vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-30 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: OK

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized credit accounts that have appeared on my credit report. Upon reviewing my credit report, I noticed that several credit cards such as XXXX XXXX opened XX/XX/year>, XXXX XXXX opened in XX/XX/year>, XXXX XXXX open XX/XX/year> which was opened in my name without my approval or consent. These accounts are not ones that I authorized, and I believe that I have been a victim of identity theft. 

I suspect that my personal information was compromised in a recent data breach, leading to the opening of these fraudulent accounts. As a result, these accounts are adversely affecting my credit file, and I am requesting that they be removed in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which allows victims of identity theft to have fraudulent information removed from their credit reports.

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 2024-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Carma Enterprises Inc
State: MD

Complaint narrative:
I Sent a letter to XXXX Before the Repossession explaining my financial circumstances additionally showing my offer letter from my new employer providing my income. Nothing was taken into consideration so that i could receive 1/2 weeks additional to pay on my car note. I was signed up for a 5 year contract however you can see that i was making payments. I Fell on hard times and didnt have a job for a select few weeks but as soon as i found employment i informed my car loan company to inform them on future payments i wanted to arrang.

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 2024-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
Ok we started a modification in XXXX of XXXX  right from the start we were ordered to make all these additional payments totaling over XXXX before we got the loan modification now price if wgere it went they said corporate fees and late fees ( never late one time ) now our monthly payment is going up so much we are gon na be forced to declare bankruptcy we had to have our children move in to help keep our payments current dont matter still there stating corporate fees and late fees I feel because we are seniors they are taking extra advantage of us Please help before they get our house, also there is hundreds if not thousands of people with all the same issues on The same problem s they are having with Selene finance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted to withdraw funds from my Robinhood account to pay my bills, but my transaction was repeatedly reversed. For some unknown reason, Robinhood flagged my bank account as suspicious even though it has been linked to my Robinhood account for over three years. As a result, they restricted my account and prevented me from transferring any funds until their review process is complete. I have given them all the information needed in order to remove the restriction from my account. However, it has now been XXXX days, and my account is still restricted, with no clear timeline for when the issue be resolved. The deadline for the review keeps getting pushed back, and based on online reports, many other customers have experienced similar problems. For some, this has resulted in Robinhood permanently banning their accounts and withholding their funds. Although my account hasn't been banned yet, I'm concerned that it may happen to me as well, especially since I have {$15000.00} in Robinhood that I urgently need to access to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: NC

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.

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 2024-11-30 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: NC

Complaint narrative:
I have previously filed a complaint with the FTC regarding these negative accounts, but they are still present. It has been a while since I took action, and there has been no resolution so far. Additionally, I received a letter from the credit bureaus stating that I am not responsible for sending the letter to them, which is incorrect. I am the one who should send my letter.

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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There were some frandulent transactions made against my debt card ending in XXXX starting on XX/XX/year> for XXXX with XXXX XXXX, XX/XX/year> for {$370.00} with XXXX XXXX  XXXX, XX/XX/year> for {$190.00} with XXXX XXXX and XX/XX/year> for {$580.00} with XXXX XXXX. I contacted Navy FCU on XX/XX/year> to dispute the fradulent transactions and immediately close the debit card ending in XXXX. I received a new debit card at a local branch on XX/XX/year> ending in XXXX. Despite, freezing the old card, deactiviating the old card ending in XXXX and being issued the new debit card ending in XXXX, Navy FCU allowed the XXXX  XXXX to authorize a fradulent transaction for {$580.00} on XX/XX/year>. I did not authorize the transaction. This is XXXX of the reasons a new card was issued on XX/XX/year>. I recieved several blocked attempts with various amounts on the XXXX  XXXX  XXXX  on XX/XX/year> which were all blocked, only for Navy FCU to authorize a charge or {$580.00} after card was deactivated. On XX/XX/year> Navy FCU denied by fraud claim submitted on XX/XX/year> for transactions linked to compromised debit card XXXX with the following reasoning We reviewed your claim and found no error occurred in your account. Our decision was based on a review of your account activity. This includes, but is not limited to, transaction details, account history and/or differences between your claim and the activity in your account. I have filed an appeal on XX/XX/year> requesting information and evidence to support the denial. I did not authorize the above merchants access to my above transactions nor provided my debit card information. I am extremely concerned that despite closing the card ending in XXXX, Navy Federal still allowed the transaction of {$580.00} on XX/XX/year> be debited from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
We are approaching the usual due date. XX/XX/year>. I will now file a complaint monthly per every due date until you allow me to continue making payments. Whenever you are ready to receive the total of {$110.00} that was due in XXXX, please advise. Please note : I have not been able to pay my bill since my login was deleted thru no fault of my own at the end of XXXX. Until then, I'm holding onto my money. I'm so glad I didn't snowball this credit card like I started to. You all have proved that you don't value me or my business. Once this balance is gone, NEVER AGAIN! Please. Allow me to make payments as I always did timely and can prove with documentation. You considering this as a late payment is irrelevant because you made it impossible for me to pay it on time. Please see initial complaint one day before due date in XXXX. No late fees of any sort will ever be paid. Do not expect them. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject XXXX Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and XXXX, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-11-30 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: MS

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS -- ( 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 2024-11-30 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: CA

Complaint narrative:
The reinserted accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The incorrect address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Violations of FCRA laws ( Section 611 ( a ) ( 5 ) ( B ) for reinsertion and Section 605B for fraudulent information.

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 2024-11-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Marcus by Goldman Sachs had a major accounting error occur affecting a very large number of deposit accounts including three of mine and my wife 's CD accounts. Apparently it involved many customer accounts opened in 2024. The bank, when we learned of multiple wrongful Federal Backup Withholding debits to our CD accounts, implied that we chose to have to have that done which was not correct. Upon further inquiry, it was learned, and they admitted, that Marcus experienced a major systems error causing wrongful Backup Withholding debits from a large number of customer accounts. They refused to tell us how many customers were impacted. The transactions were not clearly identifiable on our online account information website and to date the full amount of the wrongful debits have not been credited back. The full accounting of the debit transactions by account is not apparent on the website suggesting additional concerns. Some corresponding credits and their associated accrued interest don't seem to line up with the wrongful debit amounts. It's been 2 months and thus far the matter has not been fully resolved. Customers are now put into the position of having to audit all their Marcus accounts and will have difficulty doing so without full transaction information which remains mysteriously absent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-30 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: CA

Complaint narrative:
Complaint Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I formally request that TransUnion block the accounts, collections, and hard inquiries identified below from my credit file within 4 business days as required by law. Written confirmation of this request should be sent to me. 

Background : I am a victim of identity theft and the XXXX data breach. My credit report contains unauthorized accounts that negatively impact my ability to obtain credit. 
Violations : The accounts and inquiries violate the following : -15 U.S.C. 1692e : False/Misleading Representations -15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy -15 U.S.C. 1681i : Failure to Investigate Disputes -15 U.S.C. 1681c ( a ) : Reporting Obsolete Information Accounts for Removal : 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

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 2024-11-30 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: CA

Complaint narrative:
Complaint Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I formally request that XXXX block the accounts, collections, and hard inquiries identified below from my credit file within XXXX business days as required by law. Written confirmation of this request should be sent to me. 

Background : I am a victim of identity theft and the XXXX data breach. My credit report contains unauthorized accounts that negatively impact my ability to obtain credit. 
Violations : The accounts and inquiries violate the following : -15 U.S.C. 1692e : False/Misleading Representations -15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy -15 U.S.C. 1681i : Failure to Investigate Disputes -15 U.S.C. 1681c ( a ) : Reporting Obsolete Information Accounts for Removal : Experian, XXXXXXXX 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

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 2024-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year> a fradulent charge in the amount of {$1600.00} with merchant XXXX XXXX posted to my debit card ending in XXXX. I disputed the fradulent transaction and closed the debit card. My card ending in XXXX was lost and not in possession at the time of transaction. I had left my wallet with the card inside while traveling at a local XXXX  XXXX. It was later returned by a store attendant. I did not purchase an XXXX. My Navy FCU claim was immediately denied when submitted. No investigation transpired in regards to the claim. Worried and concerned, I contacted Navy FCU via phone and was informed that the claim was denied and XXXX transaction was verified as no error. I requested the infomation used to determine the instant denial and never received it to this day. I submitted an appeal to have the claim re-reviewed and after 90 days Navy FCU sent a letter denying the appeal. The appeal did not contain any evidence as to how Navy FCU came to the decision. I feel that due to my demographics, Navy FCU is automatically denying my fraud claims without proper and legal reasoning. They neglect to submit any evidence to support their denial. By law, I can request validation, which Navy Federal is purposely neglecting to depict or provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-30 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: MS

Complaint narrative:
To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE THESE ACCOUNTS -- ( 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