vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I paid off my closed XXXX XXXX card with Wells Fargo on XX/XX/XXXX, and they continue to report a {$10000.00} balance to all three credit bureaus. I went into the branch and got a current statement showing the payoff and asked if they would update the information on my credit report in early XXXX. This has not been updated as of 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 2025-01-10 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 2025-01-10 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: National Credit Systems,Inc.
State: NJ

Complaint narrative:
This company reported fraudulent charges on my credit I will provide legal documents where I dont owe anything to them as well where my apartment was condemned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-10 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: MD

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I am currently a co-signer on a vehicle through Citizens Bank. Currently showing a late payment between 30-59 days which is incorrect. The owner of the vehicle had ask the bank for a loan extension on the payment so the payment wouldnt default into a late status. Original owner receive paperwork in the mail about the approval of the loan extension but the information was never updated on their account making the payment late as a whole. Payment defaulted past 30 days and is now showing up on our credit reports. I have disputed through XXXX XXXX and XXXX with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion is an out-of-control repeat offender that believes it is above the law, said CFPB Director Rohit Chopra. 

Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions violating consumer financial laws, including engaging in deceptive acts or practices or violating the Electronic Fund Transfer Act, which establishes a basic framework of the rights, liabilities, and responsibilities as to electronic fund transfers. 


Todays lawsuit alleges that TransUnion violated the Consumer Financial Protection Act of XXXX by failing to implement requirements of the Bureaus XXXX order and by engaging in deceptive acts and practices. The CFPB also alleges that TransUnion violated Regulation V, which implements the Fair Credit Reporting Act, and the Electronic Fund Transfer Act. 


The CFPB is seeking monetary relief for consumers, such as restitution or return of funds, disgorgement or compensation for unjust gains, injunctive relief, and civil money penalties.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
his address does not belong to me and has been reported in error. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I am requesting an investigation into this matter and the immediate removal of this inaccurate information from my credit report. To assist in your investigation, I am including the following documents as proof of my current address : A copy of my government-issued ID ( e.g., drivers license ) A recent utility bill or bank statement showing my current address This incorrect address XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is causing unnecessary confusion and does not accurately reflect my credit profile. I ask that you complete this investigation within the 30-day period required by law and provide me with an updated copy of my credit report showing the correction. Please notify me in writing once the correction has been made or if additional information is needed.

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 2025-01-10 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: CL Holdings LLC
State: VA

Complaint narrative:
This company was removed from all 3 of my reports due to fraudulent information and data breach at XXXX that released sensitive information. I've already filed multiple claims with XXXX due to the breach. However, this has returned back on my report recently after it has already been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have asked for XXXX to remove items from my credit report and sent them report XXXX  proof and they refuse to move it.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have asked for XXXX to remove items from my credit report and sent them report symptom proof and they refuse to move it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: NV

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. 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 states. I did not provide written consent to report them. 
"

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 2025-01-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX Citibank XXXX card services charged my credit card account with {$500.00} balance transfer using a convenient check. I have opened a fraud transaction claim with Citibank best buy credit card section and mailed the requested documents. 

On XX/XX/XXXX they adjusted the {$500.00} charge and the free {$25.00} during the investigation. 
On XX/XX/XXXX Citibank rejected my claim, and in XXXX statement they charged my account {$500.00} twice, making my balance now to {$1000.00}. 

I reopened the claim again and mailed the documents requested by the security team and got the claim rejected second time. 

on XX/XX/XXXX, I filed a case with XXXX XXXX police department reporting the fraudulent transaction ; Case # XXXX I reopened the case third time and I received an acknowledgment on XX/XX/XXXX from Citibank saying they are investigating the issue. On the same day I received another request to send my driving license copy ; this time I both mailed and faxed the documents ( including the police report ). 

In my XX/XX/XXXX statement, my account got adjusted {$500.00} transaction and reversed {$2.00} interest charged. {$500.00} was still pending. 

On XX/XX/XXXX, the investigation concluded in favour of me and I received a letter from from the bank mentioning the same. {$500.00} was still pending. 

I called the security operation and talked to a supervisor ; she checked the whole case and reversed the remaining {$500.00}, {$25.00} balance fee and {$9.00} charged interest. 

I was making {$100.00} payment every month to satisfy more than the minimum payment to avoid credit issues. By the time the case concluded I over paid {$320.00} and same amount was reflected as a negative balance in my account. 

Upon checking my account on XXXX XX/XX/XXXX, I found out that Citibank again put the Initial transaction {$500.00} dated XX/XX/XXXX in my XX/XX/XXXX statement. 

I called the security operations on XXXX XX/XX/XXXX, explained the whole story to another supervisor; got an assurance that it shouldn't have happened ; he will take care of it. 

On Friday XXXX XX/XX/XXXX I checked my account; little to my surprise, Citibank added the second {$500.00} transaction which reversed dated XXXX XXXX XXXXback to my account. 

The bank security operations team is a joke. I have no idea what to do and who to reach out to. Please help. 

I have spend more than enough time on this, I am exhausted mentally. I am afraid that they keep on adding transaction in my account. 

Note : I requested Citibank to put my XXXX credit card on freeze the day I started the fraud claim and never used.

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 2025-01-10 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: TX

Complaint narrative:
These companies are in violation of Tittle 15 USC 1681 ( a ) of any transaction between the creditor and me are required to be excluded from your credit report. Also violation of 15 USC 1681 ( b ) which is the Permissible Purposes for what is reported on a Consumer Report which is 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 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Multiple texts a week regarding debt collection from Harris & Harris for the XXXX XXXXXXXX. I have not lived in or driven in the state of Oklahoma. Sample text below : XXXX , Harris & Harris-XXXX for XXXX XXXXXXXX XXXX XXXX Balance : {$75.00} To Pay : XXXX XXXX XXXX or call XXXX Reply STOP to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I was victim of a scam Where XXXX AI told me that the support number for Robin Hood was XXXX ... ... ..... 

They Answered the phone saying Robin Hood support, can I help you? ... ... .....

Thinking I was speaking to a representative from Robin Hood, I gave them all my information and they stole {$10000.00} out of my account. Thinking they For
support representatives of Robin Hood I trusted them when they told me to enter in a debit card number which which which which which they told me would be my Robin Hood debit card. I am attaching the XXXX transfers into the debit card for {$5000.00} each. Please remember I thought this was Robin Hood I was speaking to And I trusted them. They also put some kind of Screen sharing software on my phone Which is why I think I was hacked. ... ... ...... 

Now I can't get into my account at all because I'm afraid that my cell phone has been hacked and Robin Hood will not respond to any of my requests for help so that I can get into my account ... ... ... ......

Robin Hood initially put a restriction on my account To keep it safe, but today they lifted the restriction after I told them to keep the restriction going due to the hack. Now Robin Hood was not responding to any of my emails ... ... ... ... ... ... ... ....

They do not have any phone support So I can't call anyone And I'm worried about the rest of my funds in my account ... ... ... ... ... ... ... ... ... ... .....

I went to the police and the police said that I need a fraud affidavit And Robin Hood is not responding to that request which I made a week ago to send me the fraud affidavit So I can't get help from the police and I can't get help from their support ... ... ... ... ......

Every time I try to log into my Robin Hood account, it says that it is sending a text message to my phone. I told them by email that I don't have access to my phone Because of the hacking ... ... ... ... .....

I also need to explain that Prior to the hacking When I tried to log into my account on my desktop The supposed text messages they were sending to my phone were never received. There is something wrong with their system because I have been unable to get text messages ... ... ... ... ......

I have not received any text messages from Robin Hood for quite a while And have been unable to log into that account except By the phone that has been hacked... ....

Meanwhile, {$10000.00} has been stolen out of my account and I need to recover that. robin Hood is not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: TN

Complaint narrative:
I never authorized or initiated these accounts, and it is unjust for me to bear responsibility for them. I strongly request that you resolve this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
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 non-monetary relief
Consumer complaint received 2025-01-10 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: SC

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