vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.

Complaint narrative:
I have had an account with Robinhood for several years. I put in a trade to sell a couple of my stocks. Then the next day {$3900.00} was transfered to my bank account and my account was permanently closed leaving a balance of {$4100.00} in my account. I have been able to get resolution to my problem. I just want to retrieve ALL of my funds. I did not want to close this account and i dont know why they closed it. HOwever it is closed and there is a balance of {$4100.00} left in my account that belongs to me and i have asked several times for this to be transferred to my bank account listed in the Robinhood system. I can not get support to understand that the instructions they are providing do no exist in my APP. i need to speak to a live person and not email or virtual chat. this has been going on for 2 months now and i need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NC

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 : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-30 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: Collection Bureau of the Hudson Valley, Inc.
State: CT

Complaint narrative:
In approximately XX/XX/year> I got a notification from a credit monitoring that a new derogatory remark was left on my report by CBHV. I called the number on my credit report and reached CBHV and requested documentation to validate this debt in question. At that time they were given all up-to-date information as to my address and phone number. It is now XX/XX/year> and I still have not received any documentation from CBHV validating this debt. The only thing they provided me was an email from the original creditor, which showed I owed a XXXX balance. I have been in contact with CBHV on at least three occasions, and nobody seems to be able to give me a valid explanation or paperwork. In the beginning stages, customer service was satisfactory. However, after disputing their numbers, they have become agitated and I am unable to work with them. Theyre very derogatory. They can not validate the debt, and they are telling me to pay what I think I owe and dispute the rest. The numbers do not match up and you can not pay debt that you cant get validation of. The last conversation I had with CBHV was not very helpful, the representative didnt seem to care that I had circumstances that limited my ability to speak with her that day. She became very agitated and disrespectful regarding my situation. At that point, I asked her for no further communication unless they could provide me with documentation via the mail proving this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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:
I have disputed several delinquent accounts that are in collections on my credit report. My information was stolen by hackers in several data breaches. My credit has been bad ever since.

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 2024-12-30 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: FL

Complaint narrative:
I am filing this complaint regarding TransUnions grossly inaccurate and fraudulent reporting of a XXXX XXXX XXXX account on my credit report. 
XXXX XXXX XXXX : XXXX Incorrect Status Reporting : TransUnion is reporting the account as open with XXXX late payments, while simultaneously listing the account as closed/charged off. 
This contradictory reporting is not only inaccurate but has also caused significant damage to my credit score, further compounding financial harm. 
Account Ownership Discrepancy : I have only XXXX legitimate XXXX XXXX XXXX account, yet TransUnion is reporting XXXX accounts. 
XXXX of these accounts is entirely unverifiable, as I do not own it, nor does XXXX XXXX XXXX have any record of it. 
Violation of Federal Law : Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. Reporting an unverifiable account and contradictory account details clearly violates this requirement.

Additionally, 15 U.S.C. 1681i ( 5 ) ( A ) mandates that TransUnion delete or correct information that can not be verified during a dispute. Despite my formal disputes, these inaccuracies persist. 
Failure to Verify Ownership : TransUnion has failed to provide any documentation or proof that I own the second XXXX XXXX XXXX account, as required under 15 U.S.C. 1681b.

These reporting failures have had a devastating impact on my credit score and financial health. Despite my attempts to resolve these issues directly with TransUnion, they have refused to take corrective action.

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 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/XXXX I start receiving emails from a company Resurgent Capitol Services. Saying i owe a debt. My bills are paid and this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am a victim of identity theft. Someone has been opening accounts in my name for months, and all of them have used Experian as the reporting agency to run my credit. Also, among the fraudulent accounts was a checking account that was opened with Experian. 

On XX/XX/year> I received an email indicating that someone had changed my online account information with Experian. I attempted to login to my Experian account, but the email address and phone number used to confirm my identity in Experians online system had been changed. Since this time, I have requested that Experian ( a ) place an extended fraud alert on my Experian credit file and ( b ) correct my online account information so that I can regain control of my Experian account/credit file. An email and/or phone number are necessary to request or remove a credit freeze online or by phone. Because a hacker changed my email and phone number, I am unable to confirm my identity and access my account. 

Since XX/XX/year>, I have called Experian numerous times to request access to my account. Most times I am unable to connect with a human being, and the automated phone menu does not have an option that addresses this situation. On the few occasions that I have been able to connect with a human being at Experian by phone, I am told that ( a ) my issue is being handled by Experians investigative unit, ( b ) I can not speak with anyone at the investigative unit and ( c ) nothing else can be done. 

On XX/XX/year> I sent Experian a letter via certified mail ( with proof of identity included ) requesting ( a ) correction of certain information on my credit report, ( b ) that an extended fraud alert be placed on my account and ( c ) that I be re-granted control over my account. 

On XX/XX/year>, XX/XX/year> and XX/XX/year> I sent emails to Experian at eSupport@experian.com asking that I be re-granted access to my account. 

Experian has responded by sending me updated credit reports with some information corrected, but has done nothing to address my account access issue or an extended fraud alert.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have been trying to get my money out of my truist savings accounts for 3 months and each time they give me a deadline to when they are going to resolve my issue it always gets pushed back and I'm getting no where. XXXX in XXXX of 2024 they had me step into branch by saying if I go in I can withdraw my money from the account they closed without informing me which I still have XXXX sitting in there that I can't access. On the XXXX of XXXX I was told it would be fixed by the XXXX and it wasn't then I was told on the XXXX that it would be fixed and the funds released to me by the XXXX and it still wasn't.

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 2024-12-30 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: WA

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 : 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 2024-12-30 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:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer 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 explanation
Consumer complaint received 2024-12-30 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: IL

Complaint narrative:
Unauthorized inquiries on XX/XX/XXXX from XXXX, XX/XX/XXXX from XXXX and XX/XX/XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: MA

Complaint narrative:
LexisNexis is reporting inaccurate information regarding accounts and personal information about me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
My information was leaked in a data breach and there are incorrect late payments and charge offs on my account. Under 15 USC it states that governs accors to XXXX XXXX XXXX records and promotes accuracy, fairness, and the privacy of personal normation assembled by Credit Reporting. I ask that all of this incorrect information 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 2024-12-30 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 urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as such, I request that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). The information associated with these accounts is no longer authorized and should be removed from my credit report immediately.

The following inquiries have been identified as a result of the data breach, and I request that they be blocked and deleted from my credit file : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-30 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: GA

Complaint narrative:
I am writing to notify you that I am a victim of a data breach, and as such, I request that the following accounts be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). The information associated with these accounts is no longer authorized and should be removed from my credit report immediately. 
The following inquiries have been identified as a result of the data breach, and I request that they be blocked and deleted from my credit file : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 U.S.C 1681 section 602 A. States I have the right to privacy. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher XXXX XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX XXXX Creditor/Furnisher : XXXX XXXX Creditor/Furnisher : 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2024-12-30 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: MA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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