vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: MS

Complaint narrative:
I looked at my credit report and I have 13 authorized inquiries that was not authorized by me inquiries that do not have permissible purpose violation of the USC 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 2024-11-14 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: SC

Complaint narrative:
XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed in
formation. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-11-13 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: NY

Complaint narrative:
I respectfully request the elimination of these incorrect 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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
On at least XXXX occasions I have recieved prank phone calls from this company. By prank call I mean calling and hanging up when I answered. When I called back they did not care that employees were doing the illeagal activity of prank calling. Turns out they are calling about a XXXX XXXX  payment I made on XXXX. They said it was returned my finial institute says and proven differently. So I asked for proof for avant. They typed and email with amounts with XXXX payments that were never even made or attempted to be made. And my XXXX XXXX XXXX payments they have been paid on. By typing dishonest numbers in an email and typing some code next is not proof I could type the same fraudulent info if I want too. Proof would show my account number and where a rep from bank return bank a legal paper trail l. Not some dishonest steps typing. Sorry that I had to go through this with avant XXXX. This way again. But they are showing they still have customer service avaible still 6 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2024-11-14 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I was using Robinhood for multiple months making small investments when suddenly my account got restricted. I contacted them multiple times and they said they needed to fix my identity so they had me submit a photo of myself, my ID, even my social security multiple times and they would say they would get back to me but never did. My account says it has been permanently closed and will not be reopened, but I still have stocks that they wont just let me withdrawal. I even submitted bank statements to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
XX/XX/year> .I was contacted 4 years ago explained i was no liable for bill. I was in custody of police and did not want to go to XXXX. I have XXXX XXXX never charged, now 5 years later I have received letters stating I owe {$1000.00}. 4 years ago XXXX  contacted me i explained and it was dropped. Now I am receiving letters from a " credit management company ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I reached out via cell and email in regards to my wire transfer, but havent received a response from my bank, the receivers bank, nor intermediary bank. 

I am writing to formally report a dispute regarding an international wire transfer that I believe was part of a fraudulent transaction. I need assistance with recalling or recovering the funds and initiating an investigation. Below are the details of the transaction : Sender Name : XXXX XXXX XXXX Bank : XXXX, XXXX Transfer Date : XX/XX/year> Transaction Reference Number : XXXX Recipient Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank : XXXX XXXX XXXX  XXXX ( XXXX ) Recipient Account Number : XXXX Amount Transferred : {$9000.00} USD I sent this wire transfer as a payment to purchase a vehicle from XXXX XXXX XXXX XXXX in XXXX, based on information they provided. However, after speaking with the owner directly, it has come to my attention that the company has not fulfilled its commitment, gave away the funds, sold the vehicle and is refusing to provide the vehicle or return the funds. I now believe this transaction may have been fraudulent. 

I kindly request that you : XXXX. Attempt to recall or place a hold on the transferred funds if possible. 
XXXX. Initiate an investigation into this transaction as a case of suspected fraud. 
XXXX. Provide any documentation or guidance that may assist me in further pursuing this issue with the recipient bank ( XXXX ) or any intermediary bank involved. 

A FTC complaint, XXXX  XXXX  complaint, and police report have all been filed but have no way to contact the bank itself as the department refuses to respond or answer.

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 2024-11-14 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, I don't understand how they usually say that these inquiries are mine, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NY

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report. The details below are unrelated to me, and I request their immediate removal. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY 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 2024-11-13 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:
I am disputing the inclusion of incorrect personal information on my credit report. The details below are unrelated to me, and I request their immediate removal. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX, NY 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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
I'm filing a complaint about DISCOVER BANK for their ongoing reporting of inaccurate information on my credit report. Despite several disputes regarding this account ( Account Number : XXXX ), nothing has been done to correct or remove the errors. These inaccuracies are seriously hurting my credit score and misleading potential lenders. I've repeatedly tried to resolve this by contacting both DISCOVER BANK and the credit bureaus, but the issue remains unresolved. This lack of action is causing continuous financial harm, making it difficult for me to secure loans and other credit opportunities. Its also taking an emotional toll, as Im dealing with the stress and consequences of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Good Evening. Hope all is well. This all started from me trying to wire money to a dealership. It was in the form of purchasing a vehicle. This causes major inconvenience from capital one end as they causes me to cancel on a driver and wasnt able to send my 2nd portion of the wire due to the 1st having a daily cap. After 3 attempts or whatever it was I was unable to send the last portion and my family helped me out. Capital one froze my account 3-4 times and I was unable to pay the dealership. Fast forward so many events occurred I cant recollect everything as Im doing everything now to just leave capital one as they causes emotional distress and issues. I owe money to my family and even tried paying for something and I cant use my money. I dont want to even be involved in anything as I provided so much information to them it renders useless. They asked me questions from XXXX as this all started because of some wire that came from an auto broker who they verified relationship with who sold a car of mine. Than they kept mentioning how a XXXX which is used for personal use and I showed transaction that its middle man the money and sending it to uber eats. I verified all key points and Im not sure if its there wording or what it is that doesnt make sense. I want them to immediately send me my money as this whole thing causes a major inconvenience and I need my money. This whole thing has caused major emotional distresses and there legit holding my money hostage. I couldve understand it takes a specific time frame but they unfroze my account 5-6 times and than they tell me it goes into deep investigation? Which I cant get an ETA to it? At this point I dont even want to conduct any business nor do anything with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: MI

Complaint narrative:
This companies Violated my rights to privacy and have not showed me proof of original agreement and has negative items on my credit report. I gave no permission to or signed any contracts for.

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 2024-11-13 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: MI

Complaint narrative:
This companies Violated my rights to privacy and have not showed me proof of original agreement and has negative items on my credit report. I gave no permission to or signed any contracts for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
It sounds like you're writing to the Consumer Financial Protection Bureau ( CFPB ) to report unauthorized transfers from your account. Here 's a draft of your letter based on the details you've provided : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The address the of the fraudlent chase bak account was opened on listed is XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ca XXXX please help i have serious disabilties and. Really cant be working i could use my stolen finds despretly rught now thank you XXXX Consumer Financial Protection Bureau 1700 G Street, NW XXXX  XXXX DC XXXX Dear Sir/Madam, I am writing to formally file a complaint regarding two unauthorized transfers from my bank account, each for almost {$2000.00}. These transfers were made to a XXXX XXXX  account without my knowledge or consent. At the time of the transfers, I was in a mental rehabilitation center from XX/XX/XXXX to XX/XX/XXXX, which significantly affected my ability to manage or monitor my financial accounts. 

When I recently attempted to access my credit account information, I was shocked and distressed to discover these transfers. I had no knowledge of, nor did I approve, the creation or access of a XXXX account in my name. I am deeply concerned that my personal information may have been compromised during this period.

I request that the Consumer Financial Protection Bureau investigate this matter and help ensure that the unauthorized transactions are fully addressed. Additionally, I ask for guidance on how to proceed with disputing these charges and securing my accounts moving forward.

Thank you for your prompt attention to this serious matter. I look forward to your response and assistance in resolving this issue.

Sincerely, [ Your Full Name ] XXXX XXXX  Make sure to adjust the details where necessary and include any relevant account numbers or reference information if required. I hope this helps, and I wish you the best in resolving the 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 explanation