vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Self Financial Inc.
State: FL

Complaint narrative:
Account # XXXX Account Status CLOSED Payment Status Current Balance Owed {$0.00} Payment Amount {$0.00} Credit Limit -- Recent Payment History XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - Days Late - 7 Year History : XXXX : XXXX XXXX : XXXX XXXX : XXXX View Complete History Creditor Remarks Closed Account Type Secured Last Payment XX/XX/XXXX Account Verified XX/XX/XXXX Date Opened XX/XX/XXXX High Balance {$720.00} Term Length 24 Month ( XXXX ) Payment Frequency Monthly Account Rating Paid or paying as agreed Account Description Individual account, Ins as per sections 609 ( e ), 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Please investigate this matter and correct the fraudulent [ charge/debit ] as soon as possible and delete from all credit reporting bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: MI

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: EQUIFAX, INC.
State: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
Collections accounts that are not mine from a hospital

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry : XXXX XXXX XXXX XX/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 2025-01-09 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:
i have called experian over XXXX times within the last few months in regards to fruadulant address being reported on my credit report, they are refusing to remove all the fraudulant addresses that are connected to me by fruad, experian keeps tellinng me that the addresses are verified and must remian on my credit report. i have filed an ftc report stating that these addeses are fruad and to please remove these addresses and block them, and yet they are still refusing to remove them as well.

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 2025-01-09 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: SC

Complaint narrative:
I was looking at my Transunion credit report and discovered a fraud collection account on my Transunion credit report. The account is XXXX in the amount of {$600.00}. I contacted XXXX and tried to dispute it with them but they denied me the account number and other information. This account was open up to attempt to do fraud in my name.

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 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, at approximately around XXXXXXXX XXXX, I attempted a cash deposit at the Navy Federal walk-up ATM ( The address for this Navy Federal location is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The amount of this was exactly {$650.00} that was my sister 's part of our monthly rent payment. She was having technical issues of her own of not being able to use her XXXX to transfer me the money, and after being on hold with Navy Federal customer service for almost an hour, she decided to withdraw the amount in cash. She handed it off to me right in the Navy Federal parking lot and I went straight to the ATM. 

I began the process of the deposit and gave the {$650.00} to the ATM. While I was standing and waiting I read the sign saying that " Deposits after XXXX XXXX  will not show until the next business day '' and since it doesn't specify that statement is meant for check deposits ONLY, I misunderstood. I glance at my phone to see it's around XXXXXXXX XXXX  and I frantically began pressing the " cancel '' button on the ATM about 5 times. As the ATM continued to count the money, I waited and it happened to not accept a {$50.00} bill. The screen then shows there is {$600.00} counted in the system and it has the XXXX XXXX options on the screen for if I would like to continue the transaction or cancel it. This is where the issue occurs. After hitting cancel, I presumed the machine was distributing back the full {$600.00}. To my dismay, I would realize that I was completely short {$100.00}. I thought it was odd, because after the ATM returned back {$500.00}, it kept whirring like more was going to come out but nothing never did. After counting the only XXXX {$50.00} bills probably about XXXX times, I went inside to let a bank clerk know what happened and they had started a claim. I was told that they would have to audit the ATM and that I could try calling to receive a temporary credit ( so I can be able to pay my rent on time ) but after doing that, I was told by a representative there is nothing that can be done. After waiting to hear back about the claim and audit, after many many calls to the Navy Federal customer service to just try getting in contact with someone at the local bank as I am not able to have time to go visit the bank until the weekend, I am only told they did not find a surplus in the audit.

Meanwhile, I am still short {$100.00}. I ask Navy Federal to investigate this further, from every logged action of the ATM to any camera footage. I am missing {$100.00} because I trusted the only bank that I have an account open with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
Robinhood randomly restricted my account, I have waited XXXX days on a holding line, requested emails wont unlock my account or return my phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since the the account has repeatedly been updated as charged off every month. This is an updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitations.

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 2025-01-09 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: FL

Complaint narrative:
This account was charged off on the following date XX/XX/year>. Since the the account has repeatedly been updated as charged off every month. This is an updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The amount that was deposit to Wells Fargo ATM {$3000.00} in cash. I went ahead and called the number on the back of my card once I notice that the fund was not available. The response from that called was they cant do nothing and i cant prove that I deposited the amount.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Regarding Inaccurate Payment History XXXX XXXX  Account Dear Sir or Madam, I am writing to dispute an inaccuracy on my credit report regarding my account with XXXX XXXX. Below are the relevant account details : Account Number : XXXX Account Type : Installment ( Unsecured Loan ) Date Opened : XX/XX/XXXX Balance : {$4000.00} According to the payment history on my credit report, there are inaccuracies that need to be corrected. The information should reflect that my payment history is accurate and up to date. Specifically, I am requesting that the payment history for this account across XXXX, Experian, and XXXX be reviewed and corrected to reflect timely payments as shown in the account records. 

Thank you for your prompt attention to this matter. Should you need additional information or documentation, please contact me at XXXX or XXXX Sincerely, 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 2025-01-09 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 — Was not notified of investigation status or results
Company: LEXISNEXIS
State: MO

Complaint narrative:
XXXX XXXX will not provide me insurance with the decision based at least partially on a consumer report from LexisNexis Risk Solutions. According to Section 612 of the Fair Credit Reporting Act I am entitled to a free copy of that report. LexisNexis has rejected me that consumer report after repeated requests by me. I requested this report both through their online request url ( " XXXX '' ) but received in the mail a notice from LexisNexis that they were unable to authenticate my id even though I furnished my driver 's license number. I followed up with a phone call and they again rejected my request for the consumer report. Attached is a letter and supporting documentation.

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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and 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 account 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 these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: CA

Complaint narrative:
Under 15 USC, I am notifying you of identity theft resulting from data breaches ( Equifax, XXXX ) that led to fraudulent accounts harming my credit. Despite disputes and a 2020 police report, my claims were denied. I request these fraudulent items be permanently removed, as they unjustly impact my creditworthiness.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the accounts and inquiries reported on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and any unauthorized inquiries or accounts must be thoroughly investigated. I hereby demand verifiable proof bearing my signature or electronic signature for these actions. 

Please note that this letter is being sent directly by me, not through a third party, so I request that you review it carefully. I never authorized the actions reflected in my credit report, and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I have confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are the result of a data breach or the illegal reporting of my consumer information by creditors or third-party data furnishers. 

I respectfully request that you take immediate action to investigate and remove these unauthorized entries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-01-09 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:
Upon reviewing my credit report, I noticed an inquiry that I do not recognize and have never authorized. I have not applied for credit with this company nor given my consent for them to access my information. Discovering this has been deeply stressful and has caused me significant anxiety.

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 2025-01-09 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: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRAthat you, the all three credit reporting agencies, XXXX, XXXX and experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. On these accounts, collections, and inquiries. 
*CURRENT 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 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 explanation