vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I have on multiple occasions attempted to withdraw my funds from the Robinhood platform. Despite the funds being marked as " withdrawable '', my requests for withdraw are repeatedly denied. Robinhood has provided me with the reason for this issue is due to having to verify my ID, which I have done multiple times with numerous Robinhood associates over the course of 4 months. Robinhood has prompted me to provide them with the front and back of my driver 's license, and a live selfie in order to verify my ID and lift the restriction that is on my account to allow for withdrawal. I have provided Robinhood with this information numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: IL

Complaint narrative:
I, the consumer and natural person, was denied credit by Bankers Healthcare Group Financial when I applied for {$100000.00} on XX/XX/year> for my business XXXX XXXX XXXX XXXX XXXX. According to the Fair Credit Report Act, there is no statute of limitation on fraud. As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S. Code 1691 ( C ) you assume civil liability pursuant to 15 U.S. Code 1691 ( K ). Bankers Healthcare Group Financial has violated my federally protection consumer rights as follows : 1. 15 U.S. Code 1642 2. 15 U.S. Code 1681M 3. 12 CFR 1002 4. 18 U. S. Code 1348 5. 18 U.S Code 2314 6. 18 U.S Code 657

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: FL

Complaint narrative:
I want you to investigate this inappropriate information on my credit report and after investigating please delete it! 


Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$820.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1700.00} Account Number : XXXX XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$770.00} Account Number : XXXX XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$0.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$1900.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance {$2900.00} Inquieres -- -- -- -- -- XXXX XXXXI XX/XX/XXXX AXXXX 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 2023-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Midland funding keeps making false payments on my payment history record ; not even trying to be believable, saying I've made 1 & 2 dollar payments and when I dispute those payments they just remove them and add new ones. I do not like all the misleading activity and feel helpless. 
Please help me handle this by the Fair Debt Collection Practices Act Midland Funding should be removed from my credit report effective immediately. I have disputed many false payments made on my reports even payments of 1 & 2 dollars just to look later and they've added new false payments just different dates. 
I was unaware of all this until XXXX when I started to try & keep track of my credit. I actually forgot about all this because I have not made a payment on this since the XXXX of a loved XXXX XXXX. I believe they have been & are illegally trying to prolong their credit case against me & probably other people. 
ALL MIDLAND FUNDING ACCOUNTS NEEDS TO BE INVESTIGATED TO FIND ALL CRIMINAL ACTIVITY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I have not been able to access my USAA banking statements or accounts since XX/XX/23. 

I lost access to the enhanced logon to my account, which is, in addition to a logon and password, a secondary authentication method of verifying my identity. When I called USAA on XXXX, USAA insisted that I needed this enhanced logon in order to speak with an account recovery specialist. They asked me to upload my identification to a USAA website : XXXX. I uploaded a high resolution photo of my passport on XX/XX/23, and the website confirmed it was sent. They told me it would take XXXX to XXXX hours for a phone call from USAA. USAA did not call. 

I called again on XX/XX/23 and XX/XX/23. They asked me to use the website ( USAA.com/verify ) again to authenticate my identity. I submitted again. I still have not received any contact from account recovery services. Nearly week after my initial phone call to USAA, I am not certain I will be able to move money from accounts to pay bills. And because my statements are online, I do not have access to my statements.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no knowledge of this account listed as XXXX XXXX XXXX XXXX I requested information on account ownership from both the credit bureaus directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it. I need a signed loan contract or agreement showing I own this 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 2023-12-11 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: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After getting a full credit report for all three credit agencies XXXX, XXXX and Equifax, I noticed that some items were not on my credit report and also XXXX has not updated my credit report since XXXX when it comes to my credit cards missing information. My XXXX report shows that I am an authorized user of XXXX XXXX Reported : XXXX XXXX, 2023 for a credit line of {$1200.00} and 19 years and 3 months. But this account is missing on my XXXX and Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: NY

Complaint narrative:
It has come to my attention, upon further investigation, that Transunion, XXXX and XXXX are all violating federally protected consumer laws by selling nonpublic personal information and allowing companies to commit fraud with my estate and violate the privacy act. I have not granted permissible purpose pursuant to 15 USC 1681. All 3 companies have allowed income to be reported on my reports in the guise of a " charge off '' ( certificate of indebtedness ). They are aware that income is not to be reported on any persons credit report. All 3 companies have violated 15 USC 6802 thru 15 USC 6805 and no option to opt out of reporting were given at any time. All 3 agencies have inconsistencies through out ALL 3 reports are to remove the following from my credit report. If anything that has not been validated by myself, remains on my report, I reserve my right to file suit. All communications will be utilized as evidentiary information. 

TRANSUNION : REMOVE EMPLOYMENT " XXXX XXXX XXXX ''. REMOVE ALL ADDRESSES, THEY ARE NON-MAILABLE ADDRESSES. REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX. REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX XXXX XXXX. REMOVE XXXX XXXX XXXX XXXX REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX. ALL COMPANIES HAVE FAILED TO RESPOND TO DEBT VALIDATION LETTERS. HARD INQUIRIES TO BE REMOVED XXXX XXXX ( bank ). 

XXXX : REMOVE NON MAILABLE ADDRESS- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. REMOVE ACCOUNTS FOR FAILURE TO VALIDATE : REMOVE XXXX XXXX XXXX XXXX REMOVE XXXX - XXXX XXXX, REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX BANK XXXX : REMOVE EMPLOYMENT " XXXX '', REMOVE " XXXX XXXX ''. REMOVE FOLLOWING NON MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '', REMOVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, REMOVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX, REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX XXXX XXXX XXXX REMOVE XXXX XXXX. 

please be advised, if ANY of the above information remains on my report, i reserve my right to file suit against all 3 bureaus. I XXXX XXXX XXXX have NOT validated ANY of the above information nor was permission given under 16 CFR 313 and 15 USC 1681. I am the only one who can validate any information and I exercise my right to OPT OUT of reporting THAT I DO NOT AUTHORIZE. THIS IS A FINAL NOTICE.

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 2023-12-11 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: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-11 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:
XXXX Account number XXXX has violated my rights. In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy.15USC1681s-2 ( A ) states that a person shall not furnish any information relating to 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 non-monetary relief
Consumer complaint received 2023-12-11 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: WI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017 This account has incorrect information, I want it removed from my credit 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 2023-12-11 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: WI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2017 This account has incorrect information, I want it removed from my credit 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 2023-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
The accounts are a result of the XXXX XXXX XXXX data breach and the XXXX XXXX breach. My information was leaked and I was affected. I have filed identity theft reports in XXXX, XXXX, XXXX and XXXX due to the leaked credit information used as fraud. I have tried to dispute information and have been unsuccessful and companies are says info is verified and charged off with no proof of this being the authorization on myself. No explanation in writing or reasoning for validating debt. Being that said it is charged off and no 1099c was sent to me via mailing or email. 
Accounts : Transworld Systems INC- Disputed and company did not send verification of debt as it relates to company. Requesting removal from all three bureaus immediately. 



On XX/XX/XXXX the CFPB posted ; the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), which both enforce fair credit reporting laws, filed an amicus brief in the U.S. Court of Appeals for the Second Circuit in XXXX XXXX XXXX XXXXe Bank, to help ensure that companies that provide information to credit reporting companies comply with the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong. 

All debt above are reporting inaccurate info and is result of identity theft. 
Also, according to the CFPB XXXX case against TSI Transworld Systems ; against consumers of student loans filed lawsuits that they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Then they were ordered to pay {$2.00} million for penalties. They ( TSI ) still use frivolous tactics against consumers and is the reason I am filing a complaint against Transworld. System Inc. 
Hoping this can be taken into consideration of the companies non truthful business tactics. Same letter was sent to all 3 agencies for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed attached in document

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: CA

Complaint narrative:
This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
On XX/XX/XXXX a workman compensation settlement was to be direct deposited to my account in the amount of XXXX. The law firm that sent it said it cleared on the XXXX XXXX XXXX, i however missed a number on my account, now i have been ran in circles for a month trying to locate funds. I have been giving conflicting info by multiple supervisors, i was told on XX/XX/XXXX thats the funds had been located and being sent back to my lawfirms bank.The law firm never recieved anything back, now the bank customer service is being no help told me contact irs, which i did and they have no clue what the bank is referring to.Today i was told the money went in the wrong account and has been spent. So now a month after this all began XXXX looking at eviction.money network has stolen XXXX from my family!

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 2023-12-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: NM

Complaint narrative:
Received two emails in XXXX from Marcus ( affiliate of Goldman ) which stated they transferred servicing of two loans I had with Marcus to XXXX and XXXX XXXX. Emails advised that there would be a new email with new account information from XXXX and XXXX XXXX - nothing received either by XX/XX/XXXX ( as originally stated in first email ) or by XX/XX/XXXX ( stated in second email ). I no longer have access to see what my balances are or a method of making payments. Representative of Marcus stated in phone call that automatic debit would continue ( WITHOUT MY AUTHORIZATION OR MY ABILITY TO CHECK OR MODIFY ANYTHING ). Information publicly available is that XXXX and XXXX website is unsecure and does not even have a security certificate with XXXX. I have no way to see what is going on and calls to Marcus are automatically directed to XXXX and XXXX XXXX and I have been cut off from automatic holds three times in a row.

Company response to consumer: Closed with explanation