vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-25 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX for failing to comply with federal laws governing the handling of disputes under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. XXXX has refused to properly investigate or remove fraudulent accounts reported to FTC Identify Theft on my credit file, causing significant harm and violating my rights. 

Background : On XX/XX/XXXX, XXXX informed me that XXXX of the fraudulent accounts I reported on XX/XX/XXXX to the FTC Identity Theft as fraud accounts were " verified '' per the debt collector, despite being flagged as fraudulent. This response came after XXXX days of delay, resulting in an inconclusive decision and allowing the fraudulent accounts to remain on my credit report. 

CRAs Failure to Comply : Despite my clear and lawful dispute, XXXX either failed to perform an adequate investigation or improperly verified the accounts with the original creditors/debtors without validating their legitimacy. This constitutes a violation of my rights under XXXX XXXX. XXXX ( a ), which requires XXXX to conduct a reasonable reinvestigation of disputed information and delete inaccurate, incomplete, or unverifiable items. 

Harm Caused : The continued reporting of these fraudulent accounts is negatively impacting my credit score and financial well-being. Additionally, I have spent considerable time and resources attempting to correct this issue, only to encounter further delays and noncompliance by XXXX. 

Laws Violated : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : Equifax failed to meet its obligation to reasonably investigate my dispute under 15 U.S.C. 1681i ( a ). XXXX continued to report unverifiable and fraudulent information, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting. XXXX willful noncompliance with its obligations constitutes a violation of 15 U.S.C. 1681n, which provides for civil liability for willful violations, including damages, attorneys fees, and punitive damages. 
Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : XXXX improperly relied on a creditor or debt collectors unverified claims without ensuring the accuracy of the account, potentially facilitating abusive debt collection practices. This constitutes a violation of 15 U.S.C. 1692k, which provides for civil liability for violations, including actual damages, statutory damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: LEXISNEXIS
State: FL

Complaint narrative:
I am filing this complaint against XXXX for failing to comply with federal laws governing the handling of disputes under the Fair Credit Reporting Act ( FCRA ) and related consumer protection statutes. XXXX has refused to properly investigate or remove fraudulent accounts reported to FTC Identify Theft on my credit file, causing significant harm and violating my rights. 

Background : On XX/XX/XXXX, XXXX informed me that XXXX of the fraudulent accounts I reported on XX/XX/XXXX to the FTC Identity Theft as fraud accounts were " verified '' per the debt collector, despite being flagged as fraudulent. This response came after XXXX  days of delay, resulting in an inconclusive decision and allowing the fraudulent accounts to remain on my credit report. 

CRAs Failure to Comply : Despite my clear and lawful dispute, XXXX either failed to perform an adequate investigation or improperly verified the accounts with the original creditors/debtors without validating their legitimacy. This constitutes a violation of my rights under 15 U.S.C. 1681i ( a ), which requires XXXX to conduct a reasonable reinvestigation of disputed information and delete inaccurate, incomplete, or unverifiable items. 

Harm Caused : The continued reporting of these fraudulent accounts is negatively impacting my credit score and financial well-being. Additionally, I have spent considerable time and resources attempting to correct this issue, only to encounter further delays and noncompliance by XXXX. 

Laws Violated : Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : XXXX failed to meet its obligation to reasonably investigate my dispute under 15 U.S.C. 1681i ( a ). XXXX continued to report unverifiable and fraudulent information, violating 15 U.S.C. 1681e ( b ), which mandates accurate reporting. XXXX willful noncompliance with its obligations constitutes a violation of 15 U.S.C. 1681n, which provides for civil liability for willful violations, including damages, attorneys fees, and punitive damages. 
Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : XXXX improperly relied on a creditor or debt collectors unverified claims without ensuring the accuracy of the account, potentially facilitating abusive debt collection practices. This constitutes a violation of 15 U.S.C. 1692k, which provides for civil liability for violations, including actual damages, statutory damages, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood locked my cryptocurrency account on XX/XX/XXXX. They said it would be resolved by XX/XX/XXXX. They requested me to re-log back in and reset my password which I did then they requested a selfie from me, but there is no place for you to upload a selfie to send to them so I sent the selfie by email. Meanwhile, they do not answer their phone, they send you the same scripted email back every time that you open a case or an inquiry, they refuse to take the restriction off of my account so that I can trade, sell or transfer money back into my bank account. I have read on different social medias that this is an ongoing problem with Robinhood and that to contact the CFPB to get assistance in getting this matter resolved Im also going to contact the SECXXXX XXXX, FINRA and my stateAttorney General if this continues. Please help assist me with this matter as I am very worried that this is fraud or a scam now and they have quite a bit of my money locked down. thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
i noticed inquiries on my credit report that i do not AUTHERIZE and i contacted the all XXXX credit agency and was to to report to, IDthief and i have done so and the idtief report is attached please remove and delete from my profile

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 2024-12-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My information was used without my consent. I am a victim of the data breach and would like all accounts mentioned to be deleted pursuant to 15 USC 1681c-2 ( a )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: SC

Complaint narrative:
My information was used without my consent. I am a victim of the data breach and would like all accounts mentioned to be deleted pursuant to 15 USC 1681c-2 ( a )

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 2024-12-25 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: OH

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.

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 a 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 which antedates the report by more than seven 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 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 non-monetary relief
Consumer complaint received 2024-12-25 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: EQUIFAX, INC.
State: OH

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.

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 a 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 which antedates the report by more than seven 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 reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 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: 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.

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 a 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 which antedates the report by more than seven 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 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 2024-12-25 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: LEXISNEXIS
State: AL

Complaint narrative:
Last year back in XXXX I file a complaint against the credit report agency Lexis Nexis for reporting my personal credit information to other credit agencies with out my consent I also put a Security Freeze on Lexis Nexis to stop sharing my information but recently checked my credit report and noticed that negative and inaccurate information being reported by Lexis Nexis and other credit agencies and I want it to stop ASAP all of the inquiries that was filed with the CFPB as well incorrect name and address information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
My student loan status has been forbearance, but they still charge me interest as Unpaid Accrued Interest. Despite the fact that the interest rate would be 0 % during the forbearance, it still shows interest other than 0 as well as unpaid accused interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I am writing to confirm my participation in the legal action concerning Lexington Law, CreditRepair.com, and their parent companies, as detailed in the Consumer Financial Protection Bureaus ( CFPB ) case. I utilized their credit repair services during the period specified in the lawsuit and wish to ensure my inclusion as a victim in this matter.

During the relevant timeframe, I made payments to Lexington Law and/or CreditRepair.com for their credit repair services. My engagement occurred : Through telemarketing : I purchased credit repair services after being subject to telemarketing regarding their offerings, which falls within the period of XX/XX/XXXX, to XX/XX/XXXX. 
Through live transfers : Alternatively, I was live-transferred to these companies by XXXX of their marketing affiliates, as alleged by the CFPB, and subsequently made payments for services between XX/XX/XXXX, and XX/XX/XXXX. 
I understand that the court has found these companies to have violated the Consumer Financial Protection Act of XXXX and the Telemarketing Sales Rule through illegal upfront charges and deceptive practices. As a customer affected by these unlawful practices, I am providing this notification to assert my inclusion in the settlement or any restitution processes related to the case. 

Please let me know if you require any additional information or documentation to confirm my participation. I look forward to hearing about the next steps and ensuring my rights are appropriately addressed in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for a loan amount to use my affirm physical card at XXXX for XXXX. I was approved. I went into the affirm app while shopping at the store and reduced the loan request purchase amount as I realized I would not need that amount for the purchase. The app allowed me to request a smaller purchase amount. I used the payment card at the register and it was declined. I tried it a second time and it was approved for the purchase price but only went through for XXXX and I was required to pay a balance of around XXXX. After the purchase, I saw that the original requested amount was also processed. I contacted Affirm on the following days for help : XX/XX/XXXX, XX/XX/XXXX and was told the loan amount would drop off of my account balance in XXXX to XXXX business days. On XX/XX/XXXX, I check again with Affirm at their customer service phone number and am now told that it is now in another department and the representative stated she could not answer my questions. Since then, Ive contacted Affirm at : XXXXXXXXXXXX XXXX XXXXXXXX  on XXXX, XX/XX/XXXX and XX/XX/XXXX and have never received an email or call to find out the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-25 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: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding items listed on my consumer credit report : Truist BankXXXX I am entitled to see the source of the information, which is the original contract with ( original ) creditor, containing my signature, and original date account was opened.

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 2024-12-25 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: OH

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.

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 a 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 which antedates the report by more than seven 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 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 2024-12-25 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: GA

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.

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 a 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 which antedates the report by more than seven 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 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 2024-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Description of the Problem : I am filing a complaint regarding the improper reversal of the XXXX XXXX XXXX credit associated with my American Express card. According to the cards benefit terms, I am entitled to a {$50.00} credit for purchases made on XXXX between XXXX and XXXX. 

In XXXX, I purchased an item from XXXX, and the {$50.00} credit was successfully applied to my account. Later, I returned the item. During the XXXX period, the American Express app consistently showed that the {$50.00} credit had been applied successfully, indicating that there were no issues. 

However, on XX/XX/XXXX, this credit was reversed and charged back to my account. This untimely reversal made it impossible for me to take any corrective action to utilize the benefit, as the eligible period had already passed. 

Actions Taken to Resolve : I contacted American Express customer service to dispute this reversal. Unfortunately, I did not receive a satisfactory explanation or a resolution to the issue.

Company response to consumer: Closed with explanation