vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a regular dispute. My credit report is being affected by items that are not both 100 % accurate fully verifiable. I have been living with a friend because my score is affected by these inaccurate items and am not able to get my own apartment.

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 2024-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I'm currently facing a frustrating situation with Robinhood. Here 's what happened : 1. Account Creation and Initial Transfer : I opened a Robinhood account and transferred {$4700.00} into it. 
2. Unexpected Account Restriction : Right after setting up my account and before I could make more than two transactions, Robinhood restricted my account. They did not provide any explanation for this action. 
3. First Attempt to Resolve the Issue ( XX/XX/XXXX ) : Concerned, I called Robinhood 's customer service. They conducted a series of identity verification questions and assured me the issue would be resolved promptly. 
4. Second Call from Robinhood ( XX/XX/XXXX ) : Ten days later, Robinhood reached out to me, repeating the identity verification process. They said it would take time to review, and that my account would remain frozen when they review, meaning I couldn't trade or even withdraw my funds back to my bank account. 
Current Dilemma : I'm left in a bind because Robinhood is holding my {$4700.00} without any legal basis, effectively locking me out of my own funds without the ability to use or retrieve them. 

This ordeal has left me feeling powerless and seeking answers about my rights as a customer and Robinhood 's accountability in managing accounts transparently.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/year>, I contacted " Ally Financial '' both via email and phone regarding a hard inquiry that appeared on my consumer report dated XXXX. Despite my efforts, I have not received any response. Pursuant to the law, I request that they furnish me with the document containing my signature to confirm that they obtained my written consent for the hard inquiry.

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 2024-03-29 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:
These inquiries are not mine, and I have no affiliation with the listed creditors. I urgently request their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-29 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 urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please 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 explanation
Consumer complaint received 2024-03-29 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: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im not sure where else to turn. I tried to connect my citi Costco card to XXXX XXXX and tried to pay for dinner on XX/XX/2024, and they denied it and put a fraud alert on my card. I spoke to the fraud department, the said they couldnt verify my account when I told her I only had one telephone number connected with the account, then said they could not verify me and I will have to wait for a verification code. I never received anything in my email or mail. This was last Tuesday, they refuse to do anything else for me unless I give them access code. So Im never able to use my card again because I tried to pay for dinner? This is very confusing and I have no idea how to resolve this issue.

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 2024-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: WA

Complaint narrative:
In XX/XX/2024, XXXX XXXX XXXX XXXX XXXX began the garnishment process on a previous judgment for {$1500.00}. I immediately contacted them to settle the debt. During a recorded call, I repeatedly asked if paying the judgment amount would close the related collection accounts and was assured it would. 

On XX/XX/2024, I received a letter demanding full payment within 72 hours. This included the originally settled collections, surprisingly listed with a {$0.00} principal balance but accruing interest charges totaling {$150.00}. It is concerning that interest is being applied to a zero balance. Confused, I contacted the company. On XX/XX/XXXX, a representative explained these were " garnishment fees '', despite never mentioning this during the original settlement. Their tone was rude, and they pressured me into full or partial payment to avoid these fees. This contradicts our previous agreement. 

I suspect this company is engaging in deceptive practices and potentially violating the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: PA

Complaint narrative:
According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you verify the documents, please? Some of the listed accounts are inaccurately reported.

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 2024-03-29 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: IL

Complaint narrative:
I am willing to settle the overdue payments on my account, and I kindly request that you accept my payment as agreed. I am committed to making a substantial payment.

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 2024-03-30 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: TN

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-03-29 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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX documented that XXXX XXXX received electronic payments from an account ending in XXXX with The XXXX XXXX  which does not belong to me. I have contacted XXXX and verified that I have never had an account ending in XXXX. XXXX XXXX has gone to lengths to hide the truth that i never approved, agreed to, or authorized this credit card account. I have XXXX XXXX to provide physical data or proof as I have maintained my innocence from the very beginning by stating I did not open the card nor make any of the purchases, and sent an identity fraud report which XXXX XXXX never filed or disputed the fraudulent charges. 
Only thing XXXX XXXX is holding against me is standard public information ( address, date of birth, social security # ) which is almost always used in identity theft and fraud anyhow. 
XXXX XXXX does not have a wet signature or affidavit/agreement filed by me to open the account.

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 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In requesting documentation none was provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Revolut Technologies Inc.

Complaint narrative:
XX/XX/year> : I initiated a domestic wire transfer of {$17000.00} from XXXX XXXX to my USD bank account on Revolut ( Virtual Bank ) which uses the XXXX XXXX XXXX. 

XX/XX/year> : Same day I received a confirmation that wire transfer is complete ( Reference number : XXXX ). 

XX/XX/year> : Transfer hasn't cleared my account. I reached out to a representative in XXXX XXXX asking them to provide a confirmation document. 

XX/XX/year> : After a second reminder I sent, I received the XXXX document with the relevant information. 

XX/XX/year> : I sent the XXXX to the receiving bank ( Revolut ) who responded with a Missing Inbound Transfer ( XXXX ) document. 

XX/XX/year> : I sent the XXXX document to XXXX XXXX on their online platform and called the support helpdesk asking about the transfer. They responded that the transfer is held at an intermediary bank for compliance. 

XX/XX/year> : I sent to XXXX to file an official compliant that they're using subpar intermediary banks for processing the wire transfers that hold the transfers for no obvious reasons. 

This is the second time this has happened, the first time I made an international wire transfer to the same bank, it was held for compliance for 33 days until it was returned back to sender with a deduction of {$50.00} ( Sent on XX/XX/year> returned to sender on XX/XX/year> ). The intermediary bank holding the transfer was XXXX, which is used by XXXX for processing the wire transfers. 

I believe it's being held for compliance because my name is XXXX which is clearly a XXXX discrimination act!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/year> I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 2 ) exclusions.

According to this provision, certain information is not to be included in consumer reports.

15 USC 1681a is a law that defines the term " consumer report '' and its exclusions. The term " consumer report '' does not include : Reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I have recently reviewed my credit report provided by your agency and have found that there are inaccuracies and violations of these exclusions. You are reporting XXXX late payments which are experiences between the consumer and the person making the report. 

I am formally requesting that you take immediate action to correct these violations and remove the information from my credit report. I also request that you provide me with a revised copy of my credit report once these corrections have been made. 

Failure to comply with this request may result in further legal action being taken against your agency for non-compliance with federal law. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: NJ

Complaint narrative:
Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: NJ

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Stellantis Financial Services US Corp.
State: MO

Complaint narrative:
I was looking to buy a XXXX XXXX I was trade in my XXXX XXXX XXXX XXXX with XXXX miles {$62000.00} plus {$7000.00} for the service contract so the sales person tells me that he has a car that is better than a XXXX XXXX XXXX I ask him what I was sales person say XXXXXXXX XXXX XXXX ok so before I can think about it he was getting my stuff out of my XXXX into the suppose to be a XXXX  XXXX but XXXX wasn't he was lying about it he sell me a XXXX XXXX XXXX so they got my XXXX XXXX XXXX XXXX cost me {$70000.00} and they was selling the XXXX for XXXX XXXX with my myi trade in the balance I remindnet was $ XXXX so I don't know what they did with the trade in money all whapping with the paperwork

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 2024-03-29 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: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 explanation