vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-15 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: NY

Complaint narrative:
I am writing to file a formal complaint against experian violation of my consumer rights under the fair credit reporting act ( FCRA ). Specifically my complaint is regarding the unauthorized reporting of XXXX  XXXX account number XXXX and the XXXX XXXX XXXXXXXX on my consumer credit report and / or credit file, which I did not consent to nor was I properly notified about. 
This information is not only wrongful but was also reported without my explicit consent or prior notification. This action has significantly and negatively affected my credit score, making it difficult for me to obtain credit and it has caused me undue stress and financial hardship. 
I have previously attempted to resolve this matter, but to no avail the issue was not resolved despite my efforts, the issue remains unresolved, and this information is still present on my credit report. 
I respectfully request the removal of this information from my credit report maintained by experian. 
I hope experian takes my complaint serious and rectifies this situation as swiftly as possible. 
I look foward to their response and am hopeful for a favorable resolution. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: DE

Complaint narrative:
did not authorize these inquiries and firmly suspect they are not genuine. I urge you to conduct a comprehensive investigation and promptly remove them from my credit profile.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Unauthorized/Unverified inquiries on 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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received a copy of my most recent credit report and there is an inquiry from a company XXXX XXXX dated XX/XX/22. I did not initiate, request and/or conduct any business with this company.

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received a copy of my most recent credit report and there is an inquiry from a company XXXX XXXX dated XX/XX/22. I did not initiate, request and/or conduct any business with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: FL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: NY

Complaint narrative:
I have never applied nor perform services or business with XXXX XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2023

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 2024-03-15 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: IL

Complaint narrative:
Equifax informed the XXXX XXXX XXXX they would delete a fraudulent account reporting on my my credit report and make corrections to the inaccute late payments they are reporting with by mortgage lender XXXX XXXX and did not make the changes on my credit report. 

My XXXX XXXX account is showing that I was late for the entire 2023 year. My mortgage was in a Covid forbearance during this time pursuant to the CARES Act. I WAS NOT LATE and the late months should be reporting as current. 

XXXX XXXX is a fraudulent account. I have a police report to support this. 

I disputed the above information on the XXXX website on XX/XX/XXXX and Equifax agreed to make the changes but never did. 

Additionally, Equifax agreed to delete a XXXX XXXX XXXX account in XXXX and never removed the account. This account has also reached its statute of limitations of 7 years and should be deleted based off that as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My birth name which is : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX CA 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 2024-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My credit card was paid off with the closing of the sale of our home. The title company sent Capital One a check, check number XXXX. This check did not post so the title company ( XXXX XXXX ) placed a stop payment on it on XX/XX/XXXX. A second check was issued by XXXX, check number XXXX and I mailed it with overnight postage. It cleared on XX/XX/XXXX. Repeatedly Capital One will reverse this payment stating that both checks had stop payments on them. This is not true, clearly one did and the other posted. Finally on XX/XX/XXXX I received a letter from Capital One stating the payment was deducted in error. I thought it was over. Now as of XX/XX/XXXX they have once again made a " payment adjustment '' and the payment has been reversed again. I need help getting this resolved once and for all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-15 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:
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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-03-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I beleive Marcus froze access to the funds in my account in XXXX. They did not reach out to resolve the freeze proactively. Attempts to transfer funds back into my primary bank account prompts a message that says there is an error with the website and that I should try again later. I tried several times between XX/XX/XXXX and XXXX XXXX. Realizing the error was incorrect, I contacted Marcus to resolve the issue. They informed me that my account is frozen for withdrawals until they can verify I own the account I am attempting to move funds in to. Incidentally, the account is not new and I have been using this account to transfer funds with Marcus for several years. Marcus staff said they needed to contact my primary bank to verify my ownership. For security reasons, my bank will not verify ownership over the phone ( which makes sense, after all, anyone can call in and state they are from another bank and ask if a person owns an account ). Marcus has asked that I snail mail them a copy of my bank statement showing that I own the account. This is clearly security theatre, as altering a statement before printing and mailing is a very simple task. However, I have complied with their request to regain access to my money. I mailed the statement nearly XXXX weeks ago. Marcus phone reps have confirmed receipt of the statement as of XX/XX/XXXX. As of today XX/XX/XXXX, I still can not transfer my funds from my account. When I asked to speak to a decision maker ( supervisor ), I was informed that it takes XXXX business days for a supervisor to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: IN

Complaint narrative:
I'm writing to complaint to EXPERIAN about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXX, IN XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.

This is a legitimate inquiry of information and declaring.

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 2024-03-15 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: LA

Complaint narrative:
I notified the credit bureaus about accounts that are reporting on my credit report that are not right. Their initial investigation did not correct the issue. I asked them to provide me with the information they used to verify the information but they did not provide the information. I checked my credit reports today and nothing has changed. I have sent them more than enough info to resolve the issue and they have done nothing.

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 2024-03-15 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:
I notified the credit bureaus about accounts that are reporting on my credit report that are not right. Their initial investigation did not correct the issue. I asked them to provide me with the information they used to verify the information but they did not provide the information. I checked my credit reports today and nothing has changed. I have sent them more than enough info to resolve the issue and they have done nothing.

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 2024-03-15 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:
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 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  15 usc 1681 section XXXX A states I have the right to privacy 15 U.S.C. 16815-2 ( A ) ( XXXX ) 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. 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-15 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: GA

Complaint narrative:
I told Experian, XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section XXXX A states I have the right to privacy 15 U.S.C. 16815-2 ( A ) ( XXXX ) 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. 

15 USC 1681b is a section of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, use, and dissemination of consumer credit information by credit reporting agencies.

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 2024-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
My mother has an account with Robinhood financial ; she passed away XX/XX/XXXX. I reached out to Robinhood and sent all required documents following their estate instructions and until this day ( XX/XX/XXXX ) noone has reached out to me to dissolve her assets. Robinhood closed and deactivated her account without any notifications and will not respond to any of my emails. Below is the timeline of my communication via email as that is the only way to reach them. 

XX/XX/XXXX : Sent initial email with all documents and information to Robinhood estate department. 
XX/XX/XXXX : An email was received from XXXXRobinhood acknowledging the required documentation has been received, including a case number. 
XX/XX/XXXX : I emailed estate dept asking for a status update. 
XX/XX/XXXX : Received email from XXXXRobinhood apologizing for delay and asked to be patient and give them another 2-4 weeks. 
XX/XX/XXXX : I responded and asked for more information if anyone is reviewing my case XX/XX/XXXX : Received a response from XXXXRobinhood saying my case is currently under review. 
XX/XX/XXXX : I reached out to Robinhood asking for an update. 
XX/XX/XXXX : XXXXRobinhood responded apologizing for delay and asking for another 1-2 weeks. 
XXXX XXXX : I reached out to Robinhood asking for an update. 
XX/XX/XXXX : Robinhood apologizing for delay. They asked me to send convenient days and time for them to reach out via phone call. 
XX/XX/XXXX : I responded with my availability, which was any day and time XX/XX/XXXX : XXXXRobinhood thanked me for the info and said someone will reach out to discuss the account XX/XX/XXXX : I emailed asking when I should expect the call XX/XX/XXXX : XXXX responded with someone will reach out via email before they call and case has been escalated XX/XX/XXXX : I emailed and said I have not received an email or phone call XXXX XXXX : XXXX apologized for delay and repeated someone will reach out via email before phone call XX/XX/XXXX : I emailed expressing my frustration XX/XX/XXXX : XXXX apologized for delay, asking for patience XX/XX/XXXX : I emailed saying I'm still waiting for a phone call XX/XX/XXXX : I emailed again telling them I haven't heard from anyone XX/XX/XXXX : I emailed asking for a status update Today, XX/XX/XXXX I haven't heard from Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have never applied nor perform services or business with XXXX XXXX XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2023

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 2024-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have never applied nor perform services or business with XXXX XXXX XXXX XXXX yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-15 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:
I'M A VICTIM OF IDENTITY THEFT. REMOVAL OF THE XXXX ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief