vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
It's a derogatory reporting to my credit report from Aspire Credit Card ; which is causing me hardship.They have sold my credit information to various credit collecting agencies.These agencies have violated me in so many ways. They are sending me letters, texting my phone, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our XXXX XXXX XXXX The violation becomes over kill, and is a XXXX issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. 

I can send in any documentation as requested. This include emails, text, letters, a call list. 

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting this account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting this account to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX. Amount : {$35000.00}. XX/XX/2022. I reached out to the company to have them correct the issue but it was to no avail. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXXO has violated my rights.

15 U.S.C 1681 section 602 ( a ) States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section XXXX States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) 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.

15 U.S.C 1666 ( b ) states billing error.

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX. Amount : {$35000.00}. XX/XX/2022. I reached out to the company to have them correct the issue but it was to no avail. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 ( a ) States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

15 U.S.C 1681 ( b ) 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.

15 U.S.C 1666 ( b ) states billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
I was trying to get a loan to buy a house and when I checked my credit report I noticed a lot of discrepancies and blemishes that might jeopardize my character. It is also a violation of 15 USC 1681g disclosures to consumers.

15 USC 1681 ( a ) ( 4 )

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I

w as trying to get a loan to buy a house and when I checked my credit report I noticed a lot of discrepancies and blemishes that might jeopardize my character. It is also a violation of 15 USC 1681g disclosures to consumers. 15 USC 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account " XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account " XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Hi XXXX, Re : CFPB Regulatory Customer Complaint and Robinhood Case ID : XXXX Thank you for bringing this matter to our attention and please accept our sincere apology for any inconvenience this matter may have caused you. Our staff diligently looked into your concerns received in your CFPB regulatory customer complaint. Please see below for more details. On XX/XX/XXXX a transfer from your bank account ending in XXXX totaling {$5000.00} was reversed by your bank from your Robinhood Spending account. As a result, your Spending account entered into a deficit totaling {$4900.00}. Following the reversal, XXXX transactions occurred on XX/XX/XXXX and XX/XX/XXXX totaling to {$0.00} and {$430.00} respectively. This resulted in a total deficit of {$5300.00} in your Robinhood Spending account. The deficit on your account was unresolved for a total of approximately seven months. In order to resolve the deficit on your account, Robinhood initiated two transfers from your Robinhood Brokerage account to your Robinhood Spending account. The first was initiated on XX/XX/XXXX totaling {$0.00} and the second was initiated on XX/XX/XXXX totaling {$5300.00}. Since then, the deficit on your Robinhood Spending account has been resolved. We hope this clears up any remaining confusion around the transfer from your Robinhood Brokerage account to your Robinhood Spending account. If you have any further questions or comments regarding this matter, please do not hesitate to contact us at XXXX. Sincerely, Robinhood Support This is not the case, I did not authorize or agree to this or for the reversals, they deactivated my account and refused to investigate the disputes as my account was taken over. They feed use to get on the phone with me, if this company refuses to respikve this with me I will have a police report drafted and would like to subpoena all evidence for discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
This occurred over two years ago when my ex-husband, XXXX XXXX XXXX, XXXX came to visit our son. I had left my smartphone in the room where they were visiting and thought nothing of it. What he did was he downloaded TRADING APP which is entitled ROBINHOOD. He used the routing and account number listed on the bottom of an old, cleared check he still had of mine to LINK my checking account to this trading app, and then he DELETED the app from my device. 
The only way I learned that this was done was when I received an email from ROBINHOOD letting me know that the {$4.00} that had been sent to them from my checking account had cleared and I could begin TRADING on their app. 
I tried to contact the app, but they kept stating that if a person needed to contact them they would need to login to their ROBINHOOD account, and the person in need of assistance could get it this way. I never opened any account with them, and I certainly wasn't going to re-download this app, and change the password when it was someone else trying to damage my bank account by doing this to me in the first place. 
So what I was forced to do was go to my bank and close out my checking account. Since that time my funds have not been tampered with, but this app continued to email me concerning the account linked to my OLD XXXX ID. I blocked them from the email account, and eventually had to close the email account altogether. 
Fast forward around 6 to 8 months, after I relocated and started all over again with a new bank account and a new smartphone with a totally new XXXX ID, and I even relocated to a new apartment when ROBINHOOD then began sending me physical mail! 
This was due to a {$4.00} XXXX  and XXXX XXXX  transfer from a closed checking account which was in my name, and that was the first and last time which the app had any information about me, personally. The XXXX XXXX  was chalked up by me as a loss, as I have zero knowledge about stocks or trading. And, I have never wished to learn, so I refused to acknowledge them. 
Now they are sending me physical mail which include threats about fining me for making them send paper mail to me because they have no way of sending me further emails. 
I feel very threatened by all of this. My ex-husband is who stole my IDENTITY in both XXXX and XXXX. I don't know how to contact him now, but I want this ridiculous APP to leave me alone!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, 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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 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 2023-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hi my name is XXXX XXXX i had an auto loan with Wells Fargo. My car at one point during my loan was repossessed due to non payment which was incorrect, i proceed to get my car out pay all the fees and whatever wells fargo said i owed to them which totaled to almost {$4000.00} and My payments after that still were Either off or were not applied correctly. I took the auto loan out in XXXX and just recently paid off the vehicle.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.

Complaint narrative:
I am writing this letter to bring to your attention the issue that I have been facing with regards to my credit card account. My credit card account number is [ XXXX XXXX ]. 

I closed my credit card account and cleared all outstanding dues long back. Despite this, I have been receiving SMS notifications from CITI BANK regarding the payment of dues on my closed account. 

I have tried contacting CITI customer service department multiple times to inform them of this issue, but I have not received a satisfactory response. The continuous SMS reminders are causing me a great deal of inconvenience and anxiety, as I have already settled all the dues and have no outstanding balance. 

I request you to take immediate action and ensure that I do not receive any further SMS notifications regarding the payment of dues on my closed account. Furthermore, I would appreciate it if you could provide an explanation as to why I am receiving these reminders even though I have already cleared all dues. 

I expect your prompt attention to this matter, and I would appreciate a resolution at the earliest. 

Thank you for your time and consideration. 

Sincerely, 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 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX These entities have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation