vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 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: NV

Complaint narrative:
since 2020, I have fervently reached out to the consumer reporting agencies as well as the creditors listed on the attached documentation regarding how Ive been impacted by XXXX data breach. Ive informed the consumer reporting agencies of the identity theft as well as provided the consumer reporting agencies with sufficient proof in the form of affidavits, as well as locally filed police reports regarding the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX bank. Despite my continuous, dreadful, and unsuccessful attempts to rectify my credit file, the consumer reporting agencies have been negligent and non-compliant to the FCRA 605b and promptly blocking and removing these accounts from my consumer credit profile. I have informed the consumer reporting agencies that the accounts listed on my affidavit are not related to any transactions made by me, and that my request was not made in error. a result of XXXX data breach, XXXX have promptly blocked and removed the account from my credit file, however, XXXX and Transunion have refused to do so by stating that they do not block and remove accounts. I am requesting that the CFPB aid me in the removing of these fraudulent accounts from my profile, as I have endured tremendous adversity as a result of this breach. I am also using this final, good faith attempt with clean hands, to support me should I have to seek monetary damages if this final attempt is unsuccessful. attached are the following : XXXX qualification claim that proves I was a victim of XXXX data breach, FTC affidavit, local police report, drivers license, and Social Security card.

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 2024-01-18 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: FL

Complaint narrative:
A few fraudulent accounts are reporting my on credit report. I have attached a new FTC report along with my DL and Passport. I have contacted the credit bureau regarding these fraudulent accounts on my credit profile and also sent the document via mail back on XX/XX/year>. I gave them 15 days and called back to be told by the agent that they did not receive anything. They also told me to get a new FTC report. This situation has caused serious headaches. I had to go to the XXXX pharmacy to purchase 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 2024-01-18 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: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
All I need to do is withdraw my money - I have states many times ( in writing ) that I have my social security number, ID, and whatever else they need- I have sent self photos with ID matching next to my face showing I am who I say I am and still they won't let me withdrawl my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: AR

Complaint narrative:
I took out the loan to make payments for once a month. They claimed it was for twice a month. While taking out payments from my account, it the payment was not there I was charged a fee. Also, they were taking money twice a month. Finally, when they changed it to once a month, it was still a doubled payment. Also, it is hard when I try and get into the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
" I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank 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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
" I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank 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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please review the attached documents. I request an investigation into the accounts reporting me as late, despite my consistent on-time payments.

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 2024-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Please update my account and remove the XXXX  XXXX  payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even XXXX  properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I disputed transactions from XXXX XXXX with USAA for my checking account. 

USAA has multiple times, provided temporary credits and then reversed without proper explanation. XXXX was allowed to then debit my account even after dispute and stop payment filed. 

USAA processed transactions out of sequence to include temp credit reversal which resulted in negative balance in my checking account. 

I attempted to get information on the reversal on XX/XX/XXXX prior to it occurring or even change the date and was told nothing could be done. This is set to happen again on XX/XX/XXXX with another reversal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: LA

Complaint narrative:
I recently checked my credit reports XXXX, XXXX, and XXXX and noticed a collection account from Diversified Adjustment Service , Inc # XXXX that's demaging my credit reputation. I have no knowledge of Agreements for these accounts It is illegal for them to continue to collect these debts. I'm not saying it's fraud or identify theft I'm not saying it's not fraud or identify theft. I have no information or knowledge about these debts soI would like themy to send these debts back to the original creditor. I don't even know if what they saying I owe is even correct. I don't know anything about these debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
In XXXX of XXXX my mom and I received notification that a verification form from Discover had to be completed or my account would be closed. My mom and I got the form completed and notarized and my mom sent her bank statements. We then got a letter in XXXX stating the verification form was not completed correctly and we had to redo it. I came home from school and my mom and I get the verification form completed for a second time and she resent it with the bank statements on XX/XX/XXXX. We heard nothing from Discover but on this week I went to check something on the card and saw that there was XXXX available so when I asked in a chat I was told that the account was closed because they did not receive the requested information but my mom did send over the paperwork. Now my account is closed and it's going to hurt my credit. I have other friends who have the same card and they didn't have to go through this process so why was I selected to do this? My mom pays the bills and there has never been any missed payments. I do not want the card anymore however I do not want my credit negatively affected by it either because their uploading process is inefficient and horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Please review and reopen my original complaint filed : XXXX. That complaint should not have been closed. CASH APP did not provide any substantive evidence of their claims. It's offensive that they claim I authorized this transaction. I have stated repeatedly that I did not and I am the victim here and they continue to victimize me. 

Someone one named XXXX XXXX illegally connected their card to my cash app. That is a fact. I did not authorized this. That is another fact! 

Cash App is lying in their response. They did not investigate and they certainly have not provided any proof of their claim that I alegedly authorized someone to steal {$250.00} out of my account. How does CPFB justify closing this claim? Are there any humans looking at the details of this claim? 

Please reopen my claim and investigate further or make Cash App provide actual evidence. They need to refund my money immediately. 

I would like a phone call from a human on this matter. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Dear SYNCHRONY BANK I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX I never gave you Consent to do so which is in violation. 
15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 


15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used online bill pay to pay my HOA fee in XXXX and XXXX, BOA appeared that they should mailed the paper check to the bank which HOA named. I did XXXX XXXX through BOA online bank on XX/XX/XXXX and XX/XX/XXXX, BOA appeared the paper check delivered on XX/XX/XXXX and XX/XX/XXXX. But HOA charged me the late fee in XXXX, because they received my HOA fee on XX/XX/XXXX! the due day is XXXX per month. This month, XXXX, I just confirmed that HOA received on XXXX! This month they sent me which check they received, I found they received the paper check is not from BOA that I used the bank! Inkstand of bank is XXXX XXXX! and date on the check is not the date I did bill pay, instant of the date which the check delivery date! I do not know what happened with BOA, but I am sure there has some serious problem at my BOA account! I attached the file about this case for your reference!

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 monetary relief
Consumer complaint received 2024-01-18 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: NV

Complaint narrative:
Experian, XXXX, and XXXX Name : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX remove Late payments Account Number 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 2024-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
KOHLS, is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXX XXXX XXXX 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( KOHLS ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( KOHLS ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX XXXX XXXX XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. KOHLS, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from KOHLS, for the cancelled debt of { { {$640.00} } } in order to file as ordinary income. Where is my 1099-C? KOHLS is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! KOHLS has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In KOHLS terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX XXXX AND XXXX are not affiliates of KOHLS nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX, Tranunions, and XXXX Name : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX remove Late payments Account Number 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 2024-01-18 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: NV

Complaint narrative:
XXXX, XXXX, and Equifax Name : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX remove Late payments Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: MO

Complaint narrative:
Experian just notified me again they want my bank statements, NO WAY IN XXXX I PROVIDE THIS FRAUDULENT COMPANY MY BANING INFORMATION AGAIN. MY BANK ACCOUNT IS ALREADY HOOKED UP TO EXPERIAN THROUGH XXXX I JUST CALLED THIS CROOKED COMPANY AND THEY HING UP AGAIN WHEN I TOLD THEM I WAS ALSO RECORDING.

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 2024-01-18 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: TX

Complaint narrative:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake

Company response to consumer: Closed with explanation