vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to file a complaint against Transunion for failing to conduct a reasonable investigation into inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Transunion via USPS certified mail tracking # XXXX. In this letter, I requested an investigation into several inaccurate items on my credit report and also disputed incorrect personal information listed on my credit report. 
To facilitate the verification process, I included copies of my photo ID, social security card, and a recent bill with my current address. 
I received a response from Transunion dated XX/XX/year> stating the following : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. By failing to investigate my dispute, Transunion appears to have violated my consumer rights under the FCRA.

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 2024-11-13 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: OH

Complaint narrative:
These accounts are past statue of reports and needs to be removed off all 3 credit bureaus. Equifax, XXXX, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  {$250.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$410.00} Date Opened XX/XX/XXXX XXXX XXXX {$440.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: WI

Complaint narrative:
Subject : Request for Assistance in Removing Erroneous Credit Report Entry Dear Consumer Financial Protection Bureau, I am writing to inform you that Calvary SPV I LLC sued me for collections and failed to appear in court, which resulted in the case being dismissed in my favor. Despite this court ruling, the collection remains on my credit report. I have reached out to this collection Agency XX/XX/XXXX, XXXX and XX/XX/year>. I have not received a response! 

I attended court to dispute this case, and the judge 's dismissal clearly supports my position. I request your assistance in having this inaccurate entry removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: IN

Complaint narrative:
By the Fair Credit Reporting Act, the unauthorized inquiry has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The inquiry below has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an inquiry without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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. Delete the unauthorized inquiry below : Creditor Name : XXXX, Date of inquiry : XX/XX/year>, XXXX : Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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 filing a complaint regarding incorrect information on my credit report due to identity theft. I became aware that my personal information, including my Social Security number and driver 's license number, was compromised and used to open fraudulent accounts without my knowledge or consent. The fraudulent activity has significantly impacted my credit report, and I request your assistance in rectifying the incorrect entries.

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 2024-11-13 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: FL

Complaint narrative:
I am filing a complaint regarding incorrect information on my credit report due to identity theft. I became aware that my personal information, including my Social Security number and driver 's license number, was compromised and used to open fraudulent accounts without my knowledge or consent. The fraudulent activity has significantly impacted my credit report, and I request your assistance in rectifying the incorrect entries.

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 2024-11-13 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: IL

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2024-11-13 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: TX

Complaint narrative:
Several accounts that I dont recognize are on my report. I request they be blocked and removed immediately as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: FORD MOTOR CREDIT CO.
State: RI

Complaint narrative:
Thank You Your documents have been sent to the court you selected. You will receive an e-mail notification when your documents have been received. Please use the document ( XXXX ) ID below when referencing this submission. 

Court : XXXX XXXX XXXX XXXX ( XXXX ) Case Type : XXXX Document ( XXXX ) ID : XXXX XXXX Received Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX, XXXX XXXX XXXX and XXXX Instruments XXXX Address XXXX XXXX Phone : XXXX Represented Party : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Role XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Number : Not Assigned Case Title : XXXX XXXX XXXX XXXX Number : XXXX XXXX Reason for sending documents : XXXX XXXX is being treated for XXXX  associated with a history of XXXX XXXX XXXX XXXX XXXX XXXX XXXX On behalf of XXXX XXXX, I am requesting that XXXX-related information from his credit report be blocked immediately. This includes all entries associated with the following entities : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX the Department of Health and Human Services, XXXX XXXX XXXX Sincerely, Filing : I would like my document ( XXXX ) to be filed Documents Sent Document AFFIDAVIT OF REGULARITY/PROOF OF MAILING ( DMV ) XXXX XXXX Listen to XXXX by 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 number : Demolition Order of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Customer Service Receipt and regard to your complaint submitted on XX/XX/year> against XXXX XXXX & XXXX Your complaint was assigned ID XXXX, Receiver Contact Information Court : XXXX XXXX XXXX XXXX ( XXXX ) Phone Number : XXXX Boosting Review Document : Loss Prevention and XXXX Charge against XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) NOTE : This email address is for correspondence only, no documents will be accepted through this email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Indie Technology DBA Found
State: GA

Complaint narrative:
I STARTED A DISPUTE IN MAY IN REFERENCE TO OVERDRAFT FEES TOTALING {$2900.00} FROM A RENTAL RECEIPT ENDING AT THE END OF XX/XX/year> THAT RENTAL AGGREEMENT WAS XXXX # XXXX. WHEN I FIRST FILED THE DISPUTE IN XX/XX/year> I ASKED THAT EVERY TRANSACTION BE DISPUTED ON MY ACCOUNT RELATED TO XXXX CAR RENTAL XXXX FOUND BANK CONTINUOUSLY ARGUED WITH ME USING SEVERAL REPRESENTAVIVES TO XXXX ME THROUGH EMAIL, STATING THERE WAS A THOROUGH INVESTIGATION ON EVERY TRANSACTION DURING MY DISPUTE WITH THIS CONSUMER { XXXX CAR RENTAL } FOUND BANK DID NOT CONDUCT A THOROUGH INVESTIGATION BECAUSE IF THEY WOULDVE THEY WOULDVE KNOWN ABOUT THE ORIGINAL RENTAL AGGREMENT # XXXX TOTALING {$1000.00} MY DISPUTE CASE WAS NEVER THOROGHLY INVESTIGATED FOR OVERDRAFT FEES I ALSO LEARNED THAT THERE WERE SEVERAL CHARGE BACKS THAT WENT BACK INTO MY ACCOUNT WHERE MONEY ISNT ACCOUNTED FOR FROM XXXX XXXX XXXX CALLED THEIR DISPUTE TEAM EVERY DAY TO GET THIS RESOLVED FOR MONTHS NOW ITS THE END OF THE YEAR U CANT EVEN TALK TO ANY DISPUTE REPRESENATIVE ON THE PHONE THEY NEVER ANSWER THROUGH CUSTOMER CARE AND THEY MISCONSCREW EVERYTHING ABOUT YOUR MONEY IN YOUR DISPUTE AND OVERDRAFT FEES AMOUNT XXXX XXXXWHAT IM ADDRESSING TODAY IS CARELESS INVESTIGATION DURING MY DISPUTE & OVERDRAFT FEES THAT WERE REPEATEDLY TACT ON FOR IMPROPER INVESTIGATION BY FOUND DISPUTE TEAM UNRELATED TO MY FIRST COMPLAINT with the CFPB!!! STARTING IN XX/XX/year> I TRANSFERRED A TOTAL OF {$7000.00} into my found account the more money i kept transferring the more problems i had with found bank product { XXXX XXXX  }!!! So how did i have XXXX overdraft fees? That does not add upXXXX  Where did my {$7000.00} then when a charge back came into my account from the consumer for the amount of XXXX they blantly took the overdraft fees without doing a thorough investigation on the dispute/overdraft fees and this is why we are still here because they didnt investigate my account properly from the beginning of XX/XX/year> FOR INACCURATE OVERDRAFT FEES ON MY ACCOUNT...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I've registered to RobinHood services years ago. I've deposited a few XXXX dollars there, then after a while I noticed I was locked out of my account. I've been trying to regain access ever since, but now I've exhausted attempts and possibilities. There is no direct phone number I can call, they don't send any emails when I try to regain access, I was not notified by them about any changes to my account. Whenever I try to access the account, I get into a loophole of confirming my identity just to get an error message at the end saying I can't log in to my account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: MA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: DISCOVER BANK
State: NY

Complaint narrative:
I am filing a complaint against DISCOVER for inaccurate credit reporting, potential violations of the Fair Credit Reporting Act ( FCRA ), and fraudulent practices that have caused me statutory damages. My credit report shows an accou
nt with DISCVOER as " charged off ''. However, I have not received a Form 1099-C from the creditor, which is required by the IRS when a debt is forgiven or canceled. This inconsistency raises serious concerns about the accuracy of the information being reported and the creditor 's practices.

Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies have a duty to provide accurate information4. The discrepancy between the " charged off '' status and the lack of a 1099-C form suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation of disputed information. I believe DISCOVER has failed to properly investigate and correct this inaccuracy, despite my attempts to resolve the issue directly with them.

I am concerned that this situation constitutes fraud and extortion. By reporting the debt as " charged off '' without issuing a 1099-C, the creditor may be attempting to collect on a debt that has been forgiven for tax purposes, while simultaneously damaging my credit. This practice could be seen as an unfair or deceptive act under 15 U.S.C. 45 ( a ).

The inaccurate reporting has caused me significant harm, including statutory damages as defined under the FCRA. According to 15 U.S.C. 1681n, I may be entitled to actual damages, punitive damages, and reasonable attorney 's fees for willful noncompliance with the FCRA.

I request that the CFPB investigate this matter and require DISCOVER to : Provide documentation supporting the " charged off '' status Issue a Form 1099-C if the debt has indeed been forgiven Correct any inaccurate information on my credit report Cease any attempts to collect on this debt if it has been forgiven Compensate me for the statutory damages incurred due to their inaccurate reporting The failure of DISCOVER to address these concerns has caused significant damage to my credit and financial well-being. Their actions appear to be part of a pattern of behavior that the CFPB should investigate, as credit reporting issues continue to be the most common complaint received by your agency.

Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with federal law, protects consumers from such practices, and provides appropriate compensation for the damages I have suffered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation