vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX of XXXX, my membership account w/ fraud alerts for the past 4 years was hacked & hijacked from my access even with paid premium features that were to protect and recover this issue. My account sign-in info was changed to an Experian email address keeping me from logging in and/or changing password to log in. Someone was applying for auto loans daily for a month causing dramatic drops in credit score, then numerous fraudulent entries started showing up on my report including extra ssi numbers, fraudulent addresses, a list of XXXX aliases when I've only used my real name all my life, fraudulent accounts claiming to be in collections when I've had no collections in my name in over 10 years. Each time I dispute this information, it shows back up on my report a couple of months later. Each time I call in, I'm sent on a " transfer cycle '' where I'm transferred back & forth to several depts for hours, then hung up on. Just to have to call in again, and go through the same treatment with nothing being rectified. My accounts that have been connected to Experian Boost were disconnected several times causing my score to plummet again, even while I've been working w/ XXXX other companies reporting timely payments to increase my score faster than usual. I've dropped XXXX points just in the past XXXX weeks and no one can expain this repetitive fraudulent activity to me even with fraud alerts, credit freeze, and I mailed/faxed in the police report at the very start of this ever increasing 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 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My name and I formations are reported to the collections agency by Midland credit management on behalf of XXXX  XXXX credit account identity theft fraud. Someone used my identity and opened up a XXXX credit card issued by XXXX  XXXX. I had made reports and disputes to XXXX  XXXX and this account is still in dispute as I understand however Midland credit management has reported that debt to the credit bureau while it is fraud and in dispute with XXXX  XXXX. I ask for settlement of this dispute which has been going on for 2 years and clear my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

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 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: MO

Complaint narrative:
These XXXX  are playing games. They have unrestrict and restored my account but won't let me transfer my money. I'm sick of their XXXX. They responded to my complaint on this site this morning saying they have resolved the issue. I am in no different of a spot today than I have been for the last week. I just want my money and be done with them. They asked for documentation from my bank I gave it to them. I have done nothing wrong with this company that they can find. This is harassment and they are frauding me holding my money XXXX. I want something done with these XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Resurgent Capital Service was sent two certified letters requesting debt validation pertaining to a debt letter from them which was physically mailed to my residency. The letter stated I owed LVNV Funding Debt Collection for an unpaid XXXX XXXX Credit Card. I wrote back to Resurgent Capital Service, debt management agency for LVNV Funding asking both companies to validate the debt by mailing me a signed contract with my signature and their signature for conducting business with them as well as the ledger of invoices pertaining to the debt they are claiming from me.

I have not received the signed contract with my signature nor any invoices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I contacted MOHELA multiple times about this issue and tried calling to resolve it today. However, they've removed the option to speak with a representative from their phone tree, so I have no idea how to contact them. During the forbearance between XXXX, which MOHELA initiated due to their own incompetency with the repayment process, I made two payments. I wanted these payments to be applied to my XXXX and XXXX payments instead. Their original email stated this would happen automatically, but I did not see it reflected on my account, so I called to move these payments. On XX/XX/XXXX, I talked to a representative who said they could do this. However, as my due date approached, I never saw the amount reflected on my account. I talked to another representative on XX/XX/XXXX, who informed me that the previous rep had not completed the paperwork correctly, so it never went through. I asked if it was worth sending the paperwork through since my loan was about to be due on the XXXX, but she said they'd see it in time to apply the payments. She proceeded to help re-submit the paperwork over the next hour. It is now XX/XX/XXXX, about a week past my due date, and there are still no payments reflected on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
With a goal of increasing my credit score ( which is above XXXX ), I recently applied for a new credit card and was contacted saying I needed to unfreeze my credit reports. I had no trouble unfreezing with the other two companies, but Experian has been an ongoing problem. I continue to be locked out from my own account because they do not acknowledge that my only phone number I've even had is associated with my account. I have tried logging in via alternative sign-in options ( 'sign in through your google account ' ), which also fails. Thus, I am unable to apply for any additional credit lines due to this freeze. I have requested to log into my account through all options allowed by their site, but am barred from entry and have no way through the system except for my phone number which they do not recognize. I think it is completely inappropriate that professional lapses by this private company could impact my financial fate in this manner. I ask the CFPB to reevaluate the unacceptable consolidation of power by these private interests.

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 2024-01-24 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: PA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

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 2024-01-24 00:00:00
Product: Credit reporting 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:
I contacted TransUnion to request select Hard Inquiries be removed because I did not authorize them. They advised they cant remove them. 

Only These listed below Hard Inquiries I did not authorize : 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 2024-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
My 360 Savings Account was supposed to earn a high interest rate. Capital One lowered it without warning me and also offered " Performance Savings Accounts '' at a higher rate but did not pay the rate on my existing account. 

I am outraged that for a long time, Capital One has paid me a pittance for interest. This is a bait and switch tactic. 

I must have missed out on at least {$500.00} or more of interest due to this unfair treatment by Capital One. 

I heard about a class action suit on this issue in a newspaper and would like to join this lawsuit against Capital One. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM REQUESTING THESE XXXX INQUIRIES BE BLOCKED AND REMOVED TO CORRECT MY CREDIT REPORT. MY INFORMATION WAS STOLEN. MY IDENTITY HAS BEEN USED WITHOUT MY KNOWLEDGE. DUE TO MY IDENTITY BEING STOLEN, UNIDENTIFIED INQUIRIES ARE ON MY ACCOUNT. BLOCK AND REMOVE THE FOLLOWING INQUIRIES 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 non-monetary relief
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
my complaint is in regards to an item posting on my credit reporting derogatory as XXXX acct # XXXX opened XXXX this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account

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 2024-01-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
my complaint is in regards to an item posting on my credit reporting derogatory as XXXX acct # XXXX opened XX/XX/2021 this account reporting negatively is a direct violation of my rights under USC 1681. I never gave consent for my information to be disclosed.

FCRA act section 611 gives me the right to request an explanation of the verification method used on the listed account

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 2024-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX is in Violation of The Fair Debt Collection Practice Act 15 U.S.C 1692 against me, XXXX XXXX as of XX/XX/XXXX. On XX/XX/XXXX, it was brought to my attention via a phone call from RMP LLC, that they are attempting to collect a debt that I do not owe and to furnished negative information to the Credit bureaus against my XXXX XXXX XXXX, in violation of 15 U.S.C 1692. 
I XXXX XXXX never received notes of this alleged debt from RMP LLC in violation of 15 U.S.C 1692 ( g ) ( a ) and was never afforded the opportunity to dispute this alleged debt in violation of 15 U.S.C 1692 ( g ) ( b ). I DISPUT THIS ALLEGED DEBT IN ITS ENTIRETY. If reported to the XXXX major XXXX XXXX XXXX, this negative information will grossly affect my ability to borrow money from any Financial Institutions and will affect my credit worthiness. 
I am also concern that a XXXX XXXX ( Unauthorized access, use, or disclosure of Protected Health Information ) ( PHI ) may have accrued due to the statement made to me by XXXX XXXX ( ID # XXXX ). She asked several times did you received and used A XXXX XXXX that may have been sent to you : In addition, XXXX XXXX used obscene language, the natural consequence of which is to abuse the hearer of her words, in violation of 15 U.S.C 1692d ( 2 ) Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of XXXX. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of XXXX XXXX against RMP LLC, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I've tried to use an Amex Gift card I received from work for {$120.00} to make purchases at XXXX, XXXX XXXX, and in a XXXX XXXX. Initially I thought it was a balance problem but every time I went to the Amex balance website it showed the full balance. After further research it appears many vendors are blocking the use of this type of card making it unusable for me. This should be a class-action law suit since they know many people will never be able to use the full balance of their gift cards. These types of unusable gift cards should not be restricted. The gift card expires in XX/XX/2024.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 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: GA

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My personal info was subject to identity theft in which multiple items showed up on my credit report between the years of XXXX. These items are listed in my ftc report which I uploaded wihh the a copy of my ID and copy of section 605b.

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 2024-01-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My personal info was subject to identity theft in which multiple items showed up on my credit report between the years of XXXX. These items are listed in my ftc report which I uploaded wihh the a copy of my ID and copy of section 605b.

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are erroneously reporting me as late.

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 2024-01-24 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: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference numberXXXX XXXX XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

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 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Stop contacting me. Robinhood in engaged in criminal fraud that was initially exposed to me by the collapse of XXXX. I will not be paying ANY taxes until I am made whole. Stop sending me marking emails as well, and pay me the marketing btc you owe me. Send my balance to the XXXX bankruptcy XXXX. It was already returned to you by my bank for fraud after you initiated the unauthorized transfer.

Company response to consumer: Closed with explanation