vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-23 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: SC

Complaint narrative:
Re : Data Breach Request for Deletion of Accounts and Inquiries Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to notify your bureau that I am a victim of a data breach. As such, I request the immediate blocking and deletion of the following accounts and inquiries as permitted under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX  - XXXX - XXXX - {$2000.00} XXXX XXXX XXXX XXXX - XXXX - XXXX - {$3500.00} INQUIRIES TO BE BLOCKED AND DELETED : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was alerted during the month of XXXX ( XXXX  ), saying my information was being shared or exposed but when I tried to contact the company, nothing was as resolved. Now my payments are not being processed and I have charges that I do not recall on my account. Because of this my Credit Score has been deducted and I am extremely unhappy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-23 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: NM

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX, Acct # 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 2024-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd.
State: AR

Complaint narrative:
Regarding this collection, I was involved in a motor vehicle accident in XXXX of this year ( XXXX  ). The opposing party rear-ended my vehicle and carried XXXX XXXX XXXX and was fully insured. After all of the reports were filed, and my vehicle was deemed totaled by the adjuster, XXXX XXXX paid the total due and everything was thought to be resolved. However, XXXX XXXX  sent me a bill totaling {$1500.00} stating that this was the remainder of what was owed on my vehicle. I then directed them to XXXX XXXX providing all of their contact information, as well as the contact information for XXXX that I carried on my car. After that, I did not hear back from anyone for several months and assumed that this bill was paid. However, I then received several phone calls from XXXX XXXX  asking for this payment. We then directed them to contact XXXX XXXX and XXXX as well. So fast forward to now, and I received this collection notice from FMA Alliance , Ltd asking me to submit the payment in full listed on the statement I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-12-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: SC

Complaint narrative:
Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-23 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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 2024-12-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
COLLECTION COMPANIES REPORTED IDENTITY THEFT ACCOUNTS PRIOR TO CONTACTING ME, WAS TOLD BY PARENT COMPANIES THESE WERE IDENTITY THEFT ACCOUNTS, ONCE I CONTACTED THE COMPANIES UNDER FTC AND FDCPA specifically XXXX usc15, 1692g, they never responded.

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 2024-12-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I submitted my second XXXX XXXX XXXX XXXX XXXX on XX/XX/year> based on the school misconduct of XXXX. I received a blanket statement denial on XX/XX/year>. XXXX has been documented to be submitting vague and unfounded denials. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: World Acceptance Corporation
State: SC

Complaint narrative:
I just want to put a freeze on third party agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 650C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts Account Name : 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 Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year>

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 2024-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
In XXXX, I opened an account with the Gemini crypto exchange. On XX/XX/2024 XXXX Gemini verified my identity and I funded my account with {$5000.00}. I purchased some coins and later wanted to withdraw some of my initial investment to purchase coins on another exchange. 

When I logged in to my account on XX/XX/XXXX, I discovered I couldn't withdraw money. This started a chain of emails and actions that asked me to revalidate my identity. 

Gemini XXXX asked me to re-validate my identity with photos of my face and my driver 's license. If I didn't respond to their follow-up emails within XXXX hours, they asked me to go through the security check process again. I was required to submit images of my face and driver 's license XXXX times. In another email from Gemini XXXX, I was required to answer several security questions. 

I continued to receive emails from Gemini, saying that they were working to resolve the issue. I've kept replying, requesting that they resolve this issue once and for all. 
They have given me no reason as to why I can not withdraw my money from my account. 

Gemini XXXX 's ticket for my case is numbered XXXX. 

My account remains locked today. I can buy and sell coins, but I can not withdraw funds to transfer to my bank account. 

While I sincerely appreciate Gemini 's stringent security protocols, it makes no sense that I can not withdraw money from my account, especially after I purchased coins from their exchange. I use other exchanges that provide easier secure access to funding accounts and withdrawing money from them. 

Please encourage Gemini to help me resolve this matter. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-23 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-23 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Sent certified letter re original documentation Service Finance Co XX/XX/year>. No response. Never received anything from XXXX XXXX XXXX. In XX/XX/year> received mail Service Finance would handle my account. Terms XXXX % interest, monthly payments {$250.00} payoff XXXX. Never accepted any of this. They also altered my personal check from XXXX to XXXX. I have contacted them with no success. Original loan {$23000.00}.

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 2024-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB and XXXX I am writing to formally file a complaint against Wells Fargo Bank due to its repeated failure to execute automatic payments for my account, despite the fact that I had correctly set up and authorized automatic payments. Over the past XXXX consecutive months, the bank failed to process these payments, resulting in a {$43.00} interest charge on my account. 

I have contacted Wells Fargo Bank multiple times in an effort to resolve this issue, but no satisfactory solution has been provided. I have followed all necessary steps to ensure that the automatic payments were correctly configured, and I strongly suspect that this issue may be the result of a deliberate action by the bank to generate additional revenue through penalties and interest charges. 

This situation has caused me significant financial inconvenience and frustration. I request that the {$43.00} interest charge be refunded immediately and that Wells Fargo ensures no further disruptions to my automatic payment setup. 

I am escalating this matter to both the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau ( XXXX  ) for further investigation. I urge these agencies to look into Wells Fargo 's practices to determine whether this is part of a broader pattern affecting other customers. 

I trust that CFPB and XXXX will take this matter seriously and hold Wells Fargo accountable for their actions. I am happy to provide any additional documentation or evidence needed to support my case. 

Sincerely, 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 monetary relief
Consumer complaint received 2024-12-23 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: NC

Complaint narrative:
am writing to inform you that I am a victim of a data breach, and as such, I am requesting the blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report. These accounts and inquiries were not authorized by me and resulted from identity theft or the data breach. 
Please take immediate action to block and delete the following accounts and inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Accounts to be Blocked and Deleted : 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 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 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 XXXXXX/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
Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
m writing because Im beyond frustrated with Experian 's failure to fix the incorrect and fraudulent information on my credit report. Ive been dealing with this for years, and despite submitting proof multiple times, nothing has been done. 

Im a victim of identity theft and have also been affected by data breaches from major companies like XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, and XXXX. My personal informationaddress, name, Social Security number, and emailwas exposed. Im not someone who constantly checks my credit report, so I didnt even realize how bad the situation was until years later. 

When I discovered the issue, I submitted everything I had, including a police report. However, the initial report didnt include a complete list of all the fraudulent accounts and addresses. Despite this, Experian still hasnt provided me with any proofno signed agreements, no documentationtying these accounts to me. 

On top of that, these fraudulent accounts were charged off, yet no IRS Form XXXX was ever provided. If these accounts were written off, creditors likely received credits from the IRS. So why is this still on my report? 

Let me make this crystal clear : My only valid address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only valid name is : XXXX XXXX My only valid contact number is : XXXX All other names, combinations of my name, addresses, phone numbers, and accounts on my credit report are fraudulent and need to be removed immediately. Ive even noticed completely fake phone numbers attached to my credit file. 

Im asking the CFPB to step in and make sure Experian complies with the Fair Credit Reporting Act ( FCRA ) and removes these fraudulent entries from my credit report without further delay.

Thank you for your time and attention. Im looking forward to seeing real action on this matter.

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 2024-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
While using the Robinhood stock trading app, I encountered an issue due to its unclear user interface design. The app failed to prominently display or provide clear options for a Limit Order on the initial purchase screen. As a result, I was misled into selecting a Market Order instead. This lack of clarity directly caused me to unknowingly execute a trade at a higher-than-expected price, leading to financial losses.

Company response to consumer: Closed with explanation