vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Ingo Money, Inc.
State: CA

Complaint narrative:
Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Ingo Money Unresolved Account Review and Lack of Response Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against Ingo Money regarding their handling of my account review and their failure to provide a clear resolution to my case despite multiple attempts to seek clarification and assistance. 

# # # Background : On XX/XX/XXXX, I contacted Ingo Money via email to inquire about the status of an open case regarding my account. I received a response stating that my issue had been escalated to the Risk Review team and that I would receive an update within XXXX business hours. However, on XX/XX/XXXX, Ingo Money informed me that they could not verify my identity and, as a result, my access to the Mobile Check Capture by Ingo Money feature would be denied in accordance with their Terms and Conditions.

I then asked Ingo Money what documentation was used in their review process, but instead of providing a clear response, they directed me to call their customer service line, without further explanation. 

# # # Recent Developments : On XX/XX/XXXX, I received another message from Ingo Money stating that, after reviewing my registration information, they were unable to meet their security and regulatory requirements, and therefore could not activate my account. When I asked for a specific reason for this decision, they responded with a general message stating that my issue was once again escalated to their Risk Review team, with a reference number : XXXX. 

Despite their stated XXXX business hour review period, as of XXXX XXXX, XXXX, I have not received any further response or resolution. 

# # # Complaint Details : - Ingo Money has failed to provide a clear and transparent explanation of why my account was denied.

- Despite multiple escalations to their Risk Review team, I have received no meaningful updates or resolutions. 
- I have made multiple attempts to contact Ingo Money and follow up on my case, but my concerns have been repeatedly dismissed or redirected without a clear answer. 
- The ongoing delay and lack of transparency in their decision-making process have caused frustration and inconvenience. 

Request for CFPB Assistance : I am requesting the CFPB to investigate Ingo Moneys handling of my case and require them to : XXXX. Provide a detailed explanation regarding why my identity could not be verified and why my account was denied. 
XXXX. Clarify what specific documentation was reviewed in making this decision. 
XXXX. Address their lack of responsiveness and failure to provide a resolution within the promised timeframe. 

I appreciate your time and assistance in this matter. Please let me know if any additional information or documentation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CT

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XX/XX/XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/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 2025-02-15 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: LA

Complaint narrative:
I am writing to express my dissatisfaction with your debt validation practices. I have noticed several debts and inquiries on my credit report that I do not recognize. I am concerned about how these debts and inquiries were validated and attributed to me. 

I request a thorough investigation into these matters and a detailed explanation of the validation process used. This includes but is not limited to Collections, Hard Inquiries, and Late Payments. Please provide me with all relevant documentation and evidence that supports the validity of these debts and inquiries. 

If these items can not be validated accurately, I demand their immediate removal from my credit report. I expect a prompt response to this matter to ensure my credit report reflects accurate and verifiable information. 

Thank you for your attention to this important matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NC

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MO

Complaint narrative:
I did loan forgiveness I qualify. I submitted proper paperwork. Ive been working for the government for 12 years now. I want this deleted NOW OFF MY CREDIT 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 2025-02-15 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: IL

Complaint narrative:
I have tried to get this account deleted and Transunion has refused to delete this account according to the FCRA. An account should be deleted from the first delinquency reported on the account or any inaccuracies reported to the credit bureaus. I have called multiple times and I haven't gotten any help. I'm entitled to {$1000.00} per violation as evidenced and upon refusal I can sue per 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 2025-02-15 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I believe that my information was leaked in a 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 2025-02-15 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: Nelnet, Inc.
State: MO

Complaint narrative:
I did loan forgiveness I qualify. I submitted proper paperwork. Ive been working for the government for 12 years now. I want this deleted NOW OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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:
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 account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I set up a payment plan with Credit Acceptance in XXXX of XXXX Credit Acceptance informed me that they do not have any record of me calling them to do this. I set the payment plan up for $ XXXX after I filed a claim with the CFPB due to Credit Acceptance setting me up on a payment plan for approximately $ XXXX. I spoke with XXXX who was very helpful and we set up a payment plan for $ XXXX. My car was repossessed last month XXXX XXXX of XXXX. I was told that I would have to pay the designated monthly payment of approximately $ XXXX in which I am unable to make. This company is predatory and has many complaints against it by many consumers. They have predatory loans and report inaccurately to the credit bureaus causing a person to never get out of debt which makes it difficult to improve your credit score so that you can qualify for a better vehicle loan. I was told by Credit Acceptance that I would not have to pay additional monies to the repossession company in which I did have to pay a fee of approximately {$120.00} to release my vehicle causing further economic hardship.

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 monetary relief
Consumer complaint received 2025-02-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting on my personal credit report with XXXX and EQUIFAX. This is a business loan in which I signed as a personal guarantee. This is a business transaction, and I acted as the guarantor, this loan was not taken out on my name, nor did XXXX XXXX utilized my personal credit worthiness to grant this loan. This loan was approved based on business financials and business taxes. I am requesting for this information to be removed from my personal credit file with EQUIFAX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: TX

Complaint narrative:
XXXX XXXX is reporting on my personal credit report with TRANSUNION and XXXX. This is a business loan in which I signed as a personal guarantee. This is a business transaction, and I acted as the guarantor, this loan was not taken out on my name, nor did XXXX XXXX utilized my personal credit worthiness to XXXX this loan. This loan was approved based on business financials and business taxes. I am requesting for this information to be removed from my personal credit file with XXXX and TRANSUNION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
XX/XX/year> is the day I paid off my debt for a XXXX  bill that I had insurance on yet I was still charged on it being young thinking its my mistake I still paid it off anyway now its on my credit as a debt collection and I cant bring my score up because of it and its affecting my credit Ive paid XXXX XXXX  ever two weeks with Transworld I even called them and even they said it was mistake yet here we are with the same debt saying I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
Noncompliance to Freeze According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) gives consumers the right to place security freezes on their credit reports : XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency jointly owned by Wells Fargo, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  refused my lawful request to place a security freeze on my consumer report. As parent companies, these banks are responsible for ensuring XXXX complies with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Their failure to properly supervise XXXX  resulted in a violation of my rights under the below laws. I am seeking statutory damages, corrective action, and full compliance with federal law. They did not comply with my emailed request to freeze my account. They however replied with the attached pdf. 

According to Fair Credit Reporting Act ( FCRA ) Violations- Right to Security Freeze ( 15 U.S.C. 1681c-1 ( i ) ) o The FCRA gives consumers the right to place a security freeze on their credit reports to prevent unauthorized access.

Failure to Provide Accurate Consumer Rights Information ( 15 U.S.C. 1681g ) - XXXX XXXX XXXX XXXX has provided misleading information. 

Consumer reporting agencies must provide accurate disclosures about your rights. 

According to XXXX XXXX ( XXXX ) Violations ( 15 U.S.C. 6801-6809 XXXX XXXX XXXX XXXX  is refusing to protect my private data Unfair or Deceptive Practices ( FTC Act - 15 U.S.C. 45 ) The Federal Trade Commission ( FTC ) prohibits unfair and deceptive practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Noncompliance to Freeze According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) gives consumers the right to place security freezes on their credit reports : XXXX XXXX XXXX XXXX XXXX, a consumer reporting agency jointly owned by XXXX XXXX, JPMorgan Chase XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX refused my lawful request to place a security freeze on my consumer report. As parent companies, these banks are responsible for ensuring XXXX complies with the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Their failure to properly supervise XXXX resulted in a violation of my rights under the below laws. I am seeking statutory damages, corrective action, and full compliance with federal law. They did not comply with my emailed request to freeze my account. They however replied with the attached XXXX 

According to Fair Credit Reporting Act ( FCRA ) Violations- Right to Security Freeze ( 15 U.S.C. 1681c-1 ( i ) ) o The FCRA gives consumers the right to place a security freeze on their credit reports to prevent unauthorized access.

Failure to Provide Accurate Consumer Rights Information ( 15 U.S.C. 1681g ) - XXXX XXXX XXXX XXXX has provided misleading information. 

Consumer reporting agencies must provide accurate disclosures about your rights. 

According to Gramm-Leach-Bliley Act ( GLBA ) Violations ( 15 U.S.C. 6801-6809 ) XXXX XXXX XXXX  is refusing to protect my private data Unfair or Deceptive Practices ( FTC Act - 15 U.S.C. 45 ) The Federal Trade Commission ( FTC ) prohibits unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 Whom It May Concern, I am submitting a formal complaint against Experian regarding two accounts that are being inaccurately reported on my credit file. I have no knowledge of these accounts, nor was I ever informed about them prior to their appearance on my credit report, as required under federal law. The accounts in question are : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], consumers have the right to dispute and request the immediate removal of fraudulent or unauthorized accounts. Additionally, per FCRA 623 ( a ) ( 7 ) [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ], I should have received written notice at least 30 days before any negative information was reported to my credit file. Since I was never notified of these accounts, Experian has failed to comply with its legal obligations. 

I am formally disputing these accounts and demanding their immediate removal from my credit report. I also request that Experian provide documented proof verifying the legitimacy of these accounts, including any applications or agreements bearing my signature. 

Failure to properly investigate and correct these inaccuracies may result in further legal action under the FCRA. Please respond in writing with the steps being taken to resolve this matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CO

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 account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: NC

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation