vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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:
[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, Zip Code ] Re : Letter to remove inaccurate credit information To whom it may concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXXXXXX Account Number : XXXX Please investigate. Ive never made a late payment on this account, please correct. 

3. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report 6. Validate Account XXXX XXXX Date of inquiry : XX/XX/year> Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter. 

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently reviewed my credit file and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year>. I'm now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year>

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 2025-01-04 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:
According to 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies such as XXXX data breach which personal information was exposed & consumers was not afforded the rights given by FCRA act

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I recently received a copy of my credit report and noticed accounts on my credit file that are not accurate, nor do i recognize them. These inaccurate accounts are hurting my ability to obtain credit. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I did not consent, nor benefit from, nor authorize the following account ; Nelnet- {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/year> our XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX. My family was XXXX XXXX XXXX XXXX XXXX XXXX 
I am in the process of rebuilding my house. I have a signed contract for the new house build, engineering plans and deposits for everything that CHASE ( mortgage company ) needs. I have provided every document to prove that I am rebuilding a house. I need funds released so that I can continue to pay the building contractors. CHASE will not release any funds whatsoever. I have exhausted all my options with CHASE and escalated this matter. CHASE is legally responsible to release funds but simply will not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Progrexion Holdings, Inc.
State: CA

Complaint narrative:
Subject : Data Breach Exposure of Personal Credit Information To Whom It May Concern, I am writing to file a formal complaint regarding a data breach that has resulted in the exposure of my personal credit information. The breach occurred on [ Insert date of breach, if known ], and I have reason to believe that my credit data, including sensitive financial information such as my credit score, account numbers, and other identifying details, was accessed without my consent.

I was notified about the breach by [ Insert the name of the company or entity responsible for the breach, if known ] on [ XXXX 2013 ], and I am deeply concerned about the potential risks to my financial security and privacy. As a result, I have taken several steps to mitigate potential harm, including, such as freezing your credit, notifying the credit bureaus, monitoring your credit reports, etc.

However, I am requesting that the CFPB look into this breach and investigate the responsible party to ensure accountability and prevent further exposure of my sensitive information. I am also requesting guidance on any further actions I should take to protect my credit and financial security.

If additional documentation or information is required to process this complaint, please let me know how I can assist. Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MA

Complaint narrative:
On XX/XX/year> I transferred {$200.00} to Robinhood. I purchased XXXX and then sent this off to another investment platform. This worked well, so I transferred another {$800.00} and attempted to do the same thing. Robinhood locked my account down and will not let me have my money back. In the meantime, I have no lost money while trying to sort this out. There is approximately {$720.00} in my account. I lost almost {$75.00} because they wouldn't allow me to transfer my money anywhere. I was willing to cut my losses and move on from this company, but they are now holding my money hostage. They tried calling me, putting me on hold for nearly an hour before I hung up. They asked for my bank statement and I immediately sent that to them. They called again, this time connecting me to a rep after 20 minutes. The rep was in a very loud call center and I could barely hear her. They were reading from a script, but the questions they were asking seemed like they were treating me like a criminal. They still wouldn't unlock my account. They tried calling again, leaving me on hold for an hour. My time is more valuable than that! I will not answer again if they don't have a rep immediately available to talk to me. They have since asked for a copy of my license as well as selfies. They have those now. There is nothing else they could possibly need to ask me before releasing my funds. I have proven this was real money that came from my bank account. Again- it was only {$1000.00} I sent to Robinhood to use for investing. There was nothing fishy going on and I filed no complaints. They immediately locked my account the first day I used it and now they will not give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me XXXX  for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.

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 2025-01-04 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: CA

Complaint narrative:
There are still things on my report that are not mine, Please remove these things from my report, they are fraudulent accounts and should not be on my credit.

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 2025-01-04 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: FL

Complaint narrative:
On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX # XXXX, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,,, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In 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 or 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 results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2025-01-04 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: FL

Complaint narrative:
On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to,,, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In 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 or 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 results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Trans Union really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case

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 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I signed up for a new Truist checking account using code XXXX to register as a part of their new personal checking customer offer, which has the following qualifications : Open Truist XXXX Checking Online. Earn {$400.00} with qualifying activities. 

XXXX. As a new personal checking customer, open a new Truist XXXX Checking account online from XX/XX/XXXX through XX/XX/XXXX using promo code XXXX You must open the account online and enter the promo code to be eligible to participate in the promotion. 

XXXX. Receive at least XXXX qualifying XXXX XXXX totaling {$1000.00} or more within 120 days of account opening. 

XXXX. The reward will be deposited to the new checking account within XXXX weeks after the qualification requirements have been met and verified. Truist verification will occur XXXX time after the qualification requirements are initially met. The new checking account must be open and in good standing with a balance of at least {$0.00} at the time of Truist verification and until the reward is deposited to receive the reward. 

On XX/XX/XXXX & XX/XX/XXXX there were ( XXXX ) Direct Deposits made, {$1000.00} each. 
On XX/XX/XXXX & XX/XX/XXXX there were ( XXXX ) Direct Deposits made, {$1000.00} each. 
On XX/XX/XXXX there was ( XXXX ) XXXX XXXX made of {$1000.00}. 

Per their sign-up instructions, all qualifications have been reached, but as to date XX/XX/XXXX, the {$400.00} has not been deposited in my account.

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 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Requesting that Complaint # XXXX be reopened. Just closing a complaint is not protecting the consumer. There has been no resolution or consequences for bank to : 1, Refusing to close a credit card account when fraudulent activity continued to exist from companies named XXXX and XXXX XXXX. 

2. No penalty for 5/3 Bank having XXXX police threaten to arrest me for requesting access to my funds. 

3. No penalty for 5/3 secretly transferring my funds to someone else 's account.

Why are banks allowed to do whatever they want with no penalty of any sort. They did not even acknowledge a problem. 

Why does this agency exist if this agency is protecting the banks against consumers? I have everything documented for this 6 month period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: TN

Complaint narrative:
I opened up an account via this referral link in XXXX and I never received my savings bonus, in addition, while UFB is allowed to change their variable APY they are not notifying me the consumer which is a predatory practice. I'm in the process of closing my account and I expect my {$100.00} to be paid out as I met the obligations of the savings bonus. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Beginning in XXXX or XXXX, I began receiving debt collection calls from LVNV Funding ( Resurgent Capital ) for old XXXX  XXXX debt. There were several debt collectors involved, a couple accounts. One of them I was paying on. There was a collection agency that told me I could resolve the balance for a lower monthly payment, while at the same time Resurgent refused to honor that. 

There was a complaint here regarding this, and once they found out that my only income was social security income, they closed both accounts, including the one I was paying on. They responded that they would do this in the previous CFPB complaint. 

In XXXX, they forwarded one of these accounts to their attorney to try and start a lawsuit. This attorney is XXXX XXXX XXXXXXXX XXXX  and sent me a collection letter, Reference XXXX In other words, they are trying to sue in the amount of {$680.00} when they told me and you, the CFPB that they would cease collection.

Company response to consumer: Closed with non-monetary relief