vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance with the Fair Credit Reporting act.. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A States I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 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. 

Delete immediately and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



1. Account Name : XXXX XXXXXXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 4. Account name : XXXX XXXXXXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 5.Account name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 6. Account name : XXXX XXXX XXXX XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 7. Account name : XXXX XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 8. Account name : XXXX XXXX XXXX Account number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 9. Account name : XXXX XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 10. Account name : XXXX Customer XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 11. Account name : XXXX XXXX Account number : Delete this account immediately, unless you want to pay {$1000.00} per violation 12. Account name : XXXX XXXX account number is : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 13. Account name : XXXX XXXX XXXX XXXX XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 14. XXXX XXXX XXXXXXXX XXXX account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NC

Complaint narrative:
IN XXXX, 2022, I CALLED XXXX CONCERNING MY STUDENT LOANS AND CONSOLIDATION. THEY RECOMMENDED THAT I CONSOLIDATE WITH MOHELA. I CONSOLIDATED THE LOANS. HOWEVER, I HAVE NOT BEEN ABLE TO REACH A LIVE AGENT, SINCE THE CONSOLIDATION. I RECEIVED A LETTER FROM MOHELA, INDICATING THAT I HAD DIED. I CALLED CONSISTENTLY AND HAVE NEVER BEEN ABLE TO REACH A LIVE AGENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
I have tried getting help for 4 days continuously being told to wait because there is nothing that can be done. I have confirmation of receipt from my bank that Robinhood.com received my money. They know I am on the side of the road, have not eaten in 4 days, and have no heat. Still, they refuse to allow me access to the funds and refuse to return funds to my bank. 
They repeatedly state to wait until XXXX. Despite me starving and freezing to death. Unethical doesn't begin to cover this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
On XXXX XXXX I was locked out of my online account for Treasury management. After numerous unanswered calls and emails my account was restored with no explanation. On XX/XX/2023 I received a XXXX  with a letter stating my account would be closed on XX/XX/2023. Again after numerous unanswered emails and phone calls to everyone up to the president of the bank I could not get a reason for the closure. I am aware that the bank can close accounts for no reason and have agreed to that in writing, but my agreement clearly states that there would be XXXX  days notice of termination. The immediate cutoff to Treasury Management and ACH transfers has crippled my business and making other arrangements clearly takes more than a week. After dealing with Simmons Bank for over XXXX  years I find this treatment unacceptable. The complete lack of response from the organization and the Bank president XXXX XXXX in handling this needs to be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NC

Complaint narrative:
ability recovery services has altered the date of an account opened from XXXX XXXX on an account I never authorized. I tried to contact the company but was met with extremely rude service and hung up on XXXX  times. the woman I spoke to XXXX, informed me that this debt was from a buckle credit card opened in XXXX  but magically was reported on my credit report as being opened XX/XX/XXXX of XXXX this company is illegally altering dates. I asked for an original contract to be mailed, I asked for a bank account number to match to mine, and I was met with " pay your bill and this won't happen ''. even IF this account was in fact mine. the statute of limitations and the FCRA limitations have long passed. what this company is doing is highly illegal.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I can not access my online banking. I have been waiting hours for my account to be accessible. As a consumer of td bank I dont believe I should have to constantly wait for the issues the company is experiencing technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
This constitutes fraudulent activity and is a serious violation of my right to privacy. Not only is this a breach of my rights, but this is a defamation of my character. When you provide a negative account that you claim I own, other businesses notice it, which has an adverse effect on my credit report and quality of life.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I feel that these accounts are negatively affecting my credit report and costing me thousands of XXXX in interest every year which is outrageous. This is not a regular dispute I am filing. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed rapidly because I will not wait another 60 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted immediately.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I voluntarily called to surrender my vehicle in XXXX and XXXX. My husband was in a motorcycle accident on XX/XX/2022. He underwent two XXXX and was temporarily XXXX. In XXXX, the vehicle was placed on the repossession list by XXXX. I called to schedule a pick-up several times. They finally picked the vehicle up sometimes in XXXX. The vehicle was later sold at an auction. I received a letter from XXXX stating that the vehicle was sold and that the remaining balance was charged off. 

The account has not showed closed on my credit bureaus until I disputed it XXXX or XXXX times. I noticed that they were closed in XXXX, but reopened. I called XXXX and spoke to a manger. He stated that he would have the account closed on my credit report since it was showing charged off. 

I noticed this morning that the account was reopened on my Transunion account. I have been trying to obtain a mortgage modification and this is affecting my XXXX. This account is closed and should remain closed on all three of my credit bureaus. 

This account was charged off and the collateral has been sold to a third party by the creditor.

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I did not authorize the renewal of the XXXX 's XXXX from XXXX XXXX Bank. I closed the XXXX account in XX/XX/XXXX. Instead, I paid {$55.00} for the inner circle membership in XX/XX/XXXX. However, XXXX 's has been reluctant to remove the charge of {$110.00} from the XXXX account. I've contacted XXXX 's several times since XXXX and here are the cancellation confirmation numbers for the XXXX 's Perks Reward membership that they provided : XXXX, XXXX XX/XX/XXXX ; XXXX and XXXX, XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX. XXXX  refunded {$110.00} on XXXX XX/XX/XXXX. The Comenity Bank continues to charge interest to the account and they are aware of the ongoing attempts to remove the unauthorized renewal charge of {$110.00}. Comenity Bank will not remove all late fees and charges to my account as they stated in the attached message on XXXX XXXX. As a result, my credit score has dropped over 80 points since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/ to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
A check from Social Security for XXXX XXXX was deposited into my CitizensBank account on XX/XX/XXXX. They also close my account the same day, but took their XXXX overdraft fee. Ive been trying since then to get the check sent back to me and or Social Security for days now every time I call, they tell me error on their end, they wont let me speak to a supervisor, so Im not sure what else to do. They took the XXXX but kept the remaining balance that was supposed to go into my account to ask if they can re-open the account and put the remaining balance in they told me 7 to 10 days and still nothing I called this morning and basically no answers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, 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:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
I am afraid the XXXX credit reporting agencies have not been exercising their grave responsibilities that were given to them with fairness impartiality, and a respect for the consumers privacy. I did not give consent to these accounts, being shared on my credit report. Or have given any permissible purpose. It has come to my attention that, although I have written several letters, asking for validation of death auto trails I am not getting any response because of the automated system in which they have in place, which is a violation as well. I am demanding these accounts be removed immediately off my credit report as it is in violation to my privacy as a consumer, according to the federal constitutional law, 15, USC 1681.

15 USC 1691 15 USC 1601 15 USC 1692

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