vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Was requesting copies of my credit report from XXXX, XXXX, and TransUnion for XX/XX/XXXX. Usually I request them online from the XXXX website. I have had some problems requesting all three at the same visit from this website so for my most recent visit when I started encountering problems, I submitted a completed printed XXXX XXXX XXXX XXXXXXXX XXXX and sent it to the address on the form for XXXXXXXX XXXX XXXX XXXXXXXX XXXX in XXXX. I received a postcard from TransUnion with a " date issued '' printed on it of XX/XX/XXXX. I received this postcard XX/XX/XXXX. The note states that their records show that I have received my free annual credit report from TransUnion within the past 12 months and that if I'd like to buy and additional credit report for {$11.00} from them, I can to online to disclosure.transunion.com or call them at XXXX. I called their number today to ask why they are sending a postcard telling me I have to purchase my credit report after having received a free one from them in the past year. After talking to the first one individual at this number- I am supposed to be receiving my current TransUnion credit report from them by mail at no cost. But, I was transferred to another representative who really couldn't answer my questions or explain why they are sending out these post cards. I terminated the call when it became apparent it was unlikely I'd get any legitimate explanation of why they are sending out a notice of having to purchase a TransUnion credit report right now after having received a free one within the past year. There appears to be a problem here, since we are supposed to be receiving access to our credit reports for free every 7 days until XX/XX/XXXX. I wanted to make you aware of this in the event other members of the public are also receiving post cards from TransUnion indicating that to obtain more than 1 free credit report a year, they are to pay for it - even though that currently does not apply. I can provide a copy of the post card if you would like although it does contain my TransUnion request file number on it which they use for reference.

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 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TN

Complaint narrative:
I spoke to them letting them know I did not have any debt with them. I had debt with XXXX XXXX XXXX. I told them the amount of debt was wrong, but did not think that they should have any of my information knowing I had set an agreement with XXXX to pay back {$2000.00}. Some how they were in charge of my debt and they will not negotiate to the same terms as the people who I was obligated to. I am not obligated or did not sign up with this unknown company of Jefferson Capital Systems. I had an agreement with XXXX Credit Card, not them. Now they are trying sue me for an outrageous amount of {$5800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
I am the victim of identify theft, which I reported the theft of my social security number and personal info to the FTC on XX/XX/2021. The thief opened an account at Robinhood. Robinhood is the subject of this complaint. I began notifying Robinhood on XX/XX/2021 -- a week ago -- that a criminal identity thief used my stolen information to create an account on the platform. I've sent emails to various departments at the company over the last seven days. Not once have they responded with substantive information. Meanwhile, a criminal is on the platform using my personal information to make trades. The account is linked to various fraudulent bank accounts. I can not access the account, Robinhood will not shut it down or even respond to me. There is no phone number for Robinhood. I went as far as to create a different Robinhood account to find a customer service number. The person on the phone refused to help, wouldn't let me speak, and hung up on me. I have no idea how else to stop the criminal ID theif from continuing to use the Robinhood platform -- with the company 's consent at this point -- from using the account. Robinhood has an utter disregard for criminal activity on the platform. The company refuses to assist a law-abiding person in protecting her name and identity from criminal misuse. In short, this company is aware of and complicit in criminal activity occurring on the platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: IN

Complaint narrative:
These TransUnion hard inquiries listed below on my credit report are fraudulent, and would like them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXS Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/2021, XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed information that was on my credit report. The negative information that i disputed was deleted from my report and then placed back on my report without notifying me. The information is fraudulent and should not be on my report. It is against the law to place something back on my report without notifying me. These accounts are negatively affecting my credit worthiness and is causing me to be denied for things. The account was removed XX/XX/XXXX and placed back on my report XX/XX/XXXX. Another account is XXXX  XXXX  which is fraudulent and does not belong on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They have failed to respond to my dispute letter that I send out on XX/XX/2021.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I have an account that is good-standing with Google Fi XXXX XXXX ). They are denying me credit for an extended payment plan for a new phone. XXXX is the credit agency they check and I do not have a freeze or security hold active. Google Fi Support Inquiry : Case ID [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted Experian last Friday about all of the information I deemed as fraudulent and should be removed pursuant to the Fair Credit Reporting Act as codified in 15 USC 1681b ( permissible purposes ) including inquiries with no accounts attached, personal information, and any information that was degrading my creditworthiness such as late payments which are also fraudulent. They informed me of late payments on my report which is a violation of the 15 USC 1666b ( a creditor may not a payment on a credit card account under an open end consumer credit plan as late for any purpose ). I demanded these accounts ( SECU and XXXX XXXX XXXX XXXX ) report to being PAID ON TIME. I am sending this complaint to ensure this happens as this is my consumer report and by federal law I can tell EXPERIAN whatever to report on my consumer report under FCRA. Failure for EXPERIAN to do so is a violation of my consumer rights and the FCRA which could result in a federal lawsuit.

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 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern Please accept this letter as a formal complaint against my mortgage provider, XXXX. 

I am respectfully requesting your agency assist me by providing relief in removing months of false and malicious reporting to the relevant credit bureaus. Specifically, that XXXX contact the relevant credit bureaus and rescind the false reporting. 

I never filed for personal bankruptcy. 

Unexpectedly, XXXX ceased any and all communication with me as of XX/XX/XXXX. 

They removed me from the auto-draft payment program without my knowledge, consent or directive. 

Additionally, they stopped providing my monthly statements. In doing so, they failed to advise me of changes to my account. By way of example, they increased the monthly amount due, while simultaneously refusing to speak to me regarding any and all previously noted matters. 

XXXX ( due to their own administrative failures ) then proceeded to report derogatory late payments to credit bureau reporting agencies for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After nearly a year of phone calls, denials, and relentless efforts, I was finally able to have them partially investigate this matter. They reluctantly recognized their error and attempted to rectify the madness of kicking me off the auto-draft monthly payment program, by allowing me to resume the auto-draft payment program. Thus assuring I could once again make accurate, and timely payments as I had previously done. They assured me that once the account was formally updated within their system, they would address and correct the error with their credit department. Needless to say, the false reporting continues to this day and clearly has not been corrected. 

Furthermore, as of the writing of this correspondence, their statements continue to reflect an outstanding balance that they represented via telephone would be corrected and/or adjusted. It continues to re-appear on a basis. 

I am respectfully requesting your assistance with correcting the aforementioned matter. In reading available customer reviews, it appears I am not alone. 

Please contact me upon receipt and resolution to this very time sensitive 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 2021-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Recovery Systems, Inc.
State: MS

Complaint narrative:
This is a complaint about being billed for debt that I do not owe. Bills were constantly sent to me via mail about a debt being owe to XXXX XXXX XXXX which should have been billed to the job XXXX XXXX XXXX XXXX claim/file number XXXX. Due to them not hearing from me they assumed the debt was valid and reported this inaccurate information to my credit report without doing proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: GA

Complaint narrative:
This company is contacting me for my father. They are not even contacting me for me. This is not my debt so why are you calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: OH

Complaint narrative:
There are multiple inquiries on my credit report with Trans Union i have called mulitple times to have these removed but they Firmly reject my request upon telling them that those inquires are not done by me i dont know where they come from there is no signiture barring my name for those companies to pull my report the inquires as follows. 

XXXX XXXX ( XXXX XXXX ) -XXXX   XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX ) -XXXX  XXXX  ( XX/XX/ ) -XXXX XXXX (XX/XX/XXXX ) -XXXX  XXXX ( XX/XX/ ) -XXXX XXXX (XX/XX/XXXX ) As requested i would like these 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 explanation
Consumer complaint received 2021-11-16 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I checked my credit report and this auto loan is on there, which I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
The Amex Platinum card promised XXXX dollars for travel to offset the annual fee ( {$550.00} ), but it was not clear to me that it was only for incidental charges but not booking flights. There were also perks like monthly $ for XXXX or XXXX where I found that ordering through UberEats could be more expensive than ordering the actual meal at the restaurant + restaurants would stop accepting it without notice so I could not use it the way I anticipated. Then they raised the annual fee going forward for the exact same card without asking consumers if they are interested in it ( you would think that they would have to offer consumers the right to the same terms as they signed up for ) and offering new benefits. One of these was XXXX dollars to book hotels at fine hotels and resorts so long as you book through their portal. I booked a hotel through their portal and was wondering why I did not get my credit back. Turns out that it was for a collection of hotels and resorts ( super expensive ect. ) that THEY call XXXX XXXX  & XXXX, but not any hotel offered through their portal! Eventually I was fed up with them and tried to cancel the card. They gave me a hard time trying to convince me that I should keep it, including requiring me to transfer to a " special team '' whose job it is to convince me to stay, but finally read me the disclosures and " cancelled '' it. Only they never really cancelled it. A week or so later I checked up on it, fortunately, and discovered that they never did cancel it. I had to call back again and go through the same process. Only then did they truly cancel the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX female, on social security. In XXXX XXXX, I purchased a XXXX B/R house in the city of XXXX, OH, with my husband, who is suffering from XXXX. Over the course of XXXX years, I and my husband paid close to {$250000.00} in monthly installments of {$980.00} a month for a house for which the price was {$92000.00} ( See {$160000.00} the interest we paid to the lender XXXX XXXXl ) On XX/XX/XXXX, Me, my husband and son were kicked out of our house. We were paid {$3000.00} for everything we owned in the house. It was worth around {$75000.00} ) At that instant, at XXXX XXXX, on XX/XX/XXXX, we became homeless! 
With my Social security monthly income of {$310.00} and my husband 's monthly retirement of {$800.00} we were not able to afford to rent any apartment anywhere in Ohio. 
We lived in our XXXX car for 4 months, until after XXXX of that year, by sheer luck we qualified for one B/R unit in a XXXX  dwelling. 
My husband still cries when he is alone. All our life 's hard work and financial savings etc came to naught. 
I WANT JUSTICE. 
FROM THE CORRUPT FINANCIAL INSTITUTION WHO HOODWINKED US BY CHANGING THE TERMS OF OUR MORTGAGE FOR THE WORSE AND WIPING AWAY XXXX  YEARS OF PAYMENTS WITH THEIR CROOKED ACCOUNTING. We were asked to start afresh to pay the whole mortgage of {$92000.00} starting XX/XX/XXXX. 
This should not be the Great America I know, where Law and order are supposed to look out for the ordinary citizens.

All we want is to have our own dwelling, fully paid for, as we have paid about XXXX times the price of the house already! 
We do not want any money. 
A simple, small, ordinary house fully paid for, where my son and we can FEEL SAFE! 
Can some powerful Bureau/Organization help us?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my XXXX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in 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 explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Back in XXXX Ill purchase promotional services from a promotional company that I thought was legit they scammed me out of {$1200.00} and I ask for a refund they advised me that they would not give me a refund I try to report this issue to Cash App they say basically oh well then I reported this issue to my bank Who advise me that I would have to take this out with cash app I reach back out to cash out for help and they advised me that there was nothing that they can do I reported the persons account as a scam and now that person has scammed another person cash app is refusing to acknowledge this problem and give me my money back from this persons account they are scamming people and Cash App is allowing them to scam people I would like a deeper investigation into this matter as I do have receipts and confirmation of the services that I wanted but was not provided I have requested a refund from this person in which they decline and I advise that to cash app as well I would just like my money back because I am a single mother and I was trying to invest into my career by promoting my business and was ripped off I also see no cash app has a I have been scammed button which is new on the platform I did not have the option to say that I was scammed at that point in time but now that I do I would like to utilize this option and let cash app know that I will scam

Company response to consumer: Closed with explanation