vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
XX/XX/XXXX I tried to make a simple crypto transaction on XXXX to a self hosted wallet for a small amount of MY money. There were no indicators that this would get my account locked, they shouldn't offer the service if they don't allow it to happen. So they locked my account, and then say its under review for XXXX days. The day comes and they call me and say they need " More information '' in the form of intrusive questions most of which not relating to use of their platform. I answered the questions and it was under review for XXXX more days. They then called me and I answered and I didn't even get to speak to a human, they left me on hold for XXXX hours before I just hung up, which they then proceeded to tell me I needed to call them because they couldn't get in contact with me. So, I called again, then they said that I answered all their questions and to wait for them to finish reviewing the case. Now comes XX/XX/year> and they just called me again, saying I needed to answer more questions, the girl I talked to asked me XXXX questions that were literally questions they asked on the first round of questions and then she said that is all and hung up. They then said they need to review it again. The date has now been pushed back to XXXX as " under review '' and my account is still locked. It initially started out as just crypto sends were locked, but they locked my entire account AFTER I answered their questions. The money on there is all XXXX % legitimate from my XXXX XXXX XXXX account from over the past XXXX years. I have submitted my ID and pictures of my face XXXX times. I have provided my account details and last XXXX of my social upwards of XXXX times. They just keep pushing back the review date and wasting my time while holding onto my money for trying to use their service. They are beginning to look like a scam service. DO NOT USE ROBINHOOD! 

I have answered all of the questions, No one has hacked my account. Give me access to my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-11-29 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: FL

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

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 2024-11-29 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 2024-11-29 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 2024-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Central Mortgage Funding, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX of Central Mortgage Funding LLC ( XXXX  based ) gave false information in regards to the amount of refund that would be received in order to convince me not to back out of the loan. She poorly advised me to not make the current months payment that was becoming past due as refinance process took weeks longer than initially stated. I confirmed multiple times with her I did not need to make the payment. Because of her ill advice & the accruing interest on my current mortgage, the final payoff of my loan exceeded the original amount of the loan when I took loan out 15 months prior. When I pointed this out to her, this was when she stated that I would receive a refund of a certain dollar amount, and that we would be having a conference call with the original lender if that refund amount differed. She quoted me {$2700.00}, and I will be receiving {$300.00}. There was no conference call as she promised, and I have been unable to reach her since closing ; the day I confirmed refund amount and tried to contact her, she blocked my number.. Additionally, during the underwriting process, she advised me to falsely take out a second homeowners insurance policy that met the lower cost needed to satisfy underwriters, and told me I could just cancel the policy after closing ( wasting the time & resources of the insurance company who was providing the quote ). The insurance company advised that 25 % of the premium would be charged if I was to cancel the policy, so they were able to protect themselves ( and myself ) from being involved with XXXX XXXX unethical advice. I expressed concern over the plan when she suggested it, and she advised this is what I did when I refinanced my mortgage. Upon doing research I found that she has given this kind of false information to other clients in order to close a predatory refinance deal and satisfy the concerns of the client.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 the following : XXXX XXXX XXXX Account Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor XXXX XXXX  Balance : {$380.00} XXXX XXXX XXXX XXXX XXXX  Account Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX  Balance : {$520.00} XXXX Installment Sales Contract Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX Balance : {$0.00} ( charged off ) XXXX XXXX XXXX Collection Account Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Account Account Number : XXXX Date Opened : XX/XX/XXXX Original Creditor : XXXXXXXX XXXX XXXX Balance : {$130.00} These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. 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 the FTC Identity Theft Criminal Complaint case number ( # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: LEXISNEXIS
State: MO

Complaint narrative:
Dear CFPB, I am filing a complaint against XXXX and Lexis Nexis for failing to remove an inaccurate bankruptcy entry from my credit report, despite submitting an FTC report that clearly identifies the error. 

XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 605B ( 15 U.S.C. 1681c-2 ), a credit reporting agency must remove a bankruptcy filing from a consumer 's credit report if the bankruptcy information can not be verified or is not accurate. Both XXXX and Lexis Nexis have repeatedly verified the bankruptcy entry, despite my providing evidence, including an FTC report, that the bankruptcy should not be listed. Additionally, the court has confirmed it does not verify bankruptcy information directly with credit bureaus, further supporting my claim of inaccurate reporting. 

Despite my efforts, both agencies have refused to remove the inaccurate bankruptcy from my credit report. I am requesting that the CFPB intervene to ensure compliance with the law and rectify this ongoing issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-29 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: NY

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-11-29 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: NY

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-11-29 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
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 2024-11-29 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: CA

Complaint narrative:
There are many flaws with the reporting of this agency ( equifax ). The information on all three ( 3 ) credit reports show different reporting. Please have this removed because under the fair credit act, the bureaus are suppose to report accurate and true information.

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 2024-11-29 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: TX

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-11-29 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-11-29 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: Harris & Harris, Ltd.
State: VA

Complaint narrative:
Subject : Dispute of Incorrect Collection Entry and Request for Investigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, I am writing to formally dispute an inaccurate collection entry that was recently reported to my credit file by Harris & Harris LTD, on behalf of XXXX. I was made aware of this entry through notifications from XXXX XXXX XXXX and XXXX on XXXX XX/XX/year>, and upon reviewing my credit reports with all three bureaus ( XXXX, XXXX, and XXXX ), I found that this entry appears on all three. 

I would like to clarify the following points regarding this dispute : No Account with XXXX : I have never had any form of account, service, or financial obligation with XXXX. Therefore, this collection is either the result of a clerical error, fraudulent activity, or is being attributed to the wrong individual. 

No Communication from Harris & Harris LTD : At no point have I been contacted by Harris & Harris LTD, either by phone, mail, or any other communication method. This is the first instance where I have become aware of any collection attempt by this agency.

I have already filed disputes with the three credit bureaus ( XXXX, XXXX, and XXXX ) regarding this incorrect information. However, I also request that Harris & Harris LTD be held responsible for submitting inaccurate and damaging information to the credit bureaus. The collection appears to be related to the wrong individual, and the process by which this collection entry was filed does not seem to follow proper procedure. 

I kindly request the following actions : Immediate Removal : I respectfully request the immediate removal of this inaccurate collection entry from all credit bureaus.

Investigation of the Collection Agency : Please conduct a thorough investigation into the practices of Harris & Harris LTD, particularly regarding the potential mishandling or misattribution of this collection. 

Communication Confirmation : I request written confirmation from your agency once this issue has been resolved, including the outcome of the investigation and confirmation that no negative information remains on my credit file. 

Thank you for your time and attention to this matter. I expect that this issue will be resolved promptly and that the necessary steps will be taken to ensure that my credit report remains accurate. 

Very respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-29 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX RETREAT CT XXXX XXXX XXXX, MD XXXX ACCOUNT ( XXXX ) /ITEMS DELETION LETTER OF IDENTITY THEFT & XXXX TRANSUNION XXXX XXXX XXXX & FRAUD ) VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : THIS IS MY FINAL LETTER CONCERNING THESE XXXX ( FRAUD ACCOUNTS ) BECAUSE OF IDENTITY THEFT, XXXX XXXXXXXX. *.I DEMAND THIS ACCOUNT BECOME DELETED OFF MY CREDIT REPORT! * Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed these accounts that I wanted way more detail explanation on, and they need to be deleted/removed from my credit report. I'm demanding that these fraudulent accounts be removed the final time permantly never to return or I will be forced to sue in the court of law!. 

THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 
FTC REPORT # : THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately! 




XXXX Account XXXX : XXXX Account XXXX : XXXX delete it from my credit report. 
Date Opened : XXXX XXXX XXXXXXXX

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 2024-11-29 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation