vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX, XXXX XXXX CREDIT CARD, XXXX XXXX BANK, 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 2024-11-04 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Equifax ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ], I discovered discrepancies in the following account ( XXXX ) : XXXX * Account Name : [ XXXX  XXXX XXXX ] * Account Number : [ XXXX ] * Disputed Information : [ High Credit, Last Date Reported, Date last Active ] 2* Account Name : [ XXXX XXXX ] * Account Number : [ XXXX ] *Disputed Information : [ Last Date Reported, Date last Active, Date Last Payment ] 3*Account Name : [ Capital XXXX ] *Account Number : [ XXXX ] *Disputed Information : [ High Credit, Date Last Active, Date of Last Payment ] 4*Account Name [ XXXX ] XXXXAccount Number [ XXXX ] *Dispute XXXX : [ Account #, Last Reported, Date Last Active ] 5*Account Name [ XXXX XXXX  *Account Number [ XXXX ] *Dispute Information [ Account #, Last Reported , Date last Active ] 6*Account Name [ XXXX XXXX  ] *Account Number [ XXXX ] *Dispute Information [ High Credit, Date Last Active, Date of Last Payment ] 7*Account Name [ XXXX XXXX ] *Account Number [ XXXX ] *Dispute Information [ Last Reported, Date Last Active, Date Last Payment ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: NY

Complaint narrative:
Experian is reporting information of accounts that have been identified as opened fraudulently. According to the FCRA 605B any accounts that have been opened by way of identity theft shall be blocked from reporting and removed. 

These accounts are Account name XXXX BANK Account number XXXX Account type Credit card XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$850.00} written off. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$850.00} Terms name XXXX XXXX XXXX. 
Account number XXXX Account type XXXX XXXX XXXX XXXX  Individual Date opened XX/XX/XXXX Status Account charged off. {$42.00} written off. {$42.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$42.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1800.00} Highest balance {$82.00} Terms - Account name XXXX XXXX XXXX BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$400.00} Highest balance {$640.00} Account name XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$50.00} as of XX/XX/XXXX Monthly payment - Credit limit {$450.00} Highest balance {$1400.00} Account name XXXX XXXX XXXX  Account number XXXX Account type XXXX XXXX XXXX Individual Date opened XX/XX/XXXX XXXX XXXX account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Account name XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX  account. {$870.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$870.00} Balance updated XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$480.00} These accounts should be removed off my account immediately as they are a result a 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 2024-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding a series of issues I have encountered with my auto loan following a recent accident. I am extremely disappointed by the lack of clarity, miscommunication, and poor customer service I have received, which has had a devastating impact on my finances and wellbeing. 

After purchasing my vehicle, I was advised that gap coverage was in place, which provided me with a sense of security should any accidents occur. Unfortunately, my insurance lapsed without my knowledge, and soon after, I was involved in a serious accident that totaled my car. I promptly informed Santander of the accident, fully expecting the gap coverage to assist with the outstanding loan balance. However, I was subsequently told that I was not covered and that I would be solely responsible for the remaining balance. 

I was initially informed that the vehicle would be repossessed, sold, and that no additional charges would be added. Yet, I am now being told that interest continues to accrue daily, significantly increasing the balance owed. I have made multiple attempts to clarify these terms and to understand my options, but each call has only led to further confusion. I have been met with unhelpful attitudes and inconsistent information from representatives, leaving me frustrated and overwhelmed. 

As a XXXX college student, this financial burden is particularly distressing, and I feel that the lack of transparency and professionalism in handling my account is unacceptable. I respectfully request a thorough investigation into my account, immediate clarification on the terms, and an adjustment of the balance to remove any unfairly added interest. This situation has caused significant hardship, and I am seeking a fair and just resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: PA

Complaint narrative:
To whom this XXXX concern, My name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C Section 1681-2 ( a ) and ( c ) and 15 U.S.C section 1681-B, to demand the immediate removal of the accounts listed here and on my reports. These accounts were added without my written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. Unauthorized Hard Inquiries Not Authorized : 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 2024-11-04 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: PA

Complaint narrative:
To whom this XXXX concern, My name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C Section 1681-2 ( a ) and ( c ) and 15 U.S.C section 1681-B, to demand the immediate removal of the accounts listed here and on my reports. These accounts were added without my written consent, violating my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. Unauthorized Hard Inquiries Not Authorized : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
On XX/XX/year> when my check from ADP hit my account with Cash app where I receive my direct deposit. I was immediately logged out and the email, number, and password to the account were changed. 
I immediately connected Cash app support as I did not make these changes At first they said they couldn't pull up my account, as now none of the information no longer matches my account. They were able to pull up it with my XXXX XXXX. CashApp support gave me a case number, and told me it would be investigated. 
Upon their faulty investigation they're trying to claim I or someone else I have permission to made that transaction and denied me any further assistance. 
However I did not make that transaction not gave anyone permission. I can't even access my account, as all my information was changed, so I'm not sure how they came to the conclusion I myself made the transaction or gave someone else permission. That was definitely not the case. I'm out over {$500.00} and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
My experian Credit Report shows a credit card that was charged off by XXXX XXXX There is no account number listed on this credit report. The balance is incorrect and the last payment received is incorrect. XXXX states errors on a credit report must be removed. Experian refuses to take this off 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 explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Hello, I am writing to seek your assistance regarding a serious issue I am facing with my paid family leave funds managed by Money Network, associated with the XXXX XXXX XXXX  ( XXXX ). 

Recently, I discovered that my account has been compromised, resulting in over {$2000.00} being spent in fraudulent transactions. I have attempted to resolve this matter by contacting Money Network directly. However, they are unable to assist me because I can not verify the amounts of recent transactions that were made without my consent. 

This situation is deeply concerning, as it not only affects my financial security but also hinders my ability to access the funds I desperately need. I have provided all necessary personal information to Money Network, including my Social Security number, date of birth, and name, yet I remain without support. 

I would greatly appreciate your guidance on how to navigate this issue and any assistance you can provide in expediting the resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I went to return documents to Navient and was redirected here because they are under scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
TO WHOM IT MAY CONCERNED WHILE STATIONED ABROAD ON SERVICE DUTY OIT SEEMS MY INFORMATION WAS BREACHED USING MY OLD ADDRESS MY CURRENT ADDRES FOR PAST 10 YEARS HAS BEEN XXXX XXXX XXXX XXXX XXXX XXXX  INWHICH I PROVIDED ALL PARTIES OF THESE DETAILS THE FOLLOWIND ACCOUNTS WERE OPENDE IN MY NAME XXXX # XXXX XXXX # XXXX AND 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 2024-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: IDT Telecom, Inc
State: IL

Complaint narrative:
I am filing this complaint against BOSS Revolution for their failure to provide adequate assistance and resolution regarding a {$2000.00} transfer I initiated on XX/XX/year>, intended for a recipient in XXXX with XXXX. Despite multiple attempts to resolve this matter directly with XXXX XXXX, they have not effectively intervened with XXXX, raising concerns about potential mismanagement or misappropriation of funds. 

On XX/XX/year>, I used XXXX XXXX to transfer {$2000.00} to a recipient with a XXXX account in XXXX. XXXX XXXX initially indicated a delay due to XXXX software upgrade, but later claimed the funds had been successfully deposited to XXXX on XX/XX/year>. However, as of today, the recipient has yet to receive these funds, and XXXX maintains that they have not received the funds from XXXX XXXX. 

Since XX/XX/year>, I have contacted XXXX XXXX approximately XXXX or XXXX times, urging them to assist in retrieving or confirming the deposit with XXXX. Each time, XXXX XXXX responded by requesting a bank statement from XXXX to prove non-receipt of funds. I explained that obtaining a bank statement from XXXX requires an in-person visit, which is challenging and time-consuming. 

My recipient ultimately spent an entire day at a XXXX branch to secure the necessary bank statement showing that no funds were received. Despite providing this document to XXXX XXXX, they have yet to take any corrective action, nor have they responded to my subsequent follow-ups. 

XXXX XXXX  repeated requests for documentation and their lack of direct intervention with XXXX, even after all requested evidence was provided, suggest that they may not have actually ensured that the funds reached XXXX as claimed. This unresponsiveness, combined with their refusal to actively resolve the issue with XXXX, raises serious concerns about possible negligence or mishandling of my money. 

I am requesting the CFPB investigate XXXX  XXXX  handling of this transaction, including : XXXX. An explanation for XXXX XXXX refusal to follow up with XXXX directly, despite having all required documentation from me. 
XXXX. Clarification of XXXX XXXX  policies and customer obligations in cases where funds are delayed or undelivered due to external banking issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: AR

Complaint narrative:
On XX/XX/year>, I re-opened an account at XXXX for the purpose of trading stock options. I was approved for level XXXX options trading. On XX/XX/XXXX I initiated a transfer of {$10000.00} from my bank account to XXXX which was completed on XX/XX/XXXX, and later I initiated another {$10000.00} deposit which was completed on XX/XX/XXXX. On XX/XX/XXXX I opened an option strategy on XXXX XXXX XXXX a debit spread which netted a {$500.00} total return and I changed my password to keep my account secure. 
Then on or about XX/XX/XXXX, for reasons that are not clear to me, my account was " restricted '' and while I was working, I missed a phone call from XXXX about " an account security question. '' I have called XXXX and talked to one of their account representatives three times. Each time I talk to them they ask me the same questions : what is your first and last name, what is your telephone number, email address, physical address, last four digits of your Social Security Number, etc. and I answer all of these questions correctly and with the same answers and each time they tell me that they will refer my problem to a " specialized team '', which they have done three times.

The first time they told me that my restriction would be removed XX/XX/XXXX, the second time they told me that I would be contacted, or the restriction would be removed XX/XX/XXXX, and the third time I returned their call and answered all of the same questions, and I received another assurance that the issue would be resolved, or the restriction lifted by XX/XX/XXXX. 
My case number is XXXX. I can not make a deposit, buy or sell a stock or option, or make a withdrawal until the restriction is lifted. My name and address are the same, I have not moved, and my bank account is the same one that I have used to make all deposits. I am using the same computer with the same IP address from the same location, i.e., there is no reason for my account to be restricted. 
Two times in the past 2 weeks at their request I have sent photos of my driver 's license ( which has not changed ) and photos of my face, and my ID has been verified by them and yet my account is still frozen. With interest and earnings my account is now worth {$20000.00} and I want my money back. XXXX is using my {$20000.00} and refuses to return it to me. My account number is XXXX.

Company response to consumer: Closed with explanation