vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX ( XXXX ) XXXX Subject : Formal Request for Investigation and Removal of Incorrect Credit Reporting Information Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter related to the credit reporting of an account that has been charged off and closed, which continues to adversely affect my credit report despite my efforts to rectify the situation. 

The specific issue involves the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 623 ( a ) ( 2 ) : I have observed that the credit card account, which was charged off and closed, is still present on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), information that is inaccurate or can no longer be verified must be promptly removed or corrected. Despite the closure of the account, its persistence on my credit report is inaccurate and requires immediate attention. 

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 1 ) ( A ) : I formally requested the removal of this inaccurate information from my credit report, in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ), which stipulates that consumers have the right to dispute inaccurate information and have it investigated and corrected. Despite my efforts, the inaccurate credit reporting remains unresolved. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and facilitate the removal of the inaccurate credit reporting. The persistent presence of this charged-off and closed account is negatively impacting my creditworthiness and financial standing. 

Your prompt attention to this matter is greatly appreciated, and I trust that your intervention will lead to the resolution of this issue in accordance with the established consumer protection laws. 

Thank you for your assistance and commitment to upholding fair credit reporting practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: IL

Complaint narrative:
I am writing to follow up on my previous correspondence via the Consumer Financial Protection Bureau ( CFPB ) regarding my request for a reinvestigation and the subsequent removal of disputed negative items from my credit report. Regrettably, I have yet to receive any resolution or acknowledgment from your department, leaving this matter unresolved.

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 2024-02-20 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: TX

Complaint narrative:
I received a call from Keynote Consulting for collection of a debt for a social group which I am not a part of. I don't owe any debt to any social group. They mentioned if I don't pay the amount then they are going to impact my credit score.

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 2024-02-20 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-20 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: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I spoke with a supervisor of Transworld Systems XXXX/2024 to review my balance from the original creditor, XXXX XXXX. My initial balance of this debt has changed with debt collectors, as well as with Transworld wihich was initially {$670.00}. 

In early XXXX my balanced decrease to {$470.00} without understanding why. I do not recall owing the original debtor any money. 

I requested an itemized breakdown of what I owed so I could either take accountability for the debt, or have it removed. 

I'm attached the email with my XXXX transcript where I confirmed no debts owed. 

Collection Agency TRANSWORLD SYSTEMS INC Original Creditor Name 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 explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: GA

Complaint narrative:
I checked my credit report today and Discover Bank has reported that a charged off account is now over the credit limit!! That is a violation of the fair credit reporting act. Also they are reporting different balances to XXXX and XXXX which is also a violation. I live in the state of Georgia and the statute of limitations to collect credit card debt is six years.. The last payment made on this account was six years ago in 2018!!!! This account is hindering me from getting access to credit and is hurting my file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

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 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Robinhood Financial , LLC regarding the unjust and unexplained restrictions placed on my brokerage accounts since XX/XX/2024. Despite numerous attempts to resolve the issue directly with Robinhood, I have encountered significant challenges, including unhelpful responses and a lack of transparency. 

On XX/XX/2024, I discovered that my Robinhood accounts were restricted without any prior warning or explanation. Since then, I have made several attempts to seek assistance from various departments within Robinhood, but each time I was met with a dismissive attitude and the following automated response : " Your case will be closed immediately, and further communication will be followed up shortly by email. '' The subsequent emails received merely reiterated Robinhood 's right to close accounts as outlined in their terms and conditions, with a vague promise of returning funds if eligible. 

Despite my continued efforts, I have been unable to reach a specialist who could provide clarification or address the questions I have regarding the account restrictions. Moreover, my attempts to escalate the matter to higher positions within Robinhood have been thwarted, as I am either met with resistance or provided with excuses as to why I can not be transferred to a supervisor or manager. 

Adding to the frustration, the date displayed on my account message regarding the account review has continuously been pushed back since XX/XX/XXXX, and as of the current date, it reads " XX/XX/XXXX. '' Throughout this period, Robinhood has failed to initiate contact or provide any updates, leaving me in the dark about the status of my accounts. 

The prolonged restrictions on my accounts have resulted in significant financial losses and a diminished purchasing power, especially during critical market conditions. I have communicated this concern to Robinhood on multiple occasions, yet the issues persist, and my questions remain unanswered. 

I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure a fair resolution. I request your intervention to compel Robinhood Financial , LLC to provide a clear explanation for the account restrictions, promptly address the issues raised, and release the funds held in my brokerage account. 

Thank you for your attention to this matter, and I appreciate your assistance in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Received a phone call from XXXX at Wells Fargo today. She stated the letter I received with notification of an error and the {$200.00} check was sent out to many people. She said they are not stating there was an error. I play explained that is what my letter shows. She said it is not to be taken that way and also said that I have submitted the same complaint numerous times, and they will be replying in the same manner as they have each time and including the same copies. I explained that someone needs to review it thoroughly. She said our responses will be the same and you can keep filing over and over again but our review is not going to change. I asked if she was saying someone with a {$15.00} an hour job is going to be approved for a {$300000.00} mortgage? Her response was if you want to apply for a mortgage with Wells Fargo you can. I said well I had to make quite a lot more than that too get approved for my mortgage. However, when I tried to modify, they would not reduce my payment stating I could make an {$1800.00} a month mortgage payment while earning {$15.00} an hour at my job. She said their decision still stands and they will respond the same way each time no matter how many times I request a review. What type of review process is this? How is this beneficial to consumers? How does this help anyone if they are not looking into anything and just sending the same response? Wells Fargo is not being held accountable and your agency doesnt seem to care what they do to consumers.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I ordered my Experian credit report to check for my inaccuracies and have found an address that does not belong to me. I started a dispute online and was instructed to call Experian directly. In which I did. A representative told me that he was unable to remove the incorrect address because a creditor was reporting such address. I am now forced to explore our avenues to remove the incorrect address. I have attached my true accurate address as proof of my residency in accordance with my Experian credit file.

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 2024-02-20 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: FL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: AL

Complaint narrative:
On Friday the XXXX of XXXX, I made back to back transactions of {$110.00}. These transactions were made between Dave banking and XXXX XXXX. The transactions are narrated as follows ; Fri XXXX {$110.00} was deposited to Dave from XXXX Fri XXXX. {$15.00} deposited from Dave to XXXX Fri XXXX. XXXX deposited from Dave to XXXX Fri XXXX. {$110.00} deposited from XXXX  to Dave Unfortunately I never got the deposit of the last transaction of {$110.00} into my Dave account, whilst on the other hand my XXXX transactions show money being taken out by Dave inc. I have tried contacting both parties to no avail. Hence Dave claims it never received the money whilst XXXX is claiming that the transfer of the transaction was complete. Im left confused and fustrated, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I HAVE INQUIRIES ON MY CREDIT REPORT I DID NOT AUTHORIZED MOST OF THEM ARE ON HE SAME DATE XX/XX/year> LIKE THEM REMOVED PLEASE

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 2024-02-20 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: FL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Rights being violated under 15 USC 6802 Please see the attached

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 2024-02-20 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: FL

Complaint narrative:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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:
I request that you promptly remove this from my credit report as it is not associated with me and is clearly fraudulent.

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 2024-02-20 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: FL

Complaint narrative:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bounce AI, Inc.
State: IN

Complaint narrative:
This debt was recently purchased by one of my other complaints on XXXX XXXX  XXXX. I believe the current debt owner as well as XXXX XXXX XXXXXXXX are engaging in predatory, reckless, and illegal high interest loans as well as the selling or purchasing of them. I believe it is loan sharking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: WI

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my few attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency.

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 2024-02-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I offered to pay a lump sum of $ XXXX to discharge my loan. The agent laughed at me and said there was no way that would happen. 

I have never made more than $ XXXX since graduating, with multiple bouts of unemployment. I have struggled to repay this loan and the initial loan was $ XXXX, it is now at $ XXXX with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: NY

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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