vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2024-12-09 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: AZ

Complaint narrative:
Inaccurate late payment status reporting. 
XXXX : XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX Opened XX/XX/XXXX. 
Under 1637 ( b ) of the F.C.R.A. a creditor must adopt reasonable procedures to inform the consumer by mail or delivered to the consumer not later than 21 days before the payment due date. I am requesting valid proof of this being done.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you Experian credit reporting agency block all the accounts or collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2024-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I opened an account with Robinhood on XX/XX/XXXX and XXXX deposits. The first deposit was done as an instant debit card deposit of {$1000.00} and the second deposit was {$2000.00}. I purchased XXXX for {$2000.00} as the remaining {$1000.00} was placed on hold for 3-4 days in order to clear. I was given 50 % of the XXXX deposit to invest immediately. I had XXXX in XXXX and XXXX XXXX on hold. The hold was lifted and then my account was placed with a restriction. With this restriction, I'm not able to purchase more XXXX  but was able to sell. It didn't feel right that this happened so I sold my XXXX of XXXX and now had XXXX minus selling fees which is {$2900.00}. I attempted to process a withdrawal and was denied due to the restriction. The only access i had was to process more deposits into Robinhood ( XXXX ). Every day for the past 10 days says I will have a decision on the restriction the next calendar day. Every day the message updates that the next calendar day. I have attempted multiple times to contact them through the Robinhood app and haven't received a response. This is extremely XXXX  and unprofessional. My money is being hijacked and want to make my withdraw and run. 
After researching online about Robinhood, there are XXXX  of complaints very similar to my current situation and is extremely alarming why they would continue with these deceptive and unethical practices. Many of the people complained to the CFPB about their complaints and got immediate responses and resolution from Robinhood. I need my money back and yes it came from my bank account and debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: NJ

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. 

XXXXXXXX XXXX - ACCT # 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 2024-12-09 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: NJ

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX 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 2024-12-09 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: SC

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 XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
Disputed a transaction from an order I did not receive from a company. They then proceeded to close my account due to disputing things I did not receive. The company agreed that I did not receive my order and refunded me and they took the money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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:
Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) To Whom It May Concern : I am submitting this FTC Identity Theft Affidavit to report fraudulent activity that has affected my FICO credit report. This activity includes unauthorized accounts and fraudulent collections resulting from identity theft and fraud. I demand that these fraudulent items be removed from all of my credit reports and that any collection activity related to these items cease immediately, pursuant to my rights under FCRA 605 ( b ), 15 U.S.C. 1681c-2, and applicable provisions of the FDCPA. FTC Report Number : XXXX, XXXX date XX/XX/year> I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and FCRA 605 ( b ) when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, 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 2024-12-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-09 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: FL

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with EQUIFAX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX  Incorrect information identified in reports from all three credit bureaus : Inconsistencies in Payment Comments : XXXX : " Purchased by another lender. '' XXXX : No comments provided. 
Equifax : " CHARGED OFF ACCOUNT. '' Discrepancy in Date of Last Payment : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
Discrepancy in Last Reported Date : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 


Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated XXXX  system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) ) : The creditors inability to validate this information warrants its removal. 
Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: FL

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with EQUIFAX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX  Incorrect information identified in reports from all three credit bureaus : Inconsistencies in Payment Comments : XXXX : " Purchased by another lender. '' XXXX : No comments provided. 
Equifax : " CHARGED OFF ACCOUNT. '' Discrepancy in Date of Last Payment : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
Discrepancy in Last Reported Date : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 


Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I received and property tax bill from XXXX XXXX XXXX XXXX between XXXX or XXXX of XXXX informing me my property taxes were owed. I contacted TD Bank my mortgage Lender about my property taxes and was informed my escrow account had no money. I contacted XXXX XXXX XXXX XXXX located in XXXX, XXXX. to find out why my escrow account couldn't pay my property taxes. They were no help.I contacted my XXXX XXXX XXXX XXXX XXXX XXXX and found either, and, or TD Bank or XXXX XXXX XXXX didn't properly estimate my property taxes when I purchased my house in XX/XX/XXXX. Causing my monthly mortgage to increase by {$500.00} TD Bank spread the taxes out over my mortgage payments. I applied for a temporary forbearance with TD Bank and they lied about my application and denied the forbearance. Currently I'm asking TD BANK for a loan modification. I have little confidence they will approve it. TD Bank, nor XXXX XXXX XXXX did their due diligence from the inception of my home loan process, as simple as contacting XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX to get the correct tax estimate, now I'm paying for their shared incompetence. I feel scammed because they caused me finical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dispute Department EQUIFAX XXXX XXXX ) XXXX Attn : Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Request for Verification and Removal of Unverified Negative Entries Dear Dispute Department, I am writing under the provisions of the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), to formally dispute the accuracy of certain information listed on my credit report. As mandated by federal law, I request that you provide physical verification of the original signed documents for the accounts listed below. If such verification can not be provided, the FCRA requires that these entries be removed from my credit report. 



Account Number ( XXXX ) and Details : Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Business Type : XXXX  XXXX XXXX // - Dont recognize this account Please be advised that the inability to verify these accounts may negatively impact my creditworthiness and financial opportunities. Therefore, in compliance with the FCRA, I expect any unverified accounts to be promptly removed. 

Furthermore, I wish to inform you that I have formally opted out of any arbitration clauses, reserving my right to seek legal action if necessary. 

I anticipate that you will undertake a thorough investigation of these matters and provide me with an updated credit report within XXXX  days, confirming the removal of any unverified information. 



Thank you for your attention to this matter. I look forward to your prompt compliance with these requests. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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