vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Also there was no proof of how the debt was validated and I never received a method of verification letter or a XXXX form ( Debt Of Cancellation ). Please remove these closed/late accounts : XXXX XXXXXXXX ( Late {$73.00} ), AFFIRM XXXX ( {$360.00} ), XXXX XXXX XXXX XXXX {$3000.00} ), XXXX XXXX XXXX XXXX {$1900.00} ), XXXX XXXX XXXX ( Late ), XXXX XXXX ( {$200.00} XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Also there was no proof of how the debt was validated and I never received a method of verification letter or a XXXX form ( Debt Of Cancellation ). Please remove these closed/late accounts XXXX XXXX XXXX ( Late {$73.00} ), XXXX XXXXXXXX ( {$360.00} ), XXXX XXXX XXXX XXXX {$3000.00} ), XXXX XXXX XXXX XXXX {$1900.00} ), XXXX XXXX XXXX ( Late ), XXXX XXXX ( {$200.00} 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 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
In early 2020 my apartment was broken into and several identity documents were stolen. After this theft I found several accounts had been opened in my name without my knowledge and then later found that several accounts that I had opened had been compromised by a third party. I did open a Robinhood account along with their Spend account. I later discovered that my Robinhood account had been accessed by a third party and several withdrawals from my spend account card had taken place. I attempted to dispute this with Robinhood both online and through their app but their customer service was incredibly unhelpful and after multiple attempts over the course of many months to file this dispute I finally had to resort to filing this complaint with hopes that this intervention will cause Robinhood to finally act. I did file a police report and have attached the report to this complaint along with a full list of items to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: PA

Complaint narrative:
Demand for Deletion of Unauthorized and Unverifiable Hard Inquiries Dear TransUnion, I am writing to formally dispute and demand the immediate deletion of unauthorized and unverifiable hard inquiries that appear on my credit report maintained by TransUnion LLC. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I request that you conduct a thorough investigation into the following inquiries : 1. XXXX date : XX/XX/2023 XXXX XXXX date : XX/XX/2022 These inquiries are a violation of my privacy rights and have been made without my consent. 

2. **Verification of inquiries : ** For each inquiry listed, please provide verification that it was authorized by me or otherwise permissible under the provisions of the FCRA . This includes any permissible purpose under 15 USC 1681b. 

According to 15 USC 1681b, consumer reporting agencies such as TransUnion must ensure that any information they report is accurate, up-to-date, and verifiable. Unauthorized inquiries not only jeopardize my credit score but also infringe upon my rights under federal law. 

I demand that all unauthorized and unverifiable hard inquiries be promptly deleted from my credit report. Please provide written confirmation once this investigation is completed and the unauthorized inquiries have been removed. 

Additionally, as per the FCRA, I request that you provide me with a free copy of my updated credit report once the unauthorized inquiries have been removed. 

Please respond in writing within XXXX  days of receipt of this letter. Failure to comply with these requests will leave me no choice but to pursue legal remedies available to me under federal law. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX of 2024 CITI Bank decided to close my bank account with no warning and or explanation. I have reached out multiple times to CITI Bank employees via phone call same day XX/XX/XXXX of 2024 at XXXX, next morning XX/XX/XXXX of 2024 at XXXX. I was given no explanation of reasoning to why my account has been disabled and blocked. I have been denied access to my mobile Citi bank app as well. XX/XX/XXXX of 2024 at XXXX I have contacted CITI Fraud Service line and wasnt given any information as well. Did not receive any physical mail/ letter, email and or phone call to why Citi has denied my account and funds.

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 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: IL

Complaint narrative:
My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XXXX XXXX XXXX The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from XXXX XXXX through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered XXXX XXXX to stop remittance activities on XXXX XXXX XXXX SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
I receive a hard inquiry on my credit report and i call the bank for responses but they tell me that i need to call the credit bureau first, I didnt open any account in that bank on my name, i live in XXXX XXXX and the bank is in Delaware and i dont even know about that bank until now.

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 2024-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
To whom it may concern : I am writing to formally request the refund of my earnest deposit of {$500.00} that {$100.00} of it was withheld after I decided not to proceed with the mortgage loan process through Rocket Mortgage. 

The experience with the LO was highly unprofessional and him trying to coerce out of a better contract to line his pockets better is atrocious. I had to have family who work in the real estate industry to advise me, if I did not know this I would've been taken advantage of. 

Upon reviewing the terms of our agreement, I find no specific provision that authorizes Rocket Mortgage to retain part of my deposit. The agreement vaguely states that the deposit may or may not be refundable depending on the status of your loan. However, no appraisal or credit report had been completed, and no other substantive services were provided at the time I withdrew from the process. 

Given this lack of clarity and service, I am requesting a full refund of my deposit. Please provide a detailed explanation, in writing, for why the deposit was withheld and on what grounds Rocket Mortgage believes it is entitled to retain these funds. 

I chose a better mortgage option with that better aligns with my financial situation better sets me up for the future. 

Thank you for your attention to this matter. I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Ordered an item. The item never arrived. Package said delivered but mail company could not place the package arrival scan near my building. Contacted seller site. No refund offered. No purchase protection. Contacted citibank. Filed dispute, even included police report in original dispute. Dispute resolved favoring outside party. Raised second dispute, same conclusion. No answers, no purchase protection.

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 2024-09-07 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: NV

Complaint narrative:
I am submitting this complaint against XXXX for permitting the re-addition of deleted accounts, improper re-aging of accounts, and the inclusion of discharged bankruptcy accounts without proper verification. These accounts were previously removed from my credit report after disputes but have been re-added without proper investigation or documentation. Additionally, there is evidence that certain accounts have been re-aged to make them appear more recent than they actually are.

The practice of re-aging and re-reporting discharged bankruptcy accounts contradicts both Fair Credit Reporting Act ( FCRA ) standards and bankruptcy protection laws, and it has caused continued harm to my credit report. 

Specific Issues : XXXX. Failure to Verify Accounts Properly : XXXX allowed accounts to be re-added after being deleted, without requiring any further verification or investigation from the original creditors or debt buyers. There is no proof that these accounts have been properly validated in terms of transaction history to allow me to examine and verify, balances, dates, or my liability as I was on end of life care during the time period in question. 



XXXX. Re-Aging of Accounts : I have observed re-aging of multiple accounts, where the dates of last activity have been altered to reflect more recent dates, making these debts appear more current than they are. This tactic extends the reporting period for accounts that should no longer be listed or should be closer to expiring on my credit report under statute of limitations. 



XXXX. Reporting of Discharged Bankruptcy Accounts : XXXX has allowed the re-reporting of accounts that were included and discharged in my bankruptcy case. These accounts were wiped out in bankruptcy and should no longer be reported. XXXX has failed to verify that these accounts are no longer collectable and should not be appearing as adverse items. 



XXXX. Circumventing Legal Verification Requirements : The re-addition and re-aging of accounts appear to be a tactic used by debt collectors and creditors to bypass FCRA requirements, avoiding the proper steps of verification. XXXX has failed to hold these furnishers accountable, thus violating my consumer rights. 



XXXX. Negative Impact on My Credit and Health : The continued re-reporting and re-aging of these accounts, along with the wrongful inclusion of discharged debts, has significantly harmed my credit score and increased stress, negatively impacting my health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: PR

Complaint narrative:
Remove the following accounts from my Credit report because the payment history in the se accounts are continuos reporting a charge-off after these account was closed.Also these accounts are not showing the date of last activity and the date closed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: PR

Complaint narrative:
Remove the following accounts from my Credit report because the payment history in the se accounts are continuos reporting a charge-off after these account was closed.Also these accounts are not showing the date of last activity and the date closed. 

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 2024-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
XX/XX/year>, submitted school misconduct application. With proof of school misconduct, included e-mail from the U.S. Department of education discharging federal loans due to misconduct. 
XX/XX/year> acknowledgment of receipt of application and placed in a 30 day forbearance. 
XX/XX/year> charged {$16.00} while in forbearance with another {$21.00} due XX/XX/year> XX/XX/year> application denied stating " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' XX/XX/year> submitted the school misconduct application a second time with additional documentation to help my case. 
XX/XX/year> received a reply stating We've already responded to a request for the same or similar information. 
Therefore, we will not be researching this specific inquiry further. 
XX/XX/year> e-mailed navient asking for a more specific reason for the denial and if I need to request another school misconduct application to submit my additional supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I opened XXXX Deposit checking and XXXX Deposit savings accounts with Citizens Bank on XX/XX/year>, using promo code XXXX, which I received through a targeted mailer mailed directly to me. Citizens formally let me know that the accounts had been opened on XX/XX/year> ( see attached email ). The bonus advertised is up to {$700.00}, with {$350.00} for completing the requirements for the checking account and {$350.00} for completing the requirements for the savings account. I successfully completed both of the sets of requirements, but I only received the bonus for the checking account. Based on the schedule provided, the {$350.00} bonus for the savings account should have posted by XX/XX/year>. However, when I called them to ask why the savings account bonus had not posted, they claimed that I did not sign up for the savings account on the same day as the checking account and therefore am not eligible. However, I signed up for both accounts at the same time on the same day using their online system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-07 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: OH

Complaint narrative:
These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/XXXX XXXX {$570.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-09-07 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: OH

Complaint narrative:
These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX {$8000.00} XX/XX/XXXX XXXX {$570.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2024-09-07 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: CT

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : FRAUDULENT ADDRESSES : 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 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  These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: AR

Complaint narrative:
On XX/XX/year>, I opened a checking and savings account with XXXX XXXX. I made 2 transfers from another bank to fun both XXXX XXXX  accounts. I was able to make one 3 bill payments and one transfer. And now as of today ( XX/XX/year> ) I am not able to use my debit card, use bill pay or make any transfers at all. I attempted to call the bank 2 times today. The first time I was put on hold for 30 minutes and finally hung up. They second time I could barley understand the representative, but he said something about a fraud alert was placed on my account and couldn't give me any other information. I desperately need to be able to use my own money. I regret ever opening accounts with this bank and would like them to return all funds back to my original bank and close these accounts.

Company response to consumer: Closed with explanation