vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received an alert on my credit report from a collection company. 
This collection company does not answer the phone. 
That account is not mine and is the product of fraud. 

Account name TRANSWORLD SYSTEM INCXXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2024 Status Collection account. {$700.00} past due as of XX/XX/2024. 
Status updated XX/XX/2024 Balance {$700.00} Historical info Original creditor XXXX XXXX XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, I was notified by XXXX that my insurance was going to be canceled on XX/XX/XXXX. As a result, I replaced my XXXX policy with a new policy from XXXX, and I sent proof of my new insurance policy to XXXX requesting that they cancel my policy. However, on XX/XX/XXXX, XXXX sent me a bill stating that my insurance had lapsed and that I owed them a balance of {$810.00} because, according to NC law, XXXX can charge me for every day I do not have insurance. 

On XX/XX/XXXX, a XXXX representative sent me an email, confirming that she received my new insurance information and that my past-due balance had been removed. 

However, on XX/XX/XXXX, I received a letter from a collection agency XXXX Credit Collection Services ) stating that XXXX had sent my past-due balance to collections. When I reached out to XXXX, the representative told me that she could not help me and that I needed to pay the past-due balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Despite numerous previous written requests, the unverified accounts outlined below persist on my credit report, which is a violation of Federal Law. The three Credit Bureaus have neglected to comply with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX within the stipulated timeframe, and they persist in reporting unverified information. Given my extensive efforts to resolve this issue directly with the creditors, their actions can be interpreted as deliberate negligence and a failure to adhere to federal regulations. These statuses have a detrimental impact on my credit report, and this damage could have been prevented if the bureaus had conducted thorough investigations before reporting derogatory information. CAINE WEINER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION
State: NC

Complaint narrative:
Currently Alliant Credit Union is reporting wrong info on all credit reports for a Credit Card that was closed as a part of a bankruptcy. This debt was discharged and the discharge letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
XXXX restricted my account and is trying to say there is suspicious activity on my account. I made several deposit attempts earlier today, but kept getting an error message, and now they are holding my funds hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

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 XXXX out of XXXX 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. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 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: VA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-22 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: MO

Complaint narrative:
I have sent Experian several letters and proof of the inaccurate information reported on my credit profile and they refuse to change it. This has dropped XXXX points off of my credit score.

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 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I asked this company to send me the original contract with my signature on it to validate this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
In 2020 I received service from XXXX in the form of ambulance ride to the hospital. I paid off the bill completely. Out of the blue I just received a bill from Phoenix saying I that I owe {$100.00}. I can not access records from XXXX XXXX XXXX older than XXXX  months online. I'm XXXX and XXXX. This is a severe hardship for me. I do not understand WHY I have not been made aware of this debt before now. I believe this is an attempt to scam me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: FL

Complaint narrative:
Despite numerous previous written requests, the unverified accounts outlined below persist on my credit report, which is a violation of Federal Law. The XXXX Credit Bureaus have neglected to comply with the Fair Credit Reporting Act, 15 USC Section 1681i within the stipulated timeframe, and they persist in reporting unverified information. Given my extensive efforts to resolve this issue directly with the creditors, their actions can be interpreted as deliberate negligence and a failure to adhere to federal regulations. These statuses have a detrimental impact on my credit report, and this damage could have been prevented if the bureaus had conducted thorough investigations before reporting derogatory information. DISCOVERBANK XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
They took XXXX months to take my loan out of forbearance aftertheir mistake of putting it in forbearance. By their rules if you apply for idr plan they will automatically place in forbearance..and they did the opposite. They made my payment due the same day!!!! No time. This will NOT count against me since they are all mohelas fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I recently filed a complaint against Robinhood XX/XX/2024, stating my concerns on Robinhood not allowing me to withdraw my fund. On XXXX XXXX, my issue has got worse. After my bank cleared and process all my deposit into my Robinhood spending account, which was {$3000.00} on XX/XX/2024, I got an email from Robinhood support stating that my deposit have all cleared and process and my account was still restricted and soon to be closed as soon and my funds were going to be transferred back to my account, but that did not happen. I reach back to Robinhood support through email stating I need my fund transferred but since my account has been restricted I am not able to move my {$3000.00} out and into my bank account. I told Robinhood the only account I have link is XXXX XXXX debit account and I would like to transfer my funds into that account and I have no other account linked to my Robinhood account. Robinhood support emailed me stating that I can not transfer my {$3000.00} and that my account will be close with my {$3000.00} remaining in the closed account and there is nothing they, nor I can do about. Additionally, they are able to transfer my brokerage and spending account to my individual value account but cant transfer my fund into my link debit account, when they told me that they are unable to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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: FL

Complaint narrative:
I submitted a request to both Experian and XXXX advising that XXXX XXXX  or XXXX XXXX  XXXX NA accounts were fraudulently opened ; I have tried going to the credit bureaus and have been unsuccessful as they have been saying it has been " verified as accurate. '' Since then, I've reported the account to the FTC. FTC report # XXXX I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS 4ld PURSUANT TO 18 USC 8, L OWE NO DEBT ; THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXX above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. Information on the consumer report must maintain Maximum Possible Accuracy. Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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. The details of the accounts are inaccurate they are not exact in details and amounts. ( TransUnion/XXXX  XXXX XXXX XXXX you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE Yours Truly 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 non-monetary relief
Consumer complaint received 2024-03-22 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: GA

Complaint narrative:
To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, 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. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : XXXX XXXX XXXX XXXX above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate. Information on the consumer report must maintain Maximum Possible Accuracy. Accuracy means- correct in all details ; exact 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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. The details of the accounts are inaccurate they are not exact in details and amounts. ( XXXX XXXX Equifax XXXX you shall comply with the FCRA 15 USC 1681 YOU ARE SUPPOSED NOTIFY ME AND YOU FAILED TO DO SO!!!!!!! ( 6 ) NOTICE OF RESULTS OF REINVESTIGATION ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. DELETE THESE INACCURATE & INCOMPLETE!! ACCOUNTS FROM MY CONSUMER FILE Yours Truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-22 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:
Experian, Re : Letter to Correct All Inaccurate Late Payments to pays on Time on my Credit Information To Whom It May Concern : I received a copy of my credit report and found the following items ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX ) XXXX You have listed that Payment status is 60 days past due and the last reported date as XX/XX/2022 but it states that my last payment was also XX/XX/2022. So how can I be 60 days past due without being inaccurate. Please update to pays on time. The other bureaus have it differently. 
XXXX ) XXXX You listed that my payment status is 60 days past due and that you last reported this on XX/XX/2022 but it also states that my the last payment date as XX/XX/2022 so how is this 60 days late without being inaccurate. The other XXXX bureaus have the payment status as current. Please update to pays on time. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and corrected and marked as pays on time on my report. It is my understanding that you will recheck these items wit the creditor who has posted them. Please correct to pays on time for any information that the credit can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Sincerely yours, 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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX Bank of America allows a law firm of enter me and wife account and take out XXXX out of our account. I call the bank and all they did is give me the number to a law firm. So i called the number and they said it was an old worker compensation case that they claimed my job did not pay XXXX old case and their were no court judgement against me. So i dont understand how the bank just turn my funds to some person without my knowledge.

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 2024-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I submitted a claim for unauthorized debit card usage on XX/XX/2024. 
I had requested a pin and card be mailed which I never recieved. 

Someone then took this info and used it for XXXX of charges. 
Wells fargo denied the claim saying they had the pin. I said of course they had the pin it was mailed. 

I also requested the information used In the proceeding and to appeal my dispute. They said I couldn't appeal. 
And that I'm a liar. 

They are breaking the law by not providing provisional credit and information regrading the investigation.

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 2024-03-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL
State: NJ

Complaint narrative:
Oxygen XL is attempting to collect a debt that is not mine... I completed a form to inform Oxygen that the debt is not mine but they diregarded the information and are now attempting to collect fraudulent debt from me.

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