vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against XXXX regarding their handling of my dispute related to identity theft and a fraudulent account reported on my credit report. 

On XX/XX/XXXX, I reported to XXXX that an account from Bank of America was incorrectly listed under my name, and that this account was opened fraudulently without my authorization. The account was created under the status of an 'authorized user ' using my personal information, which I did not consent to. I specifically stated that I do not have any account with Bank of America and requested XXXX to investigate this as a case of identity theft. 

However, XXXX declined to dispute the account. I then submitted another dispute request on XX/XX/XXXX, followed by another request on XX/XX/XXXX. Each time, XXXX denied my request to remove or dispute this false account. 

I have provided XXXX with a police report verifying that I am a victim of identity theft and have repeatedly asked them to provide the full Bank of America account number listed on my credit report. Despite these requests, XXXX has refused to provide the full account number, citing that they can not see the complete number on their end. I find this particularly troubling, as XXXX has made the determination that this is my account without being able to access all relevant information. Furthermore, Bank of America has confirmed that there is no account associated with my personal information or Social Security number in their records. 

Additionally, I have verified that this fraudulent account does not appear on my credit reports from XXXX or XXXX, further indicating that this is an error or fraud that XXXX is mishandling. 

XXXX 's repeated denials of my dispute requests and their failure to provide full account details are causing me undue stress and harm, as this fraudulent account continues to appear on my credit report. I am concerned that XXXX is not properly investigating this case or adhering to the procedures necessary to protect my rights as a consumer. 

I am requesting your assistance in investigating this matter and ensuring that XXXX properly disputes the fraudulent account, removes it from my credit report, and provides me with the information necessary to further address this issue with Bank of America. 

Thank you for your attention to this matter. I look forward to your support in resolving this issue. Here is the latest declined dispute report with XXXX for your reference # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX 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 2024-12-29 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: OK

Complaint narrative:
Subject : Request for Assistance in Addressing Unexplained Credit Score Declines Dear Consumer Protection Bureau Representative, I am writing to formally request your assistance regarding a series of unexplained declines in my credit score over the past XXXX months ( XXXX, XXXX, and XX/XX/year> ). Despite my repeated efforts to obtain clarification and resolution directly from TransUnion, I have been unable to identify any legitimate reason for these changes, leaving me deeply frustrated and concerned. 

I have purchased my credit reports and scores from TransUnion and other major credit reporting agencies. However, there is no data or activity in these reports that would justify the declines. When I contacted TransUnion, their representatives could only provide generic information about the overall factors contributing to a credit score but failedor refusedto give specific explanations for the changes to my score during the months in question.

This lack of transparency has caused significant distress and has left me feeling powerless in protecting my financial health. A credit score is a critical aspect of my financial stability, and unexplained declines not only damage my credibility but also limit my ability to pursue financial opportunities. I am seeking your assistance to : 1. Investigate the unexplained declines in my credit score over the last three months.

2. Advocate for a clear and specific explanation from TransUnion regarding the factors that led to these changes.

3. Ensure that the credit reporting agency adheres to its legal obligations for transparency and accuracy under the Fair Credit Reporting Act ( FCRA ).

I am enclosing copies of my credit reports from TransUnion and other agencies, as well as records of my communication with TransUnion representatives. I am hopeful that your intervention will help resolve this matter in a timely and fair manner.

Thank you for your attention to this issue. I look forward to hearing from you regarding the next steps in this process. Should you need any additional information or documentation, please do not hesitate to contact me. 

If you are not able to assist please refer me to the right agency to begin work on this immediately.

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 2024-12-29 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: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
Upon reviewing my whole credit report I noticed that XXXX has pulled XXXX heart inquiries on XX/XX/24 and XX/XX/24. These XXXX poles were XXXX days apart and I did not authorize XXXX to submit hard inquiries on my report. The XXXX inquiries are fraudulent and do not belong to me. I have not received anything from XXXX nor have i inquired.

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 2024-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
A continuous report is being done on my credit for an account I never created or used! Ive stated several times that I did not apply for any credit cards and someone stolen my identity. The company continues to put negative reports on my credit!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
i have money in XXXX XXXX app they locked my money insude they never call me they didnt do nothing with my account i need this money to pay rent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXXXXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Banks and XXXX XXXX XXXXXXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Auto Financing ( XXXX ) XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX Inquiry Date Remova Date Type Phone Number XXXX XX/XX/XXXX Automobile Dealers, New ( 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 2024-12-29 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: PA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY. 

XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Auto Financing ( XXXX ) XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX Inquiry Date Remova Date Type Phone Number XXXX XX/XX/XXXX Automobile Dealers, New ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank
State: FL

Complaint narrative:
I have tried 4 times to close my FIRST PROGRESS CREDIT CARD, I have never been late on missed a payment and each time the put some guy name XXXX or something and he ask for all kinds of information PERSONAL after they have verified my account. I refuse to give these people any of the very personal information this guy is asking for ITS NONE OF THERE BUSINESS then he laughs and hangs up. The following number is the complaint number i filed with the FTC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX # XXXX XX/XX/year> -- {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no recollection of XXXX things on my credit report at all

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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ALTHOUGH I already summit many complaints against XXXX XXXX XXXX and XXXX XXXX true the CFPB portal, these XXXX companies went ahead and report on my credit report as a negative item. 

I requested many times signed and dated documentation between me and the above mention companies that shows that I have any business with and till this date they are not willing to provide me with any legal documentations. 

Experian, XXXX and XXXX allowed these XXXX company to report on my credit report with out the proper and legal documentation.

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 2024-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
Contact to sell XXXX. Contract was for XX/XX/24. Appraiser said and provided appraisal for XX/XX/24. Wrong date. Comps were wrong. One comp was not even a sale. It is still for sale. Appraiser lied on appraisal. I informed Rocket about it. No response. No new appraisal. Appraiser said property was XXXX less than contact price. I called XXXX number of Rocket. Person from Rocket, not management or loan officers looked up property and saw where all online companies such as XXXX, XXXX, XXXX had property price at XXXX to XXXX. Ok those sites are not completely accurate but they would not be off XXXX sense their algorithms pull from tax and MLS system and county sales information to come up with a range. Even the online Rocket person said something was wrong but no one called me back. Rocket contacted buyer agent to say we asked the appraiser to look at it and of course the bad appraiser said it is correct : XXXX less. 
So Rocket is not going to order new appraisal just go with appraiser 's lie.

False appraisals seem to be common and I guess Rocket is in the kick back business with appraisers too.

Company response to consumer: Closed with explanation