vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
My information was exposed during a data breach. These accounts and inquiries are fraudulent. Please delete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: CA

Complaint narrative:
XXXX XXXX - - Credit card XX/XX/XXXX Closed Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Balance {$1100.00} Status Status updated Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit Card XX/XX/XXXX Closed Account charged off. {$4400.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$40000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$26000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX - - Home Imp Loan XX/XX/XXXX Closed Account charged off. {$20000.00} written off. {$20000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX - - Unsecured XX/XX/XXXX Closed Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Line of Credit XXXX XXXX, XXXX Closed Account charged off. {$7300.00} written off. Status updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$9300.00} written off. {$9300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX EXPERIAN XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Bureaus po box XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non speci, c XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX EXPERIAN XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Credit Bureaus XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non speci, XXXX XXXX XXXX XXXXXXXX XXXX, NM 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 2024-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: AL

Complaint narrative:
XX/XX/year> Amount {$5000.00} Made payment arrangements. Finances shifted. Tried to setup more payment arrangements and company closed the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: MI

Complaint narrative:
my account was restricted and closed for no reason after i withdrew a bit of money to my dads bank account. i sent in all requested documents and they still closed my account, they refuse to let me withdraw, and its impossible to contact support. it has been weeks and all my money is stuck and locked i cant pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 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. 

XXXX XXXXXXXX XXXX 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 1002 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
Received and reviewed my credit report and noticed that I never received a 1099c as requested for a charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX {$3700.00} I request in the past that you update my information on this account with accuracy, as of today you have not done so, it's been over 90 days and still no resolution on this account. The payment history of XXXX is not correct you have dates late where I was current such as XX/XX/XXXX, and you have no payment history for XXXX, you have not provided any proof that information you provided is correct other than the data furnisher with is not actual proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( s ) from my report, immediately : Account 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 2024-12-10 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this to report a fraudulent account appearing on my consumer FICO TransUnion credit report, which I do not recognize and which is the result of identity theft and fraud. This account, consisting of an auto loan opened at XXXX on XX/XX/XXXX under account number XXXX, has resulted in several fraudulent hard inquiries and collections. The fraudulent hard inquiries include XX/XX/XXXX : XXXX XXXX, XX/XX/XXXX : XXXX, and XX/XX/XXXX : XXXX. Additionally, the fraudulent collections and related information appearing on my credit report include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. I demand that these fraudulent items be immediately removed from all my consumer credit reports and that all collection activity related to these items cease, pursuant to my rights under the Fair Credit Reporting Act FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: MA

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX ) Consumer Social Security Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), Consumer Date of Birth : ( Private XXXX XXXX ), Content of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of an Auto loan account Credit Card Accounts and several inquiries. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I have attached a list of the hard inquiries in question as well as a copy of the FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, and hard inquiries appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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 U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Hello I have been trying to get Avant to correct my address for XXXX weeks without anyone doing anything, i have called so many times emailed sent police case number indentity theft report and still nothing is done. Avvant allowed someone to change my address they keepsending replacement cards to the XXXX address and now i have alot of XXXX going on with my reports please see some of the emails I have sent below I am contacting you because my address was changed fraudulently on card XXXX as well as other card numbers that I had to call and get them to cancel they have even reset different cards to the fraudulent address in XXXX. My address is XXXX XXXX XXXX XXXX Texas XXXX which I have lived here for 11 years. 
that is on my personal information still today as I write this on the Avant portal I have been dealing with this since XXXX XXXX please see the email threads and attachments in this email along with case number from Police department, Identify theft report, picture of my ID. 
I can not get anyone to correct this situation. I have called many times as well as emailing and nothing is being done. Due to the lack of checking my information before XXXX of your reps did this, I have now had issues with other credit cards and all three credit reporting agencies have the fraudulent address on my reports BECAUSE XXXX OF YOUR REPS JUST CHANGED MY ADDRESS WITH OUT REACHIG OUT TO ME!!! 

XXXX day I called again XX/XX/year> and spoke with a XXXX who created a complaint report # XXXX she then hung up on me so I called back and spoke with the lost stolen cards and spoke with a XXXX which cancelled the card ending in XXXX. She also made a complaint as well to her XXXX. 
I need my account to be correct immediately my address XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Please call me at the following number XXXX ext. XXXX this is my work number Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: FIRST ADVANTAGE CORPORATION
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX and I am a Louisiana resident with a Louisiana commercial drivers license # XXXX. In the month of XX/XX/year> I received a notice from the Louisiana Department of Revenue that I had unfiled state taxes that required immediate completion and if not filed within 60 days of the notice my drivers license would be classified as pending suspension. Having already began the process of working with the revenue department months earlier and disputing their claim I hired a professional tax service and resolved this matter successfully within the time period required. However due to the pending threat of a possible pending license suspension First Advantage the Background and Screening ServiceXXXX XXXXXXXX Georgia which updates and monitors employment records for my employer incorrectly flagged my drivers license as having been suspended. This was and is an incorrect disposition regarding my drivers license as the tax requirement clearly stated pending suspension if I did not comply with the tax filing, which I immediately corrected. 

When I receive notice by First Advantage Background Screening Service that they were reporting a suspended license regarding my license in their records I called them and filed two complaints regarding their error, including submission of my drivers license which has never been suspended and remains active to this date. 

However, due to a poor customer service operation and operating phone system I have not received a reply from First Advantage Background Screening Service by phone call or correspondence if they have corrected their records. 

Therefore, I am respectfully requesting your assistance with this matter as First Advantage Background Screening Service error negatively and incorrectly effects my employment and consumer records and consumer rights. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: CT

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts 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 2024-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/year>, we used Wise to transfer XXXX AUD to a personal bank account at the XXXXXXXX XXXX XXXX XXXXXXXX. According to Wise, the transfer was processed and left their system successfully. However, after repeated checks with the recipient and the XXXXXXXX XXXX it has been confirmed that the funds were never received. 

In response to our queries, we provided Wise with the recipient 's bank statement as proof that the funds were not deposited into the intended account. Despite this evidence, Wise informed us that the matter could take months to resolve, offering no assurance or clarity regarding the whereabouts of the funds. 

It is troubling to learn that this issue is not isolated. Upon further investigation, we discovered numerous complaints online from other Wise customers reporting similar experiences of disappearing transfers. Despite these concerns, Wise has failed to provide a definitive response regarding the security of our funds or any guarantee of reimbursement. 

We urge the CFPB to investigate this matter thoroughly, as it raises significant concerns about Wise 's accountability, transparency, and consumer protection standards. Furthermore, we seek assistance in recovering the XXXX AUD transferred, ensuring this does not occur to other consumers.

Company response to consumer: Closed with explanation