vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-12-06 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: FL

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-12-06 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 662 states I have the right to privacy ( 15 USC 161 ( section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit account under an open end consumer credit plan for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I was on vacation and received fraud alert from Chime Banking. On XX/XX/XXXX at XXXX. I received a fraud alert about a charge from XXXX for {$550.00}. I responded back Yes to the text message when the charge did not go through. Once I responded yes I was charged by another merchant named XXXX XXXX on XX/XX/XXXX at XXXX for XXXX $ and again by XXXX XXXX XXXX XXXX for {$830.00}. I never received a fraud alert from Chime about two charges on XX/XX/XXXX at these times about a company named XXXX XXXX trying to charge me. I later called XXXX XXXX and was told on the phone that there was not record of a charge from there company. I proceeded to report this as fraud to Chime Bank by calling and explaining the situation. They then denied my claim. I proceeded to ask for documents back about why it was denied. The only information I was provided was the documents and evidence I provided. This processes has since been repeated 2 more times. Supervisors have sense started to hang up on the phone with me because I keep explaining that I am not receiving any evidence showing I did make this transaction. The documents I provided were fraud alerts not matching, documents showing the company closed in XXXX, and information about me contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX - XXXX - {$10000.00} XXXX XXXX XXXX - XXXX - {$4400.00} XXXX XXXX - XXXX - {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: KS

Complaint narrative:
Subject : Method of Verification Request under FCRA Section 611 ( 15 U.S.C. 1681i ) : Request for Reinvestigation of Verified/ Updated Accounts Under FCRA, Potential Defamation of Character Dear Experian Dispute Department, I am writing regarding disputed items on my credit report, which were previously addressed in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ). As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I request that you reinvestigate the items listed below or immediately remove them from my credit report if verification can not be conclusively documented. 

Disputed Items : Account Name : XXXX XXXX XXXX Potentially negative months Account Number : XXXX Date of Account : XX/XX/XXXX Account Name : XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Number : XXXX Date of Account : XX/XX/XXXX Status : Account charged-off. {$5600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Account Name : XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Number : XXXX Account type : Charge card Date of Account : XX/XX/XXXX Status : Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX Status updated : XX/XX/XXXX Account Name : XXXX XXXX POTENTIALLY NEGATIVE Account Number : XXXX Account type : Revolving Date of Account : XX/XX/XXXX Status : Account charged off. {$1.00}, XXXX written off. {$1900.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Method of Verification Under FCRA Section 611 ( a ) ( 7 ), I am entitled to a clear description of the procedure you used to verify the accuracy and completeness of the disputed information. Please provide : 1. The name, address, and phone number of the entity that provided the information. 
2. The exact steps taken during the reinvestigation process.

3. Copies of any documents or information used to verify the accuracy of each item. 
Compliance with the CFPB Complaint The items in question were part of my initial CFPB complaint against credit bureaus, including Experian. If you can not verify the accuracy and completeness of these items within 30 days, as stipulated by the FCRA, I request that you immediately delete them from the FICO report you maintain. These items have already been deleted for the reason of Identity theft and as evidenced by your correspondence. Updating or verifying these items on my credit report would be an adverse action committed by you on the basis 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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-06 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: GA

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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: CT

Complaint narrative:
Today I was sleeping and someone from FSA called me to verify my email address, when I looked at my phone it was to recover my password. I don't know what a fair resolution would be. I have to go to the doctors today and this is taking too much time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Please see details regarding my case in the uploaded documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
New unrecognized account on transunion report. Did not authorize rent reporting/new account

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 2024-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file an urgent complaint against Robinhood, which has caused me significant financial harm and distress. On XX/XX/XXXX, I deposited {$480.00} into my Robinhood account, with the clear expectation that the funds would be available by XX/XX/XXXX, as per their own stated policy. However, on XX/XX/XXXX, my account was locked, and I was unable to access or withdraw my money, despite their assurances that the funds would clear. 

In an attempt to resolve the issue, I tried to cancel the transaction, but Robinhood refused to allow me to do so. Instead, they restricted my account entirely, trapping my money with no clear explanation. I complied with every request they made, providing my ID, Social Security number, and bank statement, but despite all this, my account was closed, and my money is still inaccessible. 

This is not just a technical issue this is theft. Robinhood has stolen my money, and as a direct result of their actions, I have now been evicted from my apartment. My rent was due, and because Robinhood refused to release my funds, I am now homeless. They have left me in a dire financial situation with no way to resolve it.

Furthermore, Robinhood has made it impossible for me to contact them. I am unable to call, email, or chat with anyone from their company. They have effectively disappeared and left me without recourse.

I am demanding the immediate return of my {$480.00}, along with compensation for the harm and suffering caused by their reckless and unlawful actions. I am also demanding interest on the funds that they have held unlawfully, and I request that the Consumer Financial Protection Bureau intervene to force Robinhood to make this right.

Robinhoods actions have caused me significant emotional and financial distress, and I will not stand by while they continue to abuse their position of power. I have all documentation, including screenshots, transaction records, and communications, to support my claims.

Please take immediate action to ensure that Robinhood is held accountable and that my money is returned with interest. I will pursue legal action if necessary, but I am hopeful the CFPB can intervene to resolve this situation as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Why until now these negative accounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased a jacket on XXXX for around XXXX USD on XX/XX/year>, with order number XXXX. After placing the order, I contacted the seller to request a cancellation, but they informed me it had already been shipped. Upon receiving the item, I noticed it was not as described and had damage in the neck area. I promptly returned the item to the seller. Although the seller has received the returned item, they refused to issue a refund, citing their no-returns policy, which I hadn't noticed during the purchase. According to XXXX 's Money Back Guarantee, I believe I am entitled to a refund for receiving a damaged item. 

I also opened a dispute with Capital One with the case number XXXX, but they did not issue a refund either. They asked for additional documents which I provided, but I have not heard back from them. I am also attaching supporting documents here. 

Now, I find myself in a situation where I no longer have the item, yet I am still being charged for it. I am unsure how to proceed to recover the money I paid for an item I do not owe. Your assistance in resolving this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I checked my credit report this morning, and I realized there was a collection that just appeared that isnt mine

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 2024-12-06 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: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief