vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 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: MA

Complaint narrative:
I hope this letter finds you well. I am writing to follow up on a dispute I previously submitted regarding an inaccurate account on my credit report. The presence of this account continues to negatively impact my credit scores, and I am eager to have this matter resolved as soon as possible.

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 2024-06-30 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: NJ

Complaint narrative:
I bought the complaint with consumer protection in XX/XX/year>, XX/XX/year>, XX/XX/year> in XX/XX/year> and to no avail I have not had Equifax, XXXX XXXX XXXX, those credit reporting agencies took from XX/XX/year> until today, XX/XX/year> and they have not resolved my issues. They should take those negative items off my credit report according to the fair federal fair credit credit app and they have not done so and consumer protection has not Done anything to help out?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, Chime those places have accounts in my name and nothing has been done about it my credit score has went down a whole bunch behind this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX XXXX, Venmo, XXXX those places have accounts in my name and nothing has been done about it my credit score has went down a whole bunch behind this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : I need my XXXX dispute claim to be reopen or reinvestigated or investigative again or make into a new dispute and investigate again XXXX {$100.00} Case number XXXX because I never got my order I was scammed and block on XXXX Date XXXX XX/XX/year> From account : ... XXXX Confirmation : XXXX and note for all my disputes I am asking to be reopen and reinvestigated if yall cant do it give me a XXXX time account credits for all my disputes amounts and my XXXX  banking XXXX XXXX my old account number is XXXX and reopen all the disputes on that account number XXXX thats I didnt win for and reinvestigated it or give me a XXXX time account credits for all the amounts etc.

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 2024-06-30 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: MI

Complaint narrative:
Recently, I reviewed my credit report and noticed several inaccuracies on my account. These inaccuracies are affecting my ability to obtain credit. I understand that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify : Account Name : XXXX XXXX Account Number : 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 2024-06-30 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: MI

Complaint narrative:
I recently checked my credit report and found errors that are impacting my creditworthiness. I expect the credit bureaus to investigate and correct these inaccuracies promptly. The account details needing verification are : Account Name : XXXX XXXX XXXX : 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 2024-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I bought the complaint with consumer protection in XX/XX/year>, XX/XX/year>, XX/XX/year> in XX/XX/year> and to no avail I have not had XXXX, XXXX Trans Union, those credit reporting agencies took from XX/XX/year> until today, XX/XX/year> and they have not resolved my issues. They should take those negative items off my credit report according to the fair federal fair credit credit app and they have not done so and consumer protection has not Done anything to help out?

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 2024-06-30 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: NJ

Complaint narrative:
I bought the complaint with consumer protection in XX/XX/year>, XX/XX/year>, XX/XX/year> in XX/XX/year> and to no avail I have not had XXXX, experience, XXXX XXXX, those credit reporting agencies took from XX/XX/year> until today, XX/XX/year> and they have not resolved my issues. They should take those negative items off my credit report according to the fair federal fair credit credit app and they have not done so and consumer protection has not Done anything to help out?

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 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
We pay our monthly bill and the balance continues to rise but is not applied to the balance

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 2024-06-30 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: MI

Complaint narrative:
Recently, I reviewed my credit report and noticed several inaccuracies on my account. These inaccuracies are affecting my ability to obtain credit. I understand that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify : Account Name : XXXX XXXX  Account Number : 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 2024-06-30 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: MI

Complaint narrative:
Recently, I reviewed my credit report and noticed several inaccuracies on my account. These inaccuracies are affecting my ability to obtain credit. I understand that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify : Account Name XXXX XXXX XXXX  Account Number : 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 2024-06-30 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: MI

Complaint narrative:
Recently, I reviewed my credit report and noticed several inaccuracies on my account. These inaccuracies are affecting my ability to obtain credit. I understand that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am not liable with this debt with LVNV Funding LLC. I do not have a contract with the collection agency. They didn't provide me with the original contract as requested with LVNV Funding LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Recently, I reviewed my credit report and noticed several inaccuracies on my account. These inaccuracies are affecting my ability to obtain credit. I understand that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify : Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
Recently, I reviewed my credit report and noticed several inaccuracies on my account. These inaccuracies are affecting my ability to obtain credit. I understand that the credit bureaus will investigate this account to ensure its accuracy. Here is the account I am asking you to verify : Account Name : XXXX XXXX Account Number : 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 2024-06-30 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: MI

Complaint narrative:
I recently checked my credit report and found errors that are impacting my creditworthiness. I expect the credit bureaus to investigate and correct these inaccuracies promptly. The account details needing verification are : Account Name : XXXX XXXX Account Number : 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 2024-06-30 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: CA

Complaint narrative:
Hello, I did not authorize or even recognize this inquiry on my Equifax account. I do not have and account with the company so please remove this inquiry from my account. Date 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 2024-06-30 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: TN

Complaint narrative:
Please see the attached letter from XXXX XXXX XXXX XXXXXXXX dated XXXX for account number ending in XXXX stating a " Letter of Proof '' that this negatively reported account under XXXX XXXX XXXX XXXX  , as well as " XXXX '' and XXXX XXXX '' was investigated and found to " not be mine. '' The letter further states that I am not responsible for " Any '' of the reported balance, and this letter should be offered as evidence to all Bureaus for " deletion. '' Please delete this negatively reported account from my " Credit File '' and credit report under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: TN

Complaint narrative:
Please see the attached letter from XXXX XXXX XXXX XXXXXXXX dated XXXX for account number ending in XXXX stating a " Letter of Proof '' that this negatively reported account under XXXX XXXX XXXX XXXX XXXX as well as " XXXX '' and " XXXX  '' was investigated and found to " not be mine. '' The letter further states that I am not responsible for " Any '' of the reported balance, and this letter should be offered as evidence to all Bureaus for " deletion. '' Please delete this negatively reported account from my " Credit File '' and credit report under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-30 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: CA

Complaint narrative:
Hello, I did not authorize or even recognize this inquiry on my Equifax account. I do not have and account with the company so please remove this inquiry from my account. 

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 2024-06-30 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: MI

Complaint narrative:
Upon reviewing my credit report recently, I identified several inaccuracies that are currently impacting my credit standing. I am requesting the credit bureaus to investigate and correct these discrepancies promptly. Specifically, I need verification for the following account details : Account Name : XXXX XXXX Account Number : 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 2024-06-30 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: CITIBANK, N.A.
State: AL

Complaint narrative:
Per - The Privacy Act of 1974-the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 & 15 usc 1681 subsection ( B ) - Permissible purposes of consumer reports- ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( the Company has not had My Written consent to report any impact on my consumer report file ) They Do " NOT '' have my Written Permission to report. I am Now Opting Out From any and all Authorization, That ( I ) the consumer, May have given you, Written, unwritten, verbal, nun-verbal per 15usc 6802. And it is Effective Immediately, 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 explanation
Consumer complaint received 2024-06-30 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: MI

Complaint narrative:
I recently checked my credit report and found errors that are impacting my creditworthiness. I expect the credit bureaus to investigate and correct these inaccuracies promptly. The account details needing verification are : Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: FL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: CA

Complaint narrative:
Hello, I did not authorize or even recognize this inquiry on my Equifax account. I do not have and account with the company so please remove this inquiry from my account. Date : XX/XX/year> Company : 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 2024-06-30 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: MI

Complaint narrative:
I recently checked my credit report and found errors that are impacting my creditworthiness. I expect the credit bureaus to investigate and correct these inaccuracies promptly. The account details needing verification are : Account Name : XXXX Account Number : 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 2024-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
**Complaint Summary : ** Traditional IRA ( RHS ) account number : XXXX Robinhood complaint reference number : Case ID XXXX Robinhood Firm CRD number : XXXX I am filing this complaint against Robinhood Financial LLC for deceptive marketing practices, failure to disclose material terms, and unjust cancellation of my Robinhood Gold membership. This has resulted in financial losses, including the denial of promised benefits and unfair cancellation fees. 

**Detailed Complaint : ** * **Deceptive Marketing : ** Robinhood induced me to join their platform with a promotional offer of a 3 % match on IRA contributions , contingent on maintaining a Gold membership. However, they did not clearly disclose that the Gold membership could be unilaterally cancelled if my account balance fell below a certain threshold. 
* **Lack of Transparency : ** Robinhood 's Gold User Agreement failed to disclose the terms for cancellation or the existence of an initial free trial period that ends with subscription cancellation. This lack of transparency led me to believe that the Gold membership and its benefits were secure. 

* **Unfair Cancellation : ** Robinhood abruptly cancelled my Gold membership without adequate warning or opportunity to rectify the situation, resulting in the loss of the promised 3 % match and imposing an unjustified cancellation fee of {$3300.00}. 

* **Financial and Emotional Harm : ** This has caused me significant financial harm, not only through the loss of the promised benefits but also through the imposition of unwarranted fees. Additionally, I have experienced considerable stress and frustration due to Robinhood 's lack of responsiveness and unwillingness to resolve this matter amicably.

Company response to consumer: Closed with explanation