vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
According to current law, medical debt under {$500.00} should not appear on an individuals credit report. XXXX XXXX has a collection entry on my credit report with Equifax for {$180.00}. I notified Equifax of this error and their response was that it was corrected but all they did was change some information and left the collection. I called them to appeal the decision but was told that nothing could be done. I have been damaged by credit decisions based on this error including denial of credit. Please fine them and send me restitution. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
They charge me wrong amount some of them they never send me the credit card still sharing my information and sell it its ruining my life cant even rent the house to live because of them I try call them to get the original bill and the letter they send to me o top of I never give them permission to use my name or sell without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX 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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A. section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX 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 ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XX/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 explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Fold, Inc.
State: MN

Complaint narrative:
Basically I was trying to add my card Fold Bank card to my XXXX XXXX. So once I added it in then clicked next, here it was asking me to verify because I never added card so then i clicked next again, thinking the verification was going to come to my phone number ( current ). While waiting an realizing that it was not coming so I clicked wallet again seen that it had my old number ending XXXX. So then I emailed fold cusyservice basically told them my situation, and I was at at work so not only that work at the hospital, so here it is I received a email from them stated thanks a person will be with you XXXX right so then I replied okay whatever on the email an then here was someone contacting me an they requested photo of my license, selfie, and wrote the date.. so what I did mind I work at hospital I cant just leave to go to the break room my belongings are in a locker, I took one of my selfie and the same screenshot of id and I pasted it to the the selfie that I had cropped out and added an wrote the date of XX/XX/2023 on the pic sent it the link that I was suppose too an got the confirmation an until this morning.. I checked email .. an 10 something I clicked on saying thanks for the information that u submitted XXXX right that we are closing your account hold I just received my money that I got paid for XXXX  had the bank for a while money purchasing points building up XXXX  on my account tan you cant call them every thing is email for support which is stupid.. and not only I have screen shots but like I was saying you I was also told that for the money in my account will be sent a check an km like wow XXXX irritated an all because I just got paid on the XXXX an I was recieving money on my card tomorrow an monday .. thats my only card source no vehicle irritating .. so its wrong wrote now all. Of sudden at XXXX something its this we can be reach or will get back to between business hours Monday Friday XXXX petty still been checking email havent got one since to see what the XXXX is going on you know

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX  Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this CFPB Complaint to dispute the accuracy of my credit report. After reviewing my report, I have identified an erroneous account that is negatively impacting my credit score. According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of credit reporting agencies to ensure that the information on credit reports is accurate and up-to-date. I am requesting that you investigate this account and make the necessary updates to ensure that my credit report is accurate. The listed accounts is erroneous and should be removed from my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$31000.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
This started when i instant deposited XXXX to my brokerage account on XXXX and later switched to my cash account to not get the XXXX restriction that they enforce on robinhood and i didnt know it would take the money back. So i talked to someone in support at robinhood that day on a recorded line and he told me that the money would be sent over the next 3-5 buisness days. It never came so i made a dispute with my bank and got my money back and was happy, then the next day robinhood charges my brokerage account the XXXX which then restricted it and i had to sit in support calls all day where they just avoided it and kept putting me on hold until eventually saying that the rescrition is lifted but i need to add the XXXX to the account to not be have a restricted account again. The money on the intial day was taken right away since it was a instant deposit but then taken back by robinhood and never given back to me.This has been very time draining and frustrating for me, even now i sit in a XXXX hour support waiting room with robinhood trying to resolve this. I dont remember the guys name from the first support call but they state they have every support call on a recorded line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$870.00} ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX KY XXXX XX/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