vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: CA

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 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 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 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/year>, I transferred {$2500.00} into my Robinhood account to buy XXXX. I successfully purchased {$2500.00} worth of the cryptocurrency. However, that same day, when I tried to send the XXXX  to my XXXX wallet, Robinhood restricted my account. As a result, I am unable to transfer the funds out of my Robinhood account. I'm unable to buy any assets. I've verified my identity by sending Robinhood a full selfie scan of my face and sent over my bank statement to prove my identity. It's been one week now and I still haven't heard anything from them in regards to getting my account unrestricted. I've tried contacting customer support and I've been on the call wait list for the last week now. Robinhood keeps pushing the date back to when they're going to get in contact with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against Transunion for not responding to my dispute letter sent via USPS Certified Mail ( tracking # XXXX ) on XX/XX/year>. In this letter, I requested an investigation into inaccuracies on my credit report and corrections to incorrect personal information. According to USPS tracking, Transunion received the letter on XX/XX/year>. 
Despite the significance of these inaccuracies and their impact on my creditworthiness, I have not received any response or investigation results from Transunion. This lack of action is both concerning and frustrating, as it directly affects my ability to access credit and other financial services. 
The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies investigate disputes and provide results within 30 days of receiving a dispute. Transunions failure to do so violates federal law. I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof.

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 2024-12-27 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I placed an order on XXXX ( XXXX ) on XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  order number XXXX. I received the package on XX/XX/XXXX. I had an allergic reaction to the new formulation of the sunblock which prompted me to request a return for the items. 

To return the items I need an RMA # and the return address, however the return was denied by XXXX saying Items in some categories are not eligible for return. Per XXXX return policy you need to request a RMA ( Return Merchandise Authorization ) number within 14 days of receiving the item. I have 7 unopened, original condition/packaging sunblocks that I was attempting to return. However, my return request was denied through my account. I emailed customer support on XX/XX/XXXX to request a return authorization. Please note the package was received on XX/XX/XXXX, which is well within the 14 day window to request a return. XXXX responded XX/XX/XXXX denying my return for the 7 unopened, original packaged sunblock. 

I emailed customer support back on XX/XX/XXXX noting that the returns are for the 7 unopened original packaged sunblock. XXXX responded for the second time on XX/XX/XXXX, noting As special arrangement we will process the refund once the refund received on our end. However the representative did NOT provide a RMA # or return address to ship back the product. How am I, the customer, able to return a product without any information? 

I emailed XXXX back XX/XX/XXXX, expressing my disappointment in their customer service and have yet to receive a response from XXXX. Apple credit card ( Goldenman Sachs ) has now denied my credit card dispute twice saying " We further investigated the dispute and reviewed any additional information that may have been provided. Based on our review, the original decision will remain because there is no evidence to substantiate the claim '' I have provided screenshots of all the information and communications with XXXX within the document below. Additionally I have attached the denial for Apple Card received on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
first time in XXXX someone opened 3 accounts under my name at Marcus Goldman Sachs and was able to take close to $ XXXX from my XXXX account. XXXX refunded me. 
Marcus is still investigating. 

Second time and Biggest problem is that although Marcus has been investigating and knows about these fraudulent accounts under my name since XX/XX/year>, they allowed and additional account to be opened again under my Name in XX/XX/year> but different address. I never had any accounts opened with my permission at Marcus Goldman Sachs and I demand that none shall ever be open without proper ID verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
This is a second request for your company to comply with GA law.Specifically, I am requesting the certified mail tracking number or any other documentation that shows the certified notice was sent to me within the 10-day period following the repossession, as outlined by XXXX. XXXX. If you are unable to provide this proof, I believe that the repossession notice was not sent in compliance with Georgia law, and as such, I request that the account be deleted from my credit report. Also, in your response letter your reference having had an " amicable '' conversation. I have a screenshot of that call lasting only SECONDS! If the USPS certified tracking number that is required by GA law is not provided to me, or the account is not deleted, I will have no choice but to turn this matter over to a consumer attorney along with your CFPB response and proof that there was no " amicable '' conversation. I'll also ask my attorney to subpoena your phone logs as confirmation. Do not attempt to call, text, or email regarding this matter. Do not advise a third-party to do so either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Advance America, Cash Advance Centers, Inc.
State: IN

Complaint narrative:
There is no statute of limitations when it comes to fraud they are committing fraud if they take my social security number & dont extend any type of credit if its not in my benefit that is considered fraud XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Indiana XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX RE : Adverse action I, the consumer & natural persons, was denied credit by advanced America When I applied for a loan According to the equal credit opportunity act adverse action against a consumer is against the law which is codified in 15 usc 1691c & is pursuant to civil liability under 15 usc 1692k Due to the response I received by advanced america you are subject to criminal liability for violating 15 usc as I have proof I was discriminated against due to the response I received. 

Advanced america is in violation of 15 usc 1642, 15USC 1681M and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued Furthermore, because my social security number which according to 15 usc 1602 ( I ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Advanced america If advanced america fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make advanced america criminally and civilly liable for all actual damages pursuant to 15 usc 1681n and 15 usc 1681o I will also follow up with an invoice for said violations ( $ XXXX ) Thank you XXXX XXXX XXXX XXXX XXXX. All natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: AZ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2024-12-27 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: IN

Complaint narrative:
Formal Dispute Regarding Credit Inquiry and Lack of Communication To Whom It May Concern, On XX/XX/year>, I accessed the XXXX XXXX XXXX XXXX ( XXXX ) website via XXXX to initiate the pre-approval process for financing. The website explicitly stated that the pre-approval process would involve a soft credit inquiry, and if approved, I would receive financing options. 

However, I did not receive any form of communication regarding the outcome of my application. There were no phone calls, text messages, or emails to confirm whether I was approved, denied, or required further action. In an effort to follow up, I sent an additional email to the address provided ( XXXX ), but I still have not received any response. 

Recently, I discovered that a hard inquiry was made on my Experian credit report, which contradicts the websites representation of the process as a soft inquiry. Furthermore, according to federal regulations, I am entitled to a clear communication of the decision on my application, including the reasons for denial if applicable. XXXX has failed to fulfill this legal obligation. 

I have repeatedly contacted XXXX XXXX for assistance in resolving this matter, but I have been transferred between departments without any resolution or access to the necessary information. 

I am formally requesting an explanation for the unauthorized hard inquiry on my credit report, a clear decision on my pre-approval application, and documentation of the reasons for any denial, if applicable. 

Additionally, I ask that the hard inquiry be removed from my Experian credit report, as it was conducted under misleading circumstances. 

I appreciate your attention to this matter and look forward to a timely resolution. 

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 2024-12-27 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: NM

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a possible misunderstanding about their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I was not notified of their return and have not received any communication about this matter by mail.

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 2024-12-27 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: TX

Complaint narrative:
I am writing to dispute a medical collection account reported on my Experian credit report. The account details are as follows : XXXX XXXX. XXXX and XXXX have already deleted this account from their reports. I am requesting its immediate removal from Experian, as it violates the provisions of 26 U.S. Code 9816, which limits the reporting of certain medical collections on consumer credit reports. 

Additionally, this account is in violation of 15 U.S. Code 1681a ( 3 ), which restricts the sharing of medical information, and 15 U.S. Code 1681b ( 4 ), which limits the redisclosure of medical information. The inclusion of this account on my credit report breaches my rights under these statutes and further underscores the need for its immediate removal. 

This account does not meet the legal criteria for continued reporting, particularly if it stems from circumstances covered by these statutes. Furthermore, I have not received sufficient documentation or verification from the collection agency proving the validity of this debt. Without proper validation, the account must not remain on my credit report. 

I demand an immediate review and removal of this account.

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