vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: AK

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



Inquiry XXXX XXXX XXXXXXXX

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 2024-05-22 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: TX

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
Complaint against ONE main financial XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX I obtained a secured loan with my vehicle as collateral and rest of loan was supposed to pay off my credit cards. The rest was given to me as a check. It was a very easy process. A couple days ago XXXX XXXX. I was given option in the payment portal to open a larger loan to payoff current loan. I filled out information this time my son cosihned so his credit card would get paid off with excess funds. I was reapproved online for XXXX I didnt need or want that big of a loan. In the morning XXXX the manager of One main in XXXX XXXX had XXXX call me and rudely say they cant approve me because it isnt a good idea even though the computer online approved me after I uploaded me and my sons income plus they ran credit reports for us both. XXXX the manager is always rude to me when I call there because of prior disagreements for him paying my credit card off in beginning so he doesnt like me not my wife. Anyhow I wasnt satisfied and called corporate to explain that XXXX said I couldnt get a new loan corporate ran the numbers and income etc and said I could. A couple hours after speaking to XXXX the woman from corporate called back and said It will be approved but for lower amount. Then she called back stating she didnt have my income so I need to upload. So I did upload then next morning they said I wasnt approved because my sons income was less than what we uploaded?? I uploaded it again and they got correct income then they said I couldnt get the loan because I need to prove my son gets his income by uploading full bank statements for his income. I felt exhausted and felt they were playing with me by this time. Then the woman from corporate texted me saying she wants the full bank statement and I better not edit the income and dont take screen shots. Omg I was so frustrated I texted her back told her she is discriminating against me and accusing me of fraudulently editing income!! My sons income is only XXXX so I have then the direct XXXX  income award monthly letter and they say Im editing it and then she keeps saying to resubmit the whole bank statement.. I havent uploaded the statement because I feel they are deliberately harassing me because of XXXX my son and I income are enuf to get approved and they know it. This is discrimination in lending

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: NC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated 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 explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
XX/XX/XXXX my account was hacked. Due to this I changed my telephone number and my passcodes on everything. Robinhood locked my account. I have emailed them numerous times. I updated my phone number with Robinhood and verify it was me. Called numerous times. Their system called you back but I never get the call. I have even went through XXXX XXXX XXXX  with no luck of resolving this situation. The hacker sold all my stock and but it into Crypto. Robinhood has stopped them from stealing any thing but I want my money out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I contacted XXXX several times to get a copy of a bill they sold Jefferson capital! They refused to give it to me bc they did the debt! Jefferson capitol wont give me a copy either after several attempts to get it! Every time I disput the account they change the opening date and date of XXXX late payment! I had XXXX from XXXX when I switched and took my numbers with me and XXXX XXXX XXXX bought out the contract! Jefferson capital claimed I was in late by XX/XX/XXXX before the dispute they claimed I was late as of XX/XX/XXXX even tho I didnt have. XXXX in XXXX! They keep changing the dates on my credit report every time I dispute the bill as not mine and refuse to remove it or supply copies of what I owe even tho its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
XXXX / XXXX Account XXXX - XXXX XXXX XXXX. I just got a copy of my credit report, I notice you are reporting this account incorrectly. This collection account is already as PAID/CLOSED, According to the FCRA, XXXX have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion

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 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OH

Complaint narrative:
On XX/XX/year>, someone logged into my Credit Karma Money account. Credit Karma 's verification process did not stop them as I never received any emails or text message to authenticate the account. Once they were in my account, the took the virtual debit card number and proceeded to charge my entire balance on one transaction to a merchant I'm not familiar with. I also have emails from after the fact where they changed the phone number and mailing address on file. Their system did not work as it was supposed to and I received no notice until hours after the account was already compromised. 

When I called Credit Karma, they told me I had to wait to see if the charge would go through despite having the sufficient funds and knowing the charge would instantly reversed if that weren't the case. I had to wait 4 days to even be able to dispute the charges despite being aware my account was compromised and now waiting up to 120 days to get my money back. 

Due to their investigation, I'm completely locked out of my account, the account number hasn't been changed, nor has the debit card number. I've called back repeatedly as they never contacted me back as they stated and even when the transaction went through I had to call back multiple times just to get the dispute done. I got hung on multiple times in this process and not one attempt was made to continue the work or call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: AZ

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 XXXX Bureaus, Transunion, XXXX, and 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 2024-05-22 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: AZ

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 XXXX Bureaus, XXXX, Experian, and 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 2024-05-22 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, XXXX XXXX, am experiencing significant negative impacts on my credit score and financial stability due to numerous inaccuracies on my credit reports provided by XXXX, Experian, and XXXX. These inaccuracies include discrepancies in account numbers, dates of activity, high credit limits, and account statuses for multiple accounts. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, the erroneous information remains on my credit reports. 
Specifically, the disputed accounts and issues are : XXXX. XXXX ( Account Number : XXXX - Discrepancies : Date opened, credit limits, high credit. 
- Details Requested : Verification of the opening date, high credit, and credit limit for accuracy. 

XXXX. XXXX  XXXX Account Number : XXXX -Discrepancies : High credit, account closure status, date last active. 
- Details Requested : Confirmation of the high credit, closure status, and last active date. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX - Discrepancies : High credit, credit limit, account numbers, date of last payment. 
- Details Requested : Clarification of the high credit and exact credit limit. 

XXXX. XXXX XXXX XXXXXXXX ( Account Number : XXXX - Discrepancies : Date of last payment, high credit, account numbers, status of account closure. 
- Details Requested : Review and verification of the high credit, payment status, account number, and closure details. 

XXXX XXXX XXXXXXXX ( Account Number : XXXX - Discrepancies : Date last active, date of last payment. 
- Details Requested : Validation of the last active date and the last payment date. 

XXXX. XXXX ( Account Number : XXXX ) - Discrepancies : High credit, credit limit, date of last activity, account numbers. 
- Details Requested : ** Correction of high credit values and confirmation of the date last active. 

Additional discrepancies include the dates of account openings and closings, reported balances, and payment histories. These inaccuracies are adversely affecting my credit score and financial standing.

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 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I don't recall having a contractual relationship with this collection company JEFFERSON CAPITAL SYSTEM. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I am writing to complain about Loan Depot, broadly, due to their not closing on time, and the Loan Depot XXXX XXXX in the XXXX area XXXX led by XXXX XXXX XXXX and my specific concerns about loan XXXX XXXX XXXX XXXX 

I have two complaints : 1. The first complaint is the manner in which XXXX XXXX conducts her business. I was working with a separate loan officer with Loan Depot, XXXX XXXX, out of a different office. He had performed a lot of work on the loan. XXXX XXXX, who I had never spoken to, upon learning that we would be closing on a home, went into our Loan Depot file and changed the loan XXXX from XXXX XXXX to herself. XXXX XXXX can confirm this and XXXX XXXX does not deny it. She did this without our permission. 

XXXX. When I complained about this, Loan Depot did not close on time, and they asked me to pay a new fee just days before closing. I believe both of these steps were in direct response to my complaints about XXXX XXXX 's behavior, which I believe was unprofessional and unethical. I further find it unacceptable that Loan Depot could not close on time. I provided them all the information requested several weeks in advance. On the day of closing, they requested several new items ( some that they already had ) and make spurious arguments, asking for information that they did not need. I believe they asked for these to attempt to justify their inability to close on time and attempt to reframe the narrative as someone else 's fault. 

It's not clear if this was willful retribution for my criticism, or simple incompetence. In either case, the delayed closing had significant XXXX and XXXX order effects. I had to take 4 days off of work, waiting in front of my computer all day, for LoanDepot to respond to me and let me know if they needed anything else to close. This hurt my professional reputation and has caused me several issues with my supervisor in the federal government. Loan Depot made requests at XXXX on multiple days in a row, and then left for the day, ensuring no progress could not be made on that day and starting the same game the next day. 

I had to negotiate with the seller to avoid losing the deal, and my due diligence money. I had to rearrange appliance deliveries. I had tenants who had planned to move in. I had to change dates for improvements to the property ( installing a fence ). Loan Depot at no point expressed even a little bit of concern for the chaos their delays were causing. I can't believe the loan officers I dealt with are licensed professionals. I would like the CFPB to bring both the company and individuals involved and this complaint to the attention of the appropriate licensing authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: LA

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXXXXXX XXXX XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX : # XXXX, Account name XXXX XXXX : # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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 2024-05-22 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: LA

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXXXXXX, Account name XXXX : # XXXX, Account name XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit report on XXXXXXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-05-22 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: TN

Complaint narrative:
My vehicle loan account is being reported inaccurate by all 3 credit bureaus. The information is different across all 3 credit bureaus. I asked for this to be investigated and corrected but have not gotten any results or proof of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion Credit Reporting Agency claim I XXXX XXXX, made a request, to delete and remove my credit card that was in good standing, moreover, the card in question was XXXX XXXX XXXX XXXX XXXX  ; offered by XXXXXXXX XXXX  The Reporting Agency stated I made this false request, I informed this that '' I didn't make any such request, moreover this was fraudulently done, without my consent or permission. The credit card issuer XXXXXXXX XXXX closed my account, as a result of this fraudulent request made by Transunion, furthermore, they further stated the card was closed and could not be open, unless I reapplied for a new card. This is very disheartening, and it made me feel powerless, because they failed to take any action to correct the erroneous mistake.

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