vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX 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 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 of 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 2024-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I had fraud done on my account & opened a dispute with PayPal as a consumer I felt like I had the right to, the investigation has not been completed & PayPal or PayPal credit decided to limit my account permanently Im now no longer able to use my account. I was not given a reason nor a choice to reinstate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
To whom it may concern please be advised my account with select portfolio servicing Inc. is a commercial business purpose loan and should not be reflected or reported on my personal credit report. Please have them remove any reporting on my personal income immediately. Any credit reporting should only be reported on entity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-13 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:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current 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 2024-12-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
Concora Credit lists the email address XXXX in its Terms and Conditions, Privacy Policy, and Accessibility Information as a primary means of contact. However, when I attempted to contact them through this email address, my message was rejected with an automated response stating that the group does not accept messages from external senders. 

This has created a significant barrier to resolving a financial dispute and effectively communicating with the company. As a result, I have been unable to address my concerns or receive assistance, which has caused undue stress and financial harm. This inaccessibility is especially problematic for individuals who rely on email as their primary communication method, including those with XXXX, and may violate accessibility and consumer protection laws. 

I request that Concora Credit provide a fully functional and publicly accessible means of communication, as advertised in their policies, to address consumer concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX CARD ( XXXX ) - ( XXXX ) XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 2024-12-13 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: FL

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX CARD ( XXXX ) - ( XXXX ) XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX G - XX/XX/2024 XXXX XXXX G - XX/XX/2024 XXXX  - XX/XX/2024 XXXX XXXX XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX NA - XX/XX/2024 2. XXXX CARD - XX/XX/2024 3. XXXX XXXX CU - XX/XX/2024 4. XXXX XXXX XXXX - XX/XX/2024 5. XXXX XXXX XXXX - XX/XX/2024 6. XXXX XXXX XXXX - XX/XX/2024 7. XXXX XXXX XXXX XXXX  - XX/XX/2024 8. XXXX XXXX XXXX - XX/XX/2024 9. XXXX  FINANCIAL - XX/XX/2024 10. XXXX  FINANCIAL - XX/XX/2024 11. XXXX XXXX XXXX U - XX/XX/2024 12. XXXX XXXX CU - XX/XX/2024 13. XXXX XXXX - XX/XX/2024 14. XXXX  - XX/XX/2024 15. XXXX XXXX XXXX - XX/XX/2024 16. XXXX XXXX - XX/XX/2024 17. XXXX XXXX - XX/XX/2024 18. XXXX XXXX - XX/XX/2024 19 XXXX XXXX  - 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 2024-12-13 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: NY

Complaint narrative:
I received a bill of {$1500.00} from XXXX XXXX XXXX, but when I requested an itemized bill, they refused to provide one. Instead, they sent me an old bill with incorrect information. I need the itemized bill because I have excess insurance on the car, and my insurance company requires it to cover the excess. Despite multiple requests for the itemized bill, I have not been successful in obtaining it. 

I eventually sent the incorrect bill to the insurance company, which caused a long delay in resolving the issue. As a result, the leasing company added a late balance to my account, negatively impacting my credit score. They attempted to send me a bill on XX/XX/2024, but it was only a total amount and not itemized. This pattern continued with all other bills I received ; they consistently refuse to provide an itemized statement.

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 2024-12-13 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: NY

Complaint narrative:
I received a bill of {$1500.00} from XXXX XXXX XXXX, but when I requested an itemized bill, they refused to provide one. Instead, they sent me an old bill with incorrect information. I need the itemized bill because I have excess insurance on the car, and my insurance company requires it to cover the excess. Despite multiple requests for the itemized bill, I have not been successful in obtaining it. 

I eventually sent the incorrect bill to the insurance company, which caused a long delay in resolving the issue. As a result, the leasing company added a late balance to my account, negatively impacting my credit score. They attempted to send me a bill on XX/XX/2024, but it was only a total amount and not itemized. This pattern continued with all other bills I received ; they consistently refuse to provide an itemized statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX OF XXXX - XXXX 2. XXXX CARD - XXXX 3. XXXX OF XXXX - XXXX 4. XXXX XXXX - XXXX 5. XXXX OF XXXX - XXXX 6. XXXX OF 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 2024-12-13 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:
This debt is a charge off, However this is actually considered as income. I did not receive a 1099C in order for this to account as income. This is not a charge off. I am requesting for the XXXX XXXX accounts to be removed. This is not a debt this is considered income and should not be reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: OK

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OLIPHANT FINANCIAL, LLC
State: CA

Complaint narrative:
I am writing to file a follow-up complaint regarding **CFPB Case # XXXX concerning **Oliphant Financial, LLC** and their handling of my account. In their formal response, they stated that they would delete the tradeline from my credit report as a courtesy, despite not acknowledging the validity of the allegations made in my original complaint. 

To date, I have not seen this tradeline removed from my credit reports with the major credit bureaus. This is a clear violation of their commitment to delete the tradeline and resolve the issue promptly. 

As of now, I have received an additional statement with a different balance from the one previously stated, and my attempts to contact Oliphant Financial at the phone number provided ( XXXX ) were unsuccessful, as it is no longer in service. Given this, I am requesting that the **Consumer Financial Protection Bureau** take immediate action to enforce Oliphants promise to delete this tradeline from all of my credit reports. 

In addition to this request, I would like to bring to your attention the following issues : 1. The absence of a valid, working customer service contact, making it impossible to resolve any issues directly with Oliphant Financial. 
2. The continuing presence of inaccurate and misleading information on my credit file despite their promise to delete the tradeline. 

I ask that you assist in ensuring that this tradeline is deleted immediately, as stated in their response, and that they comply with the promises made regarding my credit report. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX and XXXX, which solicited me to invest a substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial brokers. Some transfers were made through my wallet hosted by www.robinhood.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX and XXXX. Based upon the understanding that www.robinhood.com is acting compliant and will provide due care towards its wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for the provision of information to XXXX XXXX XXXX XXXX Unfortunately, as of the date of this complaint, www.robinhood.com refused to provide the requested information upon our justified request. By refusing my request, www.robinhood.com failed to provide the required information about the XXXX  hosting the beneficiary wallets, which I have made a series of transactions, www.robinhood.com does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.robinhood.com represents a clear example of the mistreatment of my consumer rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
In XXXX of this year, I received notice that I hit 120 qualifying payments on all of my federal loans to qualify for Public Service Loan Forgiveness. My next payment on my loans at the time was due on XX/XX/XXXX. On XX/XX/XXXX, since my loans had not been discharged yet, I tried contacting Mohela to see if they could put my loan payments into forbearance while I awaited the discharge. I first called on XX/XX/XXXX at XXXX XXXX  and waited on hold for about 30 minutes, before receiving an option to " press 1 '' to get a callback rather than waiting on hold. I made that selection, and was told that I would get a callback in about 30 minutes. I never received a callback. 

Because I didn't get a callback within a few hours, I tried calling again on XX/XX/XXXX around XXXX XXXX. I waited on hold for I think about an hour before I was finally connected to an agent, who informed me that they should be able to put me into forbearance, but that someone else would have to effectuate the request. The agent put me back on hold while waiting to transfer to the other agent. I sat on hold with Mohela for a total of 4 hours during that second call on XX/XX/XXXX, and I never reached the second agent who was supposed to effectuate the forbearance. 

Because I was not sure I would ever reach a live agent again, I also separately sent a message through Mohela 's online portal requesting forbearance. I submitted that request also on XX/XX/XXXX. I did not receive a response to that online written request until XX/XX/XXXX, days after my XX/XX/XXXX payment was due. And in the XX/XX/XXXX response, Mohela refused to take any action. The response only stated : " Our records indicate that you have already called and spoken to one of our Customer Service Representatives regarding this inquiry. If you need additional assistance, please contact us at the number listed below. '' I replied to the message the same day informing them that a CSR never actually effectuated the forbearance, so I had to make a payment unnecessarily for the XX/XX/XXXX due date. I have yet to receive a response to that second message. 

My account is now showing that I'll have another payment due on XX/XX/XXXX, so I still do not have a forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime has closed out my checking and savings account and has blocked access from me trying to access the account. They are currently reporting that the chime secured card is still open and active and this is not accurate reporting.

Company response to consumer: Closed with explanation