vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-11 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: CA

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. 

I told XXXX, XXXX, and Equifax to reinvestigate these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Account XXXX XXXX XXXX XXXX I notified Experian on XX/XX/year> there are errors on my credit report. the errors have not been corrected. Based on 15 USC 1681 XXXX, the information on my credit report must be 100 % accurate ( see attachments ). My Experian report highest has the account status paid, XXXX is reporting paid, XXXX is reporting derogatory.

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 2024-05-11 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: First Credit Services Inc.
State: FL

Complaint narrative:
Fraudulent account never authorized. 
I am trying to pre-qualify for the purchase of a home, and according to the law, there shouldnt be any defamation of character on my credit report or inaccuracies. This account is fraudulent, not mine, and is damaging my reputation as a consumer, which is enforceable by 15 USC and 1681g. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I want capital one to reduce the amount owed and report it to the credit bureau the correct amount. The fact that they have refused to acknowledge my payment and report accurately is a violation of my rights 15 U.S.C 1681 The fair credit reporting act finds them committing several violations. XXXX dollars was paid towards a balance. The representative saw the proof that i submitted in the last complaint and has decided to ignore this and it is against the law stated above. So I demand cooperation from capital one or I will seek compensation for the violations Especially my credit score dropping XXXX points for their illegal actions against my credit worthiness at the very bottom of the picture proof attachment you see the payment of XXXX dollars was received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am requesting a Navient school misconduct private loan discharge application

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Kindly eliminate the accompanying records as they are false and were opened without my assent or information. 

I have been requesting this to be remove from my credit file. But the bureaus just don't really do anything about it. It is still reporting on my file! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-05-11 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: PA

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. 

Account name 1 : XXXX XXXXXXXX Account number XXXX : XXXX Account name 2 : XXXX XXXX Account number XXXX : XXXX Account name XXXX : XXXX XXXXl Account number 3 : XXXX I looked at my Transunion credit report back in XXXX and noticed some things are incomplete and inaccurate. It ranges from everything to dates being wrong, credit limits wrong, balances wrong and most importantly Payment history inaccurate. I have sent numerous dispute letters and can not get them to delete or modify the accounts appropriately. My screenshots from XXXX prove the misinformation they are spreading that remains on my credit report. According to the fair credit reporting act whenever a consumer reporting agency prepares a credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general, after any further investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are not supposed to 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. 

Please hold Transunion accountable by making them remove these accounts from my credit report and send me a copy of the updated 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 2024-05-11 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: FL

Complaint narrative:
I want XXXX XXXX  to reduce the amount owed and report it to the credit bureau the correct amount. The fact that they have refused to acknowledge my payment and report accurately is a violation of my rights 15 U.S.C 1681 The fair credit reporting act finds them committing several violations. XXXX dollars was paid towards a balance. The representative saw the proof that i submitted in the last complaint and has decided to ignore this and it is against the law stated above. So I demand cooperation from XXXX XXXXXXXX or I will seek compensation for the violations Especially my credit score dropping XXXX points for their illegal actions against my credit worthiness at the very bottom of the picture proof attachment you see the payment of XXXX dollars was received

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
additional information. With Disputes with Experian over 90 days regarding removal ltems o XXXX XXXX. XXXX XXXX XXXX has continued dispute which finger-hut corporation also hired XXXX XXXX XXXX XXXX XXXX  ..to distroy my credit scores XXXX Which l don't owe this company.. These are not my account l places fraud on my credit report .Which fingerhut XXXX doesn't have proof.. Experian credit reported stated they completed. Investigation. .With isn't true.. I request. Proof identification. Name address payment history., fingers. XXXX which XXXX  hasn't provided any PROOF... .90 days l received letter from XXXX. Request ENTIRE BILL PAID.? Isn't valid XXXX. XXXX. Hasn't provided any information 90 days Sent me a copy of payments history. Showing payment? .how much these items would cost nor owed? Nothing sho what has been paid. That isn't Accurate ... investigation no name on the same sheet. SSN addresses no information. On the attached Letter. Reques ... .ENTIRE Accounts Paid.? What item What lm makein payments on?

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 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
My credit is still showing that I was late on a mortgage payment with Freedom Mortgage within the last 12 months. The last time we were late was back in XX/XX/year>. We have made payments in time since then. We are trying to finance for HVAC because we have no AC in our house and we need a whole new system, because it is showing that we were late on mortgage in the last 12 months, we do not qualify for financing to get AC in our house. This needs to come off my credit report because that late payment was about 2 years ago, not within the last 12 months.

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 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
I am encountering difficulties accessing my Robinhood account after 1 ) changing my last name and 2 ) having a new phone number.

When I try to sign into my account, I am prompted to confirm my identity through an ID scan. However, when I upload my ID with my new last name, the application deems it invalid. 

When I try to use the " Forgot my Password '' feature, it requires me to confirm via text sent to my previous phone number, which I no longer have access to. 

I've been in contact with Robinhood for over a week, communicating with different representatives each time. However, despite multiple attempts to resolve the issue, I've been met with circular responses : 1 ) to click on a link, which I can not access because of issue mentioned above 2 ) ask me to provide my new last name. 
3 ) ask me to upload a new id with a court ordered name change. 

D

espite completing these tasks, Robinhood would claim there was insufficient or incorrect information on my submissions, leading me back to one of those 3 responses listed above. This cycle has persisted, leaving me unable to access a significant amount of money in my account. As my family is on the brink of closing on a house, this money is urgently needed. Despite Robinhood 's offer to call, I've never received any calls. 

I am happy to cooperate and provide any additional information or verification methods necessary to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: IN

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. These accounts are inaccurately reported. Compensation of {$1000.00} is due for each incorrect entry on my credit 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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
these items on my credit are not credit report i tried to send information concerning this but nothing has happened. There are 5 medical bills that is not mine 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 XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 XXXX XXXXXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-05-11 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: CA

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NV

Complaint narrative:
My student loan is paid off and still reports as open. Mohela XXXX XXXX XXXX XXXX acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: IN

Complaint narrative:
It's a requirement under FCRA 605B to eliminate any inaccurate accounts from my credit report. These accounts are incorrectly reported. I'm owed {$1000.00} for every incorrect entry on my credit 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 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: VA

Complaint narrative:
I tried to close my account because they were charging me money to get the advance money. I was told that I had to pay XXXX to get XXXX $ in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IN

Complaint narrative:
My payments are always made promptly, of that I am certain. What puzzles me is the occasional late reporting from this company, which shouldn't be the case. Per USC 1666b, any billing error must be rectified promptly and updated to reflect payment as agreed.

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 2024-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/XXXX I used Chime option to send a check of {$620.00} to my realtor. On XX/XX/XXXX I got rotified the check was mailed. On XX/XX/XXXX I got notified the check was cashed. on XX/XX/XXXX, realter sent an email stating the check came back as " Refer to Maker '' and that they were unable to cash it. The same day I spowe with their bank XXXX XXXX XXXX XXXXXXXX XXXX  and asked to get the paperwork for the " Refer to Maker '' they scanned it and sent it to me. Then I texted Chime and I was told the problem was my realtor 's bank and to ask them to call Chime to fix the issue. They called and were turndown by Chime. On XX/XX/XXXX I called chime and was told the check was cashed to what they sent the number of the check, the date it was processed, printed, cleared and status as " Payee Processed Check '' I then sent another email asking for image proof of the check and I hadn't got any after then sending the exact same email 3 times. It then called chime again asking to open a case or a way to fix the issue as the XXXX XXXX XXXX XXXXXXXX XXXX says they never cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-12 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 explanation
Consumer complaint received 2024-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase bank had declined a check, and the funds were in the account. I have overdraft protection on all my accounts. I had a direct deposit come in for over XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-11 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: FL

Complaint narrative:
I have been contacting this credit bureau since XX/XX/2024 in regard to an inaccurate account on my credit profile. This company has failed to provide me with the verification of how the alleged account is accurate. 
According to the FCRA, credit reporting agencies are required to ensure the maximum accuracy and integrity of the information they report. In this case, the inclusion of this fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ) I am requesting that Experian Credit Reporting Agency remove XXXX XXXX XXXX from my credit report. As other bureaus have investigated this account and found that I have no association or accounts with this company and has been removed from my credit profile. I will provide the screenshot of where XXXX XXXX XXXX XXXX XXXX has remove his alleged account from my report. I kindly request that Experian bureau does the same.

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