vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: 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 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 2024-12-16 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: NC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: U.S. BANCORP
State: CA

Complaint narrative:
To Whom it may concern, I am writing to file a complaint against U.S. Bank for failing to remove a fraudulent account from my credit report despite my repeated requests. This account was opened fraudulently due to identity theft. I have attached a police report and an FTC Identity Theft Report as evidence.

The fraudulent account showing on my Credit report is : Account name : US Bank Account number : XXXX Under the Fair Credit Reporting Act ( FCRA ), U.S. Bank is required to remove fraudulent accounts from my credit reports. However, U.S. Bank has not complied, severely impacting my life and credit. I request your assistance in ensuring that U.S. Bank complies with the FCRA and promptly removes this fraudulent account from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have previously tried to address these issues directly with them. They are infringing on my rights, and I am entitled to {$1000.00} for each violation I have identified. They must either compensate me or promptly delete these accounts.

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 2024-12-17 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-12-16 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: TX

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: MD

Complaint narrative:
I'm submitting my complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Equifax under 15 USC 1681c2, including my FTC Identity Theft Report and all required documents. However, the fraudulent accounts listed below remain on my report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report # XXXX, and supporting documentation. 

XXXX XXXX XXXX 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 2024-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Prior to the lease end, on or around XX/XX/XXXX I completed an online form indicating that I wanted to buy out the vehicle, and I also called Ally customer service to ask for instructions. I was told I would have 10 business day grace period to complete the transaction, and to mail a certified check to the address provided, so I had my father in law send one. He sent it certified mail and it was delivered to Ally on Saturday XX/XX/XXXX. An entire week went by without any communication from Ally, so I called Ally customer service on or around XX/XX/XXXX, at which time I was informed that the check was returned because it didn't have my name on it. Ally informed me they consider this to be a " third party buyout ''. At no time was it ever made clear to me, either on the online form on Ally 's website, or during multiple conversations with Ally customer service ( prior to sending the certified check ) that Ally doesn't accept " third party buyout ''. So now, Ally is claiming that they can charge me a per diem charge for every day past the date on my lease ( XX/XX/XXXX ), even though I was told by Ally customer service that I had a 10 business day grace period. I returned the vehicle on XX/XX/XXXX, with about XXXX miles UNDER the maximum allowed mileage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
This is my third complaint about the deceptive, abusive, practices at Ally Financial.

On Friday I once again tried getting my account number to pay my account because I am still locked out of the online portal and still no one has called me to help or returned my emails. It took 35 minutes to get my account number! AND to prove my point that I was late because of their issues they were looking up a old account that is NOT active anymore! This is why my original payment most likely never went through. 35 minutes just to get my account number! The agent on the phone was purposely putting me on long holds and toying with me. Just listen to the call. I was in the XXXX  with my father who is XXXX and they took that time from me! How dare you continue to retaliate and abuse me. Now you have force me to pay a convenience pay when I have no other free way to pay. This is illegal in ALL states for auto loans. I have told you multiple times via complaints, emails, XXXX complaints that my account is locked and not once has anyone called me to help. This means you have forced me to pay fees to make a payment. How many other people are you deceptively doing this to? In the previous complaints I attached documentation showing the locked account and the issue with the website. You can pull the call where the agent had issues getting me correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc

Complaint narrative:
On XX/XX/XXXX I received a call from Chime banking. The man identified himself as a fraud specialist " XXXX ''. He called from the Chime phone number as confirmed on the back of my debit card and on the Chime information site ( XXXX ). Agent XXXX asked if I was aware of a XXXX XXXX requesting {$5000.00} from a pay anyone function, and multiple charges to XXXX in XXXX Florida which have since been recovered. 
XXXX XXXX asked me to read him some texts he sent so he could refund the disputed {$5000.00} which I did. The transaction reads on my bank statement : " Pay Anyone transfer For : Refund XXXX XXXX for {$5000.00} ''. 
I have entered into dispute on XX/XX/XXXX with Chime bank over this transaction because it was not initiated by me or authorized by me. The only part I had in the situation was when I was presumably assisting in the reversal and refund of the {$5000.00} with the impersonating agent XXXX. I have sent all correspondence and explanations, along with a police report to the Chime fraud department only to be denied. The reason they gave me for denial was because it is clear I authorized the transaction. I have disputed the decision 3 or 4 times now, offering as much detail as I can remember or provide each time. I have spoken to multiple agents, and today XX/XX/XXXX is the first time I received any explanation at all as to their decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-16 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: MA

Complaint narrative:
Several unauthorized accounts have recently appeared on my credit report, and theyre having a serious impact on my credit score. These accounts were opened without my knowledge, and theyre presenting a misleading view of my financial history.

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 2024-12-16 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: NC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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 2024-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC.
State: GA

Complaint narrative:
A collection Agency called EMCM Has put information on my credit report claiming that I owed money concerning student loan debt and this is illegal. The information they submitted in XXXX is not my debt.

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 2024-12-16 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: PR

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2024-12-16 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:
This morning I initiated a transfer of XXXX to my bank account, it failed. 
I have been on hold with Robinhood for a chat since XXXXXXXX XXXX, I called, their call back system doesn't work. I looked up an XXXX on line, and got someone, but I think it was a scam, they wanted to create a fake account, but I hung up. I want to close the account, but I can't reach anyone. I have XXXX in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Commencing on or around XXXX XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).

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 2024-12-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent the request to the company. 
The company responded back and said it will be removed. 
Company : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2026 XXXX added a derogatory mark on my credit report per Experian, XXXX, and XXXX. These degratory remarks and account are apart of identity theft. I have attached a FTC report that list all accounts that were listed on my credit report illegally.

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 2024-12-16 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
Hello, In XX/XX/year>, I was scammed out of my savings and checking accounts. The person who said to call him, XXXX, pretended to be a XXXX representative and told me I had taken {$30000.00} out of their account and I needed to replace it immediately. 

They told me to go to the bank and gave me a story to tell the bank manager who would then wire them my money. 

At the bank, XXXX, the bank manager, after hearing the tale they told me to say, stood and as he walked out of his office said, " This sounds like a scam, but it's your money. '' He did not explain why he believed this to be fraud. 

Scams are a multi-billion-dollar industry. I believe the banking industry must explain why something sounds like a scam in order to protect their depositors. I am XXXX. I am unaccustomed to being scammed. 

Is it possible for you to help me get my {$38000.00} back from the bank that allowed me to be defrauded. Any help, advice you can provide, will be appreciated. 

Thank you XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX, XXXX XXXX

Company response to consumer: Closed with explanation