vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-25 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information.

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX  - {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries DEPT OF ED - XX/XX/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 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 explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY

Complaint narrative:
A check under my name was deposited in my wifes XXXX account. 
The issuing check came from BNY Mellon Bank.

Due to this bad endorsement, her account was locked/ closed.

We submit power of attorney to XXXX, giving her permission to control my funds. 

The check clears but the account remains locked/ closed because power of attorney was supposed to be done BEFORE depositing check. 

We ask XXXX to return funds to issuing bank ( BNY Mellon ) so that BNY Mellon can issue me a new check to deposit correctly... 

XXXX says, issuing bank ( BNY MELLON ) must contact them.

We call issuing bank ( BNY MELLON ) and they say XXXX has to contact them. 

Both banks are telling us the other bank has to contact them.

We are stuck in the middle with no other action to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX ( Bank ) XX/XX/20XXXX XXXX XXXX ( Bank ) 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 2024-11-25 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: TX

Complaint narrative:
XXXX XXXX was impact by the data breach in will like all things remove asap

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 2024-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: CA

Complaint narrative:
i am listing 11 fraudulent inquiris from my Transunion and XXXX credit report ; oportun/pathward XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX this inquires do not belong to me and need to be removed from my Transunion and XXXX credit report. i called all creditors and Transunion, XXXX and was advised to fill identity theft report for deletion. i am requesting Transunion And XXXX to mark above mentioned inquires as fraudulent and delete them from my name and 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 2024-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
improper use of my credit, I already paid the full amount for which I do not owe them money, for which they have exposed incorrect information in my credit report and without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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 non-monetary relief
Consumer complaint received 2024-11-25 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: TX

Complaint narrative:
I discovered based off XXXX XXXX compliance that all the company listed below was not in compliant with XXXX XXXX that was put in place to protect us as consumers. 

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

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 non-monetary relief
Consumer complaint received 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered based off XXXX XXXX compliance that all the company listed below was not in compliant with XXXX XXXX that was put in place to protect us as consumers. 

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: NY

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 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 2024-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year> A Collection Reported On My Credit Report for the Amount Of {$370.00} From a Debt collector company that bought the debt are calling my phone and reporting this negative item on my report 15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is FIn void. DELETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-26 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-25 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: CA

Complaint narrative:
On XX/XX/year> I received a letter from XXXX XXXXXXXX XXXX, which is a debt collector for a debt that was owed to XXXX XXXX XXXX XXXX This letter states that as of XX/XX/year> the balanced owed to XXXX XXXX XXXX was {$270.00}. It also states that I the consumer either paid or was credited {$250.00} to T-Mobile. When They totaled the amount of debt owed now they did not subtract the {$250.00} credited/paid amount from the original amount owed of {$270.00}. Instead they added the credit and the amount owed and is now incorrectly reporting that I owe {$520.00}. According to 15 U.S.C 1681 ( part of the Fair Credit Reporting Act, I the consumer can dispute information on my credit report if I believe it is inaccurate, and the consumer reporting agency must then investigate and correct the information if found to be incorrect. I am asking that this account with Sources Recievables Management either be deleted for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I deposited my sole proprietor business checks into my personal checking account. The checks were accepted and said funds available tonight. The next day my account was restricted. I went into the branch to verify my identity and that I was the business owner. I was asked to fill out paperwork and did so. Then I was told that it would take up to 7 days to lift the restriction. I have not had any access to my checking account since XX/XX/year>. I can not use my debit or withdrawal funds. The balance has remained the same since XX/XX/year>, {$1800.00}. Every time I call the branch I'm told different information but no one can tell me when funds will be available. Today I was told to call the corporate XXXX number and when I called that number they told me there's nothing they can do, it's a branch hold issue.

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 2024-11-25 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: MA

Complaint narrative:
to indigate and resolve my issue with these accounts XXXX XXXX XXXX XXXX XXXXXXXX XXXX and the elimnation of the following inquirires XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> In accordance with 73 P.S.201-1-201-9-2, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing

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 2024-11-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: AR

Complaint narrative:
On XX/XX/XXXX at XXXX CST, I, XXXX XXXX , transferred 1 USDC crypto currency token from Robinhood to another account. This was successful. 

At XXXX, I was not able to transfer XXXX other USDC

due to Robinhood restrictions on my account immediately for this attempt. I contacted Robinhood through their application automated system for assistance and they requested a proof of ID, bank statements, facial scans, and a call. 

XX/XX/XXXX, I tried contacting directly but no way to access a human being for assistance I was contacted by Robinhood automated system on XX/XX/XXXX but for two hours on the line no one answered. I was I texted by
Robinhood automated system on XX/XX/XXXX but for four hours on the line no one answered and it automatically disconnected at the 4 hour mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I bought a new 2024 vehicle earlier this year with financing through PenFed. A few months before I ended up refinancing for a better rate, I purchased GAP insurance, which I am told was through XXXX XXXX. When I refinanced, I checked about a prorated refund on the GAP insurance and was told I wasn't getting anything. This seems to be a type of hostage situation if someone can't get some of their money back when they refinance, like they wouldn't refinance knowing that and thus be stuck with the higher rate through PenFed. It's also a form of theft because I was charged for a service thats need would have ended when my loan ended. Now I am stuck with needing to pay for GAP insurance again, which pretty much defeats the purpose of me trying to lower my car payment to begin with.

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 2024-11-25 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: TX

Complaint narrative:
My credit report has items that have resulted from fraud which I never benefitted from.

This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.

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 2024-11-25 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: CA

Complaint narrative:
Date : XX/XX/XXXXXXXX XXXX XXXX To Whom It May Concern : I am writing to dispute several unauthorized credit inquiries on my credit report. Upon reviewing my report, I noticed the following inquiries that I did not authorize : Details of Unauthorized Inquiries : Creditor/Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Scheduled Removal Date : [ Insert Removal Date ] Business Type : [ Insert Business Type ] Contact Information : [ Insert Address and Phone Number ] Creditor/Company Name : XXXX  Date of Inquiry : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX Business Type : Miscellaneous Reporting Agencies Contact Information : [ No address or phone number provided ] Action Requested : I kindly request that you : Remove the inquiries from my credit report. XXXX  equifax and XXXX  Provide written confirmation of the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}.

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 2024-11-25 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: MN

Complaint narrative:
I wan na to delete those inquiry from my credit report and it is on TransUnion. 

XXXX ( Bank ) XXXX XXXX XXXX ( Finance ). XXXX XXXX  ( Auto ) XXXX XXXX XXXX ( Auto ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ). XXXX XXXX ( Bank ). XXXX XXXX XXXX ( Finance ). XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Finance ) XXXX XXXX XXXX  ( Bank ). XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXXXXXX XXXX ( Bank ) XXXXXXXX XXXX XXXX ( Bank ) 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 2024-11-25 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: AZ

Complaint narrative:
On or about XX/XX/XXXX, I noticed unauthorized and fraudulent credit inquiries on my credit profile across multiple bureaus, including XXXX, Equifax, and XXXX. These inquiries include a XXXX dealership inquiry, even though I am not currently shopping for a car and never initiated this request. Additionally, I did not authorize the XXXX XXXX credit inquiry, which occurred over the weekend. I believe I am a victim of identity theft and request the immediate removal of these unauthorized inquiries. Please confirm receipt of this dispute and provide updates on the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-25 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: AZ

Complaint narrative:
On or about XX/XX/XXXX, I noticed unauthorized and fraudulent credit inquiries on my credit profile across multiple bureaus, including XXXX, XXXX, and Experian. These inquiries include a Ford dealership inquiry, even though I am not currently shopping for a car and never initiated this request. Additionally, I did not authorize the XXXX XXXX credit inquiry, which occurred over the weekend. I believe I am a victim of identity theft and request the immediate removal of these unauthorized inquiries. Please confirm receipt of this dispute and provide updates on the resolution.

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 2024-11-25 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: MN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation