vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Experian I would like a reinvestigation on following data furnishers XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX XXXX  Account  XXXX  dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigationXXXX XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX  Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigationXXXX XXXX XXXX  Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.XXXX XXXX Account  XXXX dispute reasons: Claims inaccurate information.
Claims true identity fraud/account fraudulently opened. Account involved in litigation.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Equifax Team, My First & Last name are as follows : XXXX XXXX XXXX. 



My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 



**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX XXXX delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address of : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX The addresses listed above I have not resided in. My Current Street Address are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These names and addresses has violated my rights. 

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

According to 15 USC 1681eb they are supposed to ensure this 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.

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. 16815-2 ( AX1 ) 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. 



I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made. 



I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 



Thank you for your cooperation. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Opened an account with Robinhood on XX/XX/XXXX. Order placed for {$1000.00} of bitcoin that day. On XX/XX/XXXX placed another order of {$49000.00}. Both of those orders were executed on the days they were placed. Also after the last order on XX/XX/XXXX we get an email saying account restricted, cant do anything with it. They sent another email saying that they detected unusual account activity. They would call an action was required to lift the restrictions. Someone called money bank statements ID so all that was given. That was XX/XX/XXXX but those were requested. That very same day we requested someone call us on the app link and they never did. On the XXXX they said we had violated the agreement and that they were going to determine whether or not to close our account but we werent sure exactly what that agreement violation was. On XXXX the XXXX they sent us an email saying they were. They made the decision to close our account. On the XXXX we also got another email saying the order to sale the bitcoin Was executed. Which we did not request. There were several other emails exchanged on for on this XXXX with no real answers. Only if you still have questions or concerns contact us or close your case. Weve sent several messages today, XXXX XXXX and asked repeatedly to have somebody call us and we still get no response just the same. We understand your concerns were investigating if this does not answer your questions then contact us or close your case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX 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 2024-04-24 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: NJ

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: MA

Complaint narrative:
I recently looked at my credit report ( Account # XXXX ) and noticed it was not accurately being reported. It shows one late payment on ( XX/XX/21 ) which in FACT was paid on time. The reporting agencies are required to report information with complete accuracy. Ive attached a copy of my report of this complaint on the following date ( XX/XX/21 ). Am asking for full investigation with verifiable proof, and records that show I had a late payment on ( XX/XX/21 ). If this information can not be verified I demand the late payment on ( XX/XX/21 ) to be updated to Paid immediately. 

Thank you so much for your understanding and prompt 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 explanation
Consumer complaint received 2024-04-24 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: TN

Complaint narrative:
My information was breeched by the XXXX data breech a few years ago and I've been having trouble removing the accounts listed.

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 2024-04-24 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: TN

Complaint narrative:
My information was breeched by the Equifax data breech a few years ago and I've been having trouble removing the accounts listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: CA

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 2024-04-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$460.00} This dispute is not for credit repair. These accounts do not belong to me. I have disputed these items with Equifax, XXXX, and XXXX, but the credit reporting agencies have not removed these accounts from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 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:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$82.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00}

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 2024-04-24 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: NC

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance XXXX {$82.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: CA

Complaint narrative:
I was reviewing my credit report and noticed that I had some inquires that I did not recognize

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 2024-04-24 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 2024-04-24 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
In XXXX of XXXX I contacted all three credit bureaus regarding inaccurate information that was reflecting on my credit report from my car insurance company. After speaking to supervisors from XXXX the account for XXXX XXXX was removed. However, after speaking to a supervisor from TransUnion and XXXX who assured me that the account would be removed, it has yet to be removed. As I am in the underwriting process this is causing a tremendous roadblock in my homebuying process. To date, I have not received a reply from TransUnion and XXXX and this account is still currently negatively impacting my score. I have made several attempts to rectify this issue with TransUnion and XXXX an I have yet to receive a response within a reasonable amount of time. TransUnion and XXXX have yet to validate the alleged debt from XXXX XXXX and has allowed this company to report two negative accounts on 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 non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/XXXX : balance problems started and where my balance was less than what it should be due to odd transactions that appeared the following day. In all support did not offer any information beyond claims that it was correct And these odd transactions have occurred since then. 

Tuesday, XX/XX/XXXX company attempted to withdraw {$15.00} from Bank of America account for a failed cash in. On the following day in support dismissed my proof that it was a failed cash in and refused to stop the transaction. 

I contacted Bank of America who stopped it. 

On Thursday of the same week, the same failed cash in appeared right after I added {$29.00}. Deducting the amt from my account. 

{$14.00} that should have remained has gone missing. There are no transactions of any kind to account for that sum. 

XXXX support did not open an investigation. They ignored all my replies clearly stating the issue. 
They repeated themselves The call center hung up, in a row, on me 4 times. 

They did not return or credit me that amt Still no answer about these suspicious transactions that are increasing with frequency. 



XX/XX/XXXX Company has taken a second withdrawal for sums that were already moved to the account {$23.00} {$20.00} {$10.00} for a total of {$53.00} Bank of America support ; in app proved my account was missing the that money Phone call to fraud department refused to stop transaction under pretense of processing despite having done so last week as the withdrawal was also by routine number

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 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Good evening, My name is XXXX XXXX. I received notification that this collection company is trying to collect on behalf of a rental property. 

I have never applied to that rental property and this debt is a result of Identity Theft. 

In the Application, the name that Appears is XXXX XXXX XXXX but I don't have a middle initial. 

This debt does not belong to me. Please have them remove this from my credit report before I have to seek legal action. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2024-04-24 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: NY

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 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: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2024-04-24 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: GA

Complaint narrative:
After reviewing my credit report I noticed that information on my report was not correct. See attached Identity theft Affidavit.

Company response to consumer: Closed with non-monetary relief