vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-07 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: TX

Complaint narrative:
Equifax is reporting the same account twice with two different opening dates. I requested these accounts to be deleted but Equifax failed to respond. 



XXXX XXXX Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 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: CA

Complaint narrative:
I opened an account with Robinhood to trade cryptocurrency, They restricted my account over XXXX  days ago and said it was for my safety and asked me to provide via their app, a photo selfie and my ID and bank information. I provided all the information and account still restricted and they keep pushing the day of resolving iin the app, it is impossible to get a hold of them Via phone call email or the app I need access to my funds. 
I did some research in the Internet and it looks like many people have the same problem I have around {$1500.00} locked in on their app and I am losing money as I couldnt enter a trade that was making me money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: 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 USC 1681.

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.

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 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
For equifax because I had separate issues my end I was advised to call or in writing or in person do most things. ( XXXX XXXX etc ) however I have not been able to log in to equifax because my phone was temporarily out of service past my control so I hope that if I am able to login if needed I can have the same number and email on the account to be able to access when needed. I had a mess for a couple months and email and phone are mine however they are not capable to work with what they have at this time. Incoming calls also are monitored and going to voicemail and may not get until the next day for anyone I need to update them. I tried both numbers and they will not answer. Unbiased I merely would like to request that someone step in and update the number and email so I can if possible work with them otherwise it is not possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: GA

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.

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.

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 2024-12-07 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: GA

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.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: OH

Complaint narrative:
I am XXXX XXXX, a consumer. The company Security Credit Services has somehow obtained my personal information unlawfully and has furnished an unknown, unverified collection account to my credit report. The collection account includes an alleged debt and other false and misleading information ; which is a crime punishable by penalty and jail time for the one who is responsible at the company. The reporting of the false information has damaged my name. I want to be compensated for my suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-12-07 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: SC

Complaint narrative:
I am writing to formally request the intervention of the Consumer Financial Protection Bureau ( CFPB ) in addressing a matter of negligence and non-compliance by TransUnion. Despite my repeated disputes, supported by extensive documentation, both agencies have failed to remove fraudulent accounts and unauthorized hard inquiries from my credit reports. 
I have submitted ample evidence to TransUnion including : Federal Trade Commission ( FTC ) Identity Theft Report Police Report Bank Statement Social Security Card Government-Issued Identification ( ID ) XXXXXXXX XXXX XXXX XXXX proving I was XXXX XXXX XXXX XXXXXXXX in XXXX during the time a fraudulent XXXX XXXX account and other accounts were opened.

Despite providing this overwhelming documentation, these credit bureaus have continued to report erroneous accounts and inquiries, causing severe harm to my creditworthiness. Specific fraudulent entries include : 1. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is clear that TransUnion has failed in their legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of my credit report and investigate disputes promptly and thoroughly. Their negligence has resulted in ongoing financial harm, including : Credit score damage Inability to secure credit Emotional distress I demand that the CFPB take immediate action to hold TransUnion accountable for their failure to resolve this matter. Specifically, I request : 1. Removal of all fraudulent accounts and hard inquiries identified above.

2. A full investigation into the compliance failures of these credit bureaus.

3. Assistance in ensuring that both agencies prevent future inaccuracies in my credit report. 
I have attached copies of the supporting documentation submitted to TransUnion and XXXX for your reference. 
Thank you for your immediate attention to this critical matter. Should you need further information or clarification, please do not hesitate to contact me directly.

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 2024-12-07 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: NC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections accounts at XXXX XXXX XXXXXXXX opened on XX/XX/XXXX under the account number XXXX with a balance of {$630.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
About XXXX XXXX my XXXX XXXX XXXX XXXX  was stolen and was used for over {$8000.00}. Few days later the automatic service from double cash called me informing me that they see suspicious purchases. The same day I called customer service and reported that the purchases weren't mine and that they should close the card and send me another one.The representative didn't close it. Weeks later I noticed a lot of purchases on my statement. Again, I called back double cash credit card to inform them that the purchases weren't mine. I also called XXXX and reported the stolen items on my credit card statement. The thief was arrested and charged for credit card fraud. He plead guilty. Over and over a again, I reported that to the credit card company. I constantly call them about my case, and they told me that my case is under investigation. That is whenever I do get someone. Sometimes they transfered me to all these different numbers, and no one answered. Sometime I would be on the phone for avery a long time holding on, but no one answered, or the machine cut me off. Now they messed up my credit by sending me to collection. About XXXX or XXXX I spoke with a customer service from the credit card company. I told customer service that the auto pay is taking money from my checking account, even though, my card is on dispute. The representative took off the auto pay for me. Now they put my credit card into collection and mess up my credit. Furthermore, all the money that the auto pay took from my account for over a year should be refund back to me. It is over a year now, and up to this date my credit card account has not been resolve. As a matter of fact, I have not used XXXX XXXX XXXX XXXX, since early XX/XX/year> because of the fraud on my account. Please look into this matter for me. Thanks.

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 monetary relief
Consumer complaint received 2024-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: WV

Complaint narrative:
We had a Presidentially Declared Disaster on XX/XX/2024 in XXXX XXXX, XXXX  which is FEMA Disaster # XXXX. My home sustained extensive flood, wind, water, and mold damages all VERIFIED by a FEMA INSPECTOR. My family was displaced living in hotels and with family and friends, paying out of pocket for everything. I filed a claim with my homeowners insurance and was denied because I do not have flood coverage ( we do not live in a flood zone ). We applied for SBA Disaster loans and was denied because our credit scores were a couple points away from SBA Guidelines ( SBA IS A JOKE ). We applied for and received very little help from FEMA, roughly {$7000.00}. We have losses well over {$100000.00} and I can not get any help from the Federal Government ( FEMA, SBA, DHHR ). My family of XXXX have been living off the small amount of Social Security XXXX benefits we receive as my wife lost all her business equipment in the flood and unable to financially contribute. I applied and was approved for a Disaster Forbearance from US BANK temporarily stopping payments. Mortgage Lenders are not supposed to negatively report to the credit bureaus while borrowers are going through disaster turmoil. US Bank is not following these guidelines. They are reporting to the credit bureaus 30 and 60 days lates for XXXX, XXXX, XXXX and XXXX. All these months they are reporting are disaster months. THUS, making it impossible for me to help myself and my family. I have applied to countless Mortgage Lenders for a Cashout Refinance, HELOCS, and home equity loans to get funds to repair my property and catch up our many bills. NO LENDER WILL LEND TO ME BECAUSE US BANK IS WRONGFULLY NEGATIVELY REPORTING LATE PAYMENTS. ITS IMPOSSIBLE TO GET ANY MORTGAGE LOAN OR REFI IF YOU HAVE MORTGAGE LATES SHOWING ON YOUR CREDIT REPORT FOR THE PAST 12 months.

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 2024-12-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
I began receiving debt collections calls in XX/XX/2022 time frame for {$3400.00} from XXXX. I have never once opened any type of account with XXXX. I went into the store and they gave me all of the information that an account was opened with my identity and a bunch of equipment was purchased and never paid for. They closed the account but that was all they could do. 

I had the collections removed from XXXX and XXXX and XXXX I thought, but it has just popped up on XXXX under a new debt collections company. I do not owe this money and I dont know how to get this out of collections off of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Complaint against Zelle Zelle money transfer {$2000.00} sent to wrong phone number : I was trying to transfer money to my spouse ( XXXX XXXX ) phone number - XXXX, I was using Zelle on XXXX XXXX on my XXXX XXXXXXXX XXXX XXXX. During the transfer the name of recipient was showing as my spouse name and number also my spouse number. But as soon as I pressed Send - the transaction started showing different name - " XXXX XXXX XXXX '' and the money was sent to wrong phone number - XXXX Date of transaction - XXXX Transaction number- XXXX Amount = {$2000.00} The money never reached my spouse account. I have reached out to XXXX XXXX  several times, but they keep saying they can not guarantee refund of money and keep closing my claims. I do not know that person ( XXXX ), I reached out to the person at their number ( XXXX ) and they have conveyed by message they are ok to return the money but they want zelle to process the claim for the funds ( i have proof of the chat messages ). I have tried to call and sent multiple messages from email, but Zelle keep saying only XXXX can help But XXXX  has closed my claim ( XXXX ) and are not helping with this. 
always replies case is closed and they will not help with refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-07 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: NY

Complaint narrative:
Greetings Everyone. TransUnion has victimized me a second and third time regarding my identity theft status. Its certainly my right to request a block or deletion of fraudulent information from my credit report and also stop a company from reporting information resulting from identity theft. Now, The Fair Credit Reporting Act outlines the rights that identity theft victims, and for those who certainly believe they are victims, have. The XXXX XXXX XXXX accounts, XXXX XXXX and XXXX XXXX XXXX should be removed effectively given it's fraudulent nature. Thank you.

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 2024-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I do not have the original dates of this debacle, but I am certain Portfolio Recovery Associates , LLC can provide an accurate timeline and related materials. 

My XXXX account was apparently hacked and charges were added to my account unknown to me. The hacker changed my contact address to another location that was nonexistent. When confronted with the newly added debt, I denied it as mine, but after months of contesting the ownership of this debt, it was taken over by XXXX XXXX and the war started all over again. I appealed the action, but was unsuccessful in my attempts to have this debt removed. 

I entered into a payment plan with XXXX XXXX and dutifully paid every month without any issues until this month when I was contacted via telephone by a person identifying themselves as a representative of XXXX XXXX. The representative informed me that the debit card I had provided them for the monthly charges had been denied in XXXX. I told the representative that she once again had incorrect information in reference to me. I use that debit card regularly and have not personally experienced any rejections. 

I told her I would not conduct any further communication with them other than through the post office, because I do have their address in XXXX, VA where I have mailed additional payments via checks to hasten the payoff on this sham action. She told me that because my card was rejected, she had no information on the account after that date. She requested another debit card and I refused. The last check I mailed them on XX/XX/XXXX has not been processed. That is very suspicious to me. 


I have requested all future correspondence be through the post office. I will not give them another debit card to enable them to falsely contact me. I would prefer they just erase the small balance that remains and leave me alone.

Company response to consumer: Closed with non-monetary relief