vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account - XXXX  : Account - XXXX XXXX Account - XXXX  Account - XXXX  # XXXX The above accounts were opened fraudulently without my consent. 
Please remove from credit report asap

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 2024-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Student Assistance
State: TX

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report 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 explanation
Consumer complaint received 2024-09-11 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car loan open at XXXX XXXX XXXX, on XX/XX/2022, under the account # XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
I am disputing inaccurate information currently being reported on my credit file with TransUnion, XXXX, and XXXX. The information listed contains discrepancies that do not accurately reflect my financial history. I have attached detailed letters outlining the specific errors. Please review the attached documentation and update my credit report accordingly to ensure that the information is accurate and reflects the correct status of my 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 2024-09-10 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: FL

Complaint narrative:
I am disputing inaccurate information currently being reported on my credit file with XXXX, Experian, and XXXX. The information listed contains discrepancies that do not accurately reflect my financial history. I have attached detailed letters outlining the specific errors. Please review the attached documentation and update my credit report accordingly to ensure that the information is accurate and reflects the correct status of my 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 explanation
Consumer complaint received 2024-09-11 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: TX

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccuracies in the payment history reported on my Equifax credit report by XXXX XXXX XXXX. 

Despite multiple attempts to resolve the issue directly with both Equifax and XXXX XXXX XXXX, my credit report continues to inaccurately reflect excessive late payments for my XXXX XXXX XXXX account ( Account No. XXXX ) during XXXX and XXXX. Specifically, Equifax reports that I was XXXX and XXXX days past due during several months, including XXXX, XXXX, XXXX, and XXXX of XXXX and XXXX. However, based on my actual payment history, while there were minor delays, I was not as delinquent as reported. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX is legally obligated to report accurate information to credit reporting agencies. I have disputed these inaccuracies with Equifax multiple times, but they have failed to correct the errors, instead relying on XXXX XXXX XXXX ' verification, which I believe to be inaccurate. XXXX XXXX XXXX has not adequately reviewed the documentation I have provided, which demonstrates the inaccuracies in the late payment reporting. 

I have included my XXXX XXXX XXXX payment history as evidence of the discrepancies. I believe Equifax 's failure to correct the inaccuracies violates my rights under the FCRA, and I am seeking your assistance in ensuring this matter is resolved. 

I request that the CFPB investigate this issue and ensure that Equifax and XXXX XXXX XXXX correct the inaccurate reporting, as this ongoing error has negatively impacted my credit standing. Additionally, I seek written confirmation from both Equifax and XXXX XXXX XXXX once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 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: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2024-09-11 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: GA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 reported in 60 days to be removed.

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.

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 XXXX 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 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 2024-09-11 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: GA

Complaint narrative:
I hope this message finds you well. I am writing to express my frustration and seek immediate resolution regarding the ongoing restrictions on my account. 

My account has been restricted, and despite my efforts to provide the necessary information, I am repeatedly asked for details that I am unable to supply. Specifically : Bank Statement : I do not have a bank statement for the account ending in XXXX showing transactions since my purchase on XX/XX/XXXX. 

Prepaid Card : The card ending in XXXX is a prepaid card from XXXX, and therefore, I do not have a traditional bank statement for it. 

Unknown Card : I do not recall adding the card ending in XXXX to my account. 

Each time the review period nears its end, I am asked for the same information, which is not feasible for me to provide. This repetitive request is causing undue stress and delay, which is impacting my ability to access and manage my funds effectively. 

I urgently need access to my funds and would appreciate a more efficient resolution to this issue. Please advise on alternative ways to verify my account or provide a clear path to resolve these restrictions without further delay. 

Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have been corresponding about issues with my account that initiated with XXXX and then was transferred to their partner, SPS. I adamantly requested detailed information as to why my original payment amount with XXXX increased several XXXX dollars per month and received no answer. Subsequently, incorrect information was reported to credit agencies because of the inability to get answers. At the time, I did not know about CFPB so I am now requesting this information at a later date. This information was never provided. I have made payments every single month and promptly every single month yet XXXX and now SPS both incorrectly report information regarding my account ( XXXX held my payments to thereby claim that my account was past due rather than providing requested information given the error regarding my escrow ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 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: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the fair credit reporting act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
XX/XX/scrub>XXXXXXXX I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX XXXX XXXX XXXX Account # XXXX into my credit report without proper certification of accuracy and notification to me as mandated by FCRA section 611 ( B ). 
Despite waiting for 35 days after sending the latter, Equifax has failed to remove the reinserted account from my credit report continuing to violate FCRA regulations. 
Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX I deposited a check that was made out to my uncle for a title loan, and everything was fine till the check was put on hold. So two days ( XXXX ) before the release which is ( XXXX ) my Chase account was restricted. So I called multiple times and got the check verified with my uncle, and even got it verified with that place that gave me the check. But for some reason the name on the check is different from the XXXX XXXX loans place. The check was under XXXXXXXX XXXX XXXXXXXX, it has a verification number on the check but for some reason they cant seem to verify it, Ive given chase bank every single number I can find that will link that check to the XXXX XXXX XXXX  but yet no number pops up in their system. So now my check is in limbo I cant withdraw it or use it just because they cant verify the check with numbers I provided. And they have also given me 10 days to settle if not they will close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: MN

Complaint narrative:
I unknowingly had two missed payments for my auto loan through bridgecrest. I always make the payment on the login page and found out after my car was repossessed that they havent receieved payment since the end of XXXX. I was unaware of that and found out they tried contacting me but was with my old phone number. They never tried getting a hold of me via email or mail concerning the issue. I had gotten a new phone and number in early XXXX and got a new number. I was willing to pay off the balance owed but they wouldnt do anything about it and said I would need to pay the car off in full plus other fees. I am appalled that they didnt try contacting me via email when they have my email information regarding such a serious thing. I have now started doing some research and came to find out this company is as close to a scam as it comes. I found out that they have been charging me a {$10.00} daily interest fee since the start of the loan three years ago on top of the huge interest rate I had to agree to st the time so only about {$90.00} of my XXXX XXXX monthly payment was going towards my principal. I have been paying the car off for three years now she still owe over {$12000.00} on a car that I bought for {$16000.00}. These {$10.00} daily fees were never agreed upon when signing the loan and wish I wouldve requested a statement long ago. They dont provide statements for what youve paid and whats left on the loan. I am at a loss of words right now with all this. I bought the car through XXXX and stupidly assumed the loan companies they used were trustworthy. I was very wrong. After the reviews Ive been reading from basically XXXX percent of them, I have come to learn and realize that I was truly scammed. Its very odd to me that I received no email notifications or other form of notifications from them outside of an attempted phone call to my previous number and they now suddenly repossess my car to only send it to auction and then have me pay the difference off of what their loan is. Im very upset about this. I am very good with making my payments and have no idea what the last two didnt go through and how theyre not willing to work anything out with me. I wish I wouldve caught this way earlier and wouldve XXXX percent just refinanced. Thank you for any help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I placed a three-way call to Capital One Bank having XXXX XXXX XXXX put the call through. I lost my credentials and my phone I explained that to Capital One Bank and verified my account balance of over {$10000.00} in my savings account. I placed a lock on my savings account and credit card account. In XXXX of XXXX  I realized that XXXX XXXX XXXX transferred all my funds plus over XXXX out of XXXX XXXX XXXX XXXX account into account that she started with Capital One ending in XXXX. I notified Capital One of this and they explain to me what to do and what documentation to send in. In closed you will find some of the documentation that was sent in to Capital One Bank, I provided all the information that they requested then they kept asking for more. I even went as far as putting XXXX XXXX XXXX XXXX on my account as a POA and after completing all the paperwork they said everything was good but for security reasons they could not add him. So as of this date I still do not have access to either one of my Capital One bank accounts. I can not even request the paperwork to be sent to me to give to the local law enforcement. XXXX XXXX provided Capital One with a terminated and falsified power of attorney. Enclosed is an affidavit stating that XXXX XXXX XXXX knew that that power of attorney was terminated in XXXXXXXX XXXX XXXX Capital One failed to do their due diligence when approving this power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: Best in Funding, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute an account on my credit report that I believe contains several inaccuracies. According to my recent review, the account in question is listed with information that does not accurately reflect the current status of my account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), all information reported on my credit report must be 100 % accurate across all three major credit reporting agencies. Inaccurate information can lead to the account being either updated to reflect accurate information or removed from my report.

I have two of the same collection on my credit report as well as two different dates

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Apartment complex stated I move out after my lease was up turned my info over to a collection agency agent asked for me to send documentation they were requesting. I was not in the state at the time they said I was sent them all proof

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
DEAR XXXX : CONSUMER # XXXX /CASE # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This letter si to request the removal of a bankruptcy file from my consumer report I ma attaching copies of al records obtained from the reporting agency and the court. These documents reflect the dismissal of the bankruptcy on question. As you wil see the bankruptcy was ni fact filed and later dismissed because Inever follow up with the process. Ihave been asking for this record to be removed from my credit report for quite some time, but al efforts have been unsuccessful. 
I thank you for your time and consideration. If you have any questions, please do not hesitate on calling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: CA

Complaint narrative:
The credit agencies are allowing XXXX to report partial information. The balance is missing. Balance is XXXX. Please fix or remove.

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