vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Association I sent this company a debt validation request letter they never validate the debt didn't provide no licenses information no contract with my signature on it no date when this alleged account was supposed to be open the date is an error on my credit they is still reporting errors on my credit Portfolio Recovery Association is a repeat offender known to violating fair credit reporting act, fair debt collection practice Act, the consumer protection act, defamation of character their are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX account number XXXX Original creditor : XXXX XXXX XXXX BANK XXXX XXXX Date opened XX/XX/year>2019, charged off. per section XXXX XXXX XXXX ' validation Notice I didn't receive a validation letter with my signature validating the debt. I never entered in a binding contract with XXXX XXXX who didn't provide a copy of the original contract with the original creditor. a copy of the payment history with name and address of the original creditor. and proof of the debt assignment. XXXX failed to provide the documents withing 30 days. TRANSUNION keeps stating we verified the ( debt show me how ) won't remove the debt from my credit report. this is unacceptable. This needs to be removed asap.

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 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Recently, I requested that this account be removed immediately for incomplete and inaccurate information reporting to my consumer report. XXXX and XXXX have removed it please remove it immediately!

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 2024-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
On XX/XX/year>2024, a transfer was made to Robinhood in the amount of XXXX dollars. From a linked bank account on file. This bank account has been prior linked to Robinhood to transfer funds in and out. 

I receive a notification on XX/XX/year>2024 that my account is being restricted. I was told that I needed to submit my banking statements, and that it will be done with XXXX. After this, I was told to submit my drivers license and take a selfie. After doing this, I was told my bank verification will be looked into and that theres nothing else to do. 

I can not access the money I have in Robinhood whatsoever. I have a Robinhood debit card that I primarily use for my money, I cant use it whatsoever. I also cant move the funds I have not deposited in Robinhood. My whole system is locked out for no reason.

The bank account on file has my my name on the statements, and Robinhood has my social security number. They refuse to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-08-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I disputed Jefferson Capital System due to identity theft as Ive recently received a copy of my credit report. This was for XXXX XXXX as I only have ever had one account with them and it was paid off on Time and closed properly. Jefferson Capital System closed my collection account however did not delete off my credit report. Termination of collection authority prior to payment of the debt requires, under the instructions in the CRA reporting manual, that the debt collector also delete their reported collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.

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 2024-08-11 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: 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 explanation
Consumer complaint received 2024-08-11 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
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. Whos studying XXXX XXXX help 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 it you could assist in removing the following from my credit report, these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to express my concern regarding the enrollment of the {$900.00} account opening bonus coupon associated with the accounts I opened on XX/XX/. It was my understanding that the coupon should have been enrolled at the time of account opening. However, to my frustration, it appears that due to a system issue, the enrollment was not successfully processed. 

It wasnt until XX/XX/ 2024, when I called customer service to confirm, that the problem was identified and the coupon was finally enrolled. The critical issue here is that I had already deposited {$15000.00} into the savings account on XX/XX/2024, under the assumption that my coupon had been correctly applied. 

Given the substantial amount involved, I would like to receive a clear assurance from Chase that this {$15000.00} deposit will count towards meeting the criteria for the {$900.00} bonus. It should be chase and the bankers responsibility for assuring their customers that whether they do what customer demand successfully or not. Apparently the chase and banker dont pay attention when their customer request they want to use coupon to open account and they dont give me the informatio in the immediate time when I open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 ( a ) states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
Im reaching out to request your assistance in removing some information from my credit report. Im a victim of debt bondage due to human trafficking, and Ive been working with an advocacy group to get support. According to guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Trafficking-Debt Final Rule, Im entitled to have this information blocked and removed. According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the necessary documentation, including a picture ID, a bill, and a letter from an advocacy group assisting me with my situation related to human trafficking and debt bondage. This falls under the Trafficking-Debt Final Rule ( 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ) ).

I kindly request that you block the relevant information from my credit report within four business days, as specified in Section 605C of the Fair Credit Reporting Act. I have submitted all required documents, including the identification and information from the list of acceptable items, and a victim determination letter in accordance with 1022.142 ( b ) ( 6 ). 

Thank you for your attention to this matter. 

Specifically, I need the following account removed from my credit report within four business days, as outlined in Section 605C of the Fair Credit Reporting Act : XXXX XXXX BANK XXXX {$880.00} Your understanding and prompt action on this matter would mean a great deal to me. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: OH

Complaint narrative:
Im reaching out to request your assistance in removing some information from my credit report. Im a victim of debt bondage due to human trafficking, and Ive been working with an advocacy group to get support. According to guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Trafficking-Debt Final Rule, Im entitled to have this information blocked and removed. According to the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the necessary documentation, including a picture ID, a bill, and a letter from an advocacy group assisting me with my situation related to human trafficking and debt bondage. This falls under the Trafficking-Debt Final Rule ( 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ) ).

I kindly request that you block the relevant information from my credit report within four business days, as specified in Section 605C of the Fair Credit Reporting Act. I have submitted all required documents, including the identification and information from the list of acceptable items, and a victim determination letter in accordance with 1022.142 ( b ) ( 6 ).

Thank you for your attention to this matter. 

Specifically, I need the following account removed from my credit report within four business days, as outlined in Section 605C of the Fair Credit Reporting Act : XXXX XXXX BANK XXXX {$880.00} Your understanding and prompt action on this matter would mean a great deal to me. Thank you for your help.

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 2024-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a XXXX XXXX  employee. On XX/XX/XXXX, I enrolled in XXXX 's XXXX program through XXXX, the fXXXX XXXX XXXX XXXX XXXX program. As part of XXXX XXXX 's program I can invest in an XXXX. The only option permitted by XXXX XXXX to manage and run the XXXX account is XXXX Bank, a division of Webster Bank XXXX. 

Up until this point, XXXX Bank has collected the money that I set aside for my XXXX savings, then allowed me to transfer the funds to either XXXX or XXXX  for my own management of the XXXX funds. XXXX offers no fees on management of an XXXX account, and users must only pay the fee of whatever wide variety of options of mutual funds or stocks they choose to invest in, and there are thousands of choices available for customers ( in most cases, very low fees close to 0.02 % for a mutual fund that tracks the XXXX & XXXX XXXX. ) However, on XX/XX/XXXXXXXX XXXX 2024, I received an email from XXXX  Bank that stated that all customers must, starting from XX/XX/XXXX, invest their funds through an investment platform called " XXXX XXXX '' which charges a flat management fee between 0.1 % - 0.35 %, between 5x and 17x as much as the current management fees. Thus far, XXXX  Bank has not provided consumers with any information about what investment options will be available to them. Therefore, we are being forced to pay higher fees for completely unknown investment options. 

In addition, XXXX  Bank will no longer allow us to make changes within our XXXX accounts. I am only permitted to sell my holdings in XXXX and transfer the money back to XXXX  Bank if I want the money to remain invested. 

These changes are blatant profit-grab from XXXX  Bank that reduces consumer choice and control, and increases junk fees for what thus far appears to be worse options. This is blatantly anti-consumer behavior. As a XXXX  employee, I have no other choices for management of my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
In accordance with guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Trafficking-Debt Final Rule ( 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ) ), I am requesting the removal of certain information from my credit report. As a victim of debt bondage resulting from human trafficking, I have obtained the necessary documentation and a letter from an advocacy group supporting my case.

Please block and delete the following information from my credit report within four business days, as stipulated by Section 605C of the Fair Credit Reporting Act : XXXX XXXX XXXX balance {$880.00} Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: OH

Complaint narrative:
In accordance with guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Trafficking-Debt Final Rule ( 1002.142 ( b ) ( 4 ) 1002.142 ( b ) ( 7 ) ), I am requesting the removal of certain information from my credit report. As a victim of debt bondage resulting from human trafficking, I have obtained the necessary documentation and a letter from an advocacy group supporting my case.

Please block and delete the following information from my credit report within four business days, as stipulated by Section 605C of the Fair Credit Reporting Act : XXXX XXXX XXXX balance {$880.00} Thank you for your prompt attention to 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 2024-08-11 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: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 ( a ) states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 ( a ) states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation