vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
This is in direct relation to my now closed complaint against XXXX ( XXXX ), as they refused to talk to me directly or assist in resolving this issue whatsoever and the CFPB subsequently closed that complaint after they provided them with false information regarding a response I've yet to receive from them directly. Apparently I have to now file the same complaint directly against USAA then hope XXXX will update their records accordingly quickly out of the kindness of their hearts so our family can financially recover one day.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I disputed to Transunion an account that was charged off on my credit report ( XXXX XXXX XXXX ) which makes it an income account that's not supposed to be on my credit report. I reached out to Transunion about this with the dispute department and I went over it and ( XXXX XXXX XXXX ) is still showing up on my credit report? This account is " Charged Off '' by the company which makes it an income account when they did this and from my understanding is not supposed to be on anyone 's credit report. I have disputed this account again today with Transunion telling them to remove this from my credit report immediately for a second time. I have also reached out to XXXX XXXX XXXX requesting a 1099C be sent to me which they refused to send me one while I was talking to one of there agents on the phone in 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Subject : Cease and Desist Request for : Account XXXX & Account XXXX Dear JPMorgan Chase Bank, I am writing regarding the above-referenced account. This letter serves as formal notice that I am requesting you cease all communications with me regarding this account, effective immediately, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

While I am requesting that you cease direct communications, I am also requesting that you upload the following additional information to the Consumer Financial Protection Bureau ( CFPB ) portal to ensure the accuracy of my records : Date of Last Payment Date of First Delinquency Date of Charge-Off Please note that this request is being made to verify the accuracy of the information being reported about this account. I expect you to comply with this request in a timely manner and to provide the requested details via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2024-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I previously filed a complaint ( Complaint ID : XXXX ) regarding being locked out of my Robinhood account despite attempts to regain access. The companys response was inadequate, and the issue remains unresolved.

Robinhood claimed my email address on file was unverified and outlined a process requiring verification via a link sent on multiple occasions. However, I never received these emails. They also indicated they contacted me via phone and alternate email, but this outreach was ineffective. The call was dropped, and follow-ups via alternate email were either not received or failed to resolve the issue. 

On XX/XX/year>, Robinhood Support stated that resolution steps were communicated, but I did not receive any meaningful assistance. The company alleges I failed to provide requested documentation to update my email address, yet I have no record of these requests or the ability to follow through due to their flawed communication methods. 

The issue remains that I can not access my funds. Robinhood 's processes have effectively denied me my right to retrieve my money. I have repeatedly asked for my funds to be returned, yet I am still locked out of my account and unable to resolve this matter despite their claims of resolution. 

Desired Resolution : I demand the immediate return of my funds deposited into my Robinhood account. If the account can not be accessed due to their flawed verification system, they must provide an alternative method to close the account and refund the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a customer/consumer of the financial institution JP Morgan Chase Bank and its subsidiaries/parents/affiliates ( hereinafter Chase ). 

For the months of XX/XX/XXXX and XX/XX/XXXX, Chase reported a late payment to credit reporting agencies as seen in Attachments XXXX, XXXX, and XXXX. 

Attachment XXXX is correspondence from me to Chase which shows the amount was still in dispute as of XX/XX/XXXX, thus, no reporting should have taken place according to Title 15 U.S. Code 6801s-2 which states that furnishers of information 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. Chase had reasonable cause to believe the information was inaccurate based on my billing error notice and evidence submitted. 

Attachment XXXX also shows that I exercised my right to opt out of credit reporting as provided by privacy laws. Title 15 U.S. Code 6801 states, 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, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Chase failed to abide by my opt out instruction. Consequently, I have been both harmed and inconvenienced as proven by Attachments XXXX through XXXX. 

Furthermore, Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. Chase never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I exercised this right in my XX/XX/XXXX correspondence/opt-out instruction. I amend the instruction to add that Chase shall not report any information to a credit reporting agency that can possibly be construed as a negative item in terms of consumer reporting, such as, but not limited to, balance ( s ), highest balance, credit usage, remarks/comments, late payments, etc. ; nor shall Chase share, sell, report, give, or otherwise transfer my nonpublic personal information to a non-affiliated collection agency. This instruction applies to all information past, present, or future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XXXX They took out out my account were I received social security I'm XXXX. They took {$600.00} and freeze my account with my social security payment in it and they also took {$100.00} out my son savings account my son is in XXXX with XXXX. I had no knowledge that they would of freeze nor take money out my account. So how do I supposed to pay bills. The XXXX XXXX XXXX  stated that I can not remove no money from the account. I have XXXX  XXXX XXXX and XXXX XXXX  XXXX and my XXXX  is messed up. I also pays for my medication now how I can't get my meds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: CA

Complaint narrative:
Credit inquiries on my report that are not from me

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 2024-12-12 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: FL

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. I viewed my equifax credit report on XX/XX/year> and noticed there were things that are not accurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background
State: AL

Complaint narrative:
I interviewed with XXXX  to deliver packages during XXXX season. I was hired and given a schedule to begin work 3 days later. I received a email from Accurate about adverse action taken due to my background check. I spoke with them on the phone and explained to them what was inaccurate and asked them to please fix before XXXX  when I start work. They said they would investigate. 
Next day got an email saying they are moving forward with other candidates. I still have no update from Accurate.

The error on report was a XXXXXXXX XXXX that was thrown out in court because it was a false police report. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The particular charge is offensive and when employers see it they panic. This same company, Accurate cost me XXXX jobs this XXXX, they also cost me a job with XXXX  last XXXX. Which I reported and filed a complaint but no word, no change. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, paid all fines yet its still on the bc every single time. It states on the Accurate website that the timeframe is 7 years on a XXXX. Talking to representative on phone, she was condescending and really made a big joke of it. I have a hard enough time finding work I can do since my recent XXXX. And everytime I get hired it seems accurate, or XXXX XXXX bring XXXX XXXX XXXX and stuff I did in high school up to harm me in the present day.

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

Complaint narrative:
Several unauthorized accounts have recently appeared on my credit report, and theyre having a serious impact on my credit score. These accounts were opened without my knowledge, and theyre presenting a misleading view of my financial history.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a customer/consumer of the financial institution XXXX XXXX XXXX Bank and its subsidiaries/parents/affiliates ( hereinafter XXXX ). 

For the month of XX/XX/year>, XXXX reported a late payment to credit reporting agencies as seen in Attachments XXXX, XXXX, and XXXX. 

Attachment XXXX is correspondence from me to XXXX which shows the amount was still in dispute as of XX/XX/year>, thus, no reporting should have taken place according to Title 15 U.S. Code 6801s-2 which states that furnishers of information 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. XXXX had reasonable cause to believe the information was inaccurate based on my billing error notice and evidence submitted. 

Attachment XXXX also shows that I exercised my right to opt out of credit reporting as provided by privacy laws. Title 15 U.S. Code 6801 states, 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, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. XXXX failed to abide by my opt out instruction. Consequently, I have been both harmed and inconvenienced as proven by Attachments XXXX through XXXX. 

Furthermore, Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. XXXX never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I exercised this right in my XX/XX/year> correspondence/opt-out instruction. I amend the instruction to add that XXXX shall not report any information to a credit reporting agency that can possibly be construed as a negative item in terms of consumer reporting, such as, but not limited to, balance ( s ), highest balance, credit usage, remarks/comments, late payments, etc. ; nor shall XXXX share, sell, report, give, or otherwise transfer my nonpublic personal information to a non-affiliated collection agency. This instruction applies to all information past, present, or future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Bank has claimed that my account was verified through XXXX ; however, this raises significant concerns regarding their compliance with the Gramm-Leach-Bliley Act ( GLBA ) and related consumer protection laws. Under the GLBA, financial institutions are required to protect consumer information, ensure its accuracy, and handle it responsibly. By relying on a third-party aggregator like XXXX without directly validating the account details or providing proper documentation, Citi Bank may have violated these obligations. 

Key concerns include : Failure to Protect Financial Information : If Citi Bank outsourced verification to XXXX without securing my explicit consent, they may have improperly disclosed sensitive financial data, violating the GLBAs Privacy Rule.

Failure to Ensure Accuracy : The verification process should involve Citi Bank confirming the legitimacy of the account directly, not relying solely on third-party data, which may be incomplete or incorrect. 
Lack of Transparency : Citi Bank has not provided clear documentation showing how the account was verified, nor have they demonstrated that XXXX performed a legally compliant investigation. 
I demand that Citi Bank provide : Proof of my explicit consent to share my personal financial information with XXXX. 
Detailed documentation of the verification process, including how XXXX validated the account. 
Immediate removal of any inaccurate or unverifiable information from all credit bureaus.

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 2024-12-12 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: IL

Complaint narrative:
It has now been XXXX  days since I requested to see the nature and substance of all information in Equifax 's files on me, the consumer. I submitted this request to them XX/XX/2024. Per the Fair Credit Reporting Act Section 609, I requested this information by mail and I have yet to receive it. Despite not receiving the requested information in the mail, Equifax continues to report the inaccurate and unverified information to my credit report. Per the Fair Credit Reporting Act Section 611 " if after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. '' Equifax has failed to provide the requested verifiable proof and failed to submit a response by the XXXX  day deadline given to them. I request the immediate removal of accounts ending in XXXX and XXXX from my credit report.

Company response to consumer: Closed with non-monetary relief