vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquiry and close accounts and collections are not mines theses companies needs to start let others ppls use there names to put things in peoples names because of they desperate for money so I needs all of this to be removed and disputed off my report immediately Under all XXXX credit bureau from XXXX to XXXX to Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: GA

Complaint narrative:
Inquiry and close accounts and collections are not mines theses companies needs to start let others ppls use there names to put things in peoples names because of they desperate for money so I needs all of this to be removed and disputed off my report immediately Under all 3 credit bureau from XXXX  to Experian to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: MD

Complaint narrative:
XXXX reported my account with XXXX XXXX as closed then opened the account back up on my report without my consent and I opted out of XXXX XXXX  reporting my personal information and they are still proceeding to share my personal information violation under the privacy act of 1974 and a violation to the FCRA unfair and inaccurate reporting please make sure the company does an investigation thoroughly to acknowledge my claim I hereby claim that the foregoing statements are true an correct under the penalty of perjury

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: MD

Complaint narrative:
XXXX reported my account with XXXX XXXX as closed then opened the account back up on my report without my consent and I opted out of XXXX XXXX  reporting my personal information and they are still proceeding to share my personal information violation under the privacy act of 1974 and a violation to the FCRA unfair and inaccurate reporting please make sure the company does an investigation thoroughly to acknowledge my claim I hereby claim that the foregoing statements are true an correct under the penalty of perjury

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX I set up a password for a prepaid Visa debit card that I purchased at XXXX XXXX on XX/XX/XXXX on the XXXX website, XXXX The card had a value of {$500.00}. Within minutes of entering the card information and setting up the password, I discovered that {$500.00} had been fraudulently charged. At the same day XXXXXXXX XXXX I immediately called their customer service, provided them with my card number, and informed them about the fraudulent activity shortly after setting up the password. They informed me that they could only hold the {$500.00} and could not refuse the transaction. I requested them to decline the transaction and send me a new card, but they refused and insisted on holding the transaction. I find this very concerning as I am the cardholder, and my card was fraudulently charged very shortly after setting up the password. I also contacted their customer service within minutes of discovering the fraud. Why couldn't customer service refuse this transaction and refund me the {$500.00}? This company 's product is extremely insecure and offers no protection to cardholders. 
After my first call to their company, their customer service informed me that they could hold the fraudulent transaction. Then, I XXXX about incidents of card fraud involving this company and found that many people had been scammed. So, I made a second call, and the customer service representative who answered said : This fraudulent transaction has already been completed, which is completely fraudulent! Even when using a gift card on any website, payments usually take at least two days to process. How could it be completed in less than two hours? Moreover, I immediately called customer service within minutes of discovering the fraud to request the transaction be refused. 

I asked customer service why I wasn't provided with a tracking number so I could track the progress of the fraudulent activity. They said they didn't have one. After they hung up, I tried to log in to the company 's website again with my card number, but I couldn't log in anymore. 

I have the original purchase receipt and the shopping card as evidence. Initially, I am only sending a picture of the shopping card. If further images of the card number on the shopping card and the receipt are required, I can provide them immediately. I hope XXXX can resolve this fraudulent incident as soon as possible. Thank you. 

I requested the company to promptly mail me a {$500.00} check, as I am deeply disappointed with the security of their card. I can provide all original shopping receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The following account remains on my Experian credit report after I requested the Description of the procedures used that led to the account being verified. I also requested the name of the person that Experian spoke to along with their Telephone number and address that by law I should have received in 15 days. 

I received NOTHING that even remotely resembles what is required under this law and I understand I could go to court and sue for monetary compensation. 

I submitted my dispute and my request in advance if any account was verified via CFPB # XXXX on XX/XX/XXXX and Experian acknowledged receipt on XXXXXX/XX/XXXX and in VIOLATION of FCRA 611 they contacted me more than 35 days later on XX/XX/XXXX which is another FCRA violation as they exceeded the 35 day timeframe required by law.

I disputed 6 accounts because my privacy rights were being violated in accordance with FCRA 602 which states I have a right to privacy, and FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions along with The Gramm Leach Blilley Act Section 6802. 

XXXX # XXXX is the account that remains of the 6 that I disputed and I want this account deleted immediately or I will eventually have to SUE for all the aforementioned violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
Account is showing up as owing money on an account that was reported lost/stolen No charges should be on any credit report when the card was reported lost/stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
Account is showing up as owing money on an account that was reported lost/stolen No charges should be on any credit report when the card was reported lost/stolen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient is reporting that XXXX of my private loans were late when they were supposed to be deferred. The rest of my private loans are not reported late and they were due to error with Navient or whoever they call themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, I tried withdrawing my remaining funds after Robinhood sold all my assets without my authorization and restricted my account. I have a reason I believe why and both called and emailed them multiple times with this information including my bank account statements to verify my account but they never did anything with this information why? Everything they need I provided to them and they choose to ignore me after sending me the same emails requesting for the same information?

Reason why I believe my account was restricted : Account is under my fathers name/documents. I put my bank account information in there to manage his account and after some time I mistakenly submitted my own ID to get access to a trading option. Shortly after this my account got restricted ( fair enough ). I managed to withdraw little less than half my funds AFTER they sold my assets ON A LOSS and then they didnt give me access to the remaining ones. I am frustrated by how they are handling this because of all the proof and information I provided. with some research it looks like Im not the only one with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus ( XX/XX/2024 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus ( XX/XX/2024 ), but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WA

Complaint narrative:
Hi Sir / XXXX, XXXX XXXX - Mohela Account Number - XXXX Above loan before handled by XXXX XXXX. But after pandemic this loan transfer to MOHELA. This loan is fixed interest. 
Before transfer to MOHELA, i had fixed interest rate and monthly premium was XXXX XXXXXXXX premium I been paid since XXXX to till freeze premium. But after fed loan serving transferred my loan to MOHELA. 
MOHELA first month increased my monthly premium up to {$160.00}. Then after second month increased {$200.00}. 
I wasn't changed term of the loan or any condition. But MOHELA unlawfully charging {$66.00}. 
Note -Here sending with XXXX my checking statement, you can see XXXX XXXX how much take from my checking account, and currently how much charging on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM WRITING TO UPDATE/CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 
PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE UPDATE MY NAME TO : XXXX XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XXXX XXXX MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. 


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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: WA

Complaint narrative:
I opened a US bank account a few months back. US Bank 's tech team believes there have been some fraudulent transactions and closed the account and deactivated online banking without any communication or my consent ( I have not made any fraudulent transactions ). It took me numerous calls, multiple visits to the bank for 2-3 months to get our hard-earned money that was blocked in the US Bank account. I recently opened a US Bank credit card. They approved it, but once I received the card, I realized that I am unable to login to my online banking ( as they previously deactivated it ) or create new login credentials. I called their tech support and they are saying that I should get access to online banking, but they are unable to resolve the issue and give me internet banking access. Now I am left with a credit card without access to Internet banking and it is becoming difficult to maintain the card. Appreciate your help in getting my online banking access. It would have been fine if they would not have approved my credit card in the first place. But approving it, hitting my credit report and not giving me online banking is not fair. 

I raised this complaint of CFPB already and the bank responded saying that they released hold on the online banking. However, i still see the same issue while logging in. Attaching the screenshot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: TN

Complaint narrative:
I have Major Inaccurate information on all 3 versions of my Credit/Consumer Report from the Top 3 Reporting Agencies/Bureau's/Companies who took the assumption that my information is accurate and in all Truth, all of them have Conflicting information from their assumption leaving me with legions of inquiries hard and soft.Conflicting starting dates on many Instances that has left me without on numerous occasions that I was stereotyped by false and poorly placed derogatory and inaccurate items on my Report depriving me of things I could have easily obtained rather housing, job placement, small business loans, low or any interest loans that people with good credit receive with minimal effort.I included a few vital instances that for sure disqualified me for the simple fact that all 3 per se providers who's top priority is accurate Credit reporting is one of a kind.I beg to differ.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: TX

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM WRITING TO UPDATE/CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 
PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE UPDATE MY NAME TO : XXXX XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XXXX XXXX MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. 


SINCERELY, XXXX XXXX

Company response to consumer: Closed with non-monetary relief