vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: NC

Complaint narrative:
XXXX XXXX and XXXX XXXX is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Both accounts were charged off and they received a tax break and did not SEND ME MY FORM 1099-C they should have sent when they Filled the account as a canceled debt. I'm aware per the IRS rules that they are suppose to file that by XX/XX/XXXX. I have yet to receive a 1099-C on either account. The IRS also Clearly defines a charge-off as Gross or Ordinary income per Publication 4681, and INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income ( Publication 4681 ). The reporting of this account as a debt is inaccurate. Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency per the note you have attached to each account. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY on the organization. I requested original documents and procedures from XXXX XXXX, TransUnion and XXXX because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda. Also per North Carolina collection statue, creditors have 3 years from the date of the last payment to collect a debt.

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 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I'm here again to ask for the removal of late dates and changing the status of disputed account to closed/never late from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance {$0.00}.

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 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I'm here again to ask for the removal of late dates and changing the status of disputed account to closed/never late from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/year> Balance {$0.00}.

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 2024-03-12 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: MI

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-03-12 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: TN

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: TN

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I reached out several times to Robinhood to reactivate my Spending Account. The most recent response I got from them which I have email stated that I have opportunity to have access.Unfortsmely nothing has changed. All I want is to have full acces.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: FL

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$6800.00}

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 2024-03-12 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: NJ

Complaint narrative:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KS

Complaint narrative:
There was well over 220 transactions on my account from XXXX XXXX til XXXX XXXX. Its so many transactions I can't even write them all but it totaled to XXXX . I filed a police report and a claim they denied my claim. Even after I submitted proof that I was XXXX and informed the company I never gave anyone permission to use my account while I was XXXX. I filed the police report like they told me to do and they still denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: GA

Complaint narrative:
Ive recently reviewed my credit report and noticed that I have inaccurate accounts reporting

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 2024-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

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 2024-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I sought a three-month forbearance assistance from my mortgage company, ( PHH Mortgage ) from XXXX to XX/XX/XXXX. My understanding was that after the forbearance period I will resume my normal monthly payments of {$2400.00} on XX/XX/XXXX. 

My understanding was based on the fact 2 years earlier I had sought similar assistance whereby the total of the forbearance period mortgage amount was added to the principal mortgage amount. Also, in the forbearance approval notice, there was no mention of the total three months forbearance period mortgage payments coming due in XX/XX/XXXX. 

When I submitted my regular monthly mortgage of {$2400.00} for XX/XX/XXXX, PHH Mortgage refused to accept it and rather asked me to pay a total of {$15000.00} covering XXXX to XX/XX/XXXX, XX/XX/XXXX and some other fees and expense which has been in dispute for years. I also tried to pay XXXX and XX/XX/XXXX they still refused to accept it and have me reported to the credit bureaus for having defaulted for three months starting from and including the approved forbearance period. 

I have written to plead with them, talk to their customer relations department all to no avail and know they are threating to foreclose on the property. 

I need help - for them to allow me to continue with my previous monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My identity verification process has been under review since 2021. I have emailed venmo back-and-forth for XXXX weeks and the only solution they can offer me is to delete my account and create a new one. I have a pending XXXX crypto claim from the bankruptcy lawsuit that I fear will be lost if I delete my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: ME

Complaint narrative:
The company had approved my loan and deposited the money in my account before my final approval of looking over the payment schedule and the interest rate that was to be charged. Even 50 % interest I would accept. 685 % is completely inappropriate and is criminal. I wouldnt have accepted this if I knew the interest was that high.

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 2024-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/2023 I transfered {$20000.00} from my XXXX XXXX checking account to my Chase Military banking checking account. On XX/XX/2023 I transfer {$5000.00} from XXXX XXXX checking to my Chase Military checking account. I attempted to use my debit card and it was declined on XX/XX/2023. I went into the branch in. XXXX XXXX California and was informed that my account was frozen. I informed I needed to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, the representative from the fraud department told me that the transfers made from XXXX XXXX were being recalled because the check I deposited was returned. The representative stated they could not help me because the action was generated by the back office which they did not have access to. I received a letter during the month of XX/XX/2023 from Chase Bank stating my account was being investigate but I should be receiving money back. On XX/XX/2023 {$7600.00} was withdrawal from my Chase Military checking account and transfer to my XXXX XXXX checking account by Chase Bank. After the transfer {$4500.00} which was my Military retirement funds. I have made numerous calls to Chase to release my Military retirement funds with no success. It has created a hardship for me and my family. 
I spoke to a representative in the fraud department of XXXX XXXX they informed me they did not ask Chase to freeze my account. When I call Chase to resolve the issue they inform me only XXXX XXXX can unfreeze my. But XXXX XXXX stated that is not true. My complaint is by law Chase Bank can not freeze at least the last two months of Military retirement funds. The funds have been frozen for almost a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I often play games at my own risk on XXXX XXXX website. There are two options : play with real money using Sweeps Coins or fake money using Gold Coins. I purchase Sweeps Coins which in turn increases the number of Gold Coins as well. From XX/XX/2024 to XX/XX/2024 there were several transactions made by my nephew with a XXXX XXXXXXXX that resulted in my account being overdrafted for more than {$1400.00}. I usually allow my nephew to play with Gold Coins. Somehow, he figured out how to make purchases with my debit card. 

I recently added a new debit card to XXXX XXXX. This is relevant because 1 ) it is a new debit card for Citizens in general as they shifted from Visa to XXXX XXXX ) I had always been alerted if multiple transactions were attempted on my card at the same merchant including XXXXXXXX XXXX in the past. However, this time, Citizens allowed multiple transactions to go through. On XX/XX/2024, starting at XXXXXXXX XXXX until XX/XX/2024, at XXXXXXXX XXXX, there were 34 transactions allowed to go through on my account even after I had insufficient funds. The approximate total was {$2100.00} ( this does not include convenience and foreign exchange fees ). This resulted in my account being overdrawn for approximately {$1400.00}. Now, I get that I do use the site. However, someone purchased items from XXXX using my credit card once and I was not held responsible because I shopped at XXXX before. Where is the protection to my account that Citizens promised? I called them on Saturday, XX/XX/2024, because I couldnt use my card. After all these transactions, Citizens sent me a fraud alert on XX/XX/2024. Before that, I received a Fraud Alert for a purchase I made on XXXX for {$00.00}. Just now, as I write this, I was reminded that I needed to add my new debit card to XXXX to pay for my membership and received a fraud alert for a transaction for {$24.00}. 

I filed a claim on XX/XX/2024. On Sunday XX/XX/2024, I checked my mobile banking account and saw the claim was closed. I had to call and find out why. The letter recieved in the mail today says that there was no fraud and NO ERROR!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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