vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: MT

Complaint narrative:
This company issued a loan with over 160 % interest, which is a predatory loan. When this was brought to my attention, I attempted to contact the company to correct it and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial 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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX, and XXXX, XXXX, several banks ran hard inquiries to apply for credit cards or bank accounts that I never applied for. 
XXXX XX/XX/XXXX XXXX, XXXX, and XXXX XXXX XXXX / XXXX o XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a debt collection from XXXX XXXX XXXX who claims I have a credit card account with capital one with a balance of {$420.00}. They say this was opened XXXX of XXXX. I was not of age to open this account nor was this account made under my discretion. I tried disputing several times and called XXXX but they stated they would not remove it unless documented due to me having no form of documentation stating this was under identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Problem : Robinhood is not transferring {$8000.00} of my funds to the Verified bank account of mine they have in their system. This has been going on since XX/XX/XXXX. They did transfer {$2000.00} before fully locking down my account. I am unable to reach support despite trying every possible venue and following all instructions. 

Full timeline with screenshots is available, below is a summary of key events XX/XX/XXXX - Checking account was successfully added to Robinhood and verified XX/XX/XXXX - {$10000.00} was successfully deposited to Robinhood from this verified account XX/XX/XXXX - First attempts to withdraw money to Verified account added on XX/XX/XXXX. All Failed. No success via support. 
XX/XX/XXXX - XX/XX/XXXX - Failed attempts to withdraw money to Verified accounts. No success via support XX/XX/XXXX - Successful attempt to withdraw {$1000.00} twice to Verified account. Failed further attempts. No success via support. 
XX/XX/XXXX - In parallel, started an attempt to migrate account to XXXX from Robinhood via XXXX. 
XX/XX/XXXX - XXXX ( XX/XX/XXXX ) - Continued attempts at contacting Robinhood support and/or transferring funds, promptly fulfilling requests from Robinhood to sharXXXX statements etc. Only unhelpful automated responses and tickets opened that are reported closed when I promptly call Robinhoods support number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CITIBANK, N.A.
State: MA

Complaint narrative:
Received credit card letters saying I applied and I did not apply. Can not get a hold of a real person to speak too. 
Citi application ID XXXX dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Received credit card letters saying I applied and I did not apply. Can not get a hold of a real person to speak too. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bank of America reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking 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 non-monetary relief
Consumer complaint received 2024-12-30 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: CORELOGIC INC
State: GA

Complaint narrative:
XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Corelogic, XXXX XXXX  XXXX XXXX XXXX, is a Third-Party Collection Corporation . It is in violation of 18 USC 894Conspiracy. The law clearly states that this is a violation against this corporation. XXXX Credit Agency has no right to my private and personal information. 15 USC 1681No permissible purpose. 18 USC 894- States whoever knowingly participates in any way or conspires to do so in the use of any extortion means to collect any extension of credit or to punish any person for the nonpayment. Therefore shall be fine under the title or in prison not more than 20 years. Conspires means_ someone who commits a crime. XXXX Conspired with credit furnishers such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  by providing these corporations my private information without my knowledge or consent. These are strangers and I do not know or have a binding contract with XXXX and or any of the corporations who was given my information without consent. This is also aggravated identity theft on XXXX 's part.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
They refuse to delete the incorrect information on my Captial One Card from XX/XX/year> under Status : Paid, Closed {$430.00} Written off. Yes Ive called Capital one also and send them the same paperwork and nobody wants to fix this let alone delete it of my account since the information is false and reported incorrectly. And pursuant to the law this should be deleted of my credit report entirely. 

This is a lie, I paid the account in Full and Closed the account myself. I have sent proof to both XXXX and to Capital one and they both refuse to do what they are legally obligated by law to do pursuant to 15 USC 1681. 

The information listed is false and inaccurate and is effecting my credit negatively, I have sent proof repeatedly regarding this issue. Without a resolution? What do I do to get someone to do what the law says they're supposed to do when the information is incorrect and false? 

DO I need to hire an attorney and sue them both for Defamation since neither party wants to fix the problem correctly by deleting it since the information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Hi Midland funding XXXX Midland Funding XXXX is reporting to my credit. I have already paid them. They actually garnished my checks. So how are they still reporting to my credit. I wrote letters to the credit agencies and they keep saying that they verified. This is a violation of the fair credit reporting act. I am ready to file a compliant with the Federal Trade Commission as well. Please help me with this because I am unable to handle my business as far as refinancing my house. They have been reporting untrue information about me for years and this is unacceptable. I have proof that I have paid these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citibank within the 37 day cancellation window to cancel a XXXX XXXX XXXX XXXXXXXX XXXX XXXX credit card ) since I did not want the benefits of the card and did not want to pay the renewal annual fee. The agent who I spoke with confirmed that the call was made on time and the charge would be removed. My wife was listening to the call and is witness to this conversation. Subsequent to that, Citibank cancelled the card but wants to charge me the annual fee and penalty ( {$620.00} ). I have called multiple times, and I keep getting transferred to different agents. Some of them tell me the call was not made within the 37 day window, some tell me that the card had to be cancelled ( not the request for cancellation ) within 37 days, so I was a few days late and they can not remove the charges. Some times I am put on hold for a long time and then the call hangs up. The entire experience has been very frustrating and at the end, Citibank wants to charge me an annual fee of {$620.00} for a cancelled card and no benefits. This is very unfair and causing me a lot of stress.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
On XX/XX/year> I sent a letter to XXXX XXXX XXXX requesting validation for a debt that they say I owe. In response I received a letter from them on XX/XX/year> with a final account statement and a lease that did not correspond with one another that they say was the evidence that verified this debt. Upon looking at the information that XXXX 's provided I notice that the final account statement lease dates does not match the lease that was provided. The lease that was provided states that it is a renewal lease in which I never signed a renewal lease. I only lived in the apartment for one year. They wouldn't allow me to renew the lease until I had allege balance paid off which was incorrect. On the renters ledger account, they have fees and balances that are inaccurate which I sent all the proof to show that this account thats reporting is inaccurate. I resent another letter on XX/XX/year> to XXXX 's letting them know that the lease they provided is not the accurate lease for the term I stayed in the unit. It is now XX/XX/year> and XXXX 's have not responded. I then take this situation to the CRA 's and sent them all the proof that this debt is reporting inaccurating and the debt collector is trying to collect a debt based off of false paperwork from the original creditor. In response, XXXX and XXXX has responded that the debt is accurate and will remain on my credit report. With all the proof that I've sent them that clearly shows that this debt is not accurate, they are still reporting that it is which is a huge voliation to the FCRA. Neither XXXX XXXX XXXX or the CRA 's are willing or trying to fix this sitiuation in the right way which is deleting this inaccurate information from my credit report which is affecting my ablity to obtain credit. I have sent you all the proof that I've gathered up to show that this account is inaccurate and needs to be removed promply.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/year> I sent a letter to XXXX XXXX XXXX requesting validation for a debt that they say I owe. In response I received a letter from them on XX/XX/year> with a final account statement and a lease that did not correspond with one another that they say was the evidence that verified this debt. Upon looking at the information that XXXX 's provided I notice that the final account statement lease dates does not match the lease that was provided. The lease that was provided states that it is a renewal lease in which I never signed a renewal lease. I only lived in the apartment for one year. They wouldn't allow me to renew the lease until I had allege balance paid off which was incorrect. On the renters ledger account, they have fees and balances that are inaccurate which I sent all the proof to show that this account thats reporting is inaccurate. I resent another letter on XX/XX/year> to XXXX 's letting them know that the lease they provided is not the accurate lease for the term I stayed in the unit. It is now XX/XX/year> and XXXX 's have not responded. I then take this situation to the CRA 's and sent them all the proof that this debt is reporting inaccurating and the debt collector is trying to collect a debt based off of false paperwork from the original creditor. In response, Experian and XXXX has responded that the debt is accurate and will remain on my credit report. With all the proof that I've sent them that clearly shows that this debt is not accurate, they are still reporting that it is which is a huge voliation to the FCRA. Neither XXXX XXXX XXXX or the CRA 's are willing or trying to fix this sitiuation in the right way which is deleting this inaccurate information from my credit report which is affecting my ablity to obtain credit. I have sent you all the proof that I've gathered up to show that this account is inaccurate and needs to be removed promply.

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 2024-12-30 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 2024-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
Car was repossessed approx XX/XX/year>. auto lender ( United auto credit ) refuses to disclose name of tow company used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-30 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : sync care credit # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX, and XXXX, XXXX, several banks ran hard inquiries to apply for credit cards or bank accounts that I never applied for. 
XXXX XX/XX/XXXX XXXX, XXXX, and XXXX XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BK OF AMER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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