vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-22 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: MI

Complaint narrative:
These account was previously disputed and are still in the middle of investigations because you can not make updates or corrections once a consumer mentions violations and erros they see on they credit especially if the account is closed and the credit file is locked the only thing a company can do is to submit to all applicable laws and follow the steps during investigation just asking to provide complete validation as to why this could be verifiable information on my credit file but companies have yet to conduct a full thoroughly truthful investigation and have yet to provide evidence to support all claims. 
the companies are reporting false / misleading account information that is not mine to furnish information to my credit report with consent forms, no write off receipts since a debt could be sold or no information as to how to you came up with the verification of accounts, went against my rights and ignored requests without any notification by mail with at least some internal supported documentation as to why you did but as you know reporting false inaccurate information on someone credit file is against the law FCRA section 611 & section 623 ( e ) so Im demanding you to delete all accounts listed from credit file now and do not give access to a third party source to view /make new updates with your bureau consent unless its sign by applicable laws showing i gave access to my credit file no tradelines are authorized no charge offs with no reciepts of sales are authorized ... ... .... I have shared and been sharing all enclosed documentation showing all inaccuracies and all valid proof you are in fault and not follow your govern laws. So why can't you do the same for me?. A computer generated response is not supported documentation ; it's false/misleading. 

Once again because i know you're not blind or maybe a real person is not conducting the investigation which is a violation of my rights i'm gon na say this again ; Provide evidence 2 ) conduct a personal investigation not a computer generated 3 ) contact your creditors ask to confirm a deletion of each account they can not properly validate and provide evidence to 4 ) within 3 to 4 business days after you have clearly saw the violations delete all furnishing data and send an up to date report to the address above. 

NOTE : iIF YOUR COMPANY STILL WANTS TO PLAY THE COMPUTER VERIFICATIONS GAMES, BE READY TO BE FINED XXXX PER VIOLATIONS, PAY COURT FINES FOR IMPROPER REPORTING MISLEADING INFORMATION, HAVE LAW AUTHORITIES AUDIT YOUR COMPANY BECAUSE YOU AGREED TO LIE AND DO FRAUD AND MORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
Mohela charged me interest on my account and interest was not supposed to be charged under my plan and administrative forebearance. I called them and requested them to return me back to my principle as the total amount on my account and they said they would look at it in the future but failed to evaluate it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I applied for a new Bank of America XXXX XXXX XXXX XXXX. It was approved on line for only {$1700.00}. I expected at least a {$10000.00} credit line and searched on line for a customer service phone number. After calling that number ( XXXX ) their response was that I had to, first, finish a request for a free gift worth {$200.00}. I repeatedly told them my issue and that I did NOT want a free gift. After some badgering and bullying, I finally relented, was passed off to another call and they wanted some other info, including a checking account number and the bank name and routing number. After some argumentation, I reluctantly and finally gave them that info. They gave me a code number to give back to the previous caller to complete the " verification ''. When passed back to him, he asked for the code. I changed my mind and hung up on him. It just didn't feel right. I looked up the number I called and finally traced it to : XXXX XXXX, XXXX TX, which SEEMED legit. It still seemed fishy. So in order to precisely protect our check acct., I called my bank 's Fraud Hotline. We came up with/ this solution : 1. Block the checking account from ANY DEBIT TRANSACTIONS. 2. open a new checking account in person ( it'll have a DIFFERENT acct. number ). 3. Transfer all money to the new acct., and 4. completely close the old account. Meanwhile advise any company involved w/ deposits or debits of the new account number. I thank God for urging me to call the bank fraud line. I DO know better than to EVER give out bank and/or checking account info. I was just badgered HARD to relent so I could get answers to my credit limit inquiry. MY OPINION : Scammers " faked '' a website, under Bank of America 's name, that gave me a bad phone number for customer service. They likely " stole '' the ( XXXX ) XXXX number from XXXX XXXX, XXXX TX and disguised it for their fraudulent purposes.

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 2024-12-23 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: FL

Complaint narrative:
I have had my rights violated consistently with XXXX XXXX. The Account # XXXX is listed as a charge-off with the designation Profit and Loss Write-off by Grantor. Based on my understanding of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), I believe this information is being inaccurately reported. 
If this account was indeed charged off as a profit and loss write-off, I should have received a Form 1099-C from your institution, as required by IRS regulations for reporting the cancellation of debt. However, I HAVE NOT received such a form. This suggests one of the following : The account is being inaccurately reported to the credit bureaus, which is a violation of FCRA Section 623, Or Your institution has failed to report the charge-off correctly to the IRS, which could potentially indicate fraudulent activity. 
Under the FCRA, you are obligated to ensure that all information you report is accurate, complete, and verifiable. If this account is listed as a charge-off in your internal financial records, the information on my credit report must align with the way it is filed with the IRS. Inconsistencies between these records are a clear violation of federal regulations. 
This inaccurate reporting has severely impacted my ability to obtain new credit and caused undue harm to my financial standing

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 2024-12-23 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 have had my rights violated consistently with XXXX XXXX. The Account # XXXX is listed as a charge-off with the designation Profit and Loss Write-off by Grantor. Based on my understanding of the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ), I believe this information is being inaccurately reported. 
If this account was indeed charged off as a profit and loss write-off, I should have received a Form 1099-C from your institution, as required by IRS regulations for reporting the cancellation of debt. However, I HAVE NOT received such a form. This suggests one of the following : The account is being inaccurately reported to the credit bureaus, which is a violation of FCRA Section 623, Or Your institution has failed to report the charge-off correctly to the IRS, which could potentially indicate fraudulent activity. 
Under the FCRA, you are obligated to ensure that all information you report is accurate, complete, and verifiable. If this account is listed as a charge-off in your internal financial records, the information on my credit report must align with the way it is filed with the IRS. Inconsistencies between these records are a clear violation of federal regulations. 
This inaccurate reporting has severely impacted my ability to obtain new credit and caused undue harm to my financial standing

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 2024-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NC

Complaint narrative:
on XX/XX/year> i asked Pro Collect for a debt validation letter and for the rights for them to collect on this debt as of XXXX. I havent received the letter. I have also have disputed this debt.

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 2024-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I do not recognize this account with 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 2024-12-22 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: CL Holdings LLC
State: IL

Complaint narrative:
Never had a contract with them before its an account from XXXX, XXXX doesnt even exist anymore. They couldnt provide the documents with a signed contract for me so I asked them to delete it and they wont.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: GA

Complaint narrative:
The company XXXX XXXX is reporting a hard inquiry on my credit report without my knowledge or consent. They inquired on XX/XX/XXXXXXXX  and set it to continue until XX/XX/XXXX. XXXX XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act

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 2024-12-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I bought stock with Robinhood online broker, then forgot about it. The stock earned a small amount of money since 2020 ( my last email from them ). I recently tried to log back in to close out the account, and my password wouldn't work. The password reset function sent no links to my email, or were nonsensical ( " Log in to change your password '' ). Repeated emails to Support were similarly nonsensical or didn't provide a working link ( " we do not have your email on file '' ). When I finally expressed annoyance, Support stopped responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: NC

Complaint narrative:
Hello, I am a service member and I requested a lower interest rate for my XXXX XXXX XXXX XXXX  and never received confirmation. Then my account was closed due to returned payment. I reached out to the company several times and no response.

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 2024-12-22 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: MI

Complaint narrative:
TransUnion, XXXX, and XXXX continue to report an account named XXXX XXXX on my credit report even with proof that it is a result of identity theft. The company is located in the state of Georgia and I am located in the state of Michigan. During my investigation of this account it was determined the dates that this company alleges this account was opened I am seen on toll booth cameras in the state of Michigan. I have previously disputed this account and provided proof it should not be included in my file but the credit bureaus keep saying the account is verified as accurate. This is my final attempt to get this account removed. I have sued XXXX XXXX, Transunion, and the company in question. Since there is pending litigation this account should not be reported, I will give each credit bureau 7 days to turn over whatever proof that may have to verify this account is lawfully mine. If no such evidence is received I will pursue legal action and use each dispute I have filed over this last year to prove I have asked each credit bureau to comply with the law. If I am forced to file a lawsuit I will add in legal expenses. You are data furnishers that receive information second hand but you will be the one held liable.

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 2024-12-22 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:
Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX  XXXX Account # : XXXX Reported Balance : {$480.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$340.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX  XXXX  XXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.

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 2024-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Card was used without my permission was sent out i never received the card my information with different address and my bank account email and phone number was used to open up account online without my knowledge.

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 2024-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Since XX/XX/year>, I have been disputing fraudulent and inaccurate items on my credit reports with XXXX, XXXX, and XXXX. Despite multiple identity theft reports and disputes, the credit bureaus continue to add incorrect items, remove them, and then add them back without my consent. This constant manipulation of my credit file violates the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1681s ( Duty of Fairness and Accuracy ), 15 U.S. Code 1681n ( Civil Liability for Noncompliance ), and 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ). 

Additionally, these actions appear to involve the unauthorized use and monetization of my personal data, potentially implicating the private securities market. I have requested a forensic securities audit to further investigate this matter. 

I am requesting that the CFPB investigate these violations and take appropriate action. I am also seeking compensation for damages from the credit bureaus totaling {$50000.00} each for their negligence and violations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: SC

Complaint narrative:
The company is in violation of my consumer rights as outlined under the FCRA. According to the FCRA, all information on a consumer credit report must be 100 % accurate and verifiable. 
The company has included fraudulent, inaccurate accounts on my consumer credit file making the min violation of the law. I am a victim of identity theft and have no knowledge of these accounts. I have reported this incident to the FTC and included a copy of the report with this complaint.

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 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I purchased a lcd XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX  phone for {$170.00} and after it was installed 3 weeks later the screen all of a sudden went black and it would not turn on or anything. So I contacted XXXX they said they only give a 30 day guarantee that I'd need to contact the seller. So I contacted the seller and they agreed to send me a replacement for the inconvenience of receiving the defective item but that it would take 3-4 weeks to receive from XXXX so I agreed to wait for you the replacement which I still have not received so I disputed the amount of the defective item with my card issuer Chime Bank and am now on my second rebuttal which I submitted again on XXXXXXXX  because they have denied my dispute twice now for the amount of the defective item {$170.00} and XXXX refuses to make it right as well. Chime dispute id XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
On XX/XX/XXXX I reached out to have this remove and they said that they are a debt collect attempting to collect I explain that the debt is not mines and to provide accurate information Supporting the info I asked for proof of contract with signature debt validation letter date contract was open with them payment info, etc.

Company response to consumer: Closed with explanation