vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal dispute to bring attention to multiple inaccuracies and inconsistencies in the reporting of Account # XXXX by TransUnion XXXX XXXX, and XXXX XXXX These errors directly violate the Fair Credit Reporting Act ( FCRA ) standards for accurate and verifiable credit reporting. 

Details of the Disputed Account Creditor Type : XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$1200.00} Account Status : Closed and classified as Derogatory Balance Owed : {$0.00} Specific Reporting Errors and Inconsistencies Contradictory Dates of Last Activity : TransUnion lists the last activity as XX/XX/year>, XXXX lists it as XX/XX/year>, and XXXX lists it as XX/XX/year>. This lack of uniformity indicates unreliable and unverifiable data. 

Irregular Payment Histories : XXXX shows the account as current until XX/XX/year>, then lists a sudden shift to 30, 60, 90, and 120 days late, culminating in a charge-off by XX/XX/year>. However, XXXX and TransUnion fail to provide a comparable payment history. This discrepancy calls into question the accuracy of the reporting across agencies. 

Inconsistent Creditor Remarks : TransUnion remarks state " Charged off as bad debt, '' while XXXX and XXXX indicate " Purchased by another lender. '' These remarks can not coexist and raise doubts about the account 's true status. 

Zero Credit Limit and Past Due Amounts : The credit limit is listed as {$0.00} across all three reports, yet a high balance of {$1200.00} is reflected. This mismatch undermines the validity of the information. 

Violations of the Fair Credit Reporting Act ( FCRA ) Under 611 of the FCRA, information included on consumer credit reports must be accurate and verifiable. The inconsistencies detailed above demonstrate a clear failure to meet these legal standards.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal dispute to bring attention to multiple inaccuracies and inconsistencies in the reporting of Account # XXXX by XXXX XXXX XXXX, and Equifax . These errors directly violate the Fair Credit Reporting Act ( FCRA ) standards for accurate and verifiable credit reporting. 

Details of the Disputed Account Creditor Type : XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$1200.00} Account Status : Closed and classified as Derogatory Balance Owed : {$0.00} Specific Reporting Errors and Inconsistencies Contradictory Dates of Last Activity : XXXX lists the last activity as XX/XX/year>, XXXX lists it as XX/XX/year>, and Equifax lists it as XX/XX/year>. This lack of uniformity indicates unreliable and unverifiable data. 

Irregular Payment Histories : XXXX shows the account as current until XX/XX/year>, then lists a sudden shift to 30, 60, 90, and 120 days late, culminating in a charge-off by XX/XX/year>. However, Equifax and XXXX fail to provide a comparable payment history. This discrepancy calls into question the accuracy of the reporting across agencies. 

Inconsistent Creditor Remarks : XXXX remarks state " Charged off as bad debt, '' while XXXX and Equifax indicate " Purchased by another lender. '' These remarks can not coexist and raise doubts about the account 's true status. 

Zero Credit Limit and Past Due Amounts : The credit limit is listed as {$0.00} across all three reports, yet a high balance of {$1200.00} is reflected. This mismatch undermines the validity of the information. 

Violations of the Fair Credit Reporting Act ( FCRA ) Under 611 of the FCRA, information included on consumer credit reports must be accurate and verifiable. The inconsistencies detailed above demonstrate a clear failure to meet these legal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: KEYCORP
State: NY

Complaint narrative:
XXXX XX/XX/XXXX wirelles international transfer to XXXX XXXXXXXX XXXX XXXXXXXX at Key Babk XXXX XXXX XXXXXXXX XXXX Mannager tild me is direct deposit or by XX/XX/XXXX to my sister acount, XXXX never give the right information, never told meXXXX is others fees and charges, never told me is and other Bank first in the money transfer XXXXXXXX XXXX XXXXXXXX today friday XX/XX/XXXX is still not answer when my XXXX wull be back in my acount. Wirelles department put a stot recall requested it was completed XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This collection with XXXX XXXX XXXX does not belong to me.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am filing this complaint against XXXX, XXXX, and Equifax due to their failure to ensure the accuracy and verifiability of the information reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question, Account # XXXX, has multiple inconsistencies and inaccuracies across the three credit reporting agencies, as outlined below : Specific Errors in Reporting Contradictory Payment Status and Remarks : XXXX XXXX the account as " Charged off as bad debt, '' while XXXX and Equifax state it was " Purchased by another lender '' or " Account transferred or sold. '' These discrepancies demonstrate conflicting reporting practices and raise questions about the accuracy of the data. 

Inconsistent Dates of Last Activity : XXXX reports the last activity as XX/XX/year>, XXXX lists it as XX/XX/year>, and Equifax states XX/XX/year>. These discrepancies violate FCRA requirements under 609 ( a ) ( 1 ) to ensure accurate and reliable reporting. 

Illogical Credit Limit and High Balance Reporting : The high balance of {$600.00} is listed, but the credit limit is shown as {$0.00}, creating a contradiction and suggesting that the reporting is incomplete or unverifiable. 

Incomplete Payment History : XXXX and XXXX report payment histories, yet Equifax does not, even while classifying the account as " Derogatory. '' This inconsistent reporting further indicates a failure to maintain accurate records. 

Legal Basis for Dispute Under 611 of the FCRA, all information on a consumer 's credit report must be accurate, complete, and verifiable. Given the inconsistencies and lack of verifiability outlined above, this account does not meet the legal requirements for inclusion on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am filing this complaint against XXXX, Experian, and XXXX due to their failure to ensure the accuracy and verifiability of the information reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question, Account # XXXX, has multiple inconsistencies and inaccuracies across the three credit reporting agencies, as outlined below : Specific Errors in Reporting Contradictory Payment Status and Remarks : XXXX lists the account as " Charged off as bad debt, '' while Experian and XXXX state it was " Purchased by another lender '' or " Account transferred or sold. '' These discrepancies demonstrate conflicting reporting practices and raise questions about the accuracy of the data. 

Inconsistent Dates of Last Activity : XXXX reports the last activity as XX/XX/year>, Experian lists it as XX/XX/year>, and XXXX states XX/XX/year>. These discrepancies violate FCRA requirements under 609 ( a ) ( 1 ) to ensure accurate and reliable reporting. 

Illogical Credit Limit and High Balance Reporting : The high balance of {$600.00} is listed, but the credit limit is shown as {$0.00}, creating a contradiction and suggesting that the reporting is incomplete or unverifiable. 

Incomplete Payment History : XXXX and Experian report payment histories, yet XXXX does not, even while classifying the account as " Derogatory. '' This inconsistent reporting further indicates a failure to maintain accurate records. 

Legal Basis for Dispute Under 611 of the FCRA, all information on a consumer 's credit report must be accurate, complete, and verifiable. Given the inconsistencies and lack of verifiability outlined above, this account does not meet the legal requirements for inclusion on my credit file.

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 2025-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> TransUnion LLC, Subject : TransUnion Complaint Regarding Violation of 15 U.S. Code 1681a Dear TransUnion Customer Service, I am writing to formally express my outrage and dissatisfaction regarding your blatant violation of 15 U.S. Code 1681a, which defines important terms and responsibilities for consumer reporting agencies like yours. 

As you are undoubtedly aware, the Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies provide accurate and fair information about consumers. The definition of a " consumer report '' clearly states that any communication of information regarding a consumers creditworthiness must be used appropriately and ethically. However, it has come to my attention that TransUnion has failed to uphold these standards, impacting my credit report and subsequently my financial standing. 

The inaccuracies in my credit report, which I have previously brought to your attention, are not just mere clerical errors. They reflect a serious disregard for the responsibilities outlined in Section 1681a. Such negligence is not only unacceptable but also potentially damaging to my creditworthiness and personal reputation. The consequences of these inaccuracies extend beyond mere inconvenience ; they affect my ability to secure loans, obtain housing, and manage my finances effectively. 

I demand immediate corrective action to rectify the erroneous information in my credit report. Additionally, I expect a written explanation outlining the steps you will take to ensure that such violations do not occur in the future. Failure to address this issue promptly will leave me with no choice but to pursue all legal remedies. 

I expect a response within 5 days of this letter. This situation requires urgent attention, and I trust that you will handle this matter with the seriousness it deserves.

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 2025-01-11 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
On or around XX/XX/year> I was denied a checking account by XXXX XXXX after being notified that the denial was based on a chexsystem report. I then on the same day reviewed a report that was created by ChexSysytems without my knowledge, authorization or consent. Only to find erroneous, frivolous, unauthorized, inaccurate, and unverifiable information being shared about me. Once I saw the defamatory information I filed a dispute directly through ChexSystem Confirmation ID : XXXX. I informed them of the inaccurate, incomplete and unverifiable information and demanded an investigation. Over thirty days later I received an automated response claiming that the information was verified as accurate. After realizing that my investigation was unreasonable and my disputes were being ignored I then demanded the method of verification on XX/XX/year> Confirmation # : XXXX. It has now been over a month and I have not received a proper response only auto mated responses and this company has completely failed to address my issues or concerns. They have failed to correct the false information and have caused me to be without a personal bank account for over 90 days causing me severe hardships.

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 2025-01-11 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: TX

Complaint narrative:
I have never authorized these fraudulent inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal dispute to bring attention to multiple inaccuracies and inconsistencies in the reporting of Account # XXXX by XXXX XXXX Experian, and XXXX XXXX These errors directly violate the Fair Credit Reporting Act ( FCRA ) standards for accurate and verifiable credit reporting. 

Details of the Disputed Account Creditor Type : XXXX XXXX XXXX XXXX XXXX High Balance : {$1200.00} Account Status : Closed and classified as Derogatory Balance Owed : {$0.00} Specific Reporting Errors and Inconsistencies Contradictory Dates of Last Activity : XXXX lists the last activity as XX/XX/year>, Experian lists it as XX/XX/year>, and XXXX lists it as XX/XX/year>. This lack of uniformity indicates unreliable and unverifiable data. 

Irregular Payment Histories : Experian shows the account as current until XX/XX/year>, then lists a sudden shift to 30, 60, 90, and 120 days late, culminating in a charge-off by XX/XX/year>. However, XXXX and XXXX fail to provide a comparable payment history. This discrepancy calls into question the accuracy of the reporting across agencies. 

Inconsistent Creditor Remarks : XXXX remarks state " Charged off as bad debt, '' while Experian and XXXX indicate " Purchased by another lender. '' These remarks can not coexist and raise doubts about the account 's true status. 

Zero Credit Limit and Past Due Amounts : The credit limit is listed as {$0.00} across all three reports, yet a high balance of {$1200.00} is reflected. This mismatch undermines the validity of the information. 

Violations of the Fair Credit Reporting Act ( FCRA ) Under 611 of the FCRA, information included on consumer credit reports must be accurate and verifiable. The inconsistencies detailed above demonstrate a clear failure to meet these legal standards.

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 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
This was a loan that was taking out for a different registered car owner. I contacted company about this account and this should no longer be reporting to any credit credit bureau but still reporting to 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 2025-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Request was mailed and no response has been received by company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
This is my XXXX complaint against Robinhood through CFPB.

In the response I got from Robinhood from my 1st complaint, Robinhood only gave me information I already have and have access to. So, their response was of NO help.

I believe Robinhood is withholding my information because they know since they have access to my whole account as they can see all of it, and they have access to the very XXXX call I gave them back in XXXXXXXX XXXX XXXX ( since every call is recorded! ) that I did not transfer any money out of my account myself. 

My XXXX  with Robinhood was hacked and the hacker made XXXX transactions out of my XXXX  totaling {$26000.00} to XXXX accounts linked on my XXXX  that were not mine. The XXXX accounts were not even on my proper legal name and still XXXXhood even though I gave them a call and the transactions were still pending let my money go out of my XXXX.

1 ) My name on Robinhood online baking is the same one as my XXXX XXXX  card ( the bank and only bank that I use to move money to my XXXX account and have never taken money out ) so the names not matching in the accounts, isn't a red flag? 

XXXX ) Isn't a red flag when the account holder informs their bank that the cards on file isn't hers?

3 ) Isn't a reg flag when a Robinhood representative tells the customer that her cash is being transferred from an XXXX  and from CA, when the costumer is in MA and only uses XXXX XXXX products linked in her account? 

XXXX ) Very interesting fact is that after I spoke with Robinhood customer service representative back in XXXX and did the whole process of getting a new email address, password, XXXX factor authenticator number, someone ( not me ) was still able to log into my XXXX  and took the XXXX cards from XXXX off my XXXX. How? 

Since my XXXX complaint against Robinhood, I have gotten in touch with XXXX ( again ) and they said they would refund me my money but that needs to be a bank-to-bank transfer and Robinhood is not willing to communicate with a 3rd party. Why? 

I have more than enough proof that I did not make those transactions out of my account, and I should not be fighting this hard to get my own money back! This is absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-11 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-10 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: NJ

Complaint narrative:
There has been fraudulent accounts added to my consumer report, was deleted, then added again

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