vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute an error on my credit report related to my account with XXXX. Due to an accounting error, my account was inaccurately reported as late, which is causing a negative impact on my credit score. However, I have been in contact with XXXX, and they have acknowledged the error and agreed to update the account status to open and never late. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: NY

Complaint narrative:
Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you.Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report.Per XXXX XXXX XXXX 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 relatesAlso per XXXX XXXX XXXX XXXX ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. XXXX - XXXX information about accounts or other relationships with a consumer that is accurate. XXXX - XXXX reasonable investigations of consumer disputesThe CRRG standards state that in order to make a report, you must follow their guidelines. Any deviation from these standards jeopardizes the integrity of data. & quot ; This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge.The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved 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 2024-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have reached out to robinhood in regard to their spend account. my account was debited a total of XXXX dollars from multiple atms and yet I have the actual debit card still and it was never used. This company has no actual XXXX number to speak to someone in regard to this. the only way to speak to someone is to ask for a call back or to discuss this in the chat. I have done this on 4 seperate occasions and there has been no resolution to my situation. I have the dates that this occurred was on the XXXX of XXXX and it started at XXXX XXXX  central standard time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: KY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2024-03-06 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: MI

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: LA

Complaint narrative:
I have a cash app linked to my XXXX XXXX XXXX XXXX XXXX account. I send and receive funds through this account. On XX/XX/XXXX, a tenant cash app my rent in the amount of {$260.00}, at XXXX. I elected to receive these funds in three days. However, I did not receive these funds in my XXXX XXXX XXXX XXXX XXXX account, and I have not received these funds to this day. On the same day cash app stated that the transaction was complete. Sinch the funds were not deposited into my account, I contacted cash app the same day, XX/XX/XXXX, and informed them that the funds were not in my credit union account. I contacted cash app on numerous occasions through messaging. I was informed that they were working on resolving the problem. Each time that I contacted them, I was given the same message. I never got an answer as to where the money went. The case has not been resolved. On XX/XX/XXXX, I received {$650.00} of rent money in my cash app account. I elected to receive the funds in 3 days to avoid the cash app fee from the direction of an employee in my credit union. Again, these funds went missing as well. Again, I made inquiry with cash app to find out where my money went. I have communicated with 3 people from cash app, and they say an ongoing investigation is being conducted. During a conversation I had with one of the employees of cash app. One of the employees advised me to go to my cash app profile, and I went to my profile, and he said to go under link bank. There I found there was a bank of some other account listed underneath my credit union account called XXXX XXXX. According to cash app representative, the money went into the XXXX account, which I have no knowledge of this account. The account has since been removed from my bank link. According to cash app, my money went into the XXXX XXXX account. My credit Union attempted to research but was unable to do so because they needed the last 4-digits of the account. The XXXX has 3-digits XXXX. I am in need of retrieving the money. I need your help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: AR

Complaint narrative:
XX/XX/2023 I called and asked why all my loans were not there. I still had two loans with XXXX and the rest consolidated with Mohela. I was told the ones at XXXX was a spousal and they couldnt be moved even though my husbands loans were paid off. I said ok, I still need to lower my payments because I pay XXXX, XXXX, and XXXX a month in student loans. We worked on the phone and they said they could lower my payments to XXXX. I said ok. Then they put me on administrative holds. They took one payment out of my account, Then I noticed my bill went to XXXX, I called and said that was not the payment that was given to me and then they put my account on administrative hold again. They still have not confirmed my employment. I have turned in all my papers with student gov. I keep getting the run around and it has been stressful. I have XXXX  XXXX XXXX XXXX and my XXXX XXXX XXXX XXXX XXXX due to bullying. I will pay my loans, but I would like a payment I can afford. For over 10 years all that has happened is my payments go up due to interest. I worked the XXXX during XXXX  and continuing to serve in a XXXX XXXX. Mohela is doing borrowers wrong and causing mental health on the American Citizens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: NV

Complaint narrative:
I have been the victim of identity theft. I already have a fraud alert placed on my consumer reports but I need to have addresses and names that I do not recognize removed from my consumers reports to prevent any further possible identity theft. There's already an extended fraud alert on my file.

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Complaint Regarding Inability to Complete Repayments and Lack of Resolution Dear Bank of America Customer Service, I am writing to express my extreme dissatisfaction with the services provided by Bank of America in relation to my recent attempts to make repayments on my account. Despite multiple attempts to address the issue, I have encountered significant obstacles that have impeded my ability to maintain timely repayments, resulting in late payments and a detrimental impact on my credit score. 

Despite my persistent efforts to rectify the situation through various channels of communication, including phone calls and online inquiries, I have been unable to find a satisfactory resolution. The inability to complete repayments and the subsequent late payments have not only caused financial distress but have also tarnished my credit history, which I have diligently maintained over the years. 

Furthermore, I have encountered difficulties in setting up a new repayment card, exacerbating the already frustrating situation. The lack of functionality in this regard has added to the inconvenience and has left me feeling disillusioned with the level of service provided by Bank of America. 

As a valued customer, I expect better from Bank of America and urge you to take immediate action to address these issues and provide a satisfactory resolution. I trust that you will thoroughly investigate this matter and implement measures to prevent similar occurrences in the future. 

I appreciate your prompt attention to this matter and expect a swift and effective resolution. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to delete these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX  : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2024-03-06 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the consistent pattern of stall letters that I have received in response to my dispute letters sent to TransUnionXXXX . As a diligent consumer, I have taken the necessary steps to rectify inaccuracies on my credit report, only to be met with what seems to be a systemic delay in the resolution process. 

Upon further investigation and consultation with resources available, including the Consumer Financial Protection Bureau ( CFPB ) database, I have noticed a recurring trend of similar complaints from other consumers regarding stall tactics in your responses to disputes. The CFPB has also addressed this issue in a report titled " CFPB Issues Report on TransUnion, XXXX, and XXXX, '' highlighting the need for fair and efficient dispute resolution processes. 

In particular, I would like to draw your attention to the cases of Gorman v. Wolpoff & Abramson and Davis v. TransUnion, LLC, as these legal precedents underscore the obligation of credit reporting agencies to promptly and thoroughly investigate consumer disputes under the Fair Credit Reporting Act ( FCRA ). Both cases emphasize the significance of compliance with FCRA 1681i, which mandates a reasonable and timely investigation into consumer disputes. 

The continued use of stall letters raises concerns about potential violations of FCRA 1681i and goes against the principles laid out in the aforementioned cases. It is my sincere hope thatTransUnion/XXXX will take immediate steps to rectify this matter, ensuring that disputes are addressed promptly and in accordance with the law. 

I kindly request that you conduct a thorough and expedited investigation into the disputes I have raised and provide a comprehensive and timely response in line with the FCRA. Failure to do so may compel me to escalate this matter further through legal channels. 

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution.

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 2024-03-06 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
Im confused about WARRANTY DEED and NOTE both of them are stating contradictory statements on my Note its state I have a promise to pay {$270000.00} to the Lender GUARANTEE RATE , INC., A DELAWARE CORPORATION but on my WARRANTY DEED states ( {$10.00} ) was given to the a note of even value of the principal amount of XXXX. Im asking why are the two statements not being valid on the same amounts. The property in question XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX. Im asking how was XXXX, XXXX and XXXX XXXX Affiliated in connection with the NOTE or WARRANTY DEED which whom neither is stating their affiliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief