vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-10-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, violated my rights. 
XXXX Account # XXXX, Violated my rights. 
DEPTEDXXXX  Account # XXXX, violated my rights. 
US DEPT ED Account # XXXX, violated my rights. 
XXXX Account # XXXX, violated my rights. 
XXXX XXXX XXXX Account # XXXX, violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) Account # XXXX, violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, violated my rights. 
XXXX Account # XXXX, violated my rights. 
XXXX  Account # XXXX, violated my rights. 

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. States, a consumer reporting agency can not furnish an account without my 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 2022-10-17 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: NY

Complaint narrative:
I wrote to the bureaus about my late payment with XXXX, I gotten that resolved, I called and emailed them, it came back verified but I know that was not possible because according to 15 usc 1666b it states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This is a violation I sent them an invoice for the violations, instead what they did is delete the whole account. 


As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o.

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 2022-10-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote to the bureaus about my late payment with XXXX, I gotten that resolved, I called and emailed them, it came back verified but I know that was not possible because according to 15 usc 1666b it states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This is a violation I sent them an invoice for the violations, instead what they did is delete the whole account. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o.

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 2022-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I was a customer with Robinhood Markets Inc since XXXX. 

In XX/XX/XXXX, I asked them if it was okay that I would go to XXXX to study for a XXXX XXXX XXXX. They said that's fine as long as I update my information. 

In XXXX, I got a new phone number, then when I called to update it, the incompotent employee XXXX told me Robinhood will still support my account while I was abroad. Then when I told her my new phone number, she immediately put a restriction on my account and told me to liquidate immediately because Robinhood isn't allowed to support me while I'm studying abroad. 

Eventually after speaking to incompetent and unknowledgeable staff after another unknowledgeable staff, they finally put me in contact with some very creepy and unresolving guy named XXXX who instructed me to " Liquidate my crypto '' in order to initiate a ACAT transfer that they had the nerve to tell me to pay {$50.00} for despite giving me misleading information. 

I tried to speak to other staff from Robinhood, but XXXX kept interjecting himself into my encounters with other Robinhood staff so that I couldn't speak with someone even though I told Robinhood I don't feel comfortable speaking with XXXX. His very domineering and incredibly abusive from what I gather. I sent him screenshots of problems with the app, I was trying to liquidate my crypto but my Robinhood Crypto account was essentially locked, I couldn't trade any crypto and it wouldn't liquidate and XXXX knew this but he kept demanding that I liquidate. He wasn't listening to anything I was saying and despite me telling their security team I didn't feel comfortable speaking with this creep, he kept overtaking the communications with Robinhood staff. 

Despite lying to me about being in another country, their creepy customer support guy XXXX continued to bully me and belittle me when I maintained I had a problem with their platform, it was malfunctioning and then they essentially kicked me off the platform. If they had told me back in XX/XX/XXXX that I can't have an account with them while I was in another country, I could have lived with that. I never had a problem with them in the past but this time was different and they treated me with an unacceptable amount of disrespect. How the XXXX can anyone treat someone like this, first you lie to me then you kick me off your platform because you fed me the wrong information but that's somehow my problem? 

I lost a ton of money when they liquidated my assets without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NY

Complaint narrative:
I wrote to the bureaus about my late payment with XXXX, I gotten that resolved, I called and emailed them, it came back verified but I know that was not possible because according to 15 usc 1666b it states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This is a violation I sent them an invoice for the violations, instead what they did is delete the whole account.

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Installment Account XXXX Partial Account Number XXXX, Credit Account XXXX Partial Account Number XXXX, Collections Account Partial Account Number XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A Section 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. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 non-monetary relief
Consumer complaint received 2022-10-17 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act Installment Account XXXX Partial Account Number XXXX, Credit Account XXXX Partial Account Number XXXX, Collections Account Partial Account Number XXXX, Has violated my rights. 

15 U.S.C 1681 section 602 A Section 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. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is not reporting properly to the credit bureaus AGAIN! My back credit dashboard alerted to this to me that XXXX XXXX XXXX is not reporting the account type which is suppose to be. XXXX XXXX- is maliciously reporting incomplete data regarding then two medical debts that are reporting. 

According to the fair credit reporting act, furnisher a list report complete, fair, and accurate data or they are to be removed- this is multiple times that I have had to report this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX is not reporting properly to the credit bureaus AGAIN! My back credit dashboard alerted to this to me that XXXX XXXX XXXX is not reporting the account type which is suppose to be. XXXX XXXX- is maliciously reporting incomplete data regarding then two medical debts that are reporting. 

According to the fair credit reporting act, furnisher a list report complete, fair, and accurate data or they are to be removed- this is multiple times that I have had to report this!

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TX

Complaint narrative:
I am submitting this CFPB complaint to follow up the previous CFPB I submitted to the Credit Bureaus requesting the removal of the disputed accounts and information from my Credit File. I have been submitting this multiple dispute letters and CFPB complaints requesting the same thing over and over again and yet the Credit Bureaus have done nothing! I am disappointed! My legal counsel is halfway complete with their lawsuit for the willful non-compliance of the Credit Bureaus. It is clear that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information from a consumer 's Credit Report. However, the Credit Bureaus have been ignoring my requests! I NEED THE CREDIT BUREAUS TO REMNOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX  XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021. If the Credit Bureaus claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with these items which bears my signature, as they have failed before. In the absence of any such documentation bearing my signature, I formally request that these information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC 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 2022-10-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this CFPB complaint to follow up the previous CFPB I submitted to the Credit Bureaus requesting the removal of the disputed accounts and information from my Credit File. I have been submitting this multiple dispute letters and CFPB complaints requesting the same thing over and over again and yet the Credit Bureaus have done nothing! I am disappointed! My legal counsel is halfway complete with their lawsuit for the willful non-compliance of the Credit Bureaus. It is clear that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any fraudulent accounts and information from a consumer 's Credit Report. However, the Credit Bureaus have been ignoring my requests! I NEED THE CREDIT BUREAUS TO REMNOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$690.00} XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021. If the Credit Bureaus claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with these items which bears my signature, as they have failed before. In the absence of any such documentation bearing my signature, I formally request that these information be immediately deleted from the credit file the Credit Bureaus maintain under my 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 explanation
Consumer complaint received 2022-10-17 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: TX

Complaint narrative:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to reinvestigate the disputed account reporting erroneous information on my Credit File. I am formally requesting with this CFPB Complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX Balance Owed : {$810.00} This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.

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