vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information on my credit report. On XX/XX/year>, I notified each credit bureau that as a federally protected consumer, I opted out of any and all authorizations, verbal, non-verbal or written and unwritten, per 15 USC 6802 in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite this notification, my credit report continues to reflect inaccurate information that should not be present. This situation is not only affecting my credit score but also my ability to secure credit and other financial opportunities. 

I request that the CFPB take appropriate action to ensure that all inaccurate information is investigated and removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX XXXX I identified inaccurate information related to a Capital One account on my credit report. This information negatively affected my credit score and my ability to secure financial products. 
I then filed a formal dispute with the credit reporting agencies ( such as [ XXXX XXXX XXXX providing clear documentation of the inaccuracies.

According to the FCRA, once a consumer disputes an item on their credit report, the credit reporting agencies are required to notify the furnisher of the information ( in this case, Capital One ). I have reason to believe that the credit reporting agencies properly notified Capital One of my dispute as required. 
Despite this notification, Capital One failed to investigate the dispute or provide accurate updates to the credit reporting agencies. As of today, the inaccurate information remains on my credit report. 
As a result, I initiated a legal claim against Capital One in federal court under 15 U.S.C. 1681s-2 ( b ). Capital One received the complaint through a process server XX/XX/year> but has not yet responded to the lawsuit. 

Due to Capital Ones failure to investigate and correct the inaccuracies on my credit report, I have suffered financial harm, including : A reduction in my credit score.

Denial of credit applications and unfavorable loan termsXXXX XXXX XXXX  and frustration caused by Capital Ones lack of response to my legal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a transaction of {$600.00} on XX/XX/year> from my bank to another bank with XXXX however the other party never received the {$600.00}. I contacted my bank to inquire about my transaction and why it was not received on the other end and my bank verified and confirmed that the {$600.00} was processed and distributed from my account even though the other party didnt not receive it. My bank advised me that there was nothing they could do in their end but to call the other bank I sent the money to. I told my bank that since I use XXXX through the Chase app that they should be held responsible for my mone.So the other party contacted their bank and received a letter from their bank stating that there was no money deposited. Furthermore I contacted XXXX and XXXX told me that I would have to contact my bank to dispute the issue because since the transaction was made through my bank using XXXX and not through the XXXX app there was nothing that they could do. I filed a dispute with chase bank and again received the letter stating that there was nothing they could do. Its been more than 10 months and we have not received a credit of {$600.00} dollars and the other party has not received any money either. Nobodys been able to help us with this issue we just keep getting the runaround.I would like to have my {$600.00} deposited back to my account or to the party that was transferred to. I appreciate your help in this matter. I have letters from all parties involved on this issue as proof. I hope to hear from you.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
I sent a transfer to XXXX thru WorldRemit and the money was placed in hold due to an unexpected glitch. 3 days later I canceled the transfer expecting my money back at the most in 7 days. XXXX  days have gone by and no refund at all. Contacted WorldRemit several times with just answer of you just have to wait and not letting me know a date to recive my money back. I need my money and a compensation since I needed to transfer that money for my daughter 's health issue and wasn't able to use that money. The transfer number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
This account looks as though it was created online. Please properly identify this account belonging to me if not please remove this information from my credit report or else i will get a lawyer. I have been a victim of 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Virginia XXXX XX/XX/year> OneMain XXXX XXXX XXXX XXXX, Maryland XXXX Re : Cease and Desist Notice Regarding Alleged Debt Account # XXXX Amount {$3800.00} To Whom It May Concern, I am writing to request that you and your company desist all collection activities related to the alleged debt referenced above, which is purportedly owed to your company. This request is made under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the requirements of 15 USC 1602 regarding the provision of a 1099-C form in cases of charge-offs and write-offs.

Based on the absence of a 1099-C form and the lack of validation of the debt in accordance with the FDCPA, I have serious concerns regarding the legal validity and necessity of continued collection efforts by your company. Without the proper documentation and compliance with the provisions of 15 USC 1602, I request that all collection activities cease immediately. 

Therefore, according to my rights under the FDCPA and the legal requirements outlined in 15 USC 1602, I formally request that you and your company : Cease all communication with me and any third parties regarding the alleged debt, including but not limited to phone calls, letters, and any other form of contact Cease all collection activities, including reporting the alleged debt to credit bureaus or pursuing any legal action.

Refrain from any further assertion of the alleged debt until adequate documentation and compliance with 15 USC 1602 are provided to me.

I remind you that failure to comply with this request will be considered a violation of the FDCPA and may result in legal action. Please take this notice seriously and provide confirmation in writing that collection activities have ceased. 

Please consider this letter as a formal demand for the cessation of all collection activities related to the alleged debt in question. No further communication or collection attempts should be made concerning this debt until the requested documentation and compliance with 15 USC 1602 are provided and the debt is validated under the FDCPA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I contacted XXXX to dispute the inaccuracy and errors of 2 Bankruptcies present on my credit reports. I first contacted the local Bankruptcy court to understand how 2 bankruptcies were reported on public record when I did not complete a bankruptcy. There are 2 bankruptcy months apart which is not feasible in bankruptcy court laws which is a direct indication of error and inaccuracy and clear violation of 15 USC 1681. I was informed by the court that they did not report any information to the credit bureaus. On XX/XX/2024 XXXX XXXX conducted its investigation and determined that the bankruptcy filings report data as unverifiable and is in violation of the FCRA and was removed and their files updated. So I am confused as to how XXXX, XXXX and Transunion was allowed without permission from the court or anymore to report this erroneous and inaccurate information. I have disputed the violation with all 3 credit reporting companies with no avail. I contacted XXXX XXXX and they have disputed this information along with a erroneous collection in violation fo 15 USC 1692, but have not received a response from them. The XXXX, Transunion and XXXX are in clear violation the FCRA which allows me to sue in State and Federal Court. If these items are not removed immediately, I will be forced to seek legal redress with the bankruptcy for reporting inaccurate and erroneous information but again they said they do not have a completed bankruptcy on file for me. I need these bankruptcies and collection removed immediately.

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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I contacted XXXX to dispute the inaccuracy and errors of 2 Bankruptcies present on my credit reports. I first contacted the local Bankruptcy court to understand how 2 bankruptcies were reported on public record when I did not complete a bankruptcy. There are 2 bankruptcy months apart which is not feasible in bankruptcy court laws which is a direct indication of error and inaccuracy and clear violation of 15 USC 1681. I was informed by the court that they did not report any information to the credit bureaus. On XX/XX/year> XXXX XXXX conducted its investigation and determined that the bankruptcy filings report data as unverifiable and is in violation of the FCRA and was removed and their files updated. So I am confused as to how XXXX, Equifax and XXXX was allowed without permission from the court or anymore to report this erroneous and inaccurate information. I have disputed the violation with all 3 credit reporting companies with no avail. I contacted XXXX XXXX and they have disputed this information along with a erroneous collection in violation fo 15 USC 1692, but have not received a response from them. The XXXX, XXXX and Equifax are in clear violation the FCRA which allows me to sue in State and Federal Court. If these items are not removed immediately, I will be forced to seek legal redress with the bankruptcy for reporting inaccurate and erroneous information but again they said they do not have a completed bankruptcy on file for me. I need these bankruptcies and collection removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: OH

Complaint narrative:
I am submitting this complaint Against Experian Regarding Inaccuracies In My Personal Information As Reported In My Credit Report.

Details Of The Dispute : 1. Incorrect Name : My Current Legal Name Is XXXX XXXX, But It Is Incorrectly Listed As XXXX XXXX. On My Credit Report. I Request That My Name Be Updated To Reflect The Correct Information.

2. Outdated Address : My Current Residential Address Is XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX, While My Credit Report Shows An Outdated Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I Request That My Current Address Be Updated Accordingly. 


3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as EMPLOYED. I request that employer be updated to reflect the correct information. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.

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 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
They restricted my account for an unknown reason said it was due to My location. Which has always been with 50 mile of each other. Ive provided documents that they wanted and then they keep adding more or its not good enough. How the XXXX am I suppose to get a pdf of a closed account? Why is it even necessary? Its closed I provide them printed statements and one pdf of my current bank statement. Not good enough. Again why do they need everything ever in my account. I only have XXXX in there provided proof of everything they wanted and they r making it seem Im trying to withdraw a XXXX dollars. Soooooo do some research before ever investing with Robinhood

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: Self Financial Inc.
State: FL

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRICIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice in pursuant to 15 USC 1602 ( k ) that your Company never an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company didn't even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made a uniformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ). The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority or such use and form which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME.

If you accept my request, i will not escalate this matter to Federal Court. In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.

Thank you for your attention to this matter. 

sincerely, XXXX XXXX 

All Rights Reserved Without Prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: 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. PLEASE BLOCK AND REMOVE

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 2024-10-23 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: FL

Complaint narrative:
To Whom It May Concern, I strongly object to the findings of your investigation. Despite your efforts, the following incorrect items on my credit report remain unresolved. It is imperative that you conduct a thorough reinvestigation into these matters as they are severely damaging my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Your cooperation and prompt attention are legally required.

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 2024-10-23 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: FL

Complaint narrative:
To Whom It May Concern, I strongly object to the findings of your investigation. Despite your efforts, the following incorrect items on my credit report remain unresolved. It is imperative that you conduct a thorough reinvestigation into these matters as they are severely damaging my credit rating. 


Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 

Your cooperation and prompt attention are legally required.

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