vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-03 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: ROBINHOOD MARKETS INC.
State: DC

Complaint narrative:
Hello! 

A few days ago Robinhood account # XXXX, on XX/XX/XXXX, transferred XXXX and XXXX cents into my XXXX Bank checking account, and then 2 business days ago, Robinhood pulled {$.00} and {$14000.00} out of my checking account. I've never had any relationship with Robinhood. This is pure fraud.

Now I'm getting the run-around from everyone.

Please help stop this issue! 

Thanks! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I submitted requests to : TransUnion, XXXX  and XXXX, asking them to remove my bankruptcy from my credit report, because : 1. They are violating my rights to privacy.

2. They are ruining my credit reputation. 

I have not heard anything back from them. My letters were sent on XX/XX/XXXX, and as of today, I have not received any investigation results. 

Please 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 2021-08-03 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: Credit Plus Inc
State: PA

Complaint narrative:
I have these items that are not mine and i want them to be removed form my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act and finally some misinformation like my name, address, and employer to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian- wont remove collection of inaccurate info, XXXX  removed this for inaccurate info i asked repeatedly for them to remove this the last response i got was those may be so ( transion removing it from my report ) but info is accurate -it for XXXX XXXX and XXXX XXXX XXXX XXXX XXXX , XXXXXXXX 1 XXXX XXXX XXXX PA XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MN XXXX : XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX this is inaccurate the other 2 bureaus have removed these inaccurate info it does not let me dispute this one Date Reported : XX/XX/XXXX Collection Agency.-.XXXX- XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$750.00} Amount {$750.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX  XXXX TX 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 non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: MO

Complaint narrative:
I have been contacted a few times by a collection company ( XXXX, XXXX  XXXX  ) by the name of XXXX XXXX whom say they represent a past landlord that says they have a balance due. The name of the apartment complex is called XXXX XXXX. I have not lived at that location since XXXX. 

I find it horrid to have credit company come from no where pushing for monies NOT due. On top of that reporting inaccurate information and affecting my credit report and number is obscene.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: VA

Complaint narrative:
Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed [ insert number of inquiries ] that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX and XX/XX/XXXX 2. XXXX and XX/XX/XXXX 3. XXXX and XX/XX/XXXX 4. XXXX XXXX and XX/XX/XXXX Please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, 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 2021-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
Show on credit closed, paid off inactive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America erroneously paid my neighbor 's property taxes out of my escrow account. By two letters dated XX/XX/XXXX ( after repeated requests from me ) bank of america stated that they paid property tax of {$2500.00} on parcel number XXXX on XX/XX/XXXX and paid {$330.00} on parcel number XXXX on XX/XX/XXXX. These parcels do not belong to me and are not listed in my name or at my address.The total of {$2900.00} was misappropriated from my escrow account related to my mortgage. Additionally they raised my mortgage payment to {$950.00} and then to {$1100.00} as of XX/XX/XXXX. Ten phone calls later requesting return of the {$2900.00} and reevaluaton of mortgage payment, I have learned that they " updated '' their information and that my mortgage payment will be {$770.00} per month but not beginning until XXXX XXXX. As of today they have provided no response to my request that the misappropriated funds be paid back to me. I want the {$2900.00} IMMEDIATELY paid back to me by deposit in my checking account and a written apology from Bank of America. 
.

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 2021-08-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I have these items that are not mine and i want them to be removed form my credit. 


1. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX This is not mine.

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX This is not mine.

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXXThis is not mine.

7. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have these items that are not mine and i want them to be removed form my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft CITZENSONE Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/21, I opened a CitiBusiness Streamlined Checking account with the friendly assistance of XXXX XXXX  XXXX at the branch location specified below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX provided me with a brochure/ flyer ( please see attached ) specifying the terms of the Tiered bonus promotion. I opted to become eligible for the {$1000.00} bonus promotion by depositing a minimum deposit level of {$50000.00} and maintaining this level for 60 consecutive days. I deposited {$50000.00} and it posted onto my account on XX/XX/21 and I maintained this amount until XX/XX/21. 

The terms of the promotion state : " The Cash bonus for which you qualify will be credited to your Citibank business checking account within 90 days from the end of the month in which you complete all Offer requirements. '' According to the terms, I should have received my bonus promotion of {$1000.00} on XX/XX/21.

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 2021-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My new XXXX lease was over always paid on time with auto pay ( signed with XXXX ). 
I extended the lease and they said that all payment amount and withdraws will stay the same .XXXX  reported to the credit bureau that my account is closed when in fact is still open ( still have the car ) on top of it all they did not charge my account for a payment when i realize i called many times try to reach them with crazy hold time. finely reach them and paid on the XXXX day, my accounts was never late in all my years. my credit score was always XXXX or greater and they caused it to drop down to mid XXXX their automated machine called me hundreds of time when you answer you can not reach no one

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 2021-08-03 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: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX  XXXX  XXXX : I have never taken a course or class from this institution that put a charge on my account. I have proof. Nor do they have proof I took any class from them. I have tried several times to have this removed from my account the only thing left is to sue due to the loss of home and income and harassment.. this charge was wrongfully put on my account. I want it removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: TX

Complaint narrative:
I have tried to dispute with Transunion and XXXX  for the information reported for XXXX. XXXX customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. Transunion is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to XXXX  and Transunion  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. XXXX  shows the exact same date closed. i have reached out to Transunion  and XXXX  as well as XXXX. There is no reason for XXXX  to show no late payment and only XXXX  to show. Transunion  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.

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 2021-08-03 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: TX

Complaint narrative:
I have tried to dispute with XXXX  and Equifax for the information reported for XXXX. XXXX customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. XXXX  is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to Equifax and XXXX  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. Equifax shows the exact same date closed. i have reached out to XXXX  and Equifax as well as XXXX. There is no reason for XXXX  to show no late payment and only Equifax to show. XXXX  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
On XX/XX/2018, Midland Funding added a derogatory remark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature of this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, Midland Funding has violated my rights as a consumer, and I am requesting legal action to remove the account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: VA

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2021-08-03 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a letter from a creditor where one of my credit cards was closed. The letter states that they based their decision on the TransUnion report due to a low score and some information that I am not aware of dealing with real estate. I tried unsuccessfully to try to contact them via phone or website. Both places blocked me from getting any information regarding my own report due to the inability to verify my information. I believe this is a sorry service. There is no way to get my information. I have to wait until I can get a paper credit report which will not contain the score - because this company charges for a score. I tried paying for the score but I got blocked for doing so. So how am I supposed to file a complaint to a company that got the wrong information if I can't get the information requested myself? TransUnion has the ability to ruin someone's score based on incorrect information. Yet, I can't even reach them by phone or online due to their sorry customer service.

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 2021-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XXXX is the only bureau not reporting accurate information on my credit report. Thru will not keep their agreement of taking the fraudulent debt Comenity Bank off of my credit report even after they told me to get a police report and identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that IC SYSTEMS would verify the debt. So I took it upon myself to ask IC SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

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