vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
As of XX/XX/year>, I have approximately {$17000.00} worth of stock assets and around {$7000.00} in cash in my Robinhood account. I attempted to make a {$4000.00} payment to my XXXX XXXX ( XXXX ) account from the cash balance in my Robinhood account, but the transaction was rejected. I immediately contacted Robinhood support via chat, and they informed me there were no restrictions on my account and advised me to check with XXXX. Upon contacting XXXX, they confirmed that the issue was on Robinhood 's side. 

To resolve the issue, I decided to withdraw {$5000.00} from my Robinhood account to my bank. However, this attempt resulted in my account being temporarily restricted, and I could no longer access or withdraw my funds. I contacted Robinhood support, who requested bank statements and other documents for verification. I promptly submitted the requested documents and was told to wait for a phone call by XX/XX/XXXX. 

On XX/XX/XXXX, the support response changed, stating that I should expect a phone call by XX/XX/XXXX. However, on XX/XX/XXXX, it was updated again, saying I would receive a call by XX/XX/XXXX. This pattern has continued, and the deadline for support contact is now listed as XX/XX/XXXX. I no longer believe that Robinhood will resolve this issue by the stated deadline. 

As of now, my account remains temporarily restricted, leaving approximately {$17000.00} in stocks and {$2300.00} in cash inaccessible. Despite repeated attempts to resolve this issue, Robinhood has taken no meaningful action to address the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: IL

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed from my 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 non-monetary relief
Consumer complaint received 2024-12-26 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: NY

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2024-12-26 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: NY

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
XXXX XXXX, SS # XXXX, XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FRCA & 605B ( 15 U.S.C. & 1681c-2 ) that you, the Transunion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud. This fraudulent, inaccurate and false information consist of an account opened at XXXX XXXX on XXXX under account number XXXX with a balance of {$9100.00}. An account opened at XXXXXXXX XXXX on XXXX under account XXXX with a balance of {$1400.00}. An account opened at XXXX XXXX on XXXX under account number XXXX with a balance of {$200.00}. and an account opened at XXXX on XXXX under account number XXXX with a balance of {$1100.00}. These accounts have resulted in several fraudulent accounts appearing on my consumer credit report maintained by you which show the aforementioned items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that the aforementioned accounts are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: GA

Complaint narrative:
I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with 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 explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc.
State: MD

Complaint narrative:
Marcus Goldman is who my loan was provided by. They are using an affiliate XXXX. XXXX erroneously reported to the credit bureaus. This is the second time that this company has done this. They informed me that it was a system error the first time. I contacted them in XXXX as on my account page it was stating that I was late and I wasn't. They stated that it would be corrected. It was not. I expressed my concern because of what happened the first time and they assured me that it would not negatively report and they would fix the problem. I received notification today that my score dropped XXXX points. I called the company and was given the same info that it would be fixed but i need to call back on Monday. The last time it was only fixed because I had to file a dispute with the credit bureaus and my score never went back to what it was even after the dispute was finalized. This company has caused me unnecessary stress and XXXX. Times are very difficult and I am working diligently to maintain my bills and my credit worthiness. Their actions not only effect my score but my relationship with other companies. They need to be held accountable as they act as if they do not care that they are causing these unwarranted disruptions to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 
This letter concerns the XXXX XXXX account ( Account # XXXX ) which reflects late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon review of my payment history and records, I have verified that all payments were made on time. I initially disputed these inaccuracies on XX/XX/XXXX, yet the account remains incorrectly reported. 
Account Details : Account Number : XXXX High Balance : {$720.00} Last Verified : Not provided Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} Closed Date : Not provided Account Rating : Closed Account Description : Account was in dispute - now resolved - reported by subscriber Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Current Payment Amount : {$43.00} Last Payment : XX/XX/XXXX Credit Limit : {$500.00} Two-Year Payment History : Reflects 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Legal References : 15 USC 1681i ( a ) ( 2 ) ( A ) ( i ) : States that consumer reports should not contain inaccurate information regarding transactions or experiences between the consumer and the furnisher. 
15 USC 1666 ( b ) : Requires creditors to adopt reasonable procedures ensuring timely delivery of billing statements. 
15 USC 1637 ( b ) : Mandates accurate disclosure of account details in periodic statements. 
Request : I request that you : Provide a detailed description of the investigation procedures used to verify the reported late payments. 
Supply documented proof of the late payments, including specific dates, amounts, and any supporting communication. 
If no valid evidence exists, correct the account status to Paid As Agreed Never Late immediately. 
I expect your response within the 30-day investigation period stipulated by the FCRA. Failure to comply will be considered a violation of federal law. Attached are copies of my credit report and supporting documentation for your reference. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  : # XXXX, XXXX XXXX & XXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accoring to 15 U.S code 1681c-2 This is my statement that all listed acciunts have been reported and listed without my expressed written concent and therefore is a result if idenity theft and must Be removed. These accounts are not related to any transactions made by me. 
Account : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I accepted a loan for an XXXX purchase, on my Paypal Credit account, that Synchrony Bank refers to as an " easy payments loan '' ( XXXX ). The loan was specified as a XXXX loan with a monthly payment of {$100.00}. 
I also have several other Paypal purchases that are specified as 0 % APR as long as each is paid within 6 months. 
Almost every time I make a payment more than the minimum due, that amount of extra payment is applied to reduce the balance of the XXXX instead of the next-due-to-expire 0 % XXXX deal. 
At this time, the XXXX  months XXXX will be paid in full in about 14 months. 
This causes me to have to pay inordinately high payments in order to prevent paying deferred interest on the 0 % APR deals. By making these high payments, as well as other accounts with at or over 30 % APR, I find that I have exhausted my savings, and am now delinquent on my property/real estate taxes for a payment that was due on XX/XX/year>. 
An Additional problem is that the monthly statement provided does not show the extra payment being made to the EPL, but only shows the required {$100.00} payment, making it impossible to cross foot the statement with the total of the payment made for a given month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: CITIBANK, N.A.
State: NC

Complaint narrative:
My information and accounts was exposed to data breach pursuant. I ask that all inquires not attached to my open accounts, hard inquiries, late payments, charge offs, all previous addresses be removed and all collections be removed because of my data being exposed to data breach 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I had XXXX business and XXXX personal credit card with American Express. On XX/XX/year>, all of my accounts were closed due to returned payments. No warming of possible account closure was given. 

Below are all the transactions that involve returned payments. 

XXXX XXXX Amex XX/XX/XXXX - Payment Returned {$2400.00} XX/XX/XXXX - Payment Successful {$2400.00} **See bank statement to show that account deposit posted the same day XXXX XXXX XXXX Card No returned payments Business Gold Card ( 0 % APR ) XX/XX/XXXX - Payment Returned {$3400.00} XX/XX/XXXX - Merchant credit totaling {$2200.00} XX/XX/XXXX - Payment Successful {$1000.00} XX/XX/XXXX - Payment Successful {$7600.00} **Payments were returned due to mismanagement of merchant credit timing and payment amount Platinum Card XX/XX/XXXX - Payment Returned {$2400.00} XX/XX/XXXX - Payment Successful {$2400.00} XX/XX/XXXX - Payment Returned {$1200.00} XX/XX/XXXX - Payment Successful {$1200.00}

Company response to consumer: Closed with explanation