vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Ive had a nightmare scenario since XX/XX/XXXX in trying to become a RobinHood customer. Ive spend many, many hours chasing my tail. Ive had partial acct transfer-ins rejected due to mistakes on both XXXX and RobinHood end ( had to retype all 20 positions manually 3 times ) and I just had my acct restricted for reasons they cant or wont explain. This restriction has been for 6 days now and I cant trade or access my own funds! And the transfers-in Ive been attempting got rejected AGAIN because of the restriction.

Nobody at customer service appears to be empowered to actually explain whats going on or fix problems. I have chatted, called, and emailed with them without responsiveness or any real help. 
Im at my wits end and beyond frustrated. I want to pull all my money out but Im even blocked from doing that! AS OF TODAY ( XX/XX/XXXX XXXX XXXX  ) I CAN NOT ACCESS MY OWN FUNDS BECAUSE OF THE UNEXPLAINED RESTRICTION PLACED ON MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Calls from Portfolio Recovery Associates from several spoofed numbers. Seemingly becoming XXXX, as I owe no debts nor do I have collections. These calls are becoming disruptive to my work and home life. 
The following are the dates and times in reference to the complaint ; most recent first. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26 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: FL

Complaint narrative:
I HAVE FILED A FTC IDENITY THEFT REPORT FOR THIS THE FOLLOWING INQUIRIES WHERE NOT AUTHORIZED BY ME. 
XXXX 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 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE FILED A FTC IDENITY THEFT REPORT FOR THIS THE FOLLOWING INQUIRIES WHERE NOT AUTHORIZED BY ME. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent in several letters from the bankruptcy courts & also letters from the company ( XXXX ) both companies has sent me letters stating that they do not verify bankruptcy & that it is no record of bankruptcy showing on my consumer report from XXXX. I have asked the company ( XXXX ) to removed the bankruptcy off my credit report & they have not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Edge Home Finance, LLC
State: NM

Complaint narrative:
Broker has been extremely uncommunicative throughout the entire process. On numerous occasions the broker has gone silent on all communication avenues for multiple days in a row. This includes but is not limited to text calls and emails. 

Currently broker has not responded to any borrowers, realtors or title company in over a week. Last communication to borrowers was on XXXX XX/XX/XXXX starting the file went to underwriting for closing. Since then we have had one more extension with no closing date in sight. 

Broker insisted that a third person on our loan was the only way to ensure we closed on the property. We added a third borrower on XX/XX/XXXX and the broker claimed to have never received the signed disclosures on XX/XX/2024. We had to resign them and send again. 

Broker has failed to communicate with all parties involved about the closing process and has not followed through with any of their promises regarding the closing of this property. This has caused loss of time, funds and emotional distress. 

Insurance company has also attempted to reach out to broker on numerous occasions for loan information and has not received a single communication back from broker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent in several letters from the bankruptcy courts & also letters from the company ( XXXX ) both companies has sent me letters stating that they do not verify bankruptcy & that it is no record of bankruptcy showing on my consumer report from XXXX. I have asked the company ( Experian ) to removed the bankruptcy off my credit report & they have not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm has inaccurately reported two payments as late to XXXX. I have provided two screenshots depicting both payments were made on XX/XX/year> - not XX/XX/year> as they are inaccurately reporting. They ignore my numerous requests and I have been unable to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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:
XXXX has inaccurately reported two payments as late to Experian. I have provided two screenshots depicting both payments were made on XX/XX/year> - not XX/XX/year> as they are inaccurately reporting. They ignore my numerous requests and I have been unable to resolve 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 2024-06-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-06-26 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: MD

Complaint narrative:
I AM HAVING A TON OF ISSUES WITH A COMPANY CALLED : XXXX XXXX XXXX  XXXX. 
I HAVE AN INQUIRY ON MY CREDIT REPORT FROM THIS COMPANY. IT NEEDS TO BE DELETED/REMOVED FROM MY CREDIT PROFILE. NOBODY WANTS TO HELP ME. I HAVE TALKED TO TWO MANAGERS, NOT ONE OF THEM WAS HELPFUL. THE ONE NAME XXXX XXXX TOLD A BLATANT LIE. HER PHONE NUMBER XXXX SHE TOLD ME THAT THE ACCOUNT WAS AUTHORIZED WHEN I'VE BEEN TELLING THIS WOMAN FOR 2 CONSECUTIVE DAYS THAT I DID NOT DO THAT. ANOTHER ONE NAMED XXXX XXXX ( NOT SURE ABOUT SPELLING ) SHE IS THE WORST. HER PHONE NUMBER IS : XXXX XXXX AND SHE SHOULD NOT BE A MANAGER. 
BOTTOM LINE -- -- -- -- -- -- -- -- -I NEED HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax failed to delete this negative item on my report or provide proof of verification that support this negative item on my report, according to FCRA a fair investigation need to be completed and demand this negative item remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I applied for a care credit card in XXXX. 

The application asked a question if I wanted to opt-in for a debt protection plan. 

I did not opt in for this service. 

They were charging my account for the last 6 months for a total of {$350.00} When I call to get this disputed, they tell me that I can not. Instead they gave me a different phone number to call to cancel. 

Im still in the process of trying to get this money back.

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 2024-06-26 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:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: FL

Complaint narrative:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-26 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-06-26 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: MD

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccuracies in my credit report. Despite my initial complaint, the following accounts associated with student loans remain inaccurately reported under my name : Account : XXXX XXXX XXXX XXXXXXXX ( Updated ) Account : XXXX XXXX XXXX XXXXXXXX ( Verified/Updated ) Account : XXXX XXXX XXXX XXXXXXXX ( Updated ) As per the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including 15 U.S. Code 1692g ( B ), I am entitled to full verification of these debts. It is imperative that Experian substantiates that these accounts indeed belong to me through a complete and thorough method of verification. 

Under FCRA 611 ( a ) ( 1 ) ( B ), you are required to investigate and verify the accuracy of disputed information within a reasonable time frame. This includes providing me with : A detailed explanation of the method used to verify the debts, including all steps taken to confirm the accuracy of the information provided by the creditors. 

Copies of all original documentation from the creditors ( XXXX XXXX XXXX XXXXXXXX ) that were used to verify these debts. This should include any signed contracts, account statements, and communication records related to these accounts. 

Confirmation that Experian has complied with all FCRA requirements in handling my dispute, including maintaining reasonable procedures to ensure the accuracy of information reported. 

Please note that Experian is hereby instructed not to update or modify these accounts pending the outcome of this investigation. Any updates or modifications would be premature and may violate FCRA regulations. 

If Experian can not provide the requested verification and documentation within 30 days from the date of receipt of this letter, in accordance with FCRA requirements, I demand that these accounts be deleted from my credit report immediately. Failure to comply will result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as a demand for {$1000.00} per violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: CA

Complaint narrative:
this account does not belong to me. this is a business account. this account belongs to a business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: VI

Complaint narrative:
I have a bank account with citi bank and everything was fine, I received a deposit of {$460000.00} back in XX/XX/2021 afterwards I tried to make a transfer from my account and I couldn't, I tried to reach out to citi bank countless times but they kept referring me around in a loop. I even went to a branch and was told to call ( which made no sense to ). I have been in constant struggle back and forth. 

XXXX weeks ago I called and the customer service said the account was locked. All the while citi hasn't done anything to help, more like they don't want to give me back my money.

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