vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
Since XX/XX/23 I have been attempting to withdraw funds from my Robin Hood virtual account. I have spoken with several associates who appear to be internationally based. There is a severe language barrier it seems. I have uploaded my identification and bank statements to prove my identity. However, I am constantly told that my account is under review and that someone will notify me within the next few business days. I have verified the funds transferred into my account on two separate occasions even today but they are still managing to continue the restriction on my account. When I transferred {XXXX} last year into the account there was no issue. Now that I am attempting to withdraw funds they have been unwilling to assist me with that request. 
I have asked if I could walk into an institution to prove my identity in person only to be told everything must be done virtually and that there isn't a physical location to enter. Please assist me with the transfer of funds to my account as I have been unable to speak with someone to assist me to date. I have submitted front and back of my current driver 's license as well as a bank statement but yet my account is still on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: LA

Complaint narrative:
In XXXX I received XXXX XXXX Loan Forgiveness for my loans. I just received notice out of the blue and was served papers signed by a Judge for a court date that I missed at an address that I dont live at anymore through a job I dont work at anymore that theyre trying to garnish my wages from as far back as XXXX on my student loans. My credit report shows all my loans are up to date. I get a XXXX check that they cant touch, but come on now Ive applied for XXXX forgiveness as well and they wont even talk to me about that and that was back in XXXX when I was approved for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
Vanderbilt stated there was nothing they could do my income was too low, also I did not qualify for their programs being offered I could receive {$500.00} and surrender home. thats not an option for me.

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 2024-02-06 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 request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed several inquiries that I did not authorize or recognize. These inquiries have negatively impacted my credit score and financial standing. Below are the details of the unauthorized inquiries : Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Inquiry Date : XXXX Creditor : XXXX  Account Number XXXX XXXX  Inquiry Date : XX/XX/XXXX Creditor : XXXX Account Number : XXXX XXXX have not applied for credit with the aforementioned creditors or authorized anyone else to inquire on my behalf. These unauthorized inquiries are inaccurate and unjustly affecting my creditworthiness. I kindly request that these inquiries be promptly investigated and removed from my credit report. As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

Enclosed are copies of documents supporting my identity, such as a driver 's license, passport, or utility bill, as well as any additional information you may require to assist with this investigation. 


Please provide a written response confirming the removal of these unauthorized inquiries from my credit report as soon as possible. Additionally, I request that you send an updated copy of my credit report reflecting the removal of these inquiries. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: AL

Complaint narrative:
Please help! I noticed iquiries and addresses on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My bank was charged twice for the same amount of payment on XXXX separate occasions. Because I paid ahead of time due to overuse of the card, Venture card automatically charged me for the second payment on the date of auto payment. Spoke with the XXXX on Tuesday / XX/XX/, and told me I only had 30 days to report the discrepancy. I was late XXXX hours due to some circumstances and but tried to call them XXXX hours earlier but their office was closed on weekend. She blamed me for paying in advance and not notifying them. I was not aware that their auto system will not recognize my early payment as I only acted as good customer not to overuse my card and be responsible to cover the charge as soon as possible. My spouse assisted me in discussing with her the situation but she continuously been screaming and blaming me for the advance payment i made. She was very rude, condescending and unprofessional in her manner discussing the issue. Very loudly objecting to my grievance and continuously talking over me as I tried to explain my well-intended actions. For a senior citizen like me who struggling to make a living, the amount that they took away from me was part of my living resource and this company never intended to correct this matter and yet still blaming a responsible and honest customer like me. Venture Card notifies me when its time to pay to pay the card but did not notify me when when they double charge my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rickart Collection Systems, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXX/XX/year> I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: TX

Complaint narrative:
The amount being reported by Applied Bank is incorrect. This account has been paid in full. 
The amount of {$130.00} was paid to XXXX XXXX XXXX  Spoke with manager XXXX XXXX and he assured me this would be resolved but it has not as of todays date. 

Original Creditor : Applied Bank Account Number : XXXX Previous Balance : {$130.00} Current 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 2024-02-06 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: PA

Complaint narrative:
Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a chance to resolve this issue. I filed a re-investigation, and still no lawful response Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ] and [ 15 USC 1692c ( 8 ), c ( 10 )

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 2024-02-06 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: PA

Complaint narrative:
Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give XXXX, Experian and XXXX a chance to resolve this issue. I filed a re-investigation, and still no lawful response XXXX, Experian and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ] and [ 15 USC 1692c ( 8 ), c ( 10 )

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am devastated. I was doing a personal investigation into my credit and felt distressed as I looked and saw that there are a myriad of errors being reported on my credit. The information that is reflected on my credit report is unfound and unverified, yet I am being penalized for the agencys failure to do their job and make sure every reporting is 100 % accurate.

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 2024-02-06 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: TX

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.

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 2024-02-06 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: PA

Complaint narrative:
Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give XXXX, XXXX and Equifax a chance to resolve this issue. I filed a re-investigation, and still no lawful response XXXX, XXXX and Equifax has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have this inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ] and [ 15 USC 1692c ( 8 ), c ( 10 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  - I made an over the phone payment with Concora Credit with their overseas customer service department and the representative enter the wrong account information in the payment system. 

XX/XX/XXXX - I received an update on my credit report that my account with Concora Credit XXXX XXXX XXXX  was 90 days late. 


XXXX XXXX XXXX  - I contacted Concora Credit and I requested that they let me listen to call where they indicated that I gave the customer service representative the wrong account number and they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WA

Complaint narrative:
My ex husband kept trying to close my account, he has nothing to do with my account and was not authorized on rthe account. In XXXX of 2023 he requested my account be closed and it was closed. I called and spoke with member services and explained the situation. I was told my account would be reopened and that notes were put on my account explaining that no changes should be made to my account by anyone calling support. Not even 48 hours later my account email, phone and address were changed as a result of him contacting support again. This action locked me out of my account and allowed him to transfer {$1400.00} to his own account. While he was able to do this in one phone call I had to jump thru hoops for a week before I was given access to an account that was empty. I disputed the transfers and a few other charges he made. Chime denied my dispute stating they found no errors in the transactions. I submitted multiple rebuttals and explained in depth how this was not authorized transactions that occured during a time when I had no access to my account after access was given to an unauthorized person despite stating my account had notes not to make changes on it. I even suggested that they look into the IP addresses for devices accessing my account and see that they changed when my account info changed and that this would confirm an unauthorized user. Again they denied my dispute. I asked for documentation used and received a vague intake report form that had minimal details about the incident

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: OH

Complaint narrative:
I checked my credit as i'm wanting to buy a new car later this year and i saw some fraudulent accounts, inquires and addresses on my consumer reports. There is an account with Named XXXX  with a balance of {$24000.00} on my consumer report that isnt mine. I've never has an account this this company or done business with them. There is a fraudulent account with XXXX XXXX Manage with a balance of {$5600.00} with orginal creditor XXXX. I HAVE NEVER HAD AN ACCOUNT WITH XXXX, i have XXXX XXXX. There is a fraudulent loan with the name of XXXX XXXX  for {$990.00}, I have never done business with this company. There are XXXX fraudulent student loans with US DEPARTMENT OF ED for {$3100.00} and {$3100.00}, but i have never attended a college before. The following fraudulent inquires on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following addresses do not belong to me XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I've been having trouble with Experian for many years. Every time I apply for car or home financing, I have to pay higher interest rates because they can't find my record with Experian. I've already lost a lot of time on the phone with them, open dispute, calls that are disconnected and the last straw was last week when my lender informed me that I wouldn't get a loan because Experian doesn't have my score and my credit is over XXXX with XXXX and XXXX. Every time I call Experian it's a different excuse. Today, for example, they said it was XXXX 's fault that it didn't report it to Experian. I called the XXXX company and there they informed me that this can only be an excuse from Experian and that XXXX doesn't report anything to anyone. When I financed a car last year my interest was higher because, again, the dealer I was unable to obtain my records with Experian. Last week my home loan was not approved because they were also unable to obtain my records with Experian. This isn't fair, I've lost a lot of business, hours on the phone and no one has an answer. I hope you can help me. 
Thank you 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