vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-24 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: TX

Complaint narrative:
I Disputed the validity and Account status of Account Number: XXXX  with XXXX  XXXX  (Original Account holder) & XXXX XXXX  (Current Collection
Account furnisher) through certified mail on XXXX XXXX XXXX This account was never a chargeoff and it should not be reported on my consumer report. I also received a signature of the
dispute via receipt through certified mail on XXXX XXXX XXXX XXXX XXXX  has NOT
responded to my dispute, nor has 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 2024-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I Disputed the validity and Account status of Account Number: XXXX  with XXXX XXXX (Original Account holder) & XXXX XXXX (Current Collection
Account furnisher) through certified mail on XXXX XXXX XXXX. This account was never a chargeoff and it should not be reported on my consumer report. I also received a signature of the
dispute via receipt through certified mail on XXXX XXXX XXXX XXXX XXXX has NOT
responded to my dispute, nor has XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 

, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX : XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX  : XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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

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 2024-03-24 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: ALEXANDER-ROSE ASSOC, INC.
State: PA

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. 

, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX : XXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATIONXXXX : XXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: EQUIFAX, INC.
State: PA

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. 

, DEPTEDXXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXX XXXXXXXX, DEPT OF EDUCATION/XXXX XXXX XXXXXXXX, has 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish and 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.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Hi I currently have a student loan for XXXX  school through XXXX  connect. My first loan payment started after interest resumed for the XXXX forgiveness period. During this loan forgiveness time period I was not making payments. Once I started payments I was told that this loan was never eligible for interest forgiveness like my other student loans because it was a different type of private loan. I paid the total amount for the 6 loan payments all at once to avoid forbearance and catch up on my amount. I am requesting to removed my missed loan payments remarks which is negatively affecting my credit score payment history due to the 6 missed payments during this period. This in affect is affecting my credit score and ability to obtain future mortgage, credit cards, etc. Thank you for your time in reviewing my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: VA

Complaint narrative:
All these Accounts are reporting fraudulently please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: IN

Complaint narrative:
Im paying a 25 % apr on my car note through American credit acceptance and XXXX having trouble paying it due to this high percentage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 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: TX

Complaint narrative:
I requested that XXXX XXXX validate the charge-off account : XXXX reporting on my consumer report along with the original contract that I signed in XXXX of XXXX  through certified Mail. Additionally, I requested if the account 's debt can not be validated through a contractual agreement, or receipts of late payments, then the account must be removed from my XXXX XXXX Transunion consumer report. XXXX XXXX has still NOT responded to my dispute however, they are still reporting the account on my consumer credit report with XXXX and Transunion. This is a violation of my consumer rights per the FCRA & FDCPA : Consumer disputes and reporting legal processes.

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 2024-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CAPITAL ONE BANK HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-03-25 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood credit, You become my only headache. How many times I can request for deleteion, are you guys XXXX crazy??? you reporting wrong, unauthorized, fraudulent charges and account under my name, delete this account asap. 

Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The debt that LVNV Funding LLC is trying to collect is not mine. I was never notified prior to this year about it. I had closed my account with them in earlier XXXX. I was never notified about the debt till XXXX of XXXX. The debt is {$660.00}, and I wasn't notified of this debt. This collection was added to my credit report without my consent. The company they are collecting for is XXXX XXXX. I called early XX/XX/XXXX to close that account and made my last payment. They said my account would be closed. That was the last time I talked to that company. Then XXXX of this year I was notified that I owed them money for an account I know I closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This is the letter I sent them. " I am writing you with clean hands and in good faith. I am reaching out to you on behalf of the principal XXXX XXXX XXXX XXXX. I am accepting all rights and interest equity owed to XXXX XXXX XXXX XXXX. I revoke all previous power of attorneys expressed implied otherwise. The principal applied for Credit on XX/XX/2024 app Id XXXX and was denied. Regardless of the reason for the denial the principal has the right to credits. With holding the principals access to securities is securities fraud. NAVY FEDERAL FINANCIAL GROUP/ NAVY FEDERAL CREDIT UNION is violating the Equal Credit Opportunity Act, TILA, and Consumer Credit Protection Act. Since you are denying the principal access to credit, Ive asked the lending/underwriting team to retract the application, violating the rights again they told me no the application cant be retracted. I want to reserve all rights here, if the application cant be retracted then we both know that the loan was granted at the Treasury window, and I would like the credits so that I can purchase the truck for the pursuit to happiness Furthermore, If Im still being denied I would like to retract the application and rescind my signature on all documents and or securities. I would like for XXXX XXXX XXXX XXXX balance to be applied to XXXX XXXX XXXX XXXX account for set off for this transaction. I am writing you in good faith for I am doing the will of XXXX. I am looking forward to hearing your response in five ( 5 ) business days. '' XXXX XXXX XXXX XXXX Attorney-in-fact for XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I got a vehicle through credit acceptance the remaining balance didnt change hardly after payments so they repossessed the vehicle and sold it but still saying I owe XXXX but the car had mechanical problems after purchase

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 2024-03-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: SC

Complaint narrative:
I filed XXXX individual Disputes on XX/XX/2024 when I was made aware of fraudulent charges to my debit card from XXXX  and XXXX. There were XXXX transactions on the first claim and XXXX transactions on the second claim. On XX/XX/2024 Skylight one debit card issued me provisional credits and then took them back to make my account in the negative stating that I had not sent a letter of Dispute.. I had sent a letter of Dispute and also had filed a dispute online with the bank. I still do not have these disputes resolved.

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 2024-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I joined a Robinhood Brokerage in pursuit of purchasing XXXX for low fees. On XXXX I financed my account with XXXX XXXX from my Primary checking acct of XXXX. I immediately spent the sum purchasing XXXX within Robinhood. I attempted to withdrawal all cryptocurrency and was notified by Robinhood that " Suspicous Activity '' had been detected associated with my account. As a result Robinhood restricted my account. I was prevented from ever having possession of my XXXX. After investigating for many days and being pressured by self to conclude their investigation so that I would be able to send coin, Robinhood terminated my account sans providing any explanation of the reason behind such action. Robinhood sold the sum of my XXXX which had appreciated in value - increasing {$300.00}. The money of proceeds was shown as " Withdrawable Cash '' but all attempts to withdraw those funds failed & invariably a message saying " money can not be withdrawn from restricted accounts ''. I made a litany of attempts to obtain assistance by Robinhood staff to address the matter. Not one of them appeared to ever pursue a solution. I know not how, short of filing a civil claim, I can retrieve what is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Putting in claim for onemain financial for non deceptive sales practices and and not giving full disclosure for installment loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-24 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XX/XX/1023 I purchased a Mattress from XXXX XXXX in XXXXXXXX XXXX For {$1100.00}, under their purchase agreement the Mattress can be returned or exchanged within 90 days. After sleeping on the Mattress for less than thirty days I went back to XXXX XXXX and said that I wanted to exchange the Mattress. They agreed without any problem. I purchased another Mattress for {$1700.00}, They ( XXXX XXXX ) schedule the pickup and delivery of the new purchase for XX/XX/XXXX XXXXthat scheduling date was met no problem, I received receipt for the pickup and delivery. I received an invoice from Synchrony Financing company which had not deleted the returned mattress from the invoice. I called customer service and the rep said that they needed to verify with XXXX XXXX the transaction. I went to the XXXX XXXX where I had made the purchases and the person who identified himself as a manager, said that the dispute was between me and Synchrony, that they are in charge of financing and he could not get involved. I called Synchrony customer again and the rep told me that my initial dispute had been denied and that I would need to make a new one and it could take up to 60 days to complete. Note I am paying {$150.00} on the amount owed. Remove {$1100.00} from my account. Item have been returned.

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 2024-03-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There are several inaccuracies on my Equifax consumer report that i would like removed and addressed The name " XXXX XXXX XXXX '' is present on my Equifax consumer report this name does not belong to me and dos not represent me I would like only the name " XXXX XXXX '' present on my consumer report. 

addresses The address " XXXX XXXX XXXX XXXX, LA XXXX '' this is a non mailable address and I can never be reached at this inaccurate address. i would like this address removed from my consumer report Accounts XXXX XXXX  Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX - 60 days late XX/XX/XXXX - 90 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX The account " XXXX XXXX XXXX  Account Number XXXX Reported : XXXX. XXXX, XXXX '' {$430.00} This collection account is being reported as " Active /Open '' being that is account is charged off and reported as a collection is it illegal for this account to be reported as Open if it is a collection account. Per the laws found in 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, i would like this account removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-24 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: MI

Complaint narrative:
There are several inaccuracies on my XXXX consumer report that i would like removed and addressed The name " XXXX XXXX XXXX '' is present on my XXXX consumer report this name does not belong to me and dos not represent me I would like only the name " XXXX XXXX '' present on my consumer report. 

addresses The address " XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX '' this is a non mailable address and I can never be reached at this inaccurate address. i would like this address removed from my consumer report Accounts XXXX XXXX Have the derogatory remarks that i want removed pursuant the laws that protect me the consumer found in 15 U.S. Code 1681a remarks : - '' Payment Status Charge-off '' - 30 days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Hard Inquiry Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX Reported : XXXX. XXXX, XXXX '' {$430.00} This collection account is being reported as " Active /Open '' being that is account is charged off and reported as a collection is it illegal for this account to be reported as Open if it is a collection account. Per the laws found in 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, i would like this account removed 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