vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
I am filing this complaint regarding the XXXX account ( Account Number : XXXX ) on my credit report, which contains multiple inaccuracies and reflects poor reinvestigation practices by the credit reporting agency , violating several provisions of the Fair Credit Reporting Act ( FCRA ). 

Specific Inaccuracies and Violations : Repetitive Charge-Off Reporting : The account has been reported as charged off ( CO ) every month from XX/XX/XXXX through XX/XX/XXXX, effectively re-aging the charge-off status, which is not allowed under 15 U.S.C. 1681c ( a ) ( 4 ). This practice extends the negative impact of the charge-off on my credit report beyond the permissible seven-year period from the date of first delinquency. 

Incorrect Balance Updates : Despite the account being charged off in XX/XX/XXXX, the balance was updated as recently as XX/XX/XXXX, suggesting ongoing changes to a static account, which contravenes 15 U.S.C. 1681c ( c ) ( 1 ). This update misleadingly indicates activity or re-aging of the debt. 

Failure to Provide Reinvestigation Process : Upon my dispute, I requested details of the reinvestigation process as required by 15 U.S.C. 1681i ( a ) ( 6 ). The credit reporting agency failed to provide a comprehensive explanation or reinvestigation results, violating my rights under the FCRA. 
Due to these repeated violations and inaccuracies, I am requesting the immediate deletion of this account from my credit report. Additionally, I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate these practices to ensure compliance with federal laws. 

Thank you for your attention to this matter.

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 2025-01-08 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: CA

Complaint narrative:
I am reaching out to dispute inaccurate information on my credit report regarding accounts that have been reported as late payments. Upon carefully reviewing my records, I have verified that these accounts were paid on time. 

This erroneous reporting has adversely affected my FICO Score. According to 15 U.S.C. 1666b under U.S. law, which addresses late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I respectfully request that the status of these accounts be updated to accurately reflect 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I had a car loan with Exeter Finance, that ended up being charged off due to the car being repossessed. My dad is a cosigner on this loan as well. After the car being repossessed, I was mailed a letter with a settlement of paying off the loan by giving them XXXX XXXX of what I owed. My dad and I signed this settlement on XX/XX/2024, and I paid the amount they offered me to close the account on XX/XX/2024, over the phone with their representative. Well, I got a call from a third-party collections agency that they sold the amount too, saying I owed them money. This is when I called the collections agency, XXXX XXXX and told them that I paid off the loan with Exeter Finance since I came to an agreement. So, I decided to call Exeter Finance and figure out what was going on. They told me that the payment I paid over the phone got returned, which is not true because I paid with my debit card and the payment would have gotten declined right then and there when I paid it over the phone. I even provided them with the bank statement showing that the payment didn't get reversed and even got a letter from my bank stating that the payment went through to them and didn't get returned back into my account. I keep contacting them about this, but they keep giving me the run around and it is affecting my credit score significantly. I contacted them via email XXXX months ago asking them to change the amount to XXXX but still have not heard anything back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

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 2025-01-08 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: GA

Complaint narrative:
On XX/XX/XXXX, you advised me that all negative accounts I was disputing had been updated and removed and you removed these accounts from my credit profile. However, on XX/XX/XXXX you reinserted an account and failed to delete several other negative accounts. This was done without proper verification as required by law. Experian has failed to address this matter promptly and accurately as required by law. I have names of Experian representatives I spoke with on several dates saying accounts were to be deleted in four business days according to 15 USC 1681c-2 ( a ). The same accounts being disputed have been removed from XXXX and XXXX report completely, so per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Experian is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of inaccurate accounts on my report directly contravenes this mandate. You are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. Also Experian reinserted Accounts that were deleted AND HAS NO PROOF OR VALIDATION TO REINSERT. EXPERIAN XXXX SEND INFO TO ME THE CONSUMER OF HOW ACCOUNT WAS VERIFIED. I have mailed and sent in all info and proof of deletions from XXXX and XXXX. I also uploaded all necessary info to Experian and sent certified mail and info was received according to Experian Reps

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 2025-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robinhood restricted my account XX/XX/XXXX. They have been prolonging the process to resolve the restriction that they said would take 3-5 business days. It's been more than 3 weeks and the restriction is still in review. There is no number to call to gain any type of information about the status of my account. I have given them all the necessary documents that they required of me but every time they say they will notify me ( through automated message ) they do not notify me of anything. Instead, they continue to push the the date back. It went from XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX to XX/XX/XXXX and so on and so forth. It is currently XX/XX/XXXX and now they say they'll notify me on XX/XX/XXXX after revising the notification dates over a dozen times. Ultimately, I feel as if my money is being held XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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. 
Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX has violated my rights. 

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 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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I had automatic payments turned on for my account. The original payment due amount that was due was {$140.00}. I paid the full principal balance of the account back to Bank of America on XX/XX/year> and had a negative balance on the account due to a refund received. Although I had a negative balance on my account, Bank of America still charged me {$140.00} for the monthly payment. I would expect Bank of America to have logic that says if an off cycle payment is received, that it would reduce the payment due by the amount received. I did not expect Bank of America to withdraw {$140.00} from my bank account because I did not owe them any money. Is it legal for Bank of America to take money from my bank account when I don't contractually owe them anything?

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 2025-01-08 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: IL

Complaint narrative:
the following inquiries were placed on my XXXX report and was not authorize by me : XXXX. XXXX XXXX XXXX XXXX XX/XX/24 XXXX. XXXX XXXX XXXX XX/XX/24 XXXX. XXXX XXXX, XXXX XXXX XX/XX/24 the following inquiries were placed on my Experian report and was not authorize by me : XXXXXXXX XXXX XXXXXX/XX/24 XXXX, XXXX XXXX XXXXXXXX XX/XX/24 XXXX. XXXX XXXX XXXX XX/XX/24 the following inquiries were placed on my XXXX report and was not authorize by me : XXXX XXXX VIA DEALER XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have had to endure gross customer service from XXXX XXXX, and received an incorrect pay off letter. Therefore, I dont trust them, because of their stall and procrastination with everything involved with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have had to endure gross customer service from XXXX XXXX, and received an incorrect pay off letter. Therefore, I dont trust them, because of their stall and procrastination with everything involved with 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BMANSOL Intermediate Holdings, Inc.
State: OH

Complaint narrative:
I used a cryptocurrency exchange " XXXX ''. They were owned by an American holding company. When I tried to log in my password did not work and it had no options for me to recover my password as I had changed phone number but my email was still the same. 

I had invested in multiple different cryptocurrencies on the exchange. I planned to check back in a year. They told me my password was incorrect and it would not let me use the password recovery feature. Some time later the exchange and website was shut down. 

I was never able to retrieve my cryptocurrency. 

Secondly, I had purchased a token called XXXX, they were shut down and investors were able to submit a claim my name was listed on the debtors 4 times. The website for the claim handling " Stretto.com '' said I could download a form and mail it in for a settlement. Unfortunately the stretto.com website would not render the form on their website and it would not print. I tried multiple times. Their phone and email support was virtually non existent. 

Basically I was defrauded even though the stretto XXXX  claimants could apply for reimbursement I was stonewalled on every attempt and received nothing. 

The companies who were involved- XXXX owned by a holding company XXXX XXXX XXXX 
The cryptocurrency XXXX The settlement manager Stretto.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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 was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXXXXXX XXXX  XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX - XX/XX/year> 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current 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 explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current 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 explanation
Consumer complaint received 2025-01-08 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: WA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Date XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Opened : XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Opened : XX/XX/XXXX Balance Owed : {$6300.00} Collection -v.n XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XXXX Date of Inquiry XX/XX/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