vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-17 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: CO

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

XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that 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 2024-10-17 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: TN

Complaint narrative:
XXXX XXXX claims I owe them money. They refuse to remove their account from my credit reports. However, I requested debt validation. They sent me a letter via mail on XX/XX/year> stating they are " unable to fulfill your request. '' How do I owe and am responsible for a debt they have no record of?

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 2024-10-17 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: TN

Complaint narrative:
XXXX XXXX claims I owe them money. They refuse to remove their account from my credit reports. However, I requested debt validation. They sent me a letter via mail on XX/XX/year> stating they are " unable to fulfill your request. '' How do I owe and am responsible for a debt they have no record of?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: TN

Complaint narrative:
XXXX XXXX claims I owe them money. They refuse to remove their account from my credit reports. However, I requested debt validation. They sent me a letter via mail on XX/XX/year> stating they are " unable to fulfill your request. '' How do I owe and am responsible for a debt they have no record of?

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and Equifax are reporting the account listed as XXXX account number XXXX incorrectly. There are several inconsistencies within the account that means they have not done a reasonable investigation into this account. 

Account Status : Derogatory Derogatory Closed Date Opened : XXXX XXXX XXXX Balance : {$450.00} {$0.00} {$0.00} High Credit : {$740.00} {$740.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$450.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Unknown Last Reported : XXXX XXXX XXXX Date Last Active : XXXX XXXX XXXX Date of Last Payment XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, and XXXX are reporting the account listed as XXXX account number XXXX incorrectly. There are several inconsistencies within the account that means they have not done a reasonable investigation into this account. 

Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Balance : {$450.00} {$0.00} {$0.00} High Credit : {$740.00} {$740.00} {$0.00} Credit Limit : {$400.00} {$400.00} {$0.00} Past Due : {$450.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Unknown Last Reported : XXXX XXXX XXXXXX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX 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 2024-10-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX, I went to the XXXX, CA Bank of America ( BofA ) ATM to deposit a {$100.00} bill into my checking account. Unfortunately, the ATM would not accept the {$100.00} bill, therefore, I had made the deposit utilizing a bank teller. As I was waiting in line, I suddenly noticed an {$800.00} ATM withdrawal on my BofA phone app. Immediately, I notified the bank teller of this unauthorized ATM withdrawal as I was depositing the {$100.00}. The bank teller then instructed me to call BofA and make a claim of the unauthorized ATM withdrawal. Moreover, I requested to see the video of the ATM machine in order to find out if there were anyone who illegally used my ATM card information ; I was denied the opportunity to review any videotaping. After making my claim, BofA disappointedly denied my claim via mail ; BofA included pictures of only me at the ATM as I was trying to initially deposited the mentioned {$100.00}. I called BofA Security and pleaded with representative to let me review the ATM video, but to no avail. The BofA representative issued me canned answers to my now closed claim and highly recommended that I provide evidence to open my unauthorized {$800.00} ATM withdrawal again. I believe BofA should have activities/evidence showing my unsuccessful attempt at depositing {$100.00} at the ATM, then proceeding to the bank teller to successfully deposit {$100.00} as an unauthorized ATM withdrawal of {$800.00} occurred using my information.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX, and Equifax continue to report incorrect information on my credit report for the account listed as XXXX  XXXX Account # : XXXX. There are several inconsistencies within the account which means this account has not been properly verified. 

Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX balance : {$1600.00} {$0.00} {$0.00} High Credit : {$1600.00} {$1600.00} {$0.00} Credit Limit : {$1400.00} {$1400.00} {$0.00} Past Due : {$1600.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Late 120 Days Unknown Last ReportedXXXXXXXX XXXX XXXXXX/XX/XXXX Date Last Active : XXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian, and XXXX continue to report incorrect information on my credit report for the account listed as XXXX  XXXX Account # : XXXX. There are several inconsistencies within the account which means this account has not been properly verified. 

Account Status : Derogatory Derogatory Closed Date Opened : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX balance : {$1600.00} {$0.00} {$0.00} High Credit : {$1600.00} {$1600.00} {$0.00} Credit Limit : {$1400.00} {$1400.00} {$0.00} Past Due : {$1600.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Late 120 Days Unknown Last Reported:XXXX XXXX XXXXXX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Date of Last Payment : 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 2024-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Citi Bank regarding the misrepresentation of their promotional offers and failure to deliver promised interest rates for our company accounts. 

Bonus Offer Denied Unfairly : On XX/XX/year>, we opened a new company bank account with Citi Bank, under the impression that depositing {$200000.00} would qualify us for a {$2000.00} bonus, as advertised by the bank. On XX/XX/year>, upon opening the account, we immediately deposited {$220000.00}. However, Citi later informed us that the funds were not considered new money and that we would not receive the bonus. This condition was never clearly communicated to us when we opened the account. 

Money Market Account Interest Discrepancy : We also opened a company money market account with Citi Bank. At the time of opening, Citi representatives assured us that the interest rate on the account was 5 %, and that interest would accrue immediately. However, when we reviewed our statement on XX/XX/year>, we found that we had only earned {$170.00} in interest, which amounts to a rate of less than 1 % for the period from XX/XX/XXXX to XX/XX/year>. 

Unresolved Complaint and Unprofessional Service : On XX/XX/year>, our account manager filed a formal complaint with Citi on our behalf regarding the inaccurate interest rate. The manager assured us that Citi would correct the mistake. However, on XX/XX/year>, we received a letter from Citi stating that our complaint had been closed on XX/XX/year>, due to insufficient information. We were never contacted by Citi to provide any further information before they prematurely closed the complaint, and they did not make any genuine effort to resolve our issue. 

Throughout this process, we did not receive any proper disclosure or documentation, every Citi representative we interacted with failed to provide professional service and attempted to shift responsibility, causing us significant financial loss. We believe Citis actions are misleading and deceptive, and we request compensation for the losses we have incurred due to their mishandling of our accounts. 

We would greatly appreciate your assistance in resolving this matter. 

Thank you for your attention to this issue. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene finance has modified my original agreement without my knowledge or consent. 

Therefore, I state that my original agreement could have been returned to its original state before covid pandemic. 

With that, I did not have to be coerced into signing a forbearance agreement. 

Proper guidance was not provided via subject matter experts of the financial industry. 

I have forwarded this dilemma to my chain of command and base XXXX legal XXXX. 

I have complied to all available instructions given, along with my own due diligent research. 

Before my forbearance I requested alternative methods during the covid pandemic. I was given two options : forbearance or deferment. 

Once Selene finance received my mortgage, I requested for my mortgage to be restructured in a way that I would not face financial hardship. 

Without my consent, my mortgage was changed, leaving me to believe that both institutions wanted me to suffer during and post covid. 

Selene financial is now blocking my emails and ignoring all means to communicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RECOVERY HAS BEEN SENDING COLLECTION NOTICES IN THE AMOUNT OF {$1300.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
Updated Complaint Regarding Robinhood Financial LLC - Complaint # XXXX Complaint Summary : Since my initial complaint on XX/XX/2024, regarding the unauthorized transactions and mishandling of my account by Robinhood, I have faced further alarming developments. Despite clear evidence of fraud, a police report of severe intimidation, and financial records solely in my name, Robinhood continues to mishandle my case. 

After reporting the unauthorized transfers totaling {$10000.00} on XX/XX/, Robinhood locked my account, including {$8000.00} in unaffected funds that should not have been restricted. I repeatedly requested that the joint account ( which was funded exclusively by me ) be closed, and the remaining funds returned to my personal account. 

New Incident : On XX/XX/2024, Robinhood lifted the account restrictions without addressing my concerns, allowing an additional {$3800.00} to be stolen from the joint account, despite my explicit request on XX/XX/2024, to close the account and secure my funds. This brings the total amount stolen to over {$9100.00}. 

Robinhood 's Findings : Shockingly, Robinhood has concluded that no fraud took place. This is in direct contradiction to the evidence, which includes : Account access from an unfamiliar device that transferred funds out of my account. 
A police report documenting the threats and intimidation I experienced. 
Clear financial records showing I am the sole contributor to the joint account. 
I believe this conclusion is a form of retaliation for escalating my case to regulatory bodies, as Robinhoods actions have been negligent at best and malicious at worst. 

Negligence and Breach of Fiduciary Duty : Robinhood has failed to safeguard my account, even after I initiated the fraud investigation. 
They allowed additional funds to be stolen by not acting on my multiple requests to close the joint account. 
Their mishandling of my case has led to significant financial and emotional distress. 
Requested Action : I urge the CFPB to take immediate action to hold Robinhood accountable for their gross negligence and breach of fiduciary duty. I demand an immediate reimbursement of the {$9100.00} stolen from my accounts and a full investigation into Robinhoods conduct throughout this matter. 

Sincerely, XXXX XXXX Contact : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-17 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax will not let me into my account or even access my own information. I would simply like to unfreeze my account after several years. This is not the first time I've had issues with them and I'm just too tired to fight with their team about it. I have an account I have verification, but it won't even let me get that far. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: CA

Complaint narrative:
I do not recognize these inquiries as authorized by me. I have previously requested their removal, but the bureau did not respond. This information is not mine, not accurate, and I am requesting that it be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I reviewed my credit report and noticed some billing mistakes. The late payments shown don't reflect my regular payment history. Please fix these and update my 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 non-monetary relief
Consumer complaint received 2024-10-17 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation