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: 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: LA

Complaint narrative:
I submitted many complaints to Experian they only fixed the issue when I did my complaint with your company please refer to complaint id XXXX. XX/XX/XXXX they increased my credit score by XXXX points again which is what they keep doing is decreasing me by XXXX points for no reason and then they increase it once I contact an oversight company or wait it out for several months. This is without provocation and has nothing to do with my credit history or reporting literally nothing has changed. Yet XXXX XXXX they did it again. This is very frustrating and they give generic and general answers but never investigate or resolve the real problem. This to me is a form of fraud that they perpetuate against me every few months and I have documented and can prove that this is a regular practice against my credit score. No other credit reporting agency does this just Experian .There is history and proof of this being a pattern in my previous complaint listed by id above.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach and to formally request that you take immediate action to block and delete the accounts and inquiries listed below from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by the data breach, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have them removed from my credit history. 
The affected accounts are as follows : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} Additionally, the following inquiries should be blocked and removed from my credit report : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a recent data breach and to formally request that you take immediate action to block and delete the accounts and inquiries listed below from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were affected by the data breach, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to have them removed from my credit history. 
The affected accounts are as follows : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$00.00} Additionally, the following inquiries should be blocked and removed from my credit report : XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/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 — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
In XX/XX/XXXX my chime account was closed unexpectedly. Upon reaching out to customer service I was told my payroll check would be sent back to my place of employment and my account was closed indefinitely with no reasoning as to why. Here it is XX/XX/XXXX and Im receiving emails about the balance left in my account that I was locked out from and was not able to log into.

Looking in my account transactions after 3 years of being locked out, the remaining funds were removed XX/XX/XXXX per chimes system but I have not received it. No one can tell me anything about my account until it officially is closed XX/XX/XXXX Why was the account closed initially to begin with

Company response to consumer: Closed with 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
XXXX. Persistent Noise Disturbances I rented XXXX  XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) from XX/XX/XXXX to XX/XX/XXXX. 
Throughout my tenancy, I repeatedly raised noise complaints with managementspecifically XXXX XXXX and XXXX XXXX they failed to take effective action. 
On XX/XX/XXXX, I formally informed management that I would withhold rent until the noise issue was resolved. Despite this, they did not remedy the situation. 
I ultimately incurred over {$20000.00} in noise insulation costs and medical treatments for XXXX, caused by months of XXXX XXXX XXXX that XXXX XXXX neglected to address. 

XXXX. Harassment and Discrimination While living at XXXX XXXX, I faced repeated incidents of XXXX XXXX  and discriminatory behavior by staff, including XXXX XXXX and XXXX XXXX. 
I documented these serious allegations in writing and requested XXXX, yet XXXX XXXX took no remedial action. This inaction violated my rights under federal and state laws. 


XXXX. Incorrect Billing and Unlawful Collections After I vacated, XXXX XXXX assessed a {$2800.00} charge against me and forwarded it to Fair Collections & Outsourcing ( XXXX ). 
I formally disputed this bill on XX/XX/XXXX, yet XXXX continued its collection attempts without properly investigating or verifying the debt. 
In subsequent months, XXXX offered increasing discounts ( 20 %, 40 %, then 50 % ), but these proposals do not address or absolve the fundamental issues : I do not owe these charges given XXXX XXXX misconduct and failure to uphold habitability and legal standards.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I'm writing to express my concerns about your agency 's violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To prevent further escalation, these issues must be addressed and resolved to the maximum extent The mistakes on my credit report, which have decreased my creditworthiness, are unacceptable. Furthermore, failing to provide notifications about the sources of the information in my credit report, as well as illegal disclosure of my credit information for no lawful purpose, are serious violations that must be addressed immediately.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
XX/XX/XXXX a reservation was made to stay at XXXX XXXX XXXX between XX/XX/XXXX checking out on the XXXX. 

The entire state of Florida was under severe weather watch XX/XX/XXXX. 

Airlines were canceling flights or offering a flight credit due to the weather in Florida. 

I contacted the hotel to see if I could modify the reservation by phone. They told me to send an email first to XXXX then to XXXX ( the hotel manager ). I called the hotel several times as there was no response to any of my emails. The phone mysteriously rang for over 30 minutes each time after making this reservation. I asked to speak with the hotel manager when someone finally answered and was given the runaround, hung up on several times.

I was instructed to email the hotel manager, no response. I was told to email the reservations department, no response. The event that was rescheduled in XXXX, I end up missing because there was no communication from the hotel on how to resolve the inclement weather that delayed the event and the trip. 

I am now demanding a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a construction Loan from TD Bank. The first inspection company claimed work was completed and the builder was paid for work that was not completed. A new inspection company XXXX. XXXX has taken over. Again plumbing work was not completed and correctly done. They have incorrectly authorized payment to builder. I am required to be there for the inspections yet I was not notified. The foundation sub contractor and the builder had a disagreement. This resulted in 100 yards of earth left on my property at a cost of {$40000.00} to remove. Cement work has been listed as 85 percent complete. It should be 50 percent. I have no backyard cement or front sidewalk done. I have sent many emails to XXXX XXXX my " Construction Specialist '' at TD Bank. I have asked for a phone number to XXXXXXXX XXXX XXXX and she has refused. I have also her for her next higher level and she has refused to give it to me. I only email her and it is like Emailing a Robot. The builder XXXX XXXX is corrupt and always fighting with his subcontractors by not paying them promptly or properly. The loan started XX/XX/year> and now almost 2 years later TD Bank construction Loan Dept is trying to close out the project of my family home and leave me out in the street.

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
So I had a cash app with about {$3000.00} in it and cash app one day wouldnt let me login so I tried making another account and it was automatically closed so I shot out to support they said I violated terms and condition I said no I didn't I need my money in my account they said no you anit getting it back I said that's my money they didn't want to give me any reason why so they con me out of {$3000.00} and I can open or use cash app when I didn't do nothing it was XX/XX/year> ever since then I can't use or get my money back that was in that account it wasn't cool at all how they did me like that when I did nothing wrong

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 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 Opened XXXX XXXXBalance Owed : {$830.00} Chargeoff- XXXX XXXX XXXXDate Opened : XXXXBalance Owed : {$1100.00} Chargeoff- XXXX  Date of inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have called and visited XXXX JPM Chase banks that I had lost my wallet on XX/XX/XXXX. I kept my account information in my wallet. There have been XXXX transactions that were unauthorized. A XXXX XXXX that went through on XX/XX/XXXX in the amount of XXXX dollars and an atm transaction of over XXXX dollars on XX/XX/XXXX. Chase has refused to credit my account.

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 — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
Beginning date was XX/XX/year>. I routinely logged in to my investment account with correct credentials and received a pop-up message that there existed no affiliated account. What has transpired between me and the company within the past XXXX weeks is documented online but too voluminous to report here. Essentially, I stated my problem, provided extra photos and ID 's that they requested, gave them time to investigate and contact me with an explanation, but the company failed to do so. This company neither receives nor initiates telephone calls. 
Yesterday, I tried to find some information or resolution to my inquiry, but had to start all over again and provide all the same information. No progress had been made by Robinhood, or even attempted. 
I eagerly anticipate working with you agency to resolve this issue. I believe that I have about {$15000.00} at stake. Being XXXX XXXX XXXX, I can not afford to let this go. 
Perhaps you could call me on my cellphone XXXX. Way too much info for this space.

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: OH

Complaint narrative:
XX/XX/XXXX None of these accounts are listed on any of my addresses and is totally fraudulent and illegal. These must be removed asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX must be removed IMMEDIATELY IT IS PAST THE STATUE! 
XXXX XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX Balance {$600.00} Date Opened XX/XX/XXXX XXXX XXXXXXXX Balance {$2100.00} Date Opened XX/XX/XXXX XXXX XXXX Balance {$4300.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/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 2024-12-28 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: CA

Complaint narrative:
Fraud items appearing on my credit report. XXXX and XXXX has done their job and removed the fraud items, but Experian still is reporting 1 fraud item that needs immediate attention of resolve. Pursuant to FCRA 605B Law - Fraud info is to be blocked within four business days of receipt. I have sent all necessary documents.

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