vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Have asked 5 different times for copy of the promissory note, terms of the loan amortization schedule. Need to know when this loan is expected to be paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: CT

Complaint narrative:
15 USC 1681 Section 602 States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purposes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CT

Complaint narrative:
15 USC 1681 Section 602 States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CT

Complaint narrative:
15 USC 1681 Section 602 States : I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment credit card account under an open end consumer credit plan as late for any purposes

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NV

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
The fraudulent and inaccurate information appearing on my consumer report has persisted despite my repeated efforts to address these unauthorized entries. As a confirmed victim of identity theft, I never authorized or consented to these items being associated with my name, and their continued presence has caused immense personal distress while significantly disrupting my financial wellbeing. The emotional toll of dealing with this identity theft has been overwhelming, affecting my daily life and peace of mind.

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 2025-01-07 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:
The fraudulent and inaccurate information appearing on my consumer report has persisted despite my repeated efforts to address these unauthorized entries. As a confirmed victim of identity theft, I never authorized or consented to these items being associated with my name, and their continued presence has caused immense personal distress while significantly disrupting my financial wellbeing. The emotional toll of dealing with this identity theft has been overwhelming, affecting my daily life and peace of mind.

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 2025-01-07 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding your failure to update and/or correct my personal information in my credit report, which violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically the rights related to the accuracy and timeliness of data ( 15 U.S.C. 1681 ).

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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
Dear CFPB, I am writing to formally request immediate assistance regarding my Robinhood account restrictions and the {$1200.00} currently held in my account since late XXXX. Below is a detailed summary of the issue : I deposited {$1100.00} from my XXXX account into my XXXX account with the intention of buying and trading Bitcoin. Shortly after the deposit, my XXXX account was restricted from buying, trading Bitcoin, or withdrawing funds. 

I contacted Robinhood support and was instructed to upload a selfie, bank statements, and additional documentation. I have provided all the requested information, yet the restrictions remain in place. I was advised to request a call for further assistance, but I have not received any updates or communication from Robinhood. 

This situation has caused significant financial distress, as the funds were intended for bills and XXXX expenses. I find it unacceptable that my funds remain inaccessible without resolution. 

XXXX Requested : XXXX. Immediate return of the {$1200.00}, either : Via Direct Deposit to my XXXX account : Routing Number : XXXX Account Number : XXXX Or Mail a check to my address : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, LA XXXX XXXX. Close my Robinhood account after the funds are returned. 

My Account Details : Name : XXXX XXXX XXXX Phone Number : XXXX Email : XXXX Last XXXX Digits of XXXX : * -- XXXX Robinhood Account Number : XXXX My current available balance in Robinhood is {$1200.00}, which verifies the legitimacy of my account. I respectfully request your immediate assistance in resolving this matter.

Legal Action Taken So Far : 1. Contacting Robinhood Support I first reached out to Robinhoods customer support after my account was restricted following a deposit of {$1100.00} from my XXXX account. I intended to trade XXXX, but soon after the deposit, my account was blocked from buying, trading, and withdrawing funds. 
I followed their instructions to upload personal documents like a selfie and bank statements, but even after providing everything they asked for, my account remains restricted. Despite requesting a call for further assistance, I never received any follow-up or resolution. 
XXXX. Filing Complaints with Regulatory Agencies Since the issue hasnt been resolved, I filed complaints with several regulatory bodies, including the Securities and Exchange Commission ( SEC ), FINRA, and the Consumer Financial Protection Bureau ( CFPB ).

In my complaints, I outlined the situation and requested their help in recovering my funds and investigating Robinhoods failure to resolve the issue. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Years ago, Venmo deactivated my account without warning or reason. I recently tried to appeal their actions, and was met with an e-mail today, XX/XX/year> stating that reactivation will not be possible, and further inquiries into the matter would be ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/year>, I could not logon to my Robinhood account. When I tried to retrieve my account email via the forgot email option, it showed the account email as XXXX. Note this email looks like an internal robinhood.com email. 
I was scared that my account was hacked and called the robinhood customer service phone number. However no one answered the call. A recorded voice message advised me to request a call back after logging into the Robinhood site. So there is no way to reach the customer care if the customer is not able to login to their site. Then I contacted Robinhood via their Chat and they suggested me to login to Robinhood and request for a call back even though I said I was not able to login to the Robinhood site.

My wife logged into her Robinhood account and requested a call back. During the call I submitted my passport and other details to verify my identity and get my logion email updated in my Robinhood account. Hobinhood said they will do a detailed analysis on how and why my email id was updated, and why there was no email or text notification when the email was changed. However instead of sharing any analysis Robinhood ended up hiding all my chat history with them. Not just the chat for the login email issue. All my previous chats with them.

I have sold all my stocks and moved my money out of Robinhood now. However I feel Robinhood violated my account and changed my login credentials without my knowledge and with no notification. I would like to file a complaint regarding this on Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-01-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
These accounts was charged off on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX since then the account has repeated been updated as a charge off every month. This is an update in the payment history, a charge off account should not include an actual payment history. This an accurate information falsely manipulates the statute of limitations. You fail to investigate this amount properly in your neglect has violated my rights. I am demanding a decision of the following accounts., a charge off account should not include an actual payment history. This an accurate information falsely manipulates the statue of limitations. You fail to investigate this amount properly in your neglect has violated my rights. I am demanding a decision of the following accounts to be removed immediately.

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 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I paid off an open collection with XXXX Account XXXX XXXX on XX/XX/year>. The company has not updated or reported to the credit bureau that I have paid this debt. Ive disputed it once and they said it was accurate and I currently have this open again as a dispute and it still has not been changed this going on nearly XXXX days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: PR

Complaint narrative:
In accordance with fair credit reporting act, the account : XXXX XXXX, number : XXXX, has violated my rights.

15 U.S.C 1681 Srction 602 A. states I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : Its 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 2025-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
on XX/XX/year> there was a collection account on my credit report by LVNV Funding for {$810.00}, I called the collection agency to have this item removed and they told me it was for a XXXX XXXX XXXX  credit card. I never opened up a XXXX XXXX XXXX account and I have no knowledge of who did, this is IDENTITY THEFT! I've contacted the collection agency numerous times to have this account deleted and removed from my credit report and they have failed to do so!

Company response to consumer: Closed with explanation