vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CA

Complaint narrative:
I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
My XXXX  savings bank, Bread Financial doing business as Comenity, in all its wisdom, has restricted my account while I'm XXXX  and prevented me from paying my bills. After speaking with a customer service XXXX a week ago, she assured me I would still be able to call the bank to make withdrawals and deposits. Today, XX/XX/year>, the bank hangs up on me when I enter my account number and instead gives me their fraud department number to call. When I call the fraud department, they hang up on me!! Only a bunch of geniuses ( i.e. their XXXX Department ) would restrict my account for trying to pay my own bills. XXXX assured, when I regain access to my account, every dime in the account will go to a competitor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
These fraudulent accounts linked to identity theft must be blocked and removed from my consumer report immediately. I never provided written authorization or a wet signature for their inclusion. This follows my previous communication about this matter. The presence of these unauthorized accounts has severely impacted my financial wellbeing, preventing important life goals like home ownership and providing for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
On Sunday, XX/XX/year>, Robinhood suddenly restricted my XXXX account from trading or withdrawing funds. I reached out several times in the next few days without being able actually to speak to anybody ; my online app just stated my account was still under review, and no explanation was given. 

I finally spoke to someone twice on Thursday, XX/XX/XXXX. On the first phone call, they verified my identity with personal information feedback, and I was told the account was still under review. No explanation was given, and there was nothing further I could do to resolve it at that time. 

Before the second call, I received an email notifying me that I had to verify my identity through the app. I submitted that ( copy of my driver 's license front and back, a live selfie of front and both side profiles, and a copy of the newest bank statement I had dated XX/XX/XXXX, which had the same address as my driver 's license, and the same account number as registered on my Robinhood account ). 

A couple of hours later, I received a phone call from Robinhood, but I could never speak to a person ; I just received a recording telling me I was in line. I waited XXXX minutes on hold and requested a callback. 

About an hour later, I received a phone call from Robinhood. Again, a live person verified my identity with personal information feedback, and they said they received my driver 's license, selfie, and bank statement, and all that looked good. She asked me a long series of questions dating from the present to back to information from over XXXX years ago, which I confirmed as all being my activity. There was nothing wrong with the activity ; they just wanted to verify that it was me. I thought this would finally resolve the issue until, at the end of the call, I was told everything appeared good but that it needed to be returned to review further. 

Robinhood has confirmed that all the activities are my own, and none violate XXXX laws or Robinhood rules. At this point, they are just holding my funds XXXX for no reason whatsoever. 

At this point, I feel like I will never have access to my funds again, and I have exhausted all remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I opened up a XXXX XXXX  card on XX/XX/2024. I was supposed to get a promotional sign up bonus of XXXX point after meeting the requirement ( spending {$5000.00} within 3 months ). I met the requirement by next billing statement date, XX/XX/2024. I also paid the statement balance of {$5300.00} by XX/XX/2024. 

Bonus miles were supposed to be credited in XXXX week 's after the spending requirement was met, which was XXXXXXXX XXXX for my case. 
I called the customer service so many times and they escalated this to the research department back in XXXX. Everytime I call them they say the same thing over and over, repeating that the research team is investigating but dont have any result and they have no control over the research team. 


Now 18 weeks have passed since I met the requirement and I didnt do anything that would prevent u.s bank from providing me what they were supposed to give. I feel so disappointed and disrespectful with this bank.

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 2024-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
Went to a XXXX XXXX XXXX dealership in XXXXXXXX XXXX I purchased a vehicle with a XXXX deposit for a XXXX XXXX XXXX XXXXXXXX miles was told the purchase price would be XXXX after initial deposit remaining balance would have been XXXX to finance payment plan XXXX week paid almost XXXX into payment only to find out my submitted application was for XXXX unbeknownst to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
XXXX. XX/XX/XXXX, for {$2800.00} XXXX. XX/XX/XXXX, for {$870.00} XXXX. XX/XX/XXXX, for {$640.00} XXXX, for {$990.00} I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICES SOME INACCURATE REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to formally dispute an entry on my credit report that appears to be both inaccurate and illegitimate. The entry in question pertains to LVNV Funding LLC, listed as a creditor on my XXXX credit report. 



Upon conducting thorough research via the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), I confirmed that LVNV Funding LLC is not licensed to collect debts in the state of Virginia, where I reside. This is a direct violation of Virginia Code 6.2-1602, which prohibits any company from engaging in debt collection activities within the state without proper licensing. Collecting debts without a valid license is considered unlawful and invalidates the companys ability to enforce collection in Virginia courts.

Furthermore, the presence of this entry violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that all information included in credit reports be accurate, complete, and verifiable. Since LVNV Funding LLC lacks the legal credentials to operate in Virginia, this entry can not be considered valid or verifiable. 



In light of this information, I am requesting that XXXX investigate this matter immediately and remove the inaccurate entry from my credit report. The presence of this entry is causing undue harm to my credit profile and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: AL

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 non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent accounts and information have been added to my credit report through identity theft. I have filed police reports and identity theft documentation. Your continued reporting of these unauthorized items violates federal identity theft protection laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have two loans with two different banks, XXXX XXXX  and BMO, both for recreational vehicles. Each loan is a fixed rate loan charged a daily interest rate. My monthly payments for each are distributed between principle and interest each month and I am completely aware that interest will be higher than the principle contributions. My issue is specifically on how they apply payments made in excess of what is owed as the minimum payment. Example ; fixed rate loan is 7.49 % with a monthly payment of {$560.00}. With exception of maybe 1 or 2 months, each month I have made payments in excess of that minimum amount. The idea was to have those applied to principle however that is not how they are applying payments. They are taking the excess monies and applying it to interest charges and then reducing the minimum payment amount for the following month by the overage amount that was applied to the interest charge. They are not applying this to principle. This practice seems incredibly unfair. They are taking my money which would allow for me to reduce the principle balance and instead applying to what I would XXXX future interest owned. They are applying it to their own interest income and changing me interest on a higher principle balance that I paid extra to reduce. After speaking to both companies, I was told that I have to actually go online, call, mail in or go into a branch to be sure that my additional payments are being allocated to principle. In fact, the BMO representative read me their internal policy or talking points and it said, excess payments were to be applied to principle but he assured me that that does not happen. If I am making my required minimum payment and then additional funds are received at the exact same time, why are they not applying those funds to benefit the consumer vs. themselves. This feels like a very unfair practice and almost deceptive. In order for clients to understand that what they intended to be principle contributions are not actually being applied, they would have to review their statements AND call the bank to understand why their payments are reflecting either a lower or no payment amount. I was told by the representative that even if I requested a reallocation of funds to be applied to principle vs. interest that in his experience, these are denied. He said it would be unsuccessful but did offer to submit it. This does not seem like a process that benefits the consumer at all and lines the pockets of the bank instead. I have two loans that this has happened to me on. Please review for 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 2024-11-21 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: AZ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: AZ

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: MI

Complaint narrative:
I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXXXXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts # CITI CARDS CBNA XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I have account reporting on my consumer report By Credence Resource. I do not now who or what this company is but it is reporting as a collection on my consumer report. I have tried to get the inaccurate item removed and deleted from my consumer report. I know everything is wrong on this account anyway, the dates are inaccurate and the account is inaccurate. Since this account is still reporting on my report and has not been validated or verified, I will be seeking for damages under the FCRA and the FDCPA UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THAT IT HAS BEEN REPORTING ON MY CONSUMER REPORT. Credence Resource will be held liable because they are reporting the debt on my consumer report.

Company response to consumer: Closed with non-monetary relief