vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 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: AZ

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an erroneous credit information but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report XXXX XXXX  Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an inaccurate credit file entry, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit file entry. I do not consent to E-OSCAR or any means of automated verification.

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 2024-06-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I saw unauthorized hard inquiries on my credit report and need them removed immediately. This has been very detrimental to my credit and everyday life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: FL

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-08 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found this item to be inaccurate. 
Please delete all the late payments from this account. My account has never been late.

This is my 2nd attempt to get this item updated on my credit report. Please send me a copy of the investigation completed with my original contract for this company. If you are not able to send my original contract, then delete any, and all late payments. If my file is not updated, you will be in violation of the FCRA as follows.

Under 12 U.S. Code 1681a ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, 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 results of the reinvestigation, and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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 non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found this item to be inaccurate. 
Please delete all the late payments from this account. My account has never been late. 
This is my 2nd attempt to get this item updated on my credit report. Please send me a copy of the investigation completed with my original contract for this company. If you are not able to send my original contract, then delete any, and all late payments. If my file is not updated, you will be in violation of the FCRA as follows.

Under 12 U.S. Code 1681a ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, 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 results of the reinvestigation, and ( a ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-08 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this information and remove it from my report if 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 2024-06-08 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: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
XX/XX/XXXXXX/XX/year>. Tower loan. XXXX XXXX. These are inquiries on my credit report that didnt consent too. I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: TX

Complaint narrative:
XXXX XXXX is in violation of Texas debt collection practices as well as consumer privacy laws including fcra and fdcpa. I have repeatedly put them on notice and filed claims with the cfpb. Now complaining with the IRS and the OAG. 

XXXXXXXX XXXX nor its associated company XXXX XXXX XXXX are licensed in the State of Texas to collect on Debt. They have ignore previous disputes.

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 2024-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
After recently reviewing my latest consumer report from TransUnion, I noticed a total of 7 accounts that are still reported inaccurately even after they had been disputed numerous times. 

These existing accounts are out of compliance with the Fair Credit Reporting Act because they should be 100 percent accurate.

TransUnion is liable for each inaccurate account because during each dispute for the listed accounts, the agency was responsible for ensuring each account reported completely accurate per 15 USC 1681e ( b ) of the FCRA and that the furnisher of each account provided them the correct information so that the account could report accurately per 15 USC 1681s-2 ( 2 ). 

There are currently blatant inaccuracies which I have already disputed to no avail even after providing supportive documentation for each account. 

There is a possibility that I am dealing with a one-sided dispute process because TransUnion has only received unreliable information from the creditors. 
Over the course of XX/XX/2024 up until now I have disputed the accounts to no avail, The very same inaccuracies persist in the accounts. Nothing has been resolved, the accounts are unverifiable, incomplete and reported inaccurately.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this information and remove it from my report if 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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this information and remove it from my report if inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$17.00}, XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2900.00} Original Creditor : XXXX XXXX  Balance Owed : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2024-06-08 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnv Funding is in violation of Texas debt collection practices as well as consumer privacy laws including fcra and fdcpa. I have repeatedly put them on notice and filed claims with the cfpb. Now complaining with the IRS and the OAG. 

Lvnv Funding nor its associated company Resurgent Capital Services are licensed in the State of Texas to collect on Debt. They have ignore previous disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
On my XXXX, I discovered that I had become a victim of financial crime. One of the companies I was working for as a part-time employee had been hacked, resulting in the compromise of several of my cryptocurrency wallets, including Robinhood, XXXXXXXX XXXX XXXX. I immediately filed a police report, and upon the investigator 's advice, I also filed an FBI report. They recommended that I contact each crypto wallet provider and explain the situation. 

XXXX responded in a professional and helpful manner. They listened to my situation, requested relevant documents, and after conducting a thorough investigation, they acknowledged that my account had indeed been hacked. They decided to issue a refund for the unauthorized transaction amounting to {$7400.00}. 

A similar process occurred with XXXX. I submitted the required documents, and after four days, they confirmed the accuracy of my documents and recognized that my account had been compromised. Unfortunately, due to my residency in the USA, they were unable to reimburse my account. 

However, my experience with Robinhood was disappointing and shocking. After reaching out to inform them about the unauthorized transaction for a total of XXXX XXXX I received an email stating that there was no issue with my account and no transaction had taken place. They did not request any supporting documents or inquire about the disputed transaction. I called them to reopen the case, but the customer service representative I spoke with was extremely rude and refused to reconsider their decision. They also declined to accept any information I offered, including the police report and FBI report containing details of the incident. When I called them for a third time, another representative was equally rude and abruptly ended the call while I was speaking.

Throughout my interaction with Robinhood, I felt attacked and harassed by their investigation team. I requested a copy of the investigation and urged them to clarify why they determined that there was no issue with my account, despite evidence suggesting otherwise. However, they not only refused to provide me with the requested information but also hung up the phone, showing no interest in resolving my issue. 

I am seeking assistance in re-examining Robinhood 's investigation team 's conduct. The service I received from them displayed 100 % racism as they refused to listen to my side of the story or consider any information I could provide to support my claim of unauthorized transactions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: HI

Complaint narrative:
Contract Date is XX/XX/XXXX I have written them letters and sent the payment records to the company and Equifax for reviewing for corrections. They have not corrected anything, Equifax sent me back that they did't understand my letter. The company states that my account is XXXX month late. XXXX XXXX XXXX XXXX. This is not true I have proof I was always within my 30 days window. Also Equifax is not reporting correct information about company on my credit profile. The some major errors on my report with this company XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: TN

Complaint narrative:
On XX/XX/year>, I attempted to open a dispute online with XXXX XXXX  regarding a charge from XXXX XXXX XXXX XXXX in the amount of {$120.00} debited from my account around XX/XX/year>. I was prompted to contact my bank at phone XXXX to open the dispute for the charge. I called number provided on XX/XX/year> at XXXX and was connected to XXXX XXXX in the Disputes and Investigations Department, XXXX IL location. I advised XXXX of the situation with the charge and requested a chargeback. XXXX stated she would not open a dispute for the chargeback and to contact the merchant for assistance regarding a refund. I advised I had already attempted to contact the merchant on XXXX separate dates ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ) and had been unsuccessful in reaching the merchant. I advised that the merchant did not have any contact information ( phone, address, etc. ) other than an email address and that I had not received a response from the merchant. XXXX stated she was unable to assist with opening the dispute and to contact the XXXX XXXX XXXX  to report the merchant. XXXX stated that it was the XXXX  's job to help recover funds. I requested agent 's number, call reference number, supervisor name, bank contact information ( address ), and any form of written record that I made this request and that Discover bank was refusing dispute/chargeback request. XXXX stated the call was recorded and that she was unable to provide any additional information except her name, department, and that she was located in XXXX, IL, and callback number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one has reported late to my account when paid please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
I requested the refund amount of the student loan of {$31000.00} on XX/XX/XXXX that I paid on XX/XX/XXXX. Edfinancial processing time is so long, and I called them several times and they didn't give helpful information about the timeframe. Now that the refund amount has been reflected on my account, I am obligated to make monthly payments when I still haven't received my refund checks yet. Please help. I need the refund checks in order to make monthly payments for this student loan. 

Thank you so much for your help!

Company response to consumer: Closed with explanation