vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
I have approximately {$10000.00} worth of investments in Robinhood. Robinhood will not allow me to buy, sell, cash out or move any of my investments due to an " account restriction '' which has me locked out of any activity. I have provided all of the documents they are requesting in order to resolve this restriction, however, Robinhood states the restriction can not be resolved without providing my bank statements that include my bank account number. I have previously provided them with bank statements that contain the last 4 digits of my bank account number and my account info on their website shows my bank accounts are " verified ''. I am not comfortable providing my entire bank account number to Robinhood.

I was able to chat with one representative through support chat and was told everything would need to be resolved by sending a request for a call back from their telephone support line. Their website has me locked out of the ability to request information through support chat and just keeps saying I'm in line for a phone call for the last 3 days.

Robinhood 's website has no contact phone number provided for them and they only allow you to request a call from them. Their website states they will call you within 30mins of requesting a call, but I have been waiting for 3 days now! I can not access MY own money. It appears my money is being held hostage until they allow me to provide them with my bank account numbers... which I can not even do until they call me. There is no other avenue for me to submit these documents until Robinhood support calls me and opens up a place on their website for me to submit what they are asking for. 

This should be criminal and needs to be investigated. There should at least be a way for me to get my money out of their hands. This situation feels fraudulent and scammy!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. 

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with 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 explanation
Consumer complaint received 2025-01-06 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:
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 non-monetary relief
Consumer complaint received 2025-01-06 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$28000.00} - Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} - Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8000.00} -Late/Closed XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference #

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 2025-01-06 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: IL

Complaint narrative:
In XXXX of XXXX  I reached out to Mohela in order to understand why my autopayments were not being processed, as they should be. 

I was told the reason that my autopayments were not being processed was because I was placed into " future payment '' meaning that I had paid enough to not pay for future months. However it was only for XXXX of my loans, and it was still hindering the rest of the loans from being paid via autopayment. 

I requested written documentation of the error at hand and was told that Mohela does not provide written feedback. 

This is a huge inconvenience, and I am starting to worry that they are not correctly billing me, causing me to pay more in incurred interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is a general issue. Credit reporting. It seems like within a day or two the credit agency can report you use of credit cards, and then lower your score. But when you pay off a card, it takes at least two month for the score to recover if at all. 
I have inquired and their answer is that they only report payments after the monthly update from the credit card company has verified it ; so why are they so fast to report charges that are not " verified? '' My score dropped over XXXX points in one month when my credit card usage went up while on a month long trip to XXXX in XXXX. I have now paid the cards off and yet my score remains down. In fact, XXXX lowered my score another XXXX pt today yet I have paid in XXXX  of dollars over the past ten days. 
They seem to only want it one way. If they can not verify payments until the monthly credit company reports it " verified '' then they should not be allowed to post my charges, almost on a daily basis. This is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-01-06 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-01-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A hard inquiry from Capital One appeared on my Credit reports on XX/XX/year>. 

I have not made any application to Capital One in over 5 years. 

I would like to have this hard inquiry Removed from my Credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from 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 non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: OR

Complaint narrative:
I had a bankruptcy that was discharged in XXXX. I made all my payments timely ( even during the bankruptcy ) to GM Financial. All the credit reporting agencies are only reporting the negative accounts and omitting the positive. I contacted GM financial on XX/XX/XXXX and was advised that they choose not to provide positive information because of the bankruptcy. Please advise as this seems unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In XX/XX/XXXX I was informed by my bank that Equifax had my birthdate wrong and they were not able to pull my report. I immediatly called Equifax and told them I am XXXX XXXX XXXX I know my birthdate. I have sent proof of this in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX all to the addresses they provided me. And have yet to have it corrected. They keep telling me they never received the info. I sent certified mail in XXXX and it was signed for. This is causing me great stress as when I purchased my vehicle in XXXX it was not wrong and in XX/XX/XXXX I was trying to purchase a different vehicle and was not able to as my bank can't pull the report. They are the only credit reporting service that has it wrong but my bank uses them. They have not update my report since XXXX XXXX. And refuse to change my birthdate. I have sent them my Drivers License, Social Security card, birth certificate, pay check stub and Rental Lease all with my correct birthdate which is XX/XX/XXXX they have it as XX/XX/XXXX which is wrong. I need this fixed asap!!!!! I'm am tired of listening to their excuses and please help me with this. Or I will get a lawyer involved and the press.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
On Tuesday XX/XX/XXXX I was texting communicating with Prestige Financial and an employee not specified I thought it was XXXX XXXX a manager with Prestige Financial and she stated as I have the text records showing her reply, as she stated that if and when I paid the reduced amount of {$530.00} to make a good faith payment then the remaining other two months ( XXXX XX/XX/XXXX ) payments would be tacted on the back of the loan, and a 60 day extension would be applied to the loan. I paid the {$530.00} amount on the portal and it cleared a few days later, then I confirmed with XXXX XXXX on Monday XX/XX/XXXX that the payment cleared, but the 60 extension was not applied and the offer was not honored as agreed by myself and Prestige Financial from the week prior. Also this is an ongoing broken promises and miscommunication that has added more stress and trouble to me and I am a XXXX XXXX XXXX Veteran who is on a fixed income and is XXXX  XXXX XXXX. I would like Prestige Financial to XXXX XXXX  my remaining loan as we got approved from Prestige back on XX/XX/XXXX at XXXX XXXX dealership with me being unemployed and only having my XXXX  XXXX compensation income only at the time of the loan. Since then it has been constant headaches from Prestige Financial and they are a terrible company and want this to be finished. We need this car for our family and Prestige has made it all the more difficult to work with them on an ongoing basis. So Sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
The account with Consumer Profolio Services has been settled due to repossessed vehicle, in which the goods and services were obtained without authorized, which is stated on my credit reports. They apparently repossessed the car and I concluded all business with them and asked them to stop calling me. They not only reached out to me after that, they keep reporting negative remarks on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint on the following dates XX/XX/year> Im now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.

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 2025-01-06 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: NC

Complaint narrative:
Subject : Complaint Regarding Compromise of Personal Information in XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally lodge a complaint concerning the compromise of my personal information during the XXXX XXXX XXXX, which occurred between XXXX and XX/XX/year> and was publicly disclosed on XX/XX/year>. 
XXXX As a result of this breach, my sensitive personal dataincluding my name, address, Social Security number, date of birth, and driver 's license numberwas exposed. 
XXXX XXXX Since the breach, I have experienced significant damages, including : XXXX XXXX  accounts : XXXX XXXX  compromised and {$10000.00} missing out of account. Chime did not protect me at all. After submitting all necessary paperwork required for a liable claim. They continue to deny due to the unauthorized use of my complete and entire credit file info was used to make these transactions. Due to Breach. 

Credit Damage : Unauthorized accounts have been opened in my name, adversely affecting my credit score. Despite my efforts to dispute these inaccuracies, my creditworthiness remains compromised. 
Emotional Distress : The ongoing threat of identity theft has caused me considerable anxiety and stress, impacting my daily life and well-being. 
Financial Losses : I have incurred expenses for credit monitoring services and identity theft protection to safeguard my personal information. 
I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the negligence exhibited by XXXX in protecting consumer data. I also seek guidance on any further steps I can take to mitigate the impact of this breach on my personal and financial well-being. 

Thank you for your attention to this serious matter. I look forward to your prompt response

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