vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-23 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: NJ

Complaint narrative:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-05-23 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: MI

Complaint narrative:
DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO XXXX, AND TRANSUNION, UNFORTUNATELY, THE UNAUTHORIZED INQUIRIES STILL REPORTING IN MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS CONSUMER. 

THE FOLLOWING INQUIRIES ARE NOT AUTHORIZED : XXXX. 
XXXX. The inquiry was not authorized CARD ASSET Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

TRANSUNION XXXX. The inquiry was not authorized CARD ASSET Date of inquiry : XX/XX/2023 Please remove it from my 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 explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
My account is being closed for reasons I dont know and I cant withdraw my money I put in there with my debit card. I verified my identity and gave them the documentation needed! I got robbed of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally lodge a complaint against Experian for their use of stall letters in response to my legitimate disputes, which has significantly delayed the credit correction process more than twice ( XXXX  plus + days ). Despite providing all necessary identification information, Experian has consistently failed to remove inaccurate items from my credit report, which is not only frustrating but also against the law. I have even submitted all required identity documents within my dispute letter, assuring that the letters are from me. 

These actions by Experian have undermined the integrity of the banking system and have violated multiple federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). I believe that their conduct has breached at least the following five provisions of the FCRA within 15 U.S. Code 1681c. 

Despite multiple attempts to resolve these issues, including the submission of my identification information, Experian has persisted in its use of stall letters as a tactic to delay compliance with my legitimate requests. This behavior not only demonstrates a blatant disregard for legal requirements but also significantly impacts my financial well-being. 

I request that the Consumer Financial Protection Bureau take immediate action to investigate Experian 's practices and enforce compliance with federal laws. I urge you to compel Experian to promptly address and correct the inaccuracies in my credit report and to cease using stall tactics in response to consumer disputes. Furthermore, remove all accounts that are not complaint with Metro2 reporting. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and will provide any further documentation or information required to support my complaint.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Momnt Technologies, Inc.
State: AZ

Complaint narrative:
This is a fraudulent charge from Momnt to XXXX XXXX XXXX XXXXXXXX. On XX/XX/23, I informed Momnt that the services for the {$29000.00} sent to the dental office ( where I am not a patient ) were never provided. Despite not signing the XXXXXXXX XXXX XXXX XXXX XXXX Receipt attached to the Inactive Treatment Plan, the company has refused to refund the full amount of {$29000.00}. This transaction originated when my mother requested that I co-sign for her dental work at XXXX XXXX XXXX XXXXXXXX. During my conversation with financial consultant XXXX, I was misled to believe that the loan application link sent to me was solely for co-signing purposes. However, upon receiving the completed loan documents, it became evident that I was the primary and sole borrower for the line of credit. Consequently, I declined to sign the XXXX XXXX XXXX XXXXXXXX XXXX Receipt as I was misled during the financing process. 

I am not and have never been a patient of XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX ), and I have no financial obligations to this establishment. All financial obligations should be directed towards the patient only. 

Despite me NEVER signing the merchant 's contract, XXXX XXXX XXXX XXXXXXXX refused to refund the funds, and Momnt did not take any action to retrieve the funds from the dental office. I did not directly nor indirectly benefit from any funds dispursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: NJ

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXXXXXX : XXXX, XXXX XXXX : XXXX, Current : XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXXhas violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

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 2024-05-23 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: IL

Complaint narrative:
there are a series of unauthorized Inquiries on all 3 of the credit reporting companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I want these inquiries deleted.

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 2024-05-23 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: IL

Complaint narrative:
there are a series of unauthorized Inquiries on all 3 of the credit reporting companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I want these inquiries deleted.

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 2024-05-23 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: OneMain Finance Corporation
State: MI

Complaint narrative:
I recently have looked at my credit report there is multiple inquirys that were not made by me. 
The second thing is one of my accounts one main financial. shows a late payment and is incorrect. I called they said they would fix it but only updated with XXXX but not XXXX XXXX or XXXX 
1 : their was a hard inquiry from XXXX. This was not done by me 2. There was a hard inquiry by XXXX XXXX done not by me 3. There was a hard inquiry by XXXX XXXX done not by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: NJ

Complaint narrative:
I have diligently followed all necessary procedures in disputing these accounts. I've contacted the bank, which assured me the issue was resolved. I've also reported the matter to law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with Equifax, who complied with legal requirements and removed the accounts. However, Equifax is presenting obstacles, claiming I haven't completed all the necessary steps. 
Despite the legal leniency towards banks and credit reporting agencies, I'm hesitant to pursue a lawsuit. I have repeatedly submitted my claim to Equifax over the past six months, yet I remain stuck. Each time, I receive a dismissive response alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears Equifax is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I have reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
FRAUDULENT ACTIVITY OCCURED WITH MY CHECKING ACCOUNT. I WAS AROUND SOMEONE ( NAME, ADDRESS AND PHONE # PROVIDED ) WHO WITHDREW {$2000.00} FROM MY CHECKING ACCOUNT FROM XXXX XXXX IN DELAWARE. I WAS NOT AWARE OF THIS PERSON GUESSING OR KNOWING MY PIN # TO WITHDRAW FUNDS AND ALSO DID NOT AUTHORIZE THEM TO USE MY CARD WITHOUT MY PERMISSION. DUE TO MY PIN BEING THE SAME FOR MY CARD AND PHONE, THEY WERE ALSO ABLE TO SEND FUNDS VIA XXXX XXXX  IN THE AMOUNT OF {$1700.00}. I REPORTED AND FILED A POLICE REPORT WITH XXXX POLICE DEPT. AND DETECTIVE XXXX CAN BE REACHED FOR CONFIRMATION. I SHOULD NOT BE HELD RESPONSIBLE FOR SOMEONE USING MY CARD WITHOUT MY AUTHORIZATION. I WAS NOT AWARE OF THIS UNTIL I CHECKED MY CHECKING ACCOUNT. THIS PERSON ALSO STOLE MY PHONE IN THE PROCESS, WHICH MADE IT HARD FOR ME TO MONITOR ANY TRANSACTIONS THAT OCCURED WITH MY DEBIT CARD. 

I HAVE BEEN A NAVY FEDERAL CREDIT UNION MEMBER FOR YEARS AND HAVE NUMEROUS CREDIT CARDS, LOANS, AND ALSO CDS. ITS VERY UPSETTING TO KNOW THAT MY CLAIM WAS DENIED. I WORK EXTREMELY HARD FOR MY MONEY AND TO ALLOW SOMEONE TO TAKE IT FROM ME IS ABSURD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I recently received a copy of my XXXX and XXXX credit report, and I noticed some transactions posted on my credit report that has excluded my federal laws to my consumer report. 

Name of Account : JPMCB CARD Account Number : XXXX This company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) ExCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they reported transactions from account # XXXX to my consumer report. 

I need these transactions deleted from my consumer report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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: LEXISNEXIS
State: MI

Complaint narrative:
LexisNexis continues to report incorrect names that do not belong to me. I previously provided proof of this. I will not provide any other notice besides this last one to remove every name but XXXX XXXX. If you do not this is your notice I will sue LexisNexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This is a fraudulent charge from XXXX toXX/XX/XXXXXXXX. On XX/XX/year>, I informed XXXX that the services for the {$29000.00} sent to the dental office ( where I am not a patient ) were never provided. Despite not signing the XX/XX/XXXXXXXX Receipt attached to the Inactive Treatment Plan, the company has refused to refund the full amount of {$29000.00}. This transaction originated when my mother requested that I co-sign for her dental work at XX/XX/XXXXXXXX. During my conversation with financial consultant XXXX, I was misled to believe that the loan application link sent to me was solely for co-signing purposes. However, upon receiving the completed loan documents, it became evident that I was the primary and sole borrower for the line of credit. Consequently, I declined to sign the XX/XX/XXXX XXXX Receipt as I was misled during the financing process. 

I am not and have never been a patient of XX/XX/XXXXXXXX ( XX/XX/XXXX ), and I have no financial obligations to this establishment. All financial obligations should be directed towards the patient only. 

Despite me NEVER signing the merchant 's contract,XX/XX/XXXXXXXX refused to refund the funds, and XXXX did not take any action to retrieve the funds from the dental office. I did not directly nor indirectly benefit from any funds dispursed.

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 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is a fraudulent charge from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, I informed XXXX that the services for the {$29000.00} sent to the dental office ( where I am not a patient ) were never provided. Despite not signing the More Smiles of XXXX XXXX Receipt attached to the Inactive Treatment Plan, the company has refused to refund the full amount of {$29000.00}. This transaction originated when my mother requested that I co-sign for her dental work at XXXX XXXX XXXX XXXX. During my conversation with financial consultant XXXX, I was misled to believe that the loan application link sent to me was solely for co-signing purposes. However, upon receiving the completed loan documents, it became evident that I was the primary and sole borrower for the line of credit. Consequently, I declined to sign the More Smiles of XXXX XXXX Receipt as I was misled during the financing process. 

I am not and have never been a patient of More Smiles of XXXX ( XXXX Smiles and Health PC ), and I have no financial obligations to this establishment. All financial obligations should be directed towards the patient only. 

Despite me NEVER signing the merchant 's contract, More Smiles of XXXX refused to refund the funds, and XXXX did not take any action to retrieve the funds from the dental office. I did not directly nor indirectly benefit from any funds dispursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is a fraudulent charge from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/23, I informed XXXX that the services for the {$29000.00} sent to the XXXX XXXX ( where I am not a patient ) were never provided. Despite not signing the XXXX XXXX XXXX XXXX XXXX XXXX attached to the Inactive XXXX  Plan, the company has refused to refund the full amount of {$29000.00}. This transaction originated when my mother requested that I co-sign for her dental work at XXXX XXXX XXXX XXXX. During my conversation with financial consultant XXXX, I was misled to believe that the loan application link sent to me was solely for co-signing purposes. However, upon receiving the completed loan documents, it became evident that I was the primary and sole borrower for the line of credit. Consequently, I declined to sign the XXXX XXXX XXXX XXXX XXXX XXXX as I was misled during the financing process. 

I am not and have never been a patient of XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX  ), and I have no financial obligations to this establishment. All financial obligations should be directed towards the patient only. 

Despite me NEVER signing the merchant 's contract, XXXX XXXX XXXX  XXXX refused to refund the funds, and XXXX did not take any action to retrieve the funds from the XXXX XXXX. I did not directly nor indirectly benefit from any funds dispursed.

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