vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/XXXX Citi issues denial letter for cc based on XXXX XXXX report showing bankruptcy. 
XX/XX/XXXX XXXX XXXX report shows NO bankruptcy. 
XX/XX/XXXX XXXX found file where Citi attempted this same tactic of claiming a bankruptcy where none existed in XXXX Letters to Citi XXXX for copy of the XXXX report they relied on were ignored. XX/XX/XXXX XXXX filed CFPB complaint ( case # XXXX ) against Citi. CFPB closed case without resolution. 

This is now twice that Citi has provided false information to deny credit to an otherwise creditworthy 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 explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: PA

Complaint narrative:
Starting in XXXX, my due date listed in XXXX months ahead of my actual due date. So the email about my bill for XXXX had a due date of XX/XX/XXXX. Now the loan has increased ( I understand that part ), but it says it is due XX/XX/XXXX. So is the new payment going to be processed this month ( XX/XX/XXXX ) or XX/XX/XXXX? 

I have emailed the company XXXX Edfinancial Services ) and never heard anything back. So I dont count it as being worked out with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have spent the last XXXX  months in 2024 trying to close this account and get my money mailed to me via a check. I requested to close my account. I was told to submit my social security card because they could not verify my identity. I did that. Then I was asked to take a selfie and upload it and upload a picture of my passport. I did that 4 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: GA

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-02 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: VA

Complaint narrative:
I recently was looking at my credit report and noticed fraudulent activity. Please remove all fraudulent activity off my report as it is hurting my ability to obtain credit. 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 non-monetary relief
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I recently was looking at my credit report and noticed fraudulent activity. Please remove all fraudulent activity off my report as it is hurting my ability to obtain credit. 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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 trafficking according to XXXX Final Rule 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account : XXXX XXXX Account number : XXXX XXXX XXXX : {$760.00}

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 2024-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On date XX/XX/year> I received a wire, on history payment, is saying XXXX $ yes there is a fee of XXXX $ that appear on history payment but still there are some money took from me without me knowing why and because of lack of transparency I am not able to know even who took that money from me.

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 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Subject : Request for Removal of Closed Accounts from Credit Report To Whom It May Concern, I am writing to request the removal of closed accounts from my credit report. The following accounts are closed and no longer active, and I believe their removal will help maintain the accuracy of my report : XXXX XXXX XXXX close and it was open since XX/XX/year>. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out because I previously and repeated disputed items on my consumer report and this Experian has failed to conduct a proper investigation. 

failed to provide me with evidence of procedures, failed to fully consider all information provided by me, the consumer in a fair and impartial manner during investigation And by doing so failed to stay in accordance with 15 USC 1681i, the following items came back verified without explaining exactly how it was verified which leaves me to believe they didnt not properly follow reasonable procedures even when I provided them with written notice of these inaccuracies, as the law requires me to. 

After attempting to resolve this matter with the consumer reporting agency multiple times I have no choice but to use the CFPB because my rights are continuously being being violated by their complacency and continued reporting of these inaccuracies on my consumer report Account : XXXX XXXX Account : XXXX XXXXXXXX Account : XXXX XXXXXXXX Account : XXXX XXXXXXXX Account : XXXX XXXX XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX Bellow I will Send Documentation Of Letters Tracking Proof Of Identity And Dispute Results

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
To Whom It XXXX Concern, This letter serves as a formal request for debt validation pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am exercising my right to request comprehensive validation of the alleged debt you claim I owe including the original contract with my wet ink signature. It is a request that your agency verifies the legitimacy of this debt as required by law. 

XXXX. Verification of Permissible Purpose ( FCRA 604 ) ** Under FCRA Section 604 ( a ), your agency is required to demonstrate a permissible purpose for obtaining or reporting information on my credit profile. Provide documented evidence showing your legitimate need and right to access my credit information. Failure to do so constitutes a violation of FCRA regulations.

**2. Verification of Accuracy and Completeness ( FCRA 609 and 611 ) ** Per FCRA Section 609 ( a ) ( 1 ), I request full disclosure of all information, including : - The name of the original creditor and a comprehensive breakdown of the account details.

- Documentation proving the accuracy of any records related to this debt, including the original signed contract or agreement that substantiates the alleged obligation.

Additionally, under FCRA Section 611 ( a ), any information reported to a consumer reporting agency must be accurate and complete. If there are inaccuracies or unverifiable elements, they must be corrected or removed immediately.

**3. Itemized Proof of Debt ( FDCPA 809 ( b ) ) ** As stipulated in FDCPA Section 809 ( b ), I request : - A full breakdown of the debt, including the original amount, interest, fees, and any charges applied.

- Proof that your agency is authorized to collect this debt on behalf of the original creditor or proof of ownership.

- Verification of my alleged obligation to pay the debt.

**Response Requirements** If your agency is unable to provide adequate validation as required under the FCRA and FDCPA within 30 days from receipt of this letter, you must cease all collection activities and ensure that any negative reporting related to this account is removed from my credit report. Continuing to pursue this debt without adequate validation will be regarded as a violation of my rights and could lead to legal action. 

Please provide all documentation via mail to the address listed above. No further contact via phone is permitted until this matter is resolved. I expect all correspondence to be documented in writing for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
RE : Trafficking Block Request To Whom It XXXX Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX CARD - XXXX Educators XXXX - XXXX XXXX XXXX - XXXX CBNA - XXXX CB/Boston - XXXX XXXX XXXX - XXXX XXXX LT - XXXX XXXX Cred - XXXX Capital XXXX Inquiry - XX/XX/year> JPCMB Card Inquiry - XX/XX/year> XXXX Inquiry - XX/XX/year> XXXX FCU Inquiry - XX/XX/year> XXXX Inquiry - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> Please XXXX this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

Sincerely, XXXX XXXX XXXX XXXX of identity Trafficking documentation

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 2024-11-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
XXXX refuses to answer to why the amount of interest paid on my last payment increased. They have also allocated my last payment to XXXX loan despite it stating at it would apply across all loans, on my payment confirmation ( which will be attached to this complaint ). Since I made a payment XX/XX/XXXX my new due date should be XX/XX/XXXX. They have not reflected this in my account or responded to my email requesting it. 

When they finally responded and applied my XX/XX/XXXX payment across all loans the amount of interest applied falsely increased substantially.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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:
EQUIFAX IS REPORTING AN INCORRECT ACCOUNT AND BALANCE ON THE CREDIT REPORT THAT DOES NOT BELONG TO ME THEY HAVE BEEN NOTIFIED AND VIOLATED MANY RULES OF THE DISPUTE PROCESS THIS IS A FRAUD IDENTITY THET, AND MULTIPLE REQUESTS HAVE BEEN SENT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
two issues : First, I called New Rez to request XXXX from XXXX. Two phone calls and I was promised they would email me the docs right away. Then, when neither call yielded results, I called back a third time and asked to have the docs mailed to my home address. I have heard nothing. XXXX XXXX ( XXXX XXXX ) was my previous mortgage servicer but I don't know how to get these reports from them. 
Second : I got charged a late penalty and I requested help in getting the charge erased due to problems my checking account bank had had with a security breach. I had called called New Rez to change my method of payment online over to another bank account at another institution. I was under the impression that if I called and talked to someone in customer service, that was all I needed to do. However, I was not told that I also needed to have gone into my online account with New Rez and make the change separately and additionally. I never knew this. This caused my processing that month 's payment to be late and I was charged a penalty. This happened several months ago and I have still not gotten the penalty excused. 
I am very unhappy that my mortgage got moved to this mortgage servicer where customer service is not existent.

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 2024-11-02 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: NY

Complaint narrative:
XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
TO : EXPERIAN RE : NOTICE OF DISPUTE INACCURATE REPORTING SEE LETTER ATTACHED BELOW This inaccurate reporting is not only misleading but has a damaging impact on my XXXX XXXX by creating a false impression of my financial standing. 
FCRA Violation This is a clear violation of the FCRA, as outlined in 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It XXXX Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2024-11-02 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It XXXX Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to 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 non-monetary relief