vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit report contains accounts that I did not open or approve, likely due to fraud. Please take steps to eliminate these fraudulent entries.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
I was with Lexington law for years as soon as I canceled my service my credit went from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: NY

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 information incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I had a credit card with XXXX XXXX  in XXXX that was closed because I filed bankruptcy. The account went delinquent in XX/XX/XXXX. XXXX XXXX  sold my personal information to this company without my approval. The company lied on my credit report and state I opened an account with them in XXXX. My original account was closed and I never opened another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This information on my consumer report is a result of identity theft. I never provided written permission or instructions for the identified transactions to be reported or furnished on my consumer report. I am requesting for the second time that the reporting of this information be blocked and deleted. 


The reporting and collection agency alleging this debt responded to my initial request on XX/XX/year>, however this response did not address my request and requirements for listing such information on my consumer report at all. This third-party collection agency failed to validate this alleged debt, and did not provide any agreement between myself and their company, nor any wet-ink signature as proof of us entering any agreement together.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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 am a victim of a data breach and have discovered unauthorized accounts and inquiries on my credit report. These items were not initiated by me and are the result of identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent accounts and inquiries : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170000.00} - Late/Open XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : XXXX XXXX XXXX Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$46000.00} - Chargeoff 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 explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Around XX/XX/year>, after I made a transfer to my stock brokerage account, they locked my Marcus by Goldman Sachs account. I successfully verified my identity twice over the phone and confirmed the transfer was made by me, yet they dont unlock my account. Moreover, the first agent I contacted told me that the person responsible for this matter would contact me. Thus, I waited for it, yet he/she didnt. Now, the third agent claim that she can not verify my identity and my information is wrong and I must call them back once I get the correct information, yet Im absolutely sure that I told her the correct information, for two previous agents could verify my information with the exact same information I gave to her. Furthermore, I always have my letter from the IRS to correctly tell them my ITIN when contacting them. 
Because of this, I can not make payments. Moreover, Im losing the opportunity to buy stocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I received an email from Nelnet over a week ago stating my student loans were being placed in forbearance and my interest rate would be set to 0 %. However, their website has not updated with this 0 % interest rate and my loans are still accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
My loan has fluctuated from $ XXXX {$2300.00}. Under XXXX, it was a fixed loan. With Quicken Loans, also, Rocket Mortgage, it is Conventional which I was unaware off. I was told that when they took over, the loan would remain fixed. 

They send double payments that I have repeatedly asked them not to. Several of their workers say information on statements are incorrect. Advised me not to refer to the statements. Payments are not applied as requested. Extra is never put towards principle as requested. There is always a shortage in Escrow. Fees are consonantly added. 

Most recent dates with problems that I can recall extends from XXXX XXXX XXXX. A payment of {$3300.00} was made around XX/XX/year>. One of their workers made adjustments of the payment on XX/XX/year>. This payment should have cleared all fees but did not. 

Asked for a copy, was not given one because I am in XXXX XXXX. Was told everything is sent to my attorney. Upon confirming with my attorney, he never received a copy of my history. I am attaching documents to show the variations in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: OH

Complaint narrative:
I was exposed to a data breech with XXXX nd Transunion. All of my information was leaked and now found on dark web including but not limited to Drivers License number, birthdate, social security, email and physical address. My credit report is compromised and not accurate by their own admission.

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 2024-12-28 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have identified multiple accounts on my credit report that were added without my permission. I urge you to block and remove these fraudulent items promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX Balance {$64.00} XXXX XXXX XXXX Balance {$0.00}

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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Complaint Against HSBCs Handling of Transaction I hope this message finds you well I am reaching out to express my concerns regarding how HSBC managed a recent transaction on my account On XX/XX/year> I received two deposits of {$10000.00} each from my friend XXXX XXXX through The XXXX XXXX XXXX On the same day I tried to transfer these funds to a more secure account but it didnt work, HSBC decided to block and closed my account but failed to refund the money back to my friend. Despite my repeated efforts to clear this up HSBC has not returned the funds to XXXX XXXX account Ive received mixed messages including information that the transaction was reversed ( They lied ) and that the funds remain with HSBC ( true ) I kindly ask that the Federal Reserve Consumer Help step in to address this situation and take the following actions 1 Look into HSBCs management of the transaction and the closure of the account 2 Ensure that HSBC promptly returns the funds to XXXX XXXX account immediately 3 Take suitable measures to guarantee that HSBC adheres to the relevant banking regulations and protections for consumers. 

Feel free to reach out if you need any more details from my end Thank you for your attention and assistance with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding unauthorized transactions on my Cash App account. On XXXX XXXX XXXX my roommate used my phone while I was away and made fraudulent transactions from my phone to themselves. I noticed several unauthorized transactions on my account that I did not initiate or authorize. Despite contacting Cash App 's customer support multiple times, I have not received a satisfactory resolution to this issue and my claim was denied in minutes with no real investigation from cash app. 

These unauthorized transactions have caused significant financial distress and inconvenience for me. I demand a prompt investigation into these fraudulent charges and request a full refund of the unauthorized amounts debited from my account. I also urge the CFPB to take necessary actions to prevent such incidents from happening to other consumers. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX

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: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
Had Fraudulent transaction on my Robinhood account. They placed a temporary hold on my account on XX/XX/XXXX. Every time I call them and verify my information they say its wrong and I verify my account by ID. I spent hours on the phone just for them to hang up on me. I contacted them on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, and XXXX got ahold of them and they finally talked to me and told me to send my bank statements with closed accounts. I sent my bank statements on XXXX and XXXX as requested. Then my account still was not unlocked. Ive been trying daily since then and I wait hours on hold with no callback. They say they call me and my phone never rings. Then they close the case so I have to resubmit everything. I resubmitted documents again on XX/XX/XXXX and tried to get in touch and nothing. Now they closed this case and opened up a new one XX/XX/XXXX. Im getting no where with them. I want the money transferred back in to my new checking account because they made me close the 2 checking accounts that were hacked with the fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name & credit was being used, I was a victim of fraud last year. I was able to remove those hard inquiries that I didn't authorize. I have none on XXXX  but equifax XXXX XXXX XXXX have yet to remove them. These are they, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
XX/XX/year> {$0.00} balance was updated on my credit report by Ally Bank in reference to a vehicle loan that was covered by XXXX XXXX  and I haven't received any letter or notice in regards to the {$0.00} balance other than from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank
State: GA

Complaint narrative:
I paid off a debt that First Progress sold to XXXX XXXX. XXXX XXXX has removed the collection from my account, but First Progress is still reporting the debt on my credit report, showing an unpaid balance of {$190.00}. Ive reached out to them but keep encountering obstacles..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX On XX/XX/2024 I requested an investigation into this account. I'm in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. These inaccuracies are highly injurious to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Account XXXX  Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

Additional Details : The inaccurate late payment notations for XXXX, XXXX, and XX/XX/XXXX have caused significant harm to my creditworthiness and financial opportunities. These errors are preventing me from obtaining favorable loan terms and have resulted in undue stress and inconvenience. 

Discrepancies Identified : High Balance : Reported as {$200.00} Last Verified Date : Not provided. 
Closed Date : Not provided. 
Account Status : Reported as " Closed '' but details differ across sources. 
Credit Limit : Reported inconsistently as {$200.00}. 

These discrepancies and errors in reporting late payments directly violate the following laws : FCRA 1681i : Failure to ensure accuracy and to investigate disputes properly.

TILA 1666b : Failure to provide periodic statements within the required timeframe.

FCRA 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy of credit report information.

FCRA 1681s-2 ( a ) : Furnishing inaccurate information to consumer reporting agencies.

15 U.S. Code 1692e : Prohibition against false or misleading representations in debt collection. 

Desired Resolution : Immediate removal of the late payment notations for XXXX, XXXX, and XX/XX/XXXXXXXX  from my credit report. 

Written confirmation of the correction. 

A thorough investigation into the discrepancies listed above to ensure the accuracy of all future reporting. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation