vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. Screenshots show the reporting company 's inconsistent reporting data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-05-25 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: Kikoff Inc.
State: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been applying for rental properties and have now been denied for three homes as a result of false information provided by TransUnion rental screening products to third parties. I contacted the company XXXX, used by a company called XXXX XXXX to screen tenants for home rentals. XXXX XXXX informed me I was denied housing as a result of an eviction on my background screening. I contacted XXXX who verified they in fact, do rental screenings for the property management company and reported the information provided was false. I also provided proof of the inaccuracy as TransUnion reported I was evicted from a home I currently reside in. Their records state I have a forceable entry and judgment in the amounts of {$160.00} and {$120.00} dollars for a property I pay well over {$2000.00} to rent. Allegedly based on their information, this occurred in XXXX, however, during the COVID pandemic, I was affected, lost my job and got behind on my rent between late XXXX and early XXXX. I was successfully awarded over {$7000.00} in emergency rental assistance for the exact property TransUnion states I was evicted from in XXXX and have had no other issues affecting my rent, payments and have had no evictions occur.

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 2024-05-25 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute a late payment entry on my credit report. According to the report there is a late payment recorded for account : XXXX Acct # XXXX Dates : XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 I request that you update my record for dates mentioned to ok or payed as agreed for the following reasons : 15 U.S. Code 1681sXXXX responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information. 
XXXX. Prohibition a ) reporting information with actual knowledge of errors. 

15 USC 1681a 2 ( A ) ( i ) -exclusions- except as provided ( 3 ), 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 payment. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution. 

Sincerely, 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 2024-05-25 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: CO

Complaint narrative:
I simply woke up to alerts at banks I have never heard of and most alarmingly, I am not applying for credit anywhere right now. the recent inquires were from XX/XX/2024.

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 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
I have had an account with Robinhood for approximately XXXX years. I have bought XXXX online with this company, and have approximately {$1000.00} in my account with about XXXX different XXXX. I have not cashed in any XXXX since the XXXX XXXX went down. At the first of XX/XX/2024, I was able to get into my account to get my tax information. Sometime since then, Robinhood has locked me out of my account and will not allow me access. No matter what. They keep sending me emails, which still do not allow me to access my account. I have sent them numerous messages via email. Their customer service number just drops the call. There is no way to talk to them in real time. When I log in they want my banking login and password and/or my ID. I feel that fraud will be done on me, or my identity compromised if I do this, as I have never had to do this before. I reported this to the XXXX XXXX XXXX -- -useless, as Robinhood gives the same CANNED response to everyone, and nothing is done. Look on complaints about Robinhood from the XXXX Recent complaints where many are being locked out of their accounts for no reason. I received a message today about my " trades '' -- I have not done any " trades '' as I am locked out of my account. This makes me afraid that they are now in the process of stealing my money! All I want now is to get a refund of any money that I have in Robinhood, and get away from them as soon as possible. Apparently they have turned " rogue '' and are stealing clients money. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> @ XXXX my son attempted to send {$20.00} to his cousins XXXX XXXX XXXX When he saw that the name changed during the transaction To a different XXXX XXXX XXXX because that has never happened before during a transaction transfer. 

He immediately tried to cancel but cashapp sent an email claiming {$200.00} failed for your protection. 
My son confused because how did the entire amount in his account went to a completely unknown XXXX XXXX XXXX XXXX 
Since this person is unknown and isnt a family member. 
Since he received an email claiming the money was sent back into his cashapp account, he checked his cashapp account but there was no money. 

Upon checking the money was completed within a minute! @ XXXX on XX/XX/year> How is this? If no one sent money to this XXXX person? 


We call cashapp customer support and were explaining what happened. 
Customer support claimed they could help but need more information. 
We were advised to request a refund from XXXX XXXX XXXX while on the phone with customer support This stranger ends up declining the refund request @ XXXX XX/XX/year>. 
Cashapp claims they cant help! Since it was up to the stranger to send the money back.?! 
I get upset and cashapp support hangs up. 


I decided to send visual proof of screenshots of emails, account details of history on transactions. 
Cashapp ends up claiming that : : : This payment is not registered in your sons account So we sent proof of email from cashapp to my son claiming {$200.00} was refunded back into your cashapp account for your safety. 


Then cashapp claimed Oh, that happened but it didnt happened within the same hour. 
Huh? Why are they even mentioning that? 

I send them proof of times of XXXX failed attempt, XXXX money went missing into strangers account without a manual transfer. 
And I send them proof of decline of request for refund at XXXX by the stranger. 


So cashapp now says Well your son sent the money to the person a second time. @ XXXX and its on your sons transaction history. Your son sent money to the person when the person requested {$200.00} from your son I send proof of transaction history and there is nothing about a requested of {$200.00} from that stranger to my son! a second transaction sent within a minute? my son and I was already conacting cashapp through emails by then. 
My son isnt a tiny little toddler to be sending money to strangers. 

There is no absolute proof of a requested {$200.00} from this XXXX XXXX XXXX Cashapp wont acknowledge my sons transaction history showing that there was NO REQUEST OF {$200.00} FROM THIS INDIVIDUAL AND REQUEST WAS ACCEPTED FOR {$200.00} @ XXXX FROM MY SON!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: Self Financial Inc.
State: MI

Complaint narrative:
I requested an investigation into the reporting of inaccurate and outdated information to be removed from my credit report. The inconsistent information that the credit agencies are furnishing has significantly ruined my credit 's worthiness for the entirety of this year, last year, and several years before. I have repeatedly requested that the information on my report be at least accurate. The numerous investigations that were completed as a result of my submitted complaints have been answered with generic responses that the information being reported by the credit agencies is verified as accurate. Well, I have attached proof that the so-called investigations have failed to provide me with accurate information. This communication is not requesting that the information be updated on my reports. I want the inaccurate and fraudulent accounts removed in it's entirety. I will be reporting my concerns to the FTC for their refusal to remove all outdated and inaccurate information from my credit reports. The credit reporting agencies have a duty to provide consumer reports with accurate reporting. See screenshots for proof of inaccurate information. Self has blemished my credit standing due their negligence and refusal to execute a thorough investigation. This fraudulent account is being reporting numerous times on my credit reports. Their company is negatively affecting my credit reports. I want damages for the negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: SC

Complaint narrative:
15 USC 1681eb. Inaccurate information on XXXX account. The account is closed and showing open on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: AES/PHEAA
State: FL

Complaint narrative:
I am writing to submit a XXXX XXXX XXXX XXXX application regarding the XXXX XXXX loans I obtained to finance my education at XXXX XXXX XXXX, a subsidiary of the now-defunct XXXX XXXX XXXX XXXX XXXX I enrolled at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX with the expectation that I would receive a quality education and that the programs offered would lead to meaningful employment opportunities upon graduation. However, my experience at tXXXX XXXX XXXXXXXX was marred by deceptive practices that misled me and other students about the true value of the education we were receiving. XXXX XXXX XXXX engaged in deceptive practices, including but not limited to : Inflating Job Placement Rates : XXXX  XXXX XXXX misrepresented its job placement rates, leading students to believe that a higher percentage of graduates secured employment in their field of study than was actually the case. These inflated statistics were a significant factor in my decision to enroll in the program. Misrepresenting Program Value : XXXX XXXX  XXXX misrepresented the value of its programs by exaggerating the skills and knowledge students would acquire and the earning potential upon graduation. These misrepresentations induced me to take on significant XXXX XXXX  debt to finance my education. In my first year, they advised I would need additional funding and that I could not get any additional federal funding until the following year. I had to go through a company called XXXX XXXX XXXX ( which later got bought out by American Education Services ) for additional funding which would allow me to complete the remainder of my classes and graduate on time based on their initial trajectory. As a result of XXXXe XXXX XXXX 's deceptive practices, I have incurred substantial financial hardship, and the education I received has not provided the promised benefits. I am now struggling to repay my student loans, had to file for XXXX XXXX bankruptcy in XXXX just after graduation, was delayed for almost XXXX years to be able to purchase a home, and on top of that, I could not land a job in my field of study that could even remotely support these high payback amounts. In XXXX years of payments, the principle balance has only gone down {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify is accurate : XXXX Acct # 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 2024-05-25 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: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I always make payment of my Apple Card in full using my phone on the due date. There is only XXXX bank account in my Apple Wallet. I have made payments in this manner and from this account from at least XX/XX/XXXX. I made a payment in this manner on XX/XX/XXXX. My phone showed that my payment was successful. I left on a business trip and had no reason to use my card again until I returned on XX/XX/XXXX. My card was denied when I attempted a purchase. I checked my email and saw that the payment was denied. The email showed that the issuer attempted to take the payment from an account ending in XXXX which is not the account in my Apple Wallet. Realizing there was an error by the issuer in processing the payment, on XX/XX/XXXX I made the paymentin the same manner as described above using the account in my Apple Wallet. This payment was successful. 

I called customer support on XX/XX/XXXX to explain what happened. I was advised that I had been charged {$92.00} in interest because of the late payment. I asked that the interest be waived because the failure to process the payment on time was the result of the issuer using the wrong account. On XX/XX/XXXX Customer Service told me there would no waiver because I used the wrong account. I asked to speak to a supervisor who said they would ask for a waiver based on the circumstances. After that call, I checked my Apple Wallet and confirmed there is only XXXX bank account linked to the wallet. I called back Customer Support and they confirmed there is only XXXX bank account in my Apple Wallet. They updated the notes on my file. I spoke with a supervisor again on XX/XX/XXXX who told me that they would not waive the interest. He agains asked for a review of the matter based on our discussion. On XX/XX/XXXX I was again told that the interest would not be waived. Before filing this complaint, I was told I could schedule a call to discuss the matter with a higher level. That call was scheduled for noon on XX/XX/XXXX. I have not yet had a call from the issuer. 

I have repeatedly asked the issuer for a written response on their position and how I could have made a payment from a bank account that is not in my Apple Wallet. I have never received anything in writing. The people I have spoken to have said they can not see any information on how a payment was made. I asked for contact information for someone who could confirm that information and was told that consumers can not contact the people with that information.

Company response to consumer: Closed with monetary relief