vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-31 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

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 2024-08-31 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
i received an email from robinhood saying that all of my subscriptions had been canceled and my account had been closed and refused to provide further information. i was able to transfer my brokerage funds out of my robinhood account but not my IRA funds. now i am unable to sign into my account and transfer the rest of my money. when i try to login on either the app or website it says i am using an invalid account. robinhood support has not responded to my email. i received the original email notification about my account cancelation on XX/XX/XXXX and i am allowed 30 days to withdraw all funds from robinhood

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I availed a 0 % APR CREDIT CARD, The promotion was eligible till XX/XX/XXXX and my payment due for every month is XXXX, Hence I paid minimum amount till ( XXXX Which is the due date for XX/XX/XXXX statement ) as agreed to XXXX XXXX XXXX In next statement ( I noticed a fee of {$85.00} on XX/XX/XXXX statement since I have not paid full payment which is not legitimate and somehow I missed to Check the complete statement. And I see another fee of {$48.00} charge in XX/XX/XXXX statements though I paid full amount, When I contacted customer service first time the person said we are submitting this charges for review and I will get refund since I paid all payments on time, two days passed and I got declined email, Then I contacted back to customer service and the lady was rude and she is not listening to my concern or request she keeps saying that I didnt paid the balance hence they have charged me the interest and the amount they have mentioned is completely irrelevant. Hence I am tiered of this banking scam and wanted to appeal for the justice on this amount. This is not a huge money but this the money I earned with lot of struggles and stress. Thank 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 explanation
Consumer complaint received 2024-09-03 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: GA

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 XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 explanation
Consumer complaint received 2024-08-31 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:
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. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account # - 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 explanation
Consumer complaint received 2024-09-01 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: CA

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXXXX/XX/XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-31 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: NC

Complaint narrative:
On XXXX XXXX XXXX a ID theft report was filed to the Federal Trade Commission in regards to Unauthorized Inquires, Charge-offs, and Creditors on XXXX, Transunion, and XXXX  credit reports. FTC report number is XXXX. Please remove all inquiries, charge offs, and creditors listed below. I did not authorize any of the following information. 
.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 2024-08-31 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: NC

Complaint narrative:
On XXXX XXXX XXXX a ID theft report was filed to the Federal Trade Commission in regards to Unauthorized Inquires, Charge-offs, and Creditors on XXXX, XXXX, and Equifax credit reports. FTC report number is XXXX. Please remove all inquiries, charge offs, and creditors listed below. I did not authorize any of the following information. 
.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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater, American express accounting ending in XXXX and American express bloomidales\citi bank car ending in XXXX and any other American express account that is in XXXX XXXX name whom this living man XXXX : XXXX who is a secured party credit don't own anyone any debt and dont have to share my private information due t the privacy act 1974 and age of majority of all my accounts. delete all late payments off all my credit accounts 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. American Express corporation has violated the FDCA as outlined in XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ( XXXX XXXX. XXXX ) which states a consumer report is a medium of communication and thus subject to cease and desist i have requested proof that this information was mailed certified information requested in good faith pursuant to rule 1002 and it was never provided this is unfair, illegal, fraudulent and not equitable to me he consumer

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 2024-08-31 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: WA

Complaint narrative:
I have never had any Department of Education loans for XXXX There were originally two of these student loans from the department of education in the amount of, at that time when I learned about it like two years ago in the amount of {$5000.00} each. One account was showing that there's never been a payment made. The other account was showing payments were made then stopped made stopped. I contacted the Department of Education and they eventually removed one of those loans. I've kept disputing the second one and they refused to remove it off my report. I received a letter from the Department of Education. Stating my ssn does not come up in their system.Verifying that it is not my account. This has been creating a great hardship for me because I am unable to get credit housing due to the negative impact it has had and my credit score And worthiness. I have checked my report several times over the years.These are dating back to 2015, I would also like to know why i've never seen them prior to just 2 years ago? I would also like a lawsuit started in regards to this because they've simply ignored every request i've made and the bureau has come back stating they've investigated it when, in fact, they clearly have not.

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 2024-08-31 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: FL

Complaint narrative:
Please see attached complaint. Experian did not address the matter. This issue has not been resolved. I have not received up to {$1000.00} for Experians failure to comply with the FCRA. No correction has been made to my credit file nor has the name of the company Experian uses for 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 2024-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
On XXXX XXXX we e-paid our mortgage to Freedom Mortgage for the full amount {$1900.00}. On XXXX XXXX we received a payment returned notice from Freedom Mortgage, they stated there were insufficient funds. 

This was not true and I copied my checking account statement from my bank from the dates they claimed to have presented the check for payment, which was XXXX XXXX. I sent the copies to them by their emial system. I also called my bank to see if the problem was their end. My bank said they never received any call or claim for these funds from Freedom Mortgage from their epayment system. The Freedom Mortgage system just did not register my payment and then they marked us 30 days late. I sent this bank statement to them to ask them to correct this mistake. They wrote back by email that there was no mistake and that there were not sufficient funds and did not correct their 30 day late status. They also attached the detailed spreadsheets showing we paid late in XXXX and this is their proof that we paid late. We did not pay late, their e-system was broken. 


I also have disputed this mistake to credit bureaus XXXX and XXXX who did not update our account after I disputed it. This mistake is due to a technical glitch on the part of Freedom Mortgage, who has insisted they are right when I have proven with my bank statements this is not correct. 

Would this office be able to help?

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 2024-08-31 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

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 2024-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear Portfolio Recovery Associates/ XXXX XXXX  Sir/Madam, I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter. 
XXXX. Legal basis for the collection of this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. Complete account history, inclusive of all collection-related charges. 
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: IL

Complaint narrative:
Credit Karma. Not sure if I am in the right section to complain. I have been using Credit Karma for a cpl yrs now. After hearing about the settlement about misleading approval odds I thought they stopped that practice. But they are still doing it. I have been working really hard on my credit for the past few months, and finally started seeing " outstanding '' approval odds on some unsecured credit card offers on credit karma. I decided to apply for one today, thinking the extra credit and not using it would help more score even more. With outstanding approval chances and hearing about the settlement a few months ago, I was mis-led thinking I would for sure get approved. I was denied and now many credit score dropped points again. I am so disappointed and deflated that this happened due to their mis-leading information and wanted to complain and report them. Please contact me for further info to report them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-31 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: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern, Subject : Inaccurate Credit Reporting Request for Immediate Deletion ( 15 USC 1681s-2 ) I am writing to formally notify you of an ongoing issue regarding inaccurate information reported by your company to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ). As a furnisher of credit information, it is your legal responsibility to ensure the accuracy and integrity of the data provided. 
The specific account in question is as follows : Account Name : [ XXXX ] Account Number : [ XXXX Current Reported Balance : [ {$1700.00} ] It is my understanding that this debt was charged off by your company, and I have reason to believe that a Form 1099-C was issued, which memorializes the cancellation of this debt. According to IRS guidelines, a debt cancellation through a Form 1099-C should no longer reflect as a balance on my consumer credit report. The continued reporting of this balance is therefore inaccurate and misleading. 
This inaccuracy constitutes a clear violation of the FCRA, as you are required to report only truthful and accurate information. With full knowledge of this error, you are obligated to correct it immediately. 
To rectify this matter, I request that you provide me with the following : 2. A return of the time and form prescribed by regulation or the Secretary, including : o My name o My address o My Tax Identification Number ( TIN ) o The date and amount of the discharged/charged-off debt o Any other relevant information as required by the Secretary If you are unable to provide the requested documentation and proof, I demand that this account be removed from my credit report in its entirety. Failure to comply with this request may result in legal action, as I will not hesitate to engage retained counsel to protect my rights under the FCRA. 
Please respond promptly and confirm the actions taken to correct this issue. All correspondence related to this matter should be sent to the address listed above. 
Thank you for your immediate attention to this matter. I look forward to your prompt and favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation