vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: SC

Complaint narrative:
On XX/XX/year> I was alerted through XXXX of a collection account named XXXXLEVATE RECOVERIES LLC  acct # XXXX with an amout past due {$0.00} and a status of chargeoff/collection.i don't have a contract with is company or any financial obligation this is a fraudulent account that needs to be removed from my XXXX crefit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to disputed hard inquiries on my credit report that were made without my consent. I according to section 604 of FAIR CREDIT REPORTING TO SECTION 15 U.S.C 168 1B, there are specific permissible purposes for obtaining a credit. I did not authorize these hard inquiries and can not find any permissible purpose under this section that justifies their presence on my report, PLEAS DELELETE HARD 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: CA

Complaint narrative:
I was mailed two cards from NETSPEND that were not requested by me. I was able to go through the banks online prompts to opt out of their mailing list and to deactivate one card, but could not do that same for the second card. The customer service tried to get me to activate the second card and when I would not told me to call the FTC and report identity theft. I pushed for them to close the account and after being placed on hold I was told the account was escalated and that in 5 - 7 days I could call back. It is clear they mail out cards and hope people activate them or they fail to have adequate internal controls to stop fraudulent accounts from being opened.

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 2024-10-26 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: GA

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy. Transunion has 15 days to reinvestigate.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Flagship Credit acceptance reported balance {$24000.00} as closed accounts and also pursued to collect a balance of {$46000.00} that are both being reported on all 3 credit beaureaus. The account was once deleted and put back on my credit 15 days ago because of the incorrect information that was given along with the documents I provided showing that my sister used my ID to purchase this vehicle because her husband was a salesmen at the dealership while I was incarcerated. Which has nothing to do with me if Im incarcerated and she used my information and he allowed her to. 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which governs how consumer credit reports are accessed and how XXXX XXXX XXXX ( CRAs ) handle personal information. The law states that the banking system relies on accurate and fair credit reporting, and that unfair or inaccurate credit reporting can undermine public confidence and the banking system 's efficiency.

Asking that you once again remove these items from all 3 credit bureaus because this is against the law. The fact that it was taken off and put back on is against the law as well. They also contacted me regarding the matter when the vehicle was never in my possession at all. That too is against the law

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 2024-10-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit Experian permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: FL

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry on my credit report, as allowed under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). I believe this information is not correct, and I am requesting that you investigate this matter promptly.

The item in question is a late payment reported by XXXX for the account number XXXX. The late payment is reported as being dated XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and I firmly believe this is inaccurate for the following reasons : _ There may be a clerical error.

_Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal.

I would like to point out that these late payments are reported only to two credit bureaus and do not appear on my XXXX report. According to the law, if the information is inaccurate or incomplete, it must be removed or updated accordingly.

I also wish to highlight that under 15 U.S. Code 1681s-2, furnishers of information are obligated to provide accurate information to credit reporting agencies. Given the circumstances outlined, I respectfully request that you take the necessary steps to remove this late payment from my credit report as it does not reflect the true nature of my payment history.

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 2024-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I entered a contract with Santander Consumer USA and then did a refi with the my credit union. They have mailed me a gap refund check and an overage payment but have not refunded my Service Contract Warranty. I have reached out to the dealership and was informed that Santander received a check on XX/XX/year> but Santander has not refunded me all of my money only the gap and overage payment was received. I have called in several times and keep being told to wait. I am tired of waiting I want my money NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Complaint to the CFPB Regarding Inaccurate Credit Reporting by Credit Reporting Agencies Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX in Violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) Complaint Details : I am filing this complaint regarding the Credit Reporting Agencies ( CRAs ) failure to uphold the Fair Credit Reporting Act ( FCRA ) obligations and failure to ensure the accuracy of my credit reports. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) review and address these inaccuracies with the CRAs. 

On XX/XX/year> I sent a formal dispute to the CRAs, disputing the inaccurate information being reported on my credit report for the following accounts : 1. Account Name : XXXX 2. Account Name : XXXX XXXX required under 15 U.S.C. 1681e ( b ), all information provided on my credit report must be entirely accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( 5 ), the CRAs are mandated to reinvestigate disputed information and correct or delete any inaccuracies found within a reasonable timeframe. However, despite my formal dispute, the CRAs are still inaccurately reporting these accounts, which continues to damage my creditworthiness. 

Specific Issues with the Reported Accounts : XXXX Account : This debt has never been validated by XXXX, and despite my dispute, the CRAs continue to report inaccurate information. My dispute indicated that, by law, if XXXX fails to validate the debt, the account must be corrected to reflect a paid in full status or removed from my report entirely. 
XXXX Account : Similar inaccuracies persist on this account, despite my dispute and notification to the CRAs. The CRAs have failed to ensure the information is updated accurately or removed. 

By continuing to report inaccurate information despite my dispute, the CRAs are not only violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), but they are also failing in their duty to reinvestigate and resolve disputes fairly and promptly.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On XXXX XXXX XXXX, I was notified by XXXX XXXXXXXX and XXXX of a " major derogatory account '' reported by Creedence Resource Management, XXXX XXXX XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX. They claim I owe XXXX XXXX XXXX {$71.00}. This " major derogatory account '' lowered my XXXX score from XXXX to XXXX. When I contacted XXXX XXXX XXXX on XX/XX/year>, they informed me no money was owed, and made a notation in my file regarding Creedance 's attempt to collect money not owed. I filed a complaint with FTC ( complaint # XXXX ) on XX/XX/year>. On XX/XX/year>, a letter was sent to Creedance demanding proof of this debt. On XX/XX/XXXX, Creedance sent a letter and a " fraud packet '' requesting personal information. I am refusing to give Creedance any personal information. They buy information from the dark web after a breach and use that information to attempt fraudulent collections. 

I hereby declare the above statements are true and correct to the best of my abilities, under penalty of perjury.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to disputed hard inquiries on my credit report that were made without my consent. I according to section 604 of FAIR CREDIT REPORTING TO SECTION 15 U.S.C 168 1B, there are specific permissible purposes for obtaining a credit. I did not authorize these hard inquiries and can not find any permissible purpose under this section that justifies their presence on my report, PLEAS DELELETE HARD 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
Filing a complaint against Robinhood for restricted access to my account, preventing me from withdrawing my available funds, and the inadequate response from their customer support team.

Robinhood restricted my account on XX/XX/year>, claiming suspicious login activity on my account. I explained to them that I was using a VPN, which likely caused this issue. Despite my explanation, they requested that I submit utility bill with my name and address to verify my identity. I provided the requested document on multiple occassions but each time it was rejected without give any specific reasons, and they proceeded with the restriction. 
I have reached out to Robinhood multiple times via email ( XXXX ), explaining my situation, but I have only received automated bot responses and most of the times just been ignored. 

I am seeking the CFPB 's assistance to urge Robinhood to ; 1. Review my documentation thoroughly and accept it as proof of identity Although I have changed my address on Robinhood previously, they're still reporting my old address on the monthly statement. This is most likely why the submitted documents got rejected but they didn't provide any reason so I can't confirm 2. Restore access to my account and allow me to withdraw my funds Current balance : {$2000.00} determined by daily stock market price. Funds invested in XXXX XXXX. Provide a direct and responsive customer service channel to resolve these types of issues efficiently. 

Thank you and I am counting on your support

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXand in person visit to trust bank. 
I have problems in XXXX XXXX. 
Lost my bank summary statements to suntrust bank in XXXX XXXX XXXX through XXXX. 
2. I lost my wallet and all contents.

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 2024-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase has been offering an offer of " spend {$500.00} or more on Chase Travel, get {$100.00} back '' since XX/XX/year>, the last date to redeem the offer is XX/XX/year>. 

I added the offer into my card on XX/XX/XXXX ( confirmed on the secured message with a rep agent, see attachment ), and booked a travel ticket through Chase Travel of {$510.00} on XX/XX/year> ( see attachment ) to redeem the offer. 

However, Chase does not honor the offer and told me that the terms and conditions have not been met without a clear explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Complaint to the CFPB Regarding Inaccurate Credit Reporting by Credit Reporting Agencies Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Credit Reporting Agencies for Reporting Inaccurate Information in Violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) Complaint Details : I am filing this complaint regarding the Credit Reporting Agencies ( CRAs ) failure to uphold the Fair Credit Reporting Act ( FCRA ) obligations and failure to ensure the accuracy of my credit reports. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) review and address these inaccuracies with the CRAs. 

On XX/XX/year> I sent a formal dispute to the CRAs, disputing the inaccurate information being reported on my credit report for the following accounts : 1. Account Name : XXXX 2. Account Name : XXXX XXXX required under 15 U.S.C. 1681e ( b ), all information provided on my credit report must be entirely accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( 5 ), the CRAs are mandated to reinvestigate disputed information and correct or delete any inaccuracies found within a reasonable timeframe. However, despite my formal dispute, the CRAs are still inaccurately reporting these accounts, which continues to damage my creditworthiness. 

Specific Issues with the Reported Accounts : XXXX Account : This debt has never been validated by XXXX, and despite my dispute, the CRAs continue to report inaccurate information. My dispute indicated that, by law, if XXXX fails to validate the debt, the account must be corrected to reflect a paid in full status or removed from my report entirely. 
XXXX Account : Similar inaccuracies persist on this account, despite my dispute and notification to the CRAs. The CRAs have failed to ensure the information is updated accurately or removed. 

By continuing to report inaccurate information despite my dispute, the CRAs are not only violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), but they are also failing in their duty to reinvestigate and resolve disputes fairly and promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 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: NV

Complaint narrative:
Complaint to the CFPB Regarding Inaccurate Credit Reporting by Credit Reporting Agencies Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Against Credit Reporting Agencies for Reporting Inaccurate Information in Violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) Complaint Details : I am filing this complaint regarding the Credit Reporting Agencies ( CRAs ) failure to uphold the Fair Credit Reporting Act ( FCRA ) obligations and failure to ensure the accuracy of my credit reports. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) review and address these inaccuracies with the CRAs. 

On XX/XX/year> I sent a formal dispute to the CRAs, disputing the inaccurate information being reported on my credit report for the following accounts : 1. Account Name : XXXX 2. Account Name : XXXX XXXX required under 15 U.S.C. 1681e ( b ), all information provided on my credit report must be entirely accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( 5 ), the CRAs are mandated to reinvestigate disputed information and correct or delete any inaccuracies found within a reasonable timeframe. However, despite my formal dispute, the CRAs are still inaccurately reporting these accounts, which continues to damage my creditworthiness. 

Specific Issues with the Reported Accounts : XXXX Account : This debt has never been validated by XXXX, and despite my dispute, the CRAs continue to report inaccurate information. My dispute indicated that, by law, if XXXX fails to validate the debt, the account must be corrected to reflect a paid in full status or removed from my report entirely. 
XXXX Account : Similar inaccuracies persist on this account, despite my dispute and notification to the CRAs. The CRAs have failed to ensure the information is updated accurately or removed. 

By continuing to report inaccurate information despite my dispute, the CRAs are not only violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), but they are also failing in their duty to reinvestigate and resolve disputes fairly and promptly.

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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation