vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the 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 instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the 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 instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it 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 2023-01-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have identified information on my reports that are a result of identity theft. These items are not related to any transactions completed by me. I have also reached out to XXXX and requested Original documentation signed by me, the consumer, and to date, they have failed to do such. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 Section 602 A states I have the 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 instructions 15 USC 1681 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows it 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 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My rights have been violated in relation to an account on my credit report. I reached out to TransUnion and requested that inaccurate information be deleted off of my credit report. TransUnion states that an investigation was done ; however errors and inaccuracies still exist on the report. The dates of last activity are not consistent among the XXXX reporting Credit Bureaus. Furthermore, my payment history is still not accurate. It is still showing a late payment and the XXXX reporting Credit Bureaus do not show the same payment history. How can validated information vary among the Bureaus? 

I have attached the investigative results and a copy of my credit report with the errors highlighted in yellow.

15 U.S.C Sec 1681 ( a ), if you can not provide proof this account is 100 % accurate then this account must be deleted. Please provide me with the original contract that I signed with my wet signature if you can not then It must be deleted from my credit report. I dont believe the information on the account is 100 % correct and needs to be deleted and all negative information removed. 15 U.S.C 1681 Section 602 A - I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 - A consumer reporting agency can not furnish an account without my permission.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have always been able to get my free annual credit report from Equifax on-line XXXX XXXX XXXX  This year, after trying multiple time on multiple days, I would only get a message that said I had to call in to the Customer Care Team. Upon doing so, the prompts are very time-consuming, confusing, and difficult to get through. Some of the prompts directed you to sign up for an Equifax account, which I do not wish to do. Two weeks ago, when I first navigated the prompts to what I thought was the correct location, I ended up at an automated system where I entered information to receive the credit report by mail. What showed up in the mail was not a credit report, but instead a Research Request Form. Today, I called again, and this time was actually able to eventually speak to a person. Supposedly, I am now to receive the credit report by mail. I will wait to see if this mailing is indeed the credit report. 
My complaint : Obtaining the Equifax annual credit report is a very difficult and confusing process. It apparently is not possible on-line anymore. I would ask that Equifax make it a straight-forward and transparent process to obtain one 's annual credit report on-line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to get my annual free credit report since XX/XX/2022 I have been put through hoops trying to get this report time after time I have repeatedly sent documentation such as my State Identification Card pictures and social security card pictures along with mail from my resident with my name and the address on it that matches my State Identification Card and yet they refuse to send me my FREE annual credit report this has slowed down my credit repair process extremely!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to get my annual free credit report since XX/XX/2022 I have been put through hoops trying to get this report time after time I have repeatedly sent documentation such as my State Identification Card pictures and social security card pictures along with mail from my resident with my name and the address on it that matches my State Identification Card and yet they refuse to send me my FREE annual credit report this has slowed down my credit repair process extremely!!!!

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 2023-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Robinhood closed and permanently banned my account and refuse to give me a clear explanation why, when I followed up, they didnt respond..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a bunch of emails from Bank of America at XXXX indicating a new account was opened. I knew this was something done fraudulently so I contacted Bank of America Fraud department and they confirmed that someone used my social security number to open a checking account. They also used the name XXXX XXXX and and a fictitious mailing address from California! I contacted the fraud department and they canceled and blocked the account. My major concern is that my social security number is in the hands of criminals and I am reaching out to you for additional support and added protection for my identity and social security number.

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 2023-01-14 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: VA

Complaint narrative:
have tried to tell XXXX and experian that the information they are providing are wrong.. I need XXXX XXXX  REMOVED FROM MY ACCOUNT AND I Need XXXX account REMOVED ASAP. PLEASE SEE BELOW LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681s2 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.

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 2023-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to get my annual free credit report since XX/XX/2022 I have been put through hoops trying to get this report time after time I have repeatedly sent documentation such as my State Identification Card pictures and social security card pictures along with mail from my resident with my name and the address on it that matches my State Identification Card and yet they refuse to send me my FREE annual credit report this has slowed down my credit repair process extremely!!!!

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 2023-01-14 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 has violated my federally protected consumer rights to Privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A.States that I have the right to privacy.

15 U, S.C 1681 section 604 A section 2.It also states that a consumer reporting agency can not furnish an account without my written Instructions.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is using incorrect/imprecise language on my credit report which is causing XXXX to XXXX me credit. Experian says I have " insufficient credit experience, ' which is not true. What they are trying, but failing to say is that I have insufficient RECENT credit history. By saying insufficient credit experience, it could mean that I was a XXXX XXXX XXXX with no credit experience at all. However, I am a XXXX XXXX XXXX with over XXXX years of excellent credit experience ; just not within the last XXXX  years. I explained that I was retired from my job with the Federal government XXXX  years ago and I PAID OFF ALL MY DEBTS at that time, which to my generation was the responsible thing we were taught to do. Instead, because experian refuses to use accurate language, XXXX keeps referencing 'insufficient credit experience ' as the reason they are denying me credit - which is untrue. Whoever at experian crafted the language should be required to go back to college, because they do not understand correct usage of the English language. They would fail the test if they tried to say insufficient credit experience meant the same thing as insufficient recent credit history. Everyone knows that and Experian needs to accurately reflect my long history of positive credit experience when issuing my credit report. If they are going to be the clearinghouse of information, they have a responsibility and obligation to be accurate in their 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 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America credit card did not stop my card from being charged over my XXXX XXXX XXXX specifically put in place to avoid going further in debt. My XXXX limit is {$5000.00}. Bank of America allowed {$7600.00} in charges. How does that make sense. They are taking advantage of me. I can't afford over {$5000.00}. Now what?

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 2023-01-14 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: IL

Complaint narrative:
XXXX contacted XXXX XXXX XXXX multiple times over the course of the last two years for incorrect credit reporting. As of late, weve been continuously going back & forth since XXXX due to the fact that XXXX has reported delinquent payments dating back to XX/XX/2022. This has been fixed not once, but twice, and then days later, the report is updated to reflect delinquency dating back to XX/XX/2022. There have been multiple phone conversations, multiple written correspondence & each time we see assured its been fixed. We shouldnt have to do that in the first place, but we have no choice. As the way it stands today, my report & my husbands are inconsistent, which is impossible considering its a joint loan. We had put our faith in them this last time around, as the head of the department has been working with me personally, and learned about the delinquent reporting after applying for a mortgage! You can imagine the issues this has caused. We cant continue to deal with this, as each time our livelihood is greatly impacted. XXXX is abusing their reporting power.

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 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/22, at XXXXXXXX XXXX, I tried to access my checking account using a XXXX XXXX  ATM located at XXXX XXXXXXXX XXXX XXXX PA XXXX # XXXX My checking account is with Citizens Bank, but the XXXX XXXX  ATM was close to a restaurant where we had reservations. At first the ATM said " The card monetary limit exceeded please contact your financial institution. '' I tried to withdraw a lower amount but received a similar message that this withdraw could not be completed. Later the next week, when going online to see what my balance was, I noticed a {$400.00} dollar withdraw and several transaction fees. I quickly filed a complaint with Citizens Bank. 

Citizens Bank has refuted the claim that any fraud has occurred. I can not contact them directly, and they have failed to speak directly to me, nor have they asked for copies of the ATM printout. I have contacted the XXXX XXXX branch and per their teller, they have never heard from Citizens Bank regarding the transaction. 

I have made several phones calls ( they can not forward your call to the dispute department ) and have spent a lunch hour in a branch office, trying to recover my lost {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I have been paying my student loan for over 10years. I have had direct student loans and submitted a public service loan forgiveness application multiple times for XXXX public schools and XXXX police department. I am requesting that my payments made to my previous providers be counted towards my loan forgiveness. XXXX, XXXX XXXX, XXXX etc. my current provider is Mohela. Its been related to me via Mohela Representatives that my current count is XXXX of XXXX. That is inaccurate and I am requesting that the adjustments be made. Thank you for expeditiously expediting my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: MI

Complaint narrative:
Hello, I had six digital tokens from XXXX received between XXXX and XX/XX/2022 worth a total of {$65.00} ( XXXX {$10.00} XXXX  tokens from XXXX and one {$15.00} XXXX token from XXXX ). I had thought the tokens had one-year expiration windows, but when I went to redeem them in XX/XX/2022, I learned that they had all expired and actually had even shorter six-month expirations. 

I called the company 's customer service number on XXXX XXXX, XXXX, and was initially told that nothing could be done. The representative then said that the {$15.00} card from XXXX, which I'm guessing expired in XXXX ( XXXX months later ), could be reactivated for a {$12.00} fee, leaving {$2.00} ( that said, according to the screenshot I included, the funds were still available until XXXX XXXX, XXXX, so I'm not positive when it actually expired ). I did not accept this and instead, also on XXXX XXXX, filed a complaint with the XXXX  to XXXX / XXXX  Payments, the program manager for the prepaid cards, to raise the issue and hopefully resolve it more reasonably with the company. A number of other consumers had experienced the same issue I did ( ie, not being able to use their tokens before their expirations, and not realizing the expiration dates were so short ) and were offered one-time courtesies from the company. 

The company 's VP of Compliance has now responded to me twice via the XXXX  and stated that the terms and conditions were in the emails I received ( they were not ; I have included the token emails as attachments ) and that " We apologize but at this time we are not able to fulfill the cardholders request. '' They have not explained what criteria they use to offer some consumers " one-time courtesies '' while not offering them to others ( I have never received a one-time courtesy from the company ). The XXXX has only acted as an intermediary for sending my and the company 's responses, both of which I have rejected. I now realize that perhaps my complaint would have been better suited to the Consumer Protection Financial Bureau.

Company response to consumer: Closed with monetary relief