vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
RANDOLPH BROOK FED CR, please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX of XXXX  This account and debt should have been ceased as of XXXX Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I noticed that the date of last payment and date last active says XXXX, which is incorrect, and I have all documents to prove otherwise. The account is due to be removed from my credit report in XXXX I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, and I expect the following account to be deleted from my credit report within 7 days : RANDOLPH BROOK FED XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
On XX/XX/XXXXXXXX  I paid what I thought to be a debt showing for {$980.00} that was settled for {$410.00} for XXXX XXXX  which at the time of XXXX  stated on my credit report, was the financial company handling the XXXX credit. The debt holder was originally XXXX XXXX  which then was sold to Distrssed Asset Protfolio III, LLC which was then sold to Unifund CCR , LLC. I called Unifund CCR LLC on XX/XX/XXXX and explained that I had a date, dollar amount, and reference number for the supposed debt paid off. The representative explained that they would not give a reference number but would send out a letter saying that the debt had been paid off with the agreement. I never received such a letter which makes me believe that I was scammed. So I filed a dispute with Unifund CCR LLC, XXXX, and XXXX to have the item removed from my credit report. XXXX has come back twice now saying that the debt is accurate however, the rep from XXXX stated that they are only reaching out to Unifund CCR LLC to verify if the debt is accurate. They are not going back to the original owner XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX three times. On the 1st attempt to call I was transferred over to XXXX which just brought me to an automated 2-option selection screen. On the 2nd attempt, I was hung up on by the rep XXXX when I asked for a copy of the original contract. On the 3rd attempt, I was connected with a rep by the name of XXXX. She told me that XXXX XXXX could not and would not supply me with the original contract and that I needed to contact XXXX to get that. I knew this not to be true but I called XXXX and spoke with the rep XXXX and she said no that would be supplied by the bank because they do the financing. 

What is to stop these debt buyer companies or people from double dipping on debt that is owed or not owed? I have worked very hard to keep track of my credit report and just had to file a fraud report yesterday ( XX/XX/XXXX ) because someone opened a credit card in my name. This is happening more and more every day and people like me are getting hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I have been a long time user of Robinhood ( since XXXX  ). I opened a cash management account during the early rollout and have used it as my primary debit card since. I have kept a significant amount of money there due to the high interest they paid out yearly and have been quite happy. Upon returning from the holidays, I found that my account was restricted, which I had assumed was fraud so I called support for assistance. 

This call led me to find out that apparently my cash management account had been rolled into some other form of account as they had sunset my cash management account. 

The result of this is that I am unable to withdraw money from the account using my debit card because, according to support over the phone, Robinhood lacks the proper licensing in XXXX for this new account to allow me to withdraw funds using the debit card they issued me. 

I have no other recourse other than to withdraw my money and move it to another bank so that I can use my checking account. 

I find this unacceptable and the fact they they would move me to a new account without the necessary licensing to continue my day to day operations is illogical. 

I received no notice from the company that this was happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
During XX/XX/XXXX   XXXX XXXX charged me a late fee and reported a late payment to the credit reporting agencies. Experian, XXXX, and XXXX are all reporting this late payment which is a violation of 15 USC 1681 ( a ) ( 2 ) ( 1 ). Which states a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. Since XXXX XXXX charged me a late fee, which is a transaction the credit reporting agencies should not be reporting the transaction on my credit report. 

The credit reporting agencies are reporting a factual inaccurate late payment. Please see the attachments and evidence.

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 2024-01-11 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-11 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied and was accepted for an American Express XXXX XXXX XXXX Credit Card on or around XX/XX/, with a welcome offer of XXXX bonus XXXX XXXX upon meeting a minimum spend ( " Threshold Amount '' ). Here are the terms of the bonus offer : " Card Members who apply through this offer and are approved for the XXXX XXXX XXXX XXXX can earn XXXX Bonus Miles after {$4000.00} or more in eligible purchases are made on the Card within 6 months of Card Membership. '' I met the Threshold Amount on XX/XX/2023. According to the terms of the welcome offer, " Bonus miles will be credited to your account 8-12 weeks after you reach the Threshold Amount. '' It has been 19 weeks since I met the amount, and I have not received my miles. 

I contacted American Express and spoke to an agent at least seven times since XX/XX/2023 attempting to resolve this issue. According to American Express, this is a known technical issue within their company leading to a delay in processing the miles. I have been assured on the record by multiple American Express representatives that I would receive my XXXX miles ( a value of nearly {$1000.00} USD ) within a few weeks each time I reached out, and I still have not received my miles, which I am owed per the terms of their agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I am seeking a balance check in order to dispute a transaction in the amount of {$48.00} made on XX/XX/2024. The company provides a website vanillagift.com and a page to check the balance. However when checking the balance an error is shown " A system error has occurred. Please try again later ''. This occured on Thursday XX/XX/2024. When calling the customer support number, an automated robot asks me to enter the two numbers spoken as a security challenge in order to continue the call. The numbers are XXXX XXXX. When I enter the numbers, the robot says that the entry is incorrect and abruptly terminates the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-11 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I have a Wayfair account that is through Citibank credit card company. There was a balance on my account that I reported as fraud ( identity theft ) for a purchase that I did not make. I contacted the company ( Wayfair ) and also Citibank. They said they would look into it for me. Wayfair determined I did not make the purchase because I've always paid for whatever I ordered through them in a timely manner and my account balance is XXXX. Citibank shows on my XXXX report as saying the charge was accurate ( which is not true ) and they have refused to delete the charge which is killing my credit score. I have uploaded my Wayfair account to them but I do not trust them anymore. I have been a victim of identity theft in the past and it's not good and it's really hard to recover from that. I've been working so hard to get my credit back up and I try to make all my payments on time and pay things off as quickly as I can. I want my credit report score to be back over XXXX which it was prior to this fraudulent charge showing up on my name. Citibank is not doing a diligent job of accurately finding out what happened. I have not been given any proof that I made a purchase and have not seen a product for the price. I did not purchase any type of Internet service from 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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
XX/XX/ a purchase of a XXXX product was made and funded via AFFRIM ( loan XXXX XXXX ) The product caused over XXXX in damages to my wood floor. I reached out to XXXX explained and was instructed all they could do was refund AFFIRM and take back the machine but if the damages needed repair, they advised to reach out to the manufacturer, I did and they took the machine back. I made XXXX and AFFIRM aware starting in XXXX. Providing emails and proof from the manufacturer I was no longer in possession of an item I was still paying on. I was ping-ponged back and forth. Affirm said they needed XXXX to tell them it was returned, XXXX stated they did but because it wasn't back to them they can't. I went on like this for months all while having autopay on for an item I didn't have, finally, XXXX I was fed up and demanded it is rectified via arbitration on both ends, I shouldn't pay for an item I no longer had, I then heard back from XXXX who after searching found all the proof sent months back and communicated with AFFIRM who then on XX/XX/ confirmed they were fixing this and considering it paid in full and provided me the email stating it was satisfied in full and indicated they were sending a check for {$25.00} as I overpaid. On XXXX apparently, an email was sent that I didn't see stating they were putting me into collections for {$25.00}. I provided the collection company the proof and again back at it emailing AFFIRM asking why this was done and IF I owed money why would they send me a check and state in the email I overpaid. Now it shows as collections of 60day on my credit, it ruined my chance at a loan I needed, Im being harrased by debt collectors for this a and suffered a hit to my credit and was denied a loan that I needed for a repair. This should be illegal, how come they are only made to " correct '' the report but the damage to me is far worse and lasting especially now the underwriting dept has it as I was under a collection.. I am demanding retribution and am looking into legal guidance and to what can be done. ALSO, YOU WILL FIND IN SCREENSHOTS THERE ARE MISSING CONVERSATIONS FROM AFFIRM THAT I SAVED BUT IN THE PORTAL THEY ARE NO LONGER THERE. XXXX WAS THE LAST PERSON I SPOKE TO WHO HAD HANDLED THE REFUND. NOW HIS CONVERSATION IS NOT FOUND so that is another aspect of fraud I request being looked into I appreciate all who help, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
in XXXX of XXXX  i recieved a notice of a collection account with a balance of {$440.00} of principal, {$98.00} in interest and {$260.00} in fees for a total of {$800.00} was sold to XXXX  XXXX XXXX XXXX. on XXXX connected to my name and information that is not mine. i disputed this with the debt collector as per the instructions on the letter stating the transaction is no longer owned by citibank.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration regarding the unresolved disputes I have filed with XXXX, Equifax, and XXXX. Despite my repeated attempts to rectify inaccuracies on my credit report, it has been over 60 days, and I have not received any response from your agency. 

I have meticulously detailed the accounts in question in my dispute letters and explicitly outlined the violations these accounts represent in terms of the Fair Credit Reporting Act. The lack of acknowledgment and resolution from your end is not only alarming but also a blatant disregard for the rights granted to me as a consumer. 

In accordance with the Fair Credit Reporting Act, it is imperative that the information on my credit report is 100 % accurate. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), the accounts in question are in direct violation of these provisions by failing to report accurate information within the stipulated timeframe. 

I am attaching copies of all the letters I have sent previously for your reference. It is disheartening to see the lack of urgency and commitment to resolving these issues, which are impacting my financial standing and overall well-being. 

I demand immediate attention to this matter and a thorough investigation into the violations outlined in my disputes. The persistence of these inaccuracies not only jeopardizes my financial health but also undermines the integrity of the credit reporting system. 

I expect a prompt response and resolution to these issues in compliance with the Fair Credit Reporting Act. Your cooperation in rectifying these violations is crucial to restoring my confidence in your agency. 

Thank you for your urgent attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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: United Revenue Corporation
State: TX

Complaint narrative:
United Revenue failed to correctly follow practices of the FDCPA. Not only have they been advised that my information was involved in an XXXX data breach, they failed to provide any debt validation ; signature binding me to an agreement with United Rev ; license to collect debt in the state of Texas ; and the requested forward flow agreement. To my knowledge, this is illegal and clear gross misconduct in which I am able to sue. Furthermore, this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information. Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days, and you must delete the items from my credit file immediately.

UNITED REVENUE ( Original Creditor : XXXX  XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: UPGRADE, INC.
State: PA

Complaint narrative:
in accordance with the Fair Credit Reporting Act this XXXXXXXX XXXX XXXX XXXX XXXX USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan so late for any purpose

Company response to consumer: Closed with explanation