vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: KY

Complaint narrative:
After checking my reports for the updates requested, I noticed multiple accounts from XXXX XXXX STILL reporting as " charged off. '' According to the XXXX, canceled debt ( chargeoff ) is gross/ordinary income. XXXX DOES NOT get reported on a consumers report. 15 USC 1681e ( b ) also states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
Ally Bank did not resolve a dispute concerning a XXXX XXXX bed ordered from XXXX recently that was damaged but the merchant would not take it back. 

The order was in my wife 's name who is a joint account holder but my card was used in the transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I had gotten a carecredit card 7 years ago for vet bills and couldn't figure out why my balance was so high. 
I tried to reach them originally because I am struggling to pay down the card and then they offered me some relief payments that I took. I found out later that apparently this was some type of coverage that I didn't sign up for and I had been charged security/insurance fees for the last 7 years. 
I reached out to them to get a refund because I never okayed this and they got back to me and told me they wouldn't because I received a single benefit payment. Apparently that relief payment they offered me was a benefit and I had no idea. They didn't explain it to me or anything. I canceled any other relief payments and the insurance but am no better off then I was. They charged me thousands of dollars in insurance fees over 7 years that I had no idea about or consented to get and refuse to do anything to pay me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent a dispute to all three credit bureaus to have my credit report updated with the accurate information and the information was not updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: IL

Complaint narrative:
I sent a dispute to all three credit bureaus to have my credit report updated with the accurate information and the information was not updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: KY

Complaint narrative:
XXXX continuing this complaint from my previous complaint about XXXX XXXX. I discovered that actually NONE of my request have been granted. I also noticed accounts from XXXX, XXXX XXXX XXXX XXXX XXXX ( They're actually reporting 2 seperate accounts ) STILL REPORTING AS " CHARGED OFF. '' As I stated in my last dispute, According to the IRS canceled debt ( chargeoff ) is gross/ordinary income & Income DOES NOT get reported on a consumers report. 

15 USC 1681e ( b ) also states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: MI

Complaint narrative:
After reviewing my XXXX, XXXX and Equifax credit reports, I have identified some inaccurate late payments that needs reporting and correction through your company. Please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I recieved a call from XXXX XXXX XXXXXXXX. I did not know they dont call. They said did you make a XXXX  payment to XXXX XXXX of {$1200.00} and {$790.00} this mor? no, i didnt. so they said we are transferring you to XXXX XXXX  dept.They then said we have to verify your account and need you to put in this name of our supervisor and these numbers.So i did not realizing i was transferring funds to them. After XXXX hours of trying all kinds of numbers and verifications they said we cant do any more tonight, we will call back tomorrow and they did. Still not realizing this was a scam i went through simular procedures but my bank stopped XXXX of tries from them so they said we will call back tomorrow which would be Fri the XXXX. I became suspicious after seeing my bank acct. minus {$3500.00}. I called XXXX XXXX XXXXXXXX and they said they were going to submit a claim. After a week they gave the {$3500.00} back but took it out again same day. Then they put XXXX back in and so far it is still there. They said that XXXX and XXXX XXXX would not refund money so I lost {$3500.00} so far. The scammers did call back but i blocked them and didnt answer. I also filed a police report here in XXXXXXXX XXXX, contacted XXXX and XXXX. I would love to get my funds refunded and stop them from hurting anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: DE

Complaint narrative:
HELLO! 

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights

to privacy and confidentiality under 15 USC 1681. has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report
containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/24, I was sent wiring instructions to wire money to Citi Bank for my new house closing and down payment money. This was to a Citi Bank account. This was a fraudulent account that I was sent from someone intercepting the emails and sent this over to me. My bank XXXX Bank tried to file a fraud claim and came back saying that the Citi Bank account had insufficient funds and unable to get my wired money back of {$67000.00}. I need help in getting my money back and made right since there was nothing that stopped the wire money at Citi Bank from being taken out without proper security. XXXX Bank filed a XXXX XXXX  Complaint and Citi Bank is not taking any responsibility at all. I am out of the {$67000.00} and my new home, and now with no place to live. I need this made right by Citi Bank and place this money back in my account with XXXX Bank where the money was sent from. No one at Citi Bank will help me with this scam that involved their back and accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have been actively trying to withdraw my funds from this company for over XXXX months. They have requested bank ownership, identity, and statements from me. No request has been denied and all information matches exactly what they've asked for. They have first restricted my account and then frozen it with no contact and no instruction on how to receive my money ( over {$11000.00} ). No customer support has been received and instead stock email after stock email with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested information last XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX. allocation of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: MO

Complaint narrative:
15usc 1681 In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Account Number XXXX XXXX & XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX U.S.C 1681 Section 602 A. states I have a right to privacy. 



15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2024-04-16 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Midland Credit Management acct # XXXX has violated my consumer rights. I did not give Midland Credit Management my written permission or instructions to furnish this negative account on my consumer report. I have requested documentary proofs of my written consent given to Midland Credit Management and no other company. 15 US Code 1681 section 602 A states that I have the right to privacy. 15 US Code 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account without my written permission or instructions. PLEASE SEE ATTACHED****

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Since XX/XX/2024, I have been in contact with the XXXX XXXX XXXX at TransUnion, as my profile was locked and I was unable to perform any activity on it. During the call, I was informed that my profile was locked because there were XXXX social security numbers associated with my name, and that they had already escalated the case to remove the social security number that did not belong to me. On this occasion, case # XXXX was created, and I was informed that I should call back in 2 days to find out if the issue had been resolved. Consequently, on XX/XX/2024, I contacted them again and was informed that no changes had been made and that my profile was still frozen and locked, and I was advised to call back on XX/XX/2024. I followed these instructions to the letter and on XX/XX/2024, I spoke with a XXXX XXXX XXXX XXXXo request information and a temporary unfreezing of my account while the necessary modifications were made. This request was supposedly accepted, but this information is false because yesterday, XX/XX/2024, I made a credit card application which was put under review since they could not verify my credit history as evidenced by the hard inquiry that was placed. Consequently, yesterday, XX/XX/2024, I again contacted the support team and the advisor who answered my call informed me that no modifications had been made and that my account was still blocked, which is the reason why my credit application was denied. 
This situation is causing me significant financial and personal problems, as I own a company and rely on banking services. However, due to a system error, which I did not authorize or cause, I am greatly affected, and TransUnion is solely responsible for this issue. Therefore, I hereby declare that I will engage in legal proceedings for the economic damages caused. Nevertheless, I am once again submitting this request in hopes that the entity will resolve my issues by unlocking my profile, removing any information that is not mine, and unfreezing my credit profile so I can obtain financial benefits. My social security number ends in XXXX, and I request that this problem be resolved as soon as possible. Days are passing, and nothing is being resolved, which continues to affect me economically and financially. Not to mention the XXXX this situation is causing me, leading to XXXX XXXXd XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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