vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have some inquiries on my credit report that Im not aware about them. 
XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX XXXX  on XXXX XXXX, XXXX. 
XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : DEPTEDXXXX XXXX  XXXX DEPTEDXXXX XXXX  90XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-22 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX  XXXX applied hard inquiries on XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX When they knew and told me these wouldnt going to effect my credit as a soft inquiry but they are hard. Then they ran my credit knowing they couldnt for two years apart. This violated the fair credit protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Received an alert from credit reporting app that I had suspicious inquiry on my credit report from Barclays of Delaware on my XXXX credit report. Reached out to the company Barclays Bank of Delaware and started a 48 minute phone conversation at XXXXXXXX XXXX to Barclays Bank of Delaware @ ( XXXX ) XXXX inquiring about the suspicious inquiry on my credit report from their company. They kept asking for more unnecessary personal information such as my full ss # to try and verify the fraudulent activity which I declined. Provided them with needed essential information and was told Oh it was a system error and to disregard nothing to worry about. As I pressed for more details then I was told oh well have to dig more and maybe the inquiry is still processing. Then they came back and said whatever it was has been declined and then sent to their fraud dept. I stated great I would like a copy of the letter you will be sending to the 3 credit reports so that I can confirm it was being handled. Was told that they could not provide me with any type of email or hard mailed copy of the situation. Stated that they had declined what ever suspicious inquiry was made and it was all ok. I then requested that I would like documentation of our phone call in case something else were to come up and was told that we can not provide you with any documentation and that I was protected because the whole call was recorded. I said great I would like a copy of the phone conversation for my records. Again denied any type of documentation about my fraud inquiry with them. Operator would not even provide a name of whom I was speaking with. Was told that their fraud dept would be calling me directly and to answer the call and that would be sufficient enough. That was as far as I could possibly get with them.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OK

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing a formal complaint against Synchrony Bank for violating the Fair Credit Reporting Act ( FCRA ). Despite paying off my balance in full, Synchrony Bank has failed to update the credit bureaus, leading to inaccurate and damaging information on my credit report. 

This is a clear violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which requires furnishers like Synchrony Bank to report accurate information and to correct any information they know to be incorrect. Additionally, the prolonged delay and misinformation provided by their representatives may violate FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates prompt investigation and correction of disputed information. 

I demand that the CFPB take immediate action to enforce these provisions and compel Synchrony Bank to correct the status of my account with all credit bureaus. Furthermore, I request a formal investigation into their reporting practices, as their actions have caused significant harm to my financial standing. 

If this issue is not resolved promptly, I will pursue all legal avenues available to me, including seeking damages for the harm caused by their negligence.

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 2024-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitals One applied hard inquiries on Capital Ones XX/XX/XXXX Capital Ones XX/XX/XXXX Capital Ones XX/XX/XXXX When they knew and told me these wouldnt going to effect my credit as a soft inquiry but they are hard. Then they ran my credit knowing they couldnt for two years apart. This violated the fair credit protection act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WI

Complaint narrative:
Since we are unable to reply back to Cardinals " that it is still working on your issue '' they have been " working on our issue for XXXX  months! 
After XXXX told us on private message that our credit score was XXXX and he " pulled strings '' we started looking into past emails. We found an email that was sent that we never open that did contain our credit score, I not sure how to read it will attach it, however after we brought it to our local bank they did explain it better. I am not sure how we qualified for this FHA loan I am also attaching Cardinal 's branch manager listing of requirements. 
We have had nothing but issues with this loan and trying to get our home build, we have begged for upper management calls, but they go unanswered, Our general contractor has asked for the minimal for rough in plumbing for weeks, we finally get a zoom call with what we thought was management and were told " find another lender I have to ask management, '' We have XXXX worth of building bought to be erected and the framing company wanting to put it up. We are tired of them stalling our build. We have our life savings invested! They keep pushing this build off! We have had major issues since day one. Cardinal wants to blame us, yes we did hire a bad contractor but also Cardinal also had an inspector " approve '' work and allowed fund to be released on a failed inspector report. 
Maybe they keep pushing us off because they have transferred our loan to XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It has been brought to my attention that although I have written several letters asking for validation of debt, verification of debt, original promissory note, off ledger accounting statement I have not I am not getting any response because of the automated system you have in place which in fact is a violation as well. 

When it comes to uploading my documents on their portals, it is difficult for the consumer to upload the pending documents needed to expedite their dispute claim. They have been notified various times in attempt to cure that they continuously dismiss. That is also a violation of my consumer rights. I have reported this concern on several occasions. 


Today, I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. They are not investigating the legitimacy of these accounts I did not give consent to these accounts or permissible purpose and are in violation of the Gramm Leach Bliley Act.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

I intend to sue if these accounts are not deleted within five days from receipt of this notice. I have been victim of improper data use, data breech, they are also not being transparent with the way the consumer 's personal information is being shared. Which in fact is a violation as well. These three reporting agencies are in violation of unauthorized data sharing, noncompliance with privacy policies, and failure to report the latest data breech.

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 2024-08-22 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: PA

Complaint narrative:
Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. Please block and remove these addresses And all information from unauthorized inquiries unauthorized accounts on my consumer report and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : SEE ENCLOSED AND ATTACHED Sincerely

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 2024-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I deposited {$2000.00} to XXXX on XX/XX/2024. I promptly bought XXXX and attempted to send this cryptocurrency to an external wallet that belongs to me. My account was restricted after attempting to transfer. Before sending this money to Robinhood, I submitted identity verification, confirmed my bank account by confirming the amounts placed in my checking, and enabled XXXX authentication on the app ( all things they require to do certain actions in the app ). 

Robinhood has tried calling me about 3 times to rectify about a week ago, but they always call too late or when its inconvenient to me. Ive tried returning their call but can not get in touch with support. When I try the virtual chat in the Robinhood app, I am told that I must talk to someone in person and I must submit identification ( picture of drivers license, photo of myself ) and a pdf of my bank statement. I have submitted so many requests to have them call me back, have uploaded my drivers license multiple times and verified identity. At this point I cant get ahold of them by phone or chat or upload my bank statement on their app so they can remove the restriction from my account. 

I do not want to use the Robbinghood platform anymore and just want the money that was initially sent from my verified bank to be sent back to the same bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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 was shocked this morning to find inaccurate accounts appearing on my credit report, and I can't figure out why. I do routine checks, but this time I was met with unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. This situation is deeply unsettling, and I'm requesting a thorough review of the documents Ive submitted so that I can finally put this concern to rest.

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 2024-08-22 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: FL

Complaint narrative:
This morning, I was dismayed to discover inaccurate accounts on my credit report, and I'm at a loss as to why theyre there. I regularly check my credit report, but today I found unexpected errors. I tried refreshing the page, hoping it was a browser issue, but the inaccuracies persisted. This has been incredibly frustrating, and XXXX asking for a detailed review of the documents I've provided so I can stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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:
When I checked my credit report this morning, I was shocked to see inaccurate accounts listed, and I cant understand why theyre there. I do my usual checks, but today I was confronted with errors that came out of nowhere. I even refreshed my browser, thinking it might be a technical issue, but the inaccuracies didnt disappear. This has been really upsetting, and Im requesting that the documents Ive submitted be thoroughly reviewed so I can finally stop worrying about this.

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 2024-08-22 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: OH

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear Experian and XXXX XXXX  Team, I am writing to formally lodge a complaint about an inaccurate entry on my credit report related to an account with XXXX XXXX My report erroneously shows an active account with a balance of {$1500.00}, which does not belong to me. The only account I have ever had with XXXX XXXX was closed and had a {$0.00} balance at the time of closure. 

I have filed three disputesboth with Experian and directly with XXXX XXXXyet this incorrect information remains unresolved. It is clear from the report that two accounts are listed under XXXX XXXX, but only one is legitimate ( the closed account ). This error has caused significant distress and has adversely affected my ability to obtain loans and other financial services. 

I urge you to immediately correct this mistake. If this issue is not resolved promptly, I will consider taking legal action to rectify the harm caused by this inaccuracy. 

Please address this matter with the urgency it deserves. 

Sincerely, 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 2024-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am a XXXX XXXX vet. I am exempt from property taxes which includes my mortgage why does Wells Fargo keep increasing my escrow. It seems as if my tax exemption doesn't matter or work for them

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following 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 non-monetary relief
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE TAKE THIS OFF MY CREDIT REPORT THIS IS MY PROOF!!!!!!!!!!!!!! 
XXXX XXXX MY LIMIT IS {$500.00} XXXX PAYED XXXX ON MY ACCOUNT THAY SAID I OWN THEM {$10.00} THIS IS SO PETTY THIS CAUSE MY CREDIT TO DROP OFF XXXX POINTS I AM PROVING THAT NOT TRUE SENDING IN MY PAYMENT STATEMENT THIS IS SO SAID TO LET THIS CARD COMPANY RUINED MY CREDIT NOW TO NATIONL CREDIT Adjusters this is from THE YEAR 2017 THIS HAS BEEN ON MY CREDIT FOR XXXX WHY DO XXXX XXXX XXXX XXXX TRANSUNION XXXX HAVE SENT THIS RECEIPT IN TO THEM XXXX  TIMES I KNOW WHY THAY KEEP PUTTING THIS OLD CHARGES ON MY CREDIT TO MAKE ME PAY MORE FOR CONSUMER GOODS I PAY MORE FOR MY CAR MY HOUSE MY CAR IS MY HOUSE MY CREDIT IS SO BAD THAT I AM HOMELESS BECAUSE OF THIS TAKE THIS OLD XXXX OFF MY CREDIT REPORT NOW!!!!!!!!!!!!!!!!!!!!!

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 2024-08-22 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: FL

Complaint narrative:
On XX/XX/2024 XXXX XXXX XXXX collections account was removed from my XXXX credit report. On XX/XX/2024 XXXX XXXX XXXX collections account was removed from my XXXX credit report. 

XXXX & XXXX sent a deletion request to all three credit bureaus why is this still on my equifax report I have attached photos from my XXXX and XXXX showing the deletion

Company response to consumer: Closed with explanation