vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: DC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2024-12-02 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had XXXX hard inquiries hit my credit report.on XX/XX/year> that wasnt made by me. Please help me remove them being a victim of fraud. 

XXXX. XXXX XXXX - XX/XX/year> Institution : XXXX XXXX XXXX Account Type : All Banks XXXX. XXXX Name : SYNCB/LOWES - XX/XX/year> / Transunion Phone : ( XXXX ) XXXX Industry Type : XXXX XXXX XXXX, XXXX, Pa XXXX XXXX. Reported By : XXXX XXXX XXXX XXXX XXXX / Experian Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account Type : Credit Bureau XXXX. XXXX Name : SYNCB/SAMSBR XXXX / Transunion Phone : ( XXXX XXXX XXXX Industry Type : Variety Store Subsciber Address : XXXX XXXX XXXX XXXX, PA 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 2024-12-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had 4 hard inquiries hit my credit report.on XX/XX/year> that wasnt made by me. Please help me remove them being a victim of fraud. 

XXXX. XXXX XXXX - XX/XX/year> Institution : XXXXXXXX XXXX XXXX  Account Type : All Banks XXXX. Inquirer Name : XXXX  - XX/XX/year> / XXXX  Phone : ( XXXX ) XXXX Industry Type : XXXX XXXX XXXX, XXXX, Pa XXXX XXXX. Reported By : Experian Bus Info Solutions XXXX / Experian Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Account Type : Credit Bureau XXXX. Inquirer Name : XXXX XXXXXXXX / XXXX  Phone : ( XXXX XXXX XXXX Industry Type : XXXX XXXX Subsciber Address : XXXX XXXX XXXX XXXX, PA 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 2024-12-02 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
So I took a XXXX from apple in XX/XX/XXXX and my monthly installment is {$91.00} and i have XXXX of XXXX and balance is XXXX. Also, i make sure i pay off my full credit card every month and the balance is XXXX. I never ever carry over my debt to the following month. Now on XX/XX/XXXX i paid off my whole statement which is {$790.00} that is including the {$91.00}. Now the next day which is XX/XX/XXXX, my Apple card is saying i made a minimum payment and i need to balance {$600.00}. I haven't made a single purchase in XXXX with my card. my balance should be XXXX. 

I have called Apple, chatted with them and they keep insisting that even though i made a payment of {$790.00} i still need to balance {$600.00} that my balance from the previous month was {$1300.00} Now, this figure is wrong. I pay off everything i spend every month to avoid interest charges, i pay off my monthly loan for the XXXX. I don't know where that figure is coming from. Moreover, on further evaluation, i realized that i only spent {$400.00} in XX/XX/XXXX ( based on calculation of all my transactions ) and i paid $ XXXX the end of the month. 

The statements that was sent to my email ( a single statement ) is different from what i receive from Apple every month. I am insisting that i pay off my full card monthly, i don't carry over the balance and i don't know why it's not reflecting and i am been overcharged also because i didn't spend upto {$790.00} in XX/XX/XXXX. 

I am requesting someone from apple to audit my account and recalculate it because this is fraud and the customer service people are not helping at all. I need someone to calculate my transactions because its not adding up at all. Infact the supervisor that spoke with me on the phone knew i pay it off everymonth and its still showing a balance.

The attached statement does not reflect an accurate description of my account. 


Please help me look into this. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
MOHELA is sending me a document stating that " during periods of forbearance, interest continues to accrue. '' However, from what I understand this is not true. Interest is NOT supposed to accrue during this time period. 
I received this letter on XX/XX/year>. I was placed into forbearance on XX/XX/year> due to the XXXX plan being under litigation. 
The forbearance letter states the following : " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' The XXXX letter states " Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have the option to pay the interest during forbearance. '' I also uploaded them in this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
I woke up to find incorrect accounts showing up on my credit report, and I dont know how or why this is happening. I check my report frequently, and its always been accurate until now. I tried refreshing my browser, thinking it might just be a temporary issue, but the accounts stayed there. Im at my wits end and need the documents Ive submitted to be thoroughly reviewed. I cant keep dealing with this fear and confusion.

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 2024-12-02 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: MD

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT 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 non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
I recently reviewed my credit report and am writing to dispute the accuracy of certain information being reported. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of the information they report. I believe the following accounts and information are inaccurate and should be removed or corrected : JEFFERSON CAPITAL LLC # XXXX XXXXXXXX JEFFERSON CAPITAL LLC # XXXX XXXXXXXX Additionally, I request the removal of any inaccurate address associated with my credit report. 

According to the FCRA, specifically Section 611 ( 1681i ), when a consumer disputes the accuracy of any information, the credit reporting agency must conduct a reasonable reinvestigation to verify the accuracy of the information and update the report accordingly. If the information can not be verified, it must be promptly deleted or corrected.

Furthermore, per Section 623 ( 1681s-2 ), furnishers of information are required to provide accurate updates to consumer reporting agencies and ensure disputes are properly flagged. Accounts disputed by the consumer must be clearly notated on the report during the investigation period. Failure to do so violates federal law. 

Your failure to investigate and properly notate these disputed accounts as required is a breach of the FCRA. I respectfully demand the following actions : Immediately remove the accounts listed above if they can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NH

Complaint narrative:
On XX/XX/XXXX I transferred {$270.00} to my RobinhooXXXX account to purchase XXXX XXXX with the intention of transferring it to my personal wallet. I had previously made a similar purchase and transfer without issue. After trying to transfer to my personal wallet, I received a message that my account was restricted and I was unable to move funds in or out of my Robinhood account. A few days later I received a phone call where I answered questions regarding my familiarity with XXXX. I was told I'd receive a follow up a few days later. I have since received XXXX phone calls where I answer the same questions and am told to look out for a follow up. My account is still frozen. 

I was able to sell my XXXX in Robinhood on XX/XX/XXXX for {$340.00}, but I am still unable to transfer the money out of my account. I am fully verified and continue to answer any questions on the occasions Support contacts me. No one can give me an ETA on when my funds will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a XXXX ( Cancellation of Debt ) from the following charged off accounts listed below, Upstart Network Inc. acct XXXX XXXX after checking my most current report the updated information state the account was purchased by XXXX XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the XXXX form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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 These ILLEGAL ACCOUNTS MUST BE REMOVED IMMEDITELY! 

Under USC Sec 15 1681, 1682, 1683, 1684, 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! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XX/XX/XXXX Balance {$410.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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:
To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX Email- XXXX Phone- XXXX DOB- XX/XX/XXXX Address- XXXX XXXX XXXX, XXXX Ny XXXX SSN- XXXX Inquires that need to be removed below XXXX XXXX, XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXI - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: TX

Complaint narrative:
XXXX XXXX  - {$460.00} XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX - {$1400.00} These accounts do not belong to me. These accounts appear on my credit profile and are constantly being updated. 

I am citing : 15 U.S. Code Subchapter V- Debt Collection Practices

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NC

Complaint narrative:
Mohela services XXXX federal loans for me, currently on the XXXX plan. According to studentaid.gov accounts in the XXXX forbearance do not accrued interest. But mohela just sent a letter to me ( and others according to reddit.com/r/student loans posts ) stating that loans are continuing to accrued interest and that mine has over {$100.00} currently accrued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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:
XXXX XXXX XXXX removed my installment loan from my credit file due to them saying the accounts was suppressed due to XXXX without notifying me. However the installment is paid in for for 72 months. Ive talked with several people. Finally a supervisor XXXX said he will send those documents, which he never did. On XX/XX/year> talked with a XXXX she did send documents out. Within that process I uploaded them to all credit bureaus and was notified that they cant reinstate the installment back on with the proof, and that its the creditor responsibility to reinstate it like they removed it. Ive been going back and forward with a loan that has been paid out. All Im getting is account is closed. This needs to be on my 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 non-monetary relief