vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-02 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: PA

Complaint narrative:
I am writing to formally request your assistance regarding an ongoing issue with inaccurate information reported by XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). Despite my efforts to resolve this matter directly with the credit reporting agencies, the incorrect information continues to appear on my credit report, negatively impacting my creditworthiness. 

Issues with Reporting : I believe that the following inaccuracies violate my rights under federal consumer protection laws : Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. The persistence of incorrect information suggests a failure to meet this standard.

1681i : This provision gives consumers the right to dispute inaccuracies and requires credit reporting agencies to conduct reasonable investigations of such disputes. Despite my dispute, the inaccurate information remains, indicating a lack of compliance with this requirement. 
1681s-2 : This section holds furnishers of information, like XXXX, responsible for ensuring that the information they report is accurate. If XXXX has not corrected the inaccuracies after being notified, they may be in violation of this law. 

Additionally, I request a complete history of the checking account associated with XXXX XXXX XXXX XXXX. This information is crucial for me to understand the discrepancies in the reported information and to verify the accuracy of the account details. 

I kindly ask the CFPB to investigate these potential violations and enforce compliance with the FCRA regarding my account. The presence of this inaccurate information is adversely affecting my credit score and my ability to secure credit and financial opportunities. 

I have documented all communications regarding my disputes and can provide additional details if needed. Thank you for your attention to this matter. I look forward to your prompt response and any assistance you can provide.

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 2024-10-02 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: FL

Complaint narrative:
I filed a complaint against XXXX XXXX and XXXX because of an unknown account. They replied back on XX/XX/year> stating that all collection attempts h will be ceased and that they will remove this from my credit file. I have attached the XXXX XXXX 's response with authorization code.

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 2024-10-02 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-02 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like to dispute the following items on my credit report. 

XXXX : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX TransUnion : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/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 2024-10-02 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: TX

Complaint narrative:
I would like to dispute the following items on my credit report. 

XXXX : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/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 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
Summary of My Issue for CFPB Complaint : On XX/XX/year>, I discovered that my Robinhood Gold Credit Card account had been closed without prior notice. When attempting to make a purchase, my transaction was declined. Upon contacting Robinhoods supportwhich only communicates via text messageI was informed that my account had been closed on XX/XX/year>. The reason given was transactions flagged for abuse of the Robinhood Gold Card rewards program, stating that my account was used for business-type transactions, which are prohibited.

I use the card as my personal credit card. Since my employer does not provide corporate cards, I occasionally use my personal card for work-related expenses and then submit receipts for reimbursement. I was unaware that this violated the cardholder agreement, and I was not given any prior warning or opportunity to rectify the situation.

I have always paid my bill in full every month and have never accrued interest or fees. Despite this, Robinhood has revoked my rewards points and cashback : I am unable to withdraw approximately {$170.00} in cashback that I had already earned.

They have not applied cashback on about {$22000.00} worth of purchases made before the account closure.

When I reached out to Robinhoods support to resolve the issue and requested to speak with someone over the phone, they declined, stating that they do not offer phone support. All I received were generic, boilerplate text messages, and they refused to provide further assistance or escalate my concerns effectively.

I find this situation extremely frustrating and believe I have been treated unfairly. I feel that Robinhood has : Closed my account without adequate notice or a clear explanation.

Withheld earned rewards and cashback without justification.

Provided inadequate customer support by limiting communication to text messages and not allowing for a meaningful dialogue to resolve the issue.

Desired Resolution : Reinstatement of my credit card account.

Restoration of my earned rewards points and cashback.

Clear communication regarding the specific violations and guidance on how to comply with the cardholder agreement in the future.

Improved customer support channels, including the option to speak with a representative over the phone.

I have made every effort to resolve this issue directly with Robinhood but have been unsuccessful. I am seeking the CFPBs assistance in addressing this matter and finding a fair resolution. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: NJ

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
: Formal Dispute of Inaccurate Credit Information - Account # XXXX Request for Immediate Deletion** Dear XXXX, XXXX, and Equifax, I recently checked my credit report, I am writing to formally dispute the inaccuracies in the reporting of account # XXXX on my credit file. After reviewing the information provided by your bureaus, I have identified significant errors and inconsistencies that are in violation of my rights under the **Fair Credit Reporting Act ( FCRA ) **, **Truth in Lending Act ( TILA ) **, and **Fair Debt Collection Practices Act ( FDCPA ) **. I demand the immediate deletion of this account from my credit reports in accordance of 15 USC 1666 ( b ), for the following reasons : I have attached supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: KY

Complaint narrative:
My account with XXXX XXXX TRANSUNION 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 to be 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.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports

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 2024-10-02 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: KY

Complaint narrative:
My account with XXXX EXPERIAN XXXX 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 to be 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Delete the late payments from my consumer reports

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 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Several months ago i was contacted by XXXX and XXXX who proceeded to violate my consumer rights first by falsely giving me the consumer the impression that they are a law firm, then pretending to have a business opportunity for me and solicited all my presonal information which violates the Privacy Act of 1974 and an array of Consumer Laws. They then retaliated against me as they sated they would, and deliberately negatively reported to the credit reporting agencies against my explicit verbal and written demands. The company willfully ignored all my lawful affidavits including a debt verification/validation request. As this context pertains to CFPB Complaint : XXXX, the credit reporting agencies were made aware of this Several months ago but continued to furnish reports of an alleged debt i have no awareness of, and by fact of law, one that was dissolved under Legal Maxims of Consumer laws, and contractual laws when XXXX XXXX  XXXX Failed to respond to the lawful affidavits in the lawful alloted time, thereby dissolvingany obligations i have to this alleged debt. The account was disputed multiple times and is still being negatively reported on my credit file causing injury and binding of my contractual powers presently and henceforth. As the credit reporting agencies have had multiple opportunities to remove the debt. And has conducted and concluded multiple investigations already in good faith they can not be granted more time. Therefore, the conditional/ contractual stipulation of the 48 hour period at the time it was stated is within my contracting powers according to Uniform Commercial Code and the United States Book of Codes. I do not consent to the credit reporting agencies anymore time. My contractual terms are still stands. I Therefore reject the offer, or request of the credit reporting agencies for more time. with facial relevance- this is a NOTICE OF NO CONTRACT. OFFER REJECTED All Rights Reserved UCC 1-308.

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 2024-10-02 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: NY

Complaint narrative:
Several months ago i was contacted by XXXX XXXX XXXX who proceeded to violate my consumer rights first by falsely giving me the consumer the impression that they are a law firm, then pretending to have a business opportunity for me and solicited all my presonal information which violates the Privacy Act of 1974 and an array of Consumer Laws. They then retaliated against me as they sated they would, and deliberately negatively reported to the credit reporting agencies against my explicit verbal and written demands. The company willfully ignored all my lawful affidavits including a debt verification/validation request. As this context pertains to CFPB Complaint : XXXX, the credit reporting agencies were made aware of this Several months ago but continued to furnish reports of an alleged debt i have no awareness of, and by fact of law, one that was dissolved under Legal Maxims of Consumer laws, and contractual laws when XXXX XXXX  XXXX Failed to respond to the lawful affidavits in the lawful alloted time, thereby dissolvingany obligations i have to this alleged debt. The account was disputed multiple times and is still being negatively reported on my credit file causing injury and binding of my contractual powers presently and henceforth. As the credit reporting agencies have had multiple opportunities to remove the debt. And has conducted and concluded multiple investigations already in good faith they can not be granted more time. Therefore, the conditional/ contractual stipulation of the 48 hour period at the time it was stated is within my contracting powers according to Uniform Commercial Code and the United States Book of Codes. I do not consent to the credit reporting agencies anymore time. My contractual terms are still stands. I Therefore reject the offer, or request of the credit reporting agencies for more time. with facial relevance- this is a NOTICE OF NO CONTRACT. OFFER REJECTED All Rights Reserved UCC 1-308.

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 2024-10-02 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: IL

Complaint narrative:
There are XXXX collection accounts XXXX XXXX XXXX and XXXX XXXX  that are still showing on my transunion credit report. They should be deleted as I have yet to receive validation of debt proof experian had no issue removing the 2 collection accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: PA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief