vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining

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 2024-05-02 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: NJ

Complaint narrative:
Im submitting a follow up to you today to inform you regarding my previous request of fixing the erroneous reporting. I already filed an FTC report in https : //www.ftc.gov, and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Beginning XX/XX/XXXX I am not receiving or have access to government funds until the XXXX of every month and I have funds deposited through SSI each month on the third of each month. 
I was told by one the workers that they can hold my money for three to seven days. 
I would like to see why Wells Fargo started this process in XXXX. I never had problems with this company before. HELP I have many screenshots and emails

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 2024-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-05-02 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$3400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX Date XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I was not able to log into my account as the Authenticator app did not work. Reached out to Robinhood couple of times ( had to stay on the phone and wait for more than 5-6 hours every day ) and they tried all methods to fix my login issue but couldnt fix it. So I asked them to transfer the account which has XXXX cash remaining to XXXX but the transfer never went through. How can I get my money back???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
There are inquiries under my name that are a result of Identity Theft in which I have no direct engagement. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see the attached documents for these inquiries I am complaining

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 2024-05-02 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: MO

Complaint narrative:
I have identified unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian and XXXX XXXX XXXX XXXX XXXX both refuse to follow FCRA governing law when it comes to repeated dispute I've filed during the past 13 months to have XXXX remove a collection that is wrecking my credit. 
I read the FCRA U.S.C sections 1681 and 611, and what rights they afford the consumer to dispute a debt and have it removed from my report. In response Experian simply keeps saying " debt verified '' rather than providing a proper response based on the requests I've made. I consider the debt being fraudulently reported as a result. As the consumer I have the right to request certain information regarding a collection reported against me such a valid contract or agreement as prrof that the debt is owed to the collection agency. I do not have any contract with XXXX so I do not by law owe them anything, and according to section 1681 if a consumer challenges an account that account can not be reported unless it meets the " exceptions '' subsection. Also when the consumer requests response for specific contractual info validating the debt is owed to the collector, section 611 supports the consumers request in which XXXX / Experian must properly respond to the dispute with information stating their position, and refuting my claim. The only response from either is the debt is valid - never a response refuting the FCRA laws I've cited. I am preparing to take legal action as the lead plaintiff in a class action lawsuit given the amount of complaints filed against Experian demonstrating their egregious behavior. They have become more of a solicitor for lenders, promoting predatory financing than an agency adhering to governing law and protecting the rights of the consumer. Their global business model is profit over consumer rights. They lack transparency - the consumer has no idea what CRAs are doing in the backgroung to properly investigate a dispute and inform the consumer. This needs to stop and I hope the CFPB will back me up on exposing who and what Experian really is and their egregious practices. Finally, their practice is to use delay tactics wherever possible. Not once have they responded to me that I have mis-cited the law. Not even their legal department, which I've also sent correspondence to, citing governing law.

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 2024-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Theee fraudulent transactions was taken from 2 banks XXXX and USAA for XXXX fraudulent transactions. A police report was done on all three transactions and a XXXX report filed for the three transactions that was fraudulent taken from my accounts. I have tried to work with both XXXX and the banks to retrieve the funds that was taken from my accounts.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX XXXX XXXX : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX  Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
On XXXX of XXXXXXXX XXXX we received License No. XXXX from XXXX that has XXXX that Citibank , N.A . is authorized to return the funds to the originator at a non-blocked financial institution where the originator is able to demonstrate they maintain an account. On XXXX of XXXX, XXXX we have sent an email asking CITY to release our funds and send it to our non-sanctioned account opened with XXXX XXXX ( XXXX ) XXXX details for USD payment : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX. 
On XXXX of XXXX, XXXX CITY sent a response to my inquiry which states that the funds have been released as of XX/XX/2024, with a return of XXXX {$57000.00} remitted to XXXX XXXX XXXX  ' XXXX, XXXX per the rerouting directions we were given. 
In our turn, as we didn't received money yet, we asked CITY to share with us transaction details and to send us XXXX ( XXXX message ) In response they asked us to wait 15 calendar days for an answer.

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 2024-05-02 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: VA

Complaint narrative:
I don't recognized or have giving any authorization for this company to run my credit. 
Experian hard Inquires : XXXX XXXX XXXX XX/XX/XXXX XXXX Hard Inquires : XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-05-02 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:
Upon reviewing my credit report today. XXXX XXXX XXXX, I noticed the information given is incorrect and is affecting my credit score. According to the fair credit reporting act, whenever a credit reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy. The accounts displaying inaccurate information are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also according to 15 USC 1681s-2A A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable belief the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: MD

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: FL

Complaint narrative:
What is this account? I checked my reports monthly and I still see this very inccurate and incomplete account reporting in my credit file. I urge your team to remove this as soon as possible. Let us work this out and help me start a cleat slate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2024-05-02 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: MA

Complaint narrative:
In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX Account # XXXX. 

XXXX XXXXXXXX XXXX XXXX  Account # XXXX. 

XXXX XXXX Account # XXXX Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

the U.S.C 1681 604 a section 2 : it also states a Comsumer reporting agent can not found a account without my written instructions.

15 U.S.C 1681 section 2 : it also states a Comsumer reporting agency can not furnish a account without my written instructions.

15 U.S.C.1681section state no consumer reporting agency may make any of the following item of information any other advice item of information, any other advance item of information, other records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

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 2024-05-02 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: FL

Complaint narrative:
What is this account? I checked my reports monthly and I still see this very inccurate and incomplete account reporting in my credit file. I urge your team to remove this as soon as possible. Let us work this out and help me start a cleat slate.

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 2024-05-02 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: FL

Complaint narrative:
What is this account? I checked my reports monthly and I still see this very inccurate and incomplete account reporting in my credit file. I urge your team to remove this as soon as possible. Let us work this out and help me start a cleat slate.

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 2024-05-02 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: IL

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