vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: SC

Complaint narrative:
I have received a notification that my dispute with XXXX will not be resolved possibly until 60 days! Please show me where that is timely, because it is not! In previous reports filed you can clearly see that XXXXXXXX XXXX is stating they are trying to collect a debt from me but is reporting it as charged off on my consumer report. Excuse me but it can not be both. You are either trying to collect a debt or charge off a debt. One of two things are happening, either lies are being told directly to my face or lies are being reported on my consumer report?? I am asking for fair credit reporting and not information that is misleading in plain view. This is all a violation of my rights per FCRA, 611 ( 15 U.S.C. 1681i ). Section 623 ( b ) of the FCRA says you must notify the provider of my dispute, and if any items are inaccurate, misleading, outdated, incomplete, can not be verified or validated is unfair reporting. I kindly ask that you remove this item from my consumer 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 2024-10-23 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking young verify as accurate 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 2024-10-23 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking young verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
To Whom It May Concern, I am submitting this formal dispute regarding charge-off accounts on my credit report, and I am demanding their immediate and permanent deletion. While these items may have been verified, I assert that they are inaccurate, incomplete, and were reported without proper permissible purpose. A correction of these items is insufficientthey must be deleted.

1. Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy As outlined under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information reported. The verification of these charge-offs is based on incomplete or inaccurate data, and I demand that these items be deleted immediately. 

2. Violation of 15 U.S.C. 1681b Permissible Purpose for Accessing My Credit Report The creditor must prove that they had a permissible purpose under 15 U.S.C. 1681b to access and report these charge-offs on my credit report. If no such proof is provided, the reporting of these items is unlawful, and they must be deleted.

3. Violation of 15 U.S.C. 1681i ( a ) Under 15 U.S.C. 1681i ( a ) ( 5 ), any disputed information that can not be fully verified must be deleted. Despite the so-called verification from one CRA, sufficient documentation has not been provided to prove the accuracy and completeness of these charge-offs. As a result, these items must be removed from my report.

4. Violation of 15 U.S.C. 1681n Civil Liability for Willful Noncompliance If these charge-offs are not deleted and you fail to act within the statutory period, I will pursue legal action under 15 U.S.C. 1681n for willful noncompliance. I will seek statutory damages, punitive damages, and attorneys fees for your failure to meet your legal obligations.

5. Violation of 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Even if the noncompliance is found to be negligent rather than willful, you can still be held liable for damages under 15 U.S.C. 1681o. Any failure to conduct a proper investigation or correct the inaccuracies constitutes negligence under the FCRA.

I am not requesting a mere correction ; I am demanding the immediate deletion of these charge-off entries from my credit report. Failure to comply within the statutory 30-day period, as required by 15 U.S.C. 1681i, will result in formal legal action under the FCRA. Please confirm the deletion. 

Sincerely, 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 2024-10-23 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: VA

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: OH

Complaint narrative:
Ive reviewed my credit report and found several billing mistakes. These late payments dont align with my usual payment history. Please correct and update all discrepancies in my account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NV

Complaint narrative:
These are fraudulent inquiries that were done without my knowledge. I believe my report was accessed without my consent and I feel violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Subject : Request for Reporting Loan Transactions in Compliance with Metro 2 Format for Consumer Report of XXXX XXXX Dear XXXX Team, I am writing to formally request the inclusion of loan transaction data on the consumer report for XXXX XXXX, whose details are listed below. The loan in question is being reported in compliance with Metro 2 formatting standards and aligns with your policies for reporting closed-end, unsecured loans with collateral. Please ensure that this data is correctly reflected in the consumer 's credit file.

Borrower Details : Full Name : XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( if applicable ) : XXXX Loan Details : Account Number : XXXX Loan Amount : {$10000.00} Interest Rate : 0 % Loan Type : Closed-End, Installment Loan Payment Schedule : Three monthly installments of {$3300.00} First Payment Date : XX/XX/XXXX Loan Status : Active as of XX/XX/XXXX ( Partial Release of Collateral ) Collateral Information : XXXX XXXX XXXX XXXX, Serial No. : XXXX XXXX XXXX XXXX Smart TV, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX, License Plate : XXXX Payment History : First Payment Date : XX/XX/XXXX - {$3300.00} ( Cash ) Status : Paid in Full, resulting in partial release of XXXX XXXX XXXX XXXX as collateral. 



Please report the loan status and payment history in accordance with Metro 2 guidelines using the following parameters : 1. Account Status Code ( 17 ) : Open, performing 2. Payment Rating ( 19 ) : 0 ( Current ) 3. Special Comment Code ( 26 ) : Loan secured by collateral 4. Account Type ( 17A ) : 01 ( Installment Loan ) 5. Payment History Profile ( DLA Segment ) : Reflect current, timely payments.

6. Date of First Delinquency ( DOFD, if applicable ) : N/A, account is current.

This data reflects accurate reporting for XXXX XXXX and is based on documented loan agreements, security interests, and payment records already filed with the State of California ( XXXX XXXX XXXX ). Please update the credit file for XXXX XXXX accordingly. 

Thank you for your attention to this matter. Please confirm once the data has been added to the consumer report, and feel free to reach out if any further documentation is needed to facilitate this request.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: MD

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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: MD

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am XXXX XXXX, XXXX serving at XXXX XXXX, NC contacting you regarding a huge issue regarding my Navy Federal account. XX/XX/year> I was a victim of Account Fraud. I have exhausted all my options to prove my innocence since XXXX last year. I am not the only victim of this occurrence there are 5 others in the same city. I have tried going the very formal way of trying to go through the fraud department but continuously get the same answer of " You are at fault ''. Even my detective is very confused about how I am at fault when since Day 1 I have done all I can to prove my innocence. I have tried contacting the security department and was answered with a complete attitude from an individual by the name of XXXX. Two months ago I contacted Navy Federal again and was told in the notes regarding my case " I am in cooperation with them and I own the XXXX XXXX that the money was sent to '' which is also false. My car loan is serviced by Navy Federal and I have been a good customer this has caused me huge financial stress. I am going through a divorce on top of all of this. I am even more stressed considering this amount is now in collections with no resolution other than putting me at fault. I was also told I gave all my information out which is also false. All the attachments are supporting documents of my issue. I hope you have a great day and I am hoping to hear from you. You can call me at XXXX. Thank You!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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 regarding unauthorized accounts on my consumer report that are linked to identity theft. These accounts were added without my written authorization or wet signature. Despite my previous communication with your organization, these fraudulent items remain on my report.

The continued presence of these unauthorized accounts has caused me significant emotional and financial distress. These items inaccurately represent my credit history and have severely impacted my ability to achieve critical financial goals, including purchasing a home and meeting my family 's financial needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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.

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 2024-10-23 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:
Greetings, I have been a Robinhood user for the past 3 to 5 years. I initially started using Robinhood during the crypto surge in XXXX and became an avid crypto enthusiast. Over the years, I have used various crypto wallets, including XXXX and XXXX. Recently, Ive been using Robinhood more frequently due to its user-friendly interface. 

On XX/XX/XXXX 2024, I transferred over {$4000.00} worth of Bitcoin from my XXXX wallet to my Robinhood portfolio. During the transaction, I received an email from Robinhood stating that my account had been restricted due to suspicious activity, and I was instructed to call for verification. I immediately called and was on hold for about 45 minutes before speaking to a helpful representative, whose name I cant recall. We spent about an hour on the phone verifying transactions, uploading bank statements, and IDs. She explained that the account was flagged because I logged in using two different devices. I assured her that I had installed the app on both my work phone and personal phone, and there was no suspicious activity.

I expected this to be resolved quickly, but she informed me that it could take 2 to 3 business days for the review to be completed. I also let her know about the pending transaction coming into my Robinhood wallet, and she stated that although I wouldnt be able to withdraw the funds during the review, I could still transfer the funds to a different wallet once they arrived.

When the funds came through a few hours later, I received another email advising me to contact support to initiate a transfer to a different wallet. I did so immediately, but for the past three days, Ive been told I can not access my funds until the account restriction is lifted. This contradicts the email, which clearly stated I could initiate a transfer to another wallet to avoid losing out on funds.

I sincerely hope this message reaches someone who can assist me, as my experience with Robinhood over the past few days has been extremely frustrating. Please reach out to me at your earliest convenience.Thank you for taking the time to read my messageI look forward to hearing from someone soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX and XXXX of 2024 XXXX XXXX of 2024 i sent a letter i filed a dispute and made many phone calls to all three xompanys

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks 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 explanation