vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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 was just able to take a look at my credit report, and am stunned. I am trying to start a business, and I couldnt believe my eyes when I saw all of this mistakes in reporting! 
I don't know why this company is putting this on my credit report. I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix this account. In the meantime, I may be denied based on all of this. Ive already tried XXXX places. Please don't leave it this way I need your help! The above account should be reported as positive standing I thank you for your time. Please investigate and take a look at this account : XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX I received a physical credit card from XXXX XXXX. I notice someone was using my social security to open a lot of credit card. I report it to the police and made a police report. The police report is current still pending for me to receive it. I did call the companys of the credit card to make sure to let them know it was not me. 
I notice I still have some inquiries in my credit report XXXX that are affecting my credit score. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All these inquiries on my XXXX credit report I did not apply for. I have not applied for any credit since XXXX XXXX XXXX XX/XX/XXXX Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I received a physical credit card from XXXX XXXX. I notice someone was using my social security to open a lot of credit card. I report it to the police and made a police report. The police report is current still pending for me to receive it. I did call the companys of the credit card to make sure to let them know it was not me. 
I notice I still have some inquiries in my credit report XXXX that are affecting my credit score. 
XXXX XXXX XXXX XXXX XXXX CONTINENTAL FINANCEXXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries on my XXXX credit report I did not apply for. I have not applied for any credit since XXXX XXXX XXXX XX/XX/XXXX Thank you

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 2024-05-16 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: AL

Complaint narrative:
XXXX transunion and XXXX failed to remove the disputes I had on collections and hard Inquires on my report in results violating 15 usc law 1681n

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 2024-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-16 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-05-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: AL

Complaint narrative:
I am a victim of identity theft the following accounts were opened under my social security number fraudulently. This is a violation of my FCRA rights. I never signed anything requesting credit or services from any of these companies. 

The following accounts do not belong to me : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above companies are accounts that were opened up under my social security file without my consent. 

The following inquiries were also opened up under my credit file fraudulently : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX The above companies are inquiries opened up under my social security number without my consent. These are fraudulent inquiries.

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 2024-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On day XXXX XXXX (? ) I attempted to move a portion of my {$26000.00} XXXX account to my personal wallet. I got a message that I was limited to {$1500.00}. Upon trying to transfer that amount I was denied service ... for XXXX days " investigation. '' The next company contact I completed XXXX procedures again..but was put off over the weekend ie several more days. Today I spoke with an agent... who verbally confirmed my personal info. 
I was told that the info was non compliant ... when I questioned how I was hustled off the call. I just talked to a XXXX agent... who put me off another " few days '' to learn additional security " measures '' that I might need to comply with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I've made sure to keep payments on this account timely and never overdue. I'm not sure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b, this billing error should be addressed.

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 2024-05-16 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: FL

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing these accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

The banks have accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which have been mistakenly existing on my report for over five years. 

But somehow, this fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents. 
Please dispute these accounts. This was opened with out my knowledge, authority or consent. 

XXXX XXXXXXXX XXXX XXXXXXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: TX

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 602 A. 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 a account 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 ) ( 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 non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an account with Citibank early XX/XX/2024 and deposited electronically {$100.00} after that I deposited 2 checks one for {$20.00} from XXXX and the {$1800.00} from the IRS for reimbursement from my school loans. After I deposited the checks I was approved for my new apartment and so I updated my address just the same as the other account so I have. The app told me I had to wait 21 days for the {$1800.00} IRS and 24 hours for the {$20.00}. 24 hours past and the {$20.00} wasnt available I gave it another 24 hours but when I tried to access the app I was asked verification questions which one was my account number. I hadnt received correspondence as of yet with the account number so I didnt know it and decided to call customer service. Then I was told my account was being closed due to a suspicious fraudulent check. I was completely puzzled and became upset because I wasnt being informed on why it was fraudulent. I asked to speak with a supervisor she was rude and advised she couldnt give me any information I had to wait on a letter in the mail. She wouldnt even tell me if the check was cashed. I in return took the check to my main bank XXXX XXXX and asked the teller to run the check to see if it was cashed. The teller advised the banks have a website that gives them direct access to IRS checks for validation she seen my check and who it was cashed by which was Citibank. In other words the check never had fraud risk! I received the letter finally later in XXXX which gave no reason only that I violated a policy. I called back still was not advised on why only that I had to wait 90 days to have the remaining funds mailed to me. Another 2 weeks past I called to get the reason and I was told it was due to my address and that I can go to a branch and verify my identity. I became upset and asked why wasnt I informed of this prior. Why when I talk to different reps I get different answers? Unfortunately Citibank doesnt have anymore branches in XXXX XXXX Texas . So I called back to see if it was another solution and I advised no I had wait for valid funds that belong to me. I called back today to check the status and was hung up on by XXXX in account solutions this experience has been horrible. I was depending on those funds to assist in my new move it has been struggle not having something you factored in your bills. Honestly the worst part for me has been this company and its customer service. For this being a long standing company the customer service sucks and its not all but most. I talked to more uncaring than caring at this company. Im highly disappointed and will never do business with anything associated with Citibank again ever in life.

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 monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Io, Inc.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, VA XXXX I hope this email finds you well. I am writing to bring a serious matter to your attention concerning erroneous collections that have appeared on my credit report. I recently discovered the presence of these collections, and to my utmost surprise, I have no knowledge or information about the debts in question. I firmly believe that these collections have been inaccurately reported and are negatively impacting my creditworthiness. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609, which grants me the right to request validation of any debt that is being reported on my credit file. Section 609 of the FCRA stipulates that upon my request for debt validation, the credit reporting agency and the collection agency must provide me with specific information to verify the legitimacy and accuracy of the debt. 

The erroneous collections I am disputing are listed as follows : Collection Agency Name : Receivable Management System Account Number : Unknown Amount of Debt : XXXX Date of First Delinquency : unknown I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene to ensure that these erroneous collections are removed from my credit report promptly. I kindly ask that you initiate the validation process under Section 609 of the FCRA on my behalf and require the collection agency to provide the necessary documentation to substantiate the validity of the debt. 

I am concerned about the potential harm to my creditworthiness and financial stability due to these inaccuracies. I appreciate your prompt attention to this matter and request that you keep me informed of the progress of your investigation. Please feel free to contact me at XXXX or via email at XXXX, if you require any further information from my end. 

Thank you for your assistance in resolving this issue. I trust that your intervention will help rectify this situation and restore the accuracy of my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank continues to report to the credit reporting agencies an auto loan that was discharged in XXXX. I received the title to the vehicle in my name only with no lien holder on the title. My repeated attempts to have US Bank either remove the account or report it accurately are ignored. My repeated attempts for US Bank to send me all documentation relating to any and all accounts under my social security number at US bank as well as the source of the funds for the alleged 'loan ' have been denied as against their policy.

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 2024-05-16 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: FL

Complaint narrative:
I looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : XXXX XXXX : [ XXXX ] and XXXX  XXXX [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief