vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and the credit bureaus.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name, address, employers and even my birth date is being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information i am reporting to you my correct personal information. 
This is my correct personal information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The telephone numbers listed are old and no longer belong to me. I have no home phone, please delete these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name, address, employers and even my birth date is being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information i am reporting to you my correct personal information. 
This is my correct personal information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The telephone numbers listed are old and no longer belong to me. I have no home phone, please delete these.

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 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
In XXXX of 2024, I opened a Robinhood ( hereafter RH ) Brokerage Account and RH Crypto Wallet for the purpose of experimenting with CRYPTO investments. I am a U.S. Citizen, and provided the necessary documentation as requested. Since the opening of the account, I have funded it through my personal checking and savings account that I have with XXXX. I have also operated within the CRYPTO spending limits of RH Brokerage and RH CRYPTO. 
On XX/XX/XXXX, RH approved me to transfer/receive CRYPTO from my RH Brokerage account to my RH Wallet. On XX/XX/XXXX and XX/XX/XXXX, I conducted transfers from the RH Brokerage to my RH Crypto Wallet without issue. 
On XX/XX/XXXX, when I attempted to conduct another CRYPTO transfer from RH Brokerage to my RH CRYPTO wallet, I received a noticed that " Your account is restricted from withdrawing CRYPTO at this time. '' My transactions were NOT over the RH Daily transaction limits for CRYPTO. My CRYPTO transfers outside my wallet were not over the daily limits of RH either. 

After numerous attempts to getting the issue resolved, submitted copies of my bank statements, Drivers License and taking a picture for RH. The issue is not resolved. RH is not allowing me to receive or send CRYPTO to my RH wallet, and this is cause for concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I have tried several times over the years for them to make sure that they have my total correct by confirming it with my school. My school said they didnt see my borrowing that much but the bank records dont go back that far. I had mailed the check back to address on it and some I never cashed. I been paying on student loans since XXXX and in XXXX til now paired over {$23000.00} on a loan where I only borrowed {$15000.00}. How can I still owe {$10000.00}? Now they are front loading my payments and the amount is varying from {$95.00}, {$110.00}, to now over {$300.00}. And 90 % is going to interest. This is through XXXX XXXX. Its changed companies to MOHELA. Before both I was paying XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
SHELLPOINT HAS ASSIGNED MY HOME TO FORECLOSURE WITHOUT RESPONDING TO MY QWR OR DEBT VALIDATION. THEY ARE ALSO GUILTY OF DUAL TRACKING.. I CONTACTED THEM ABOUT A LOAN MODIFICATION AND THE EMAILED ME A WORKOUT PACKAGE LESS THAN 60 DAYS AGO. I COMPLETED THE PACKAGE AND RETURNED. I ALSO CONTACTED XXXX XXXX XXXX AND APPLIED FOR ASSISTANCE. NEWREZLLC .DBA SHELLPOINT MORTGAGE SERVICING, SIMULTANEOUSLY PROCEEDED WITH FORECLOSURE WHILE COMMUNICATING WITH ME IN EMAILS AND PHONE COMMUNICATION ABOUT A LOAN MODIFICATION. THIS CLEARLY DEFINES DUAL TRACKING AND FEDERAL LAW RESTRICTS DUAL TRACKING.. I SENT A NOTICE OF ERROR AFTER 90 DAYS FROM SENDING MY FIRST QWR THAT I SENT XXXX XXXX. I ALSO QUESTIONED THE ASSIGNMENTS AND TRANSFERS FILED IN XXXX XXXX COURTS, THE ASSIGNMENTS ARE ROBO SIGNED AND FRAUDULENT. THEY HAVE NOT RESPONDED TO ANY OF MY DOCUMENTS. I ALSO HAVE BEEN PAYING PMI INSURANCE FOR OVER 10 YEARS AND THEY WILL NOT REMOVE IT OR ADDRESS ANY OF LETTERS CONCERNING THE PMI,, THEY REFEREED MY LOAN TO THE LAW OFFICE OF RAS FORECLOSURE,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-04-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Wife recently XXXX XXXX  XX/XX/XXXX. Ive been on LOA since then. Today is XX/XX/XXXX and I still have not received my money from CA EDD which uses Money-Network as their service provider. EDD is supposed to pay me 60 % of my wage so that I can continue to live and pay for the mouths that I feed but in an entire month I havent received a single penny of my money. 

I tried contacting money network Wednesday the XXXX but was unable to get a hold of someone because I still did not have a card in the mail. When the card finally arrived Friday the XXXX, I tried activating it through their mobile app, then website, then by calling and I was unable to. The representative told me that their had been a fraud attempt and as a result they needed to close my card, issue me a check ( which takes an additional 10 business days ) and then reissue me a new card so subsequent funds could be deposited. I asked the representative if this could be escalated and if another solution could be provided as I can not wait 10 business days for my money. She said I can contact their escalations team but theyre only open regular business hours. 

On Monday XX/XX/XXXX I contacted their escalations team. They told me that I actually can not request a new card that the account itself needs to be closed and that I needed to contact EDD to request a new account. That there is no other option and that the first rep was correct in saying I have to wait 10 business days for my money. I can not believe that a government program uses this network to help people to at are in most need. People with XXXX, people that are unemployed, or people that are relying on paid family leave to help their spouse with a XXXX. 

To make matters worse when I call EDD even XXXX  in the XXXX  I very frequently get the auto message the maximum number of callers has been reached for today please try calling another day. They have no other way of contacting them other than by letter. How are we in the year 2024 and still doing things this way? 


If I contact my mortgage, my auto loan lien holder, my credit cards, they will all report on my credit that my payment is late. They dont care that Im late and will charge fees, but me as a consumer can not do anything but wait and wait for my money and these institutions have no other options to get us our money quicker. 

This is not okay and should be sued and held responsible for having such horrible solutions to getting people their 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
Consumer complaint received 2024-04-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My XXXX XXXX XXXX XXXX a division of Webster Bank, N.A., Member FDIC, is asking for me to repay {$500.00} I used to purchase glasses at XXXX. I purchased the prescription glasses on XX/XX/XXXX. This is within the time frame ( through XX/XX/XXXX ) allowed by my employer to complete yearly charges for my FSA. I was sent a receipt request on XX/XX/XXXX, almost two months AFTER my purchase AND three weeks after the allowed purchase date, asking for a receipt. I uploaded the receipt on XX/XX/XXXX. They are now asking for repayment. The receipt clearly shows the purchase was made within the allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
A loan was taken out from this company in the amount of {$1400.00}, however, this was before it was brought to my attention that Loan at Last is operating illegally as a " tribal lender '' who is not a licensed payday lender in my state, Indiana, which they were aware of when the funds were dispersed. 
This company is operating under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They are charging usury amount of interest according to my state 's laws, which prevail over other states as it is a requirement to be a licensed lender in the states one would be lending money. Due to the illegality of this company, my contract is null and void. 
I have revoked any and all ach authorization once this was brought to my attention and have offered a payment plan for principal only, although I am not legally required to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WV

Complaint narrative:
I have but one question to ask XXXX XXXX as I file a complaint against both the debt collector and XXXX XXXX. Why did they not adhere to their own contract agreement with me. ( XXXX XXXX 30 days no questions asked cancelation ) Because, in fact that is what I did, canceled before the 30 days had ended. Yet after repeated calls to XXXX XXXX they never canceled my account, as requested. Allowing multiple months to build up, and created the debt so that they could charge it off on their taxes. They ( XXXX XXXX ) are now continually assaulting me financially with debt XXXX. Whom shouldn't even be collecting the debt. Due the fact, it isn't even supposed to exist. Because once again, I canceled my account with XXXX XXXX  with-in and before the 30 day contract of no questions asked cancelation ended. 

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 2024-04-30 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: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief