vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: VA

Complaint narrative:
I sent a letter on XX/XX/2023 ( USPS Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX ). The company only removed one of the inaccuracies ( XXXX Account number : XXXX ) and has yet to provide verifiable proof of the investigated accounts which is required by FCRA law. The company is illegally reporting inaccurate information ( XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX ) on my credit report. Today makes 32 days since I requested the information in which they have yet to provide. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Under the FCRA, unverifiable accounts must be removed if you are unable to provide me with a copy of verifiable proof. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. None of the information was provided within the time frame. The reporting practices that they are observing is illegal.

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 2024-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
Company XXXX called informing me they will take legal action for a debt I'm not aware and it is from 2010, when I requested identification for the law suit lawyer the person on the phone XXXX XXXX stated threatening me with legal action, a judgement against my property, I requested to e send information via email and they sent a docusign document that I refuse to open and signed, I called back to request to please send information about this debt via fax and/or mail, they did not provide and told me aggressively I was being childish and they will not provide any further proof of debt and take me directly to court. 

I kept calling XXXX XXXX to get more information regarding the company and law firm and she said to stop calling and they will take me to court

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
On XX/XX/XXXX I made a {$250000.00} USD Wire Transfer through TD Bank in XXXX, MA to XXXX and was supposed to receive XXXXXXXX XXXX but there was a shortfall of {$9900.00} USD and I only received XXXXXXXX XXXX  from the receiving bank. 

I contacted TD Bank on XX/XX/XXXX and they opened an investigation to find out what had happened. 

On XX/XX/XXXX there was an email from the intermediary bank, XXXX, to TD Bank saying that it seems that XXXX had not gotten the funding for the {$250000.00} from TD Bank and that they would further advise TD on the matter. However, that was the last communication with TD Bank and on XX/XX/XXXX TD Bank closed the investigation without any resolution to the money shortfall. 

XXXX reference : XXXX XXXX UNDER REF XXXX XXXX TRANSACTION XXXX AMOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I made a purchase of {$5.00} on XX/XX/XXXX. I received a statement on XX/XX/XXXX but forgot to make a payment. Huntington National Bank doubled my balance to {$10.00}, but are claiming it is not a fee. The additional {$5.00} does not show up anywhere as a transaction - late fee, interest, etc. on my transaction history. I did not receive a statement for the months of XXXX or XXXX, even though there was a balance on the account. I made another {$5.00} purchase on this account on XX/XX/XXXX. When I logged into my account to make a payment, my balance showed as {$16.00} - the original purchase from XX/XX/XXXX, the phantom charge that was " not a late fee '' of {$5.00}, my purchase on XX/XX/XXXX, and {$1.00} interest charge. The representative I spoke with stated that since I missed the payment, my new minimum payment became {$10.00}, but that the additional {$5.00} was not a late fee, therefore it didn't show up as a transaction. She also stated that since no additional purchases were made, no statements were issued for XXXX or XXXX. The two issues I see are : 1 ) The bank charged a fee to my account in the amount of {$5.00} that is not reflected anywhere as a transaction.

2 ) No statements were issued for XXXX and XXXX, even though there was a balance on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Owner about XX/XX/XXXX. I made a billpay payment to XXXX  XXXX XXXX to pay my credit. Somewhere around XX/XX/XXXX XXXX called me and told me there was an issue issuing electronic checks that they were issuing a paper check. I believe they were having some kind of system issues that affected many of their clients, and not just me in particular They told me it would take XXXX to XXXX business days. I told them my payment was due on XX/XX/XXXX. I also explained that Im paying interest there so its important that the payment gets there as soon as possible. They gave me an XXXX number to call for any, I would like to make after the payment was made on XX/XX/XXXX. I contacted them again saying the payment still has not shown up the lady at the XXXX number told me she can not help me and I asked to speak to a supervisor. The supervisor told me theres nothing they could do that they could stop payment on the check and I would receive my money in XXXX to XXXX business days, I told him that check would come in the first or second week of XXXX not only will. I have been paying interest but I will also have a late payment and it will affect my credit. He said he could issue me a letter to clean up my credit if it messed it up, I told him his letter would not be very helpful since the credit is not Capital One, but it is my equity line of credit at XXXX XXXX  XXXX. He said that is all he could do to help me. I searched and found an XXXX number at Capital one for XXXX complaints. The person from their contacted me this morning Friday, XXXX XXXX she told me she would look into it and let me know something by XXXX. Meanwhile, Capital One has had my funds for over a month. They have never credited my account at XXXX XXXX XXXXXXXX where Im paying interest of 9 %. I am completely unsatisfied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I've been using Robinhood for a couple of months now and so far it's been great. The problem started last Wednesday on XX/XX/XXXX after I wired in some money ( {$5500.00} ) from my bank into my Robinhood account. I was going to buy some cryptocurrency ( XXXX ) and then send it to my external wallet address on another platform. I've done this before without issues in the past. Robinhood has a policy that only allows a user to send out cryptocurrency in a XXXX period and the maximum amount to send is {$5000.00} crypto. The prior day on XX/XX/XXXX I had sent out crypto a few times to the same external wallet without issues. I contacted Robinhood live support to ask a simple question of whether I needed to wait for the last time that I sent out on the XXXX ( around XXXX Pacific time ) before I can initiate a new transfer. Immediately, the support person started asking me all kinds of questions such as which platform are you sending this to and flagged my account for security and restricted my account. They did not give me any explanation as to why they saw this as suspicious. 

Since then, I've reached out to Robinhood support almost every day asking for an update. On Monday, XX/XX/XXXX, I spoke with their Customer Support and they asked me a series of security questions and also had me submit a copy of my driver 's license and send in a selfie, which I did immediately. I have not received any further updates from their security team and every time I speak with their support, I am just told to keep waiting until their security team lifts my restrictions. 

This is now beyond XXXX business working days and my money that is sitting in my Robinhood brokerage account is stuck. I am not allowed to withdraw back to my bank. I can not do any trading or sending of my money. It's completely locked out while Robinhood is holding my money hostage. Other exchange platforms try to resolve this within XXXX business days. At this point, I find their security protocol and communication to their clients completely inefficient and lackluster. There is no way for a customer to speak with someone in their security team, nor do they provide any further details or updates on my account situation. How much longer do I have to keep waiting before I can get access to my funds? I am seriously considering taking my business elsewhere once this is resolved. 

Please work with Robinhood and urge that they come to a resolution as soon as possible. If they do not want to lift the restrictions from my account, then at least allow me to withdraw all of my money back to my bank. That's the least they can do instead of letting my money just continue to sit there and preventing me from getting access. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: CORELOGIC INC
State: NJ

Complaint narrative:
Opt out XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Opt Out of Credit Reporting Agencies Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally opt-out of my personal information from certain credit reporting agencies, as permitted under the Fair Credit Reporting Act ( FCRA ). Please process my request to opt-out of the following agencies : * CoreLogic * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per the FCRA as a federally protected consumer, I am now opting out of any and all authorizations I the consumer may have given you written, unwritten verbal and nonverbal per 15 USC I am exercising my rights under the FCRA, Section 604, which allows consumers to opt-out of the inclusion of their information in lists provided by credit reporting agencies for offers of credit or insurance that are not initiated by the consumer. I understand that by opting out, I may reduce the number of unsolicited credit and insurance offers I receive.

Please ensure that my request is promptly and accurately processed, and that my information is excluded from any lists provided by the mentioned credit reporting agencies for the purposes outlined above. 

For your reference, my personal information is as follows : Full Name : [ XXXX XXXX ] Date of Birth : [ XX/XX/XXXX ] Social Security Number : [ XXXX ] I appreciate your prompt attention to this matter. If there are any additional steps required on my part or if you need further information, please do not hesitate to contact me at [ XXXX ] or [ XXXX ]. 
Thank you for your assistance in this matter. 


Sincerely, 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 2024-01-26 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: MA

Complaint narrative:
I hope this letter finds you well. On XX/XX/XXXX, I contacted TransUnion regarding inaccuracies in my credit report. Unfortunately, to this date, I have not received any response from TransUnion. I am writing to bring this matter to your attention and seek assistance in resolving the issue in accordance with the Fair Credit Reporting Act ( FCRA ). 
The following are the details of the inaccurate information and the required corrections : XXXX XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} The following account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} The following account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} The following account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$30.00} The following account was never late. Please correct/update this inaccurate information on 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 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Salutations, My name is XXXX XXXX, I am writing to alert the credit bureaus of improper use of my reports. Ive certified mail my FCRA letter, ( attached below ) last month and yet to receive any correspondence. 

Firstly, I would like only my name to display on the report which is XXXX XXXX XXXX Every other spelling please remove. 

Also would like only my main residence to display : XXXX XXXX XXXX XXXX XXXX GA, XXXX Every alternate or additional address please remove. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction late payments are merely experiences, they should not remain on report once paying as agreed and resumed positively.

Kindly remove ALL late payments from each report.

I will also like any and all inquires removed as well, as I have not given any permission to inquire on my behalf, along with selling my information to third parties, and other consumer reporting agencies. Would like the report to reflect positively where all closed accounts especially the repossession, they are not needed, the debts been discharged and offset by XXXX XXXX XXXX. This is heavily weighing my scoring factor down. 

Again, Ive attached a FCRA letter for your review.

Thx and I hope we may resolve this matter in a speedy manner. 

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 2024-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Salutations, My name is XXXX XXXX, I am writing to alert the credit bureaus of improper use of my reports. Ive certified mail my FCRA letter, ( attached below ) last month and yet to receive any correspondence. 

Firstly, I would like only my name to display on the report which is XXXX XXXX XXXX Every other spelling please remove. 

Also would like only my main residence to display : XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX alternate or additional address please remove. 

According to 15 U.S. Code 1681a - Definitions ; rules of construction late payments are merely experiences, they should not remain on report once paying as agreed and resumed positively.

Kindly remove ALL late payments from each report.

I will also like any and all inquires removed as well, as I have not given any permission to inquire on my behalf, along with selling my information to third parties, and other consumer reporting agencies. Would like the report to reflect positively where all closed accounts especially the repossession, they are not needed, the debts been discharged and offset by XXXX XXXX XXXX. This is heavily weighing my scoring factor down. 

Again, Ive attached a FCRA letter for your review. 

Thx and I hope we may resolve this matter in a speedy manner. 

XXXX : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: TX

Complaint narrative:
The CFPB closed my last complaint even though my issue with Equifax was never resolved. Complaint # XXXX should not have been closed. My Equifax account has multiple credit inquiries that were NOT authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: BSI Financial Holdings, Inc.
State: CT

Complaint narrative:
My monthly mortgage payment is {$1900.00} Plus dollars. A portion of which is the PMI payment. I do NOT want a refinance. I want the PMI removed because my house was purchased more than 2 years ago and the property has appreciated more than the required amount for the PMI to be removed.

I have submitted an application for this to be done. I have also obtained and paid for an appraisal and still the bank will not remove the PMI from my mortgage. I have been at this for more than 3 months now, and yet it is still not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
In XXXX I requested my dollar rewards be sent to me. They said they only direst deposit the check. I said OK.. I then went to the store and tried to use the commenty credit card and they put a block on it. When I called them they said that I did not send the code to me and I told them that I did not receive one. They requested via e mail a both sides of my SS number card and drivers license and a copy of a house bill. I did send them this information and they acknowledged receipt of same. A few weeks later I received in the mail a notification from them that they had unblocked my card and raised my limit to XXXX XXXX dollars from XXXX XXXX. I have been in touch with them several times via telephone and they keep saying it is still in the working progress. The told me at the start that it would take 30 days to review the information and they would get back to me. So far as of this date, no information as to the above situation. I believe that they do not want to send me the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX : Account XXXX. is XXXX ( {$7500.00} ), XXXXXXXX XXXX XXXX Account No. is XXXX ( {$7600.00} ), XXXX XXXX XXXX XXXX XXXX Account No. is XXXX ( {$20000.00} ) & XXXXXXXX XXXX  XXXX Account 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 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.

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 2024-01-26 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: GA

Complaint narrative:
some of these accounts have been removed from other credit files but they are still here reported on here requesting immediate removal as these are due to identity theft

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