXXX  {$200.00} XX/XX/XXXX and XX/XX/XXXX to current XXXX. ) XXXX XXXX XX/XX/XXXX to current This is also a violation of 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have never received mailed notices XXXX days before the due date of any payments and if you are unable to provide tracking that I was in fact mailed this notice its a violation of my rights

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 2024-06-03 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. XXXX parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( XXXX ) from all three credit reporting agencies due to the violations : THE BEST SERVICE CO/CA - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

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 2024-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I purchased wind and hail insurance for my home on XX/XX/year> from XXXX  XXXX XXXX XXXX through USAA. On or about XX/XX/year>, I received a cancellation notice for the insurance with a cancellation date of XX/XX/year>. The reason for the cancellation was required XXXX photos of the front and rear of the insured location have not been submitted. I was never told to submit photos of my home when I purchased and paid for the insurance. I called USAA on XX/XX/year> and inquired about the cancellation. I was told to submit the photos to an email address at USAA ( XXXX ) I submitted the photos on XX/XX/year> to the email address and I have sent XXXX additional emails to that same email address asking for verification of receipt of the photos. I have not received a response from USAA. I can not afford for this insurance to be cancelled and the mortgage company to force place expensive insurance on my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/2024, I receive correspondence from Robinhood regarding my account and their decision to close them and the Investment relationship along with that same email the communicated that the remaining funds would be returned within 15 business days of that decision. Fast forward to today, five months later, I have still not received the remaining funds in the accounts, and Robinhood has been absolutely no help in finding a resolution to whatever is keeping them from sending me the money. I have asked them to contact me via phone call and have been ignored. Ive asked them to email me and have been ignored. Ive asked them to provide a solution to this problem and have been ignored.

I filed complaints with the FINRA and XXXX XXXX XXXX Bureau and neither complaint made a difference to Robinhood and they have chosen to continue to ignore my attempts to resolve this. 
Ive communicated that I have documentation to verify the validity of remaining funds in my accounts multiple times via email and have sent countless requests and emails via their application and directly to their support team via emails and have been ignored and refused assistance. Ive tried providing the documents I have for them to review and release the funds they have held without my authorization for the last five months.

Robinhood refuses to provide a way for me to submit the documents and notarized letter to verify the funds in my account. 
I have never experienced something so difficult and impossible to deal with, they ignore and refuse to answer questions or requests for a phone call. 
Its been the worst experience with a company Ive ever had. They should be put out of business. Ive suffered so much due to their negligence and willful ignorance, the financial sets backs Ive suffered along with the emotional and metal stress Ive been under due to their poor customer service and criminal negligence is insurmountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by Lyons, Doughty & Veldhuis, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by Lyons, Doughty & Veldhuis , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand Lyons, Doughty & Veldhuis, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements.

**Unlawful Debt Collection Practices in New Jersey** It has come to my attention that Lyons, Doughty & Veldhuis , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax and XXXX data breaches, and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I have contacted each bureau and identified my information, yet they have not been willing to remove these accounts like I have asked. I need these fraudulent accounts removed EXPEDITIOUSLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
On XX/XX/year> ; I faxed a debt validation to this company and never received a response. Since it has been more than 30 days, I'm requesting this alleged debt ( account ) be deleted from my credit report and all collection activities stop. In addition to filing a complaint here, I've also faxed the attached documents to the company again and provided a fax confirmation receipt dated today XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account Regional acceptance XXXX Account never late XXXX XXXX XXXX XXXX {$260.00} Account not mine XXXX XXXX XXXX {$250.00} Account not XXXX XXXX XXXX XXXX account number N/A {$4200.00} Account never late XXXX XXXX XXXX {$600.00} Account never late XXXX XXXX XXXX {$2300.00} Account never 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 non-monetary relief
Consumer complaint received 2024-06-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXXXXXX Not my account XXXX XXXX XXXX Account never late XXXX XXXX XXXX XXXX {$260.00} Account not mine XXXX XXXX XXXX {$250.00} Account not XXXX XXXX XXXX XXXX account number N/A {$4200.00} Account never late XXXX XXXX XXXX {$600.00} Account never late XXXX XXXX XXXX {$2300.00} Account never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Please remove the inquiries from my credit reports 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 response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: CITIBANK, N.A.
State: MO

Complaint narrative:
While trying to apply for loan I realized an account was on my credit report that was delinquent. I was only an authorized user of this now closed ( charged off ) account. I do know the owner of the closed account, but this person was no part of my loan application, and they did not have permission to check that credit report. The account information should not have appeared on my report at all. Because this appeared on my account, I believe I was denied a loan that I should have had no problem getting. The only credit report they had permission to use was mine. All three credit bureaus used the 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 non-monetary relief
Consumer complaint received 2024-06-02 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2024-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My daughter and I called Citi bank today around XXXX XXXX  ET to discuss options available to avoid defaulting on my credit card. Due to my health drastically declining, I am unable to work full time. This has resulted in a substantial loss of income. I am still current on my accounts but will not be able to make the payment in XXXX. Citi bank would not discuss or offer payment assistance because I am current on my account. When I asked to speak with a manager, they told me no managers are available on Sunday but I could speak with another agent. I said I would like to speak with another agent and she said to hold, then the line was disconnected. She also refused to speak with my daughter, who is helping me and I gave verbal consent for her to discuss my credit card situation with my daughter.

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