vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: AL

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information on the best of their ability with maximum accuracy. I have never been late on payment for the account for that i have included in the screenshot inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks, please see screenshot attached.

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 2024-12-27 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:
I am disputing the inaccurate personal information on my consumer report. My legal name is XXXX XXXX XXXX, and any other name variations should be removed. The only correct address associated with me is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. All other listed addresses are incorrect and must be removed. My sole employer is XXXX XXXX XXXX XXXX XXXX, and any other employer details should also be deleted. Additionally, please remove all phone numbers on my report. Per the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure all reported information is accurate. Incorrect addresses and other personal details not only violate the FCRA but may also disrupt postal deliveries and cause unnecessary complications. I request immediate correction of these inaccuracies and confirmation once the updates are complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
I opened an account at Robinhood to invest in crytocurrency, and transferred {$10000.00} to the account at first on XX/XX/year>. And on XX/XX/year> I withdrew {$5000.00} back to my bank account. Immediately after, my account was locked and restricted and I couldn't access my funds to invest or withdraw. 

I emailed the Robinhood support team asking how the restrictions could be lifted and they asked me to submit photos of my driver 's license ( front & back ) and photos of myself ( front, left, right ), which I did on XX/XX/year>. But they didn't resolve the restriction or respond to my request or provide any explanation for 2 weeks. 

After the wait, they emailed me to call the support team to resolve, and I tried to call several times with the case number, but once they put me through it would say my case number is closed repeatedly from XX/XX/XXXX through XX/XX/year>. 

I emailed the support team twice that the case number is closed and I was not able to speak with support. And they emailed me back to request a call from the Robinhood App and I did on XX/XX/year>. I was in the queue to be called then until now. 

I received a call moments ago today, XX/XX/XXXX to follow up on the issue. I was told my account is under review and asked a couple of questions to verify the activity on the account. But when asked, they would not confirm when or if my account would be released even with the verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.

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 2024-12-27 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: TX

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2024-12-27 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: MD

Complaint narrative:
See attached they have not allowed me a chance to pay the balance and they just want to keep tampering with my account to deprive me of points on my credit report by any means. 
In addition they have not paid me for all damages caused by their negligence

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
See attached they have not allowed me a chance to pay the balance and they just want to keep tampering with my account to deprive me of points on my credit report by any means. 
In addition they have not paid me for all damages caused by their negligence

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 2024-12-27 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: GA

Complaint narrative:
These collection accounts were posted back on my credit report even after these debts were sold to another collection agency under 15 USC 1692 I submitted disputes to XXXX, Transunion and XXXX. 30 days has passed since I disputed these accounts.

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 2024-12-27 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: GA

Complaint narrative:
These collection accounts were posted back on my credit report even after these debts were sold to another collection agency under 15 USC 1692 I submitted disputes to XXXX, XXXX and Experian. 30 days has passed since I disputed these accounts.

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 2024-12-27 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: CA

Complaint narrative:
XXXX XXXX XX/XX/year> Per the FTC it is illegal to lie and mislead a consumer by telling them the FTC report is invalid for any reason. As long as my name and contact information is on the report and what I am disputing you must delete per FTC manager. This must be resolved by deleting any inaccuracies immediately. TransUnion has not complied with the law, and it has been documented of every 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 2024-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: ID

Complaint narrative:
I submitted an IDR application through Mohela 's website on XXXX XXXX. I was forced to do a paper application since the web portal was down, and tried to tell me I didn't have any loans. It has not been processed, nor have I received any confirmation of them attempting to process it. No communication, no updates regarding my status. 

I did contact on XX/XX/XXXX ; they confirmed they received my application. They mentioned a temporary pause, but did not tell me that they were going to begin charging me on my loans. I mentioned in my message that I needed information on how to apply for a temporary stay, but never received it. 

Now, I owe {$260.00} that I can not afford right now. This is giving me financial hardship due to moving for a new job and I will not receive my first paycheck until XX/XX/year>. This pay will not be enough for me cover both the loans and living expenses. Mohela 's failure to give correspondence or process my application is causing stress and financial strain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: DC

Complaint narrative:
In XX/XX/year> I received notice that {$2000.00} was sent from my Western Union account to someone who was in my contacts and then the receivers name was somehow changed to a name I did not recognize. I MOST EMPHATICALLY DENY authorizing this transfer. I notified Western Union immediately telling them this. I also then cancelled my Western Union membership. 

I filed a dispute with my bank ( XXXX ) and sometime soon after the money was temporarily credited back to my checking account, where it remained until XX/XX/XXXX, when it was taken out again with no notice. 

Since this transfer was CLEARLY fraudulent and made without my authorization, I need my hard -earned money back permanently and without delay or hinderance on the part of Western Union XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

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 , delete, 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 .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the accounts as mentioned above, collections, or hard inquiries as reported. The accounts as mentioned above, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All accounts mentioned above, collections, and hard inquiries result from identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint 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.

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 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal failed me as a consumer against an international scammer called, XXXX by repeatedly asking for confirmation of the FBI report I had already provided, only to follow up with additional requests for information, creating a cycle of unnecessary delays. Despite my compliance and submission of all required evidence, PayPal closed the dispute requiring me to pay {$85.00} to ship back internationally to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This lack of clear communication and procedural fairness undermines their Buyer Protection Policy and leaves me with unresolved financial losses due to their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: MI

Complaint narrative:
Im writing this because I recently did a credit check to see about my file and noticed there are fraudulent accounts on my file i never made have no knowledge of these accounts attached these need to be removed asap this is a VIOLATION of the law 15 USC 1681s-2 nobody shall support to not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. these attached accounts should be deleted and removed within 4 days of receiving this i also request all written confirmations be sent to my XXXXXXXX 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 2024-12-27 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: MD

Complaint narrative:
See attached they have not allowed me a chance to pay the balance and they just want to keep tampering with my account to deprive me of points on my credit report by any means. 
In addition they have not paid me for all damages caused by their negligence

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 2024-12-27 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:
I am writing to have the above information removed from my credit file. Im a victim of identity theft. I have multiple accounts that I did not apply for listed on my credit report. I asked that these items be removed from my credit file so that my credit report only shows accurate information. I reported the theft of my identity to the FTC and have enclosed copies of the police report and FTC report. Delete these items pursuant to section 605B of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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