vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I signed up for a subscription in need of a payday loan/hardship loan with MONEYLION.I was in need of money that's why I applied what I thought was a loan.i was approved for {$900.00} loan.i was give in what I thought was my MONEYLION account.come to find out this is not necessarily a loan, ..but more like a savings account.they expect me to make payments to payoff this " so called '' loan and build my credit... and now I'm lock in to this account which effects my credit report history.i would like help canceling this account, due to the fact it wasn't a loan, and they misled me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 explanation
Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-01 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: AL

Complaint narrative:
I am writing to express my concern regarding the inaccuracies on my credit report related to disputed accounts. Despite multiple requests for investigation, these errors remain unresolved, causing significant damage to my credit file and affecting my financial well-being. 

The ongoing presence of these inaccuracies has resulted in considerable hardship. I kindly request that you thoroughly investigate each disputed account and take the necessary steps to rectify my report as soon as possible. 

I urge you to treat this matter with the utmost priority to ensure the accuracy of my credit report. Your prompt action and cooperation in resolving this issue would be greatly appreciated. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I need assistance with addressing some concerns regarding identity theft. I have been dealing with this issue for the past few months and have been in communication with the bureaus. Despite sending my FTC and CFPB reports multiple times, they keep requesting new documents. I request the removal of fraudulent accounts and reports from my credit profiles. The fraudulent account is under XXXX XXXX - XXXX - opened on XX/XX/XXXX. This account was deleted XXXX XXXX and XXXX due to identity theft and this is only in TransUnion. Additionally, there are fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. Furthermore, there is an inaccuracy in the report for XXXX XXXX XXXX XXXX XXXX XXXX - opened on XXXX XXXX, XXXX. I was mistakenly reported as late on payments. They had set up automatic payments, which got canceled. Despite contacting them, they assured me that it would not reflect as a late payment. I have attached my FTC reports and IDs for your reference.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Debt collector XXXX XXXX XXXX XXXX XXXX Original debtor XXXX XXXX Per review, the debt was paid in full.

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 2024-10-01 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my credit score, affecting my ability to secure favorable credit terms. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 non-monetary relief
Consumer complaint received 2024-10-01 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: FL

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my credit score, affecting my ability to secure favorable credit terms. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
Blockchain.com is preventing me access to my money that they are holding in my account. Between XX/XX/year>, and XX/XX/year> I made XXXX unsuccessful attempts to obtain service, all attached as documentation. 

My experience is not unique with this company. Also attached page XXXX is a sampling of the over XXXX complaints lodged against Blockchain.com holding customers money XXXX is a frequent refrain. 

Please help me get access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: SC

Complaint narrative:
I AM A VICTIM OF HUMAN TRAFFICKING. I REQUESTED CREDIT BUREAU BLOCK THESE ACCOUNTS PURSUANT TO 605C OF THE FAIR CREDIT REPORTING ACT. THEY HAVE STILL CONTINUED TO NOT COMPLY WITH MY REQUEST.. I ATTEST THAT THIS INFORMATION BE REMOVED XXXX | XXXX : VICTIM OF XXXX XXXX  PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING XXXX XXXX XXXX XXXX | XXXX : VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT US DEPT ED : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX : Account number : XXXX, VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX : Account number : XXXX, VICTIM OF HUMAN TRAFFICKING. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX | XXXX : VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX : Account number : XXXX, VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX : Account number : XXXX, VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX : VICTIM OF XXXX XXXX PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX  | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX  XXXX | XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX : VICTIM OF XXXX XXXX. PLEASE BLOCK THIS INFORMATION PURSUANT TO SECTION 605C OF 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 explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am having problems logging into Equifax 's website to manage my credit freeze. Even though I was able to successfully login at one point. It has kicked me out and I haven't been able to get back in. And trying to reach a customer service representative is even worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: OH

Complaint narrative:
This is for the card I have through my XXXX account, managed by BNY Mellon. A hacker got into my XXXX XXXX and XXXX accounts and took {$2000.00} in XXXX separate {$500.00} transactions on XX/XX/XXXX. I called XXXX the second I saw that it was happening, and I was on hold for several minutes -- and the fraud was continuing. They were able to stop one of the transactions ( not the 4 listed above ). So, I filed a formal complaint about the other 4. I received a letter from XXXX, XXXX, extension XXXX. I have left no less than 10 voicemails to that number and called to speak to a supervisor, and they refuse to transfer my call because the fraud department " doesn't have a phone number. '' I received no documentation about the investigation -- no one talked to me to get my side of the story, and no one will talk to me about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : SYNCB/AMAZON ( BANK XXXX XXXX INQUIRY DATE ( XXXX XXXX, XXXX ) SYNCB/AMAZON ( BANK ) - INQUIRY DATE ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

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 explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I'm disappointed to find unrecognized credit inquiries on my record, despite assurance from TransUnion that they would be removed. I've not given permission for these inquiries, and their persistence is concerning. I trust in the XXXX 's commitment to consumer protection and hope for a swift resolution to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/year> I was in the process of settling my credit card debt with Navy Federal through National Debt Relief ( NDR ). I had been actively working with XXXX to resolve my debt, and as part of the settlement process, no further actions were supposed to be taken while negotiations and settlements were being finalized. 

Despite this, Navy Federal took {$820.00} from my account without my explicit authorization. These funds were specifically from my XXXX XXXX payments, which I rely on for living expenses and education, and were not meant to be used for debt collection purposes. Following this seizure, Navy Federal sold the remaining debt to a collections law group, despite knowing that I was in the middle of a debt settlement process. 

Key Issues : Seizure of GI Bill Funds : The {$820.00} taken from my account came from my GI Bill benefits, which I depend on for my education and living expenses. These funds should not have been seized without proper notice or authorization. 

Ongoing Debt Settlement Process : I was actively working with National Debt Relief ( NDR ) to settle this debt. Navy Federal acted prematurely by taking these funds and then selling the debt to a third-party collections law group before allowing the settlement process to be completed. 

No Notice of Funds Seizure : I was not provided adequate notice that Navy Federal intended to take these funds or sell the debt, which has caused significant financial hardship and confusion, particularly since these funds were part of my GI Bill benefits.

The unauthorized seizure of these funds has caused significant financial hardship, as I rely on my GI Bill payments for my education and essential living expenses. The sale of the debt to a third-party collections group complicates my situation and creates further stress during this challenging time.

I request the CFPB 's assistance in addressing this matter and ensuring that Navy Federal Credit Union is held accountable for these actions.

Due to navy federal deactivating my XXXX XXXX checking account, I can not provide any receipt of this transaction at this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation