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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.

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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Im begging you please remove this to the 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a letter from Chase they decided to end the banking relationship on with me by closing down my checking, saving and all credit card accounts on XX/XX/XXXX. I called and inquired the reason behind this and talked to XXXX different customer reps, but none was able to provide me with any information. I have a lot of payments ( utilities, XXXX XXXX XXXX XXXX XXXX ) linked to my checking ( it is my main checking ), as well as direct deposits from work, so this is really a huge inconvenience for me and I don't even know what I did wrong? Please help!!!

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: AZ

Complaint narrative:
Urgent Dispute of Reinstated Missed Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of missed payments on my credit report associated with two XXXX XXXX XXXX credit card accounts. These missed payments were initially removed after a dispute, and I received the updated results from TransUnion on [ XX/XX/year> ] confirming their removal. However, on [ XX/XX/year>. XX/XX/year> ], my credit report was inexplicably updated, and the same missed payments were reinstated. This action is not only incorrect but also appears fraudulent as it contradicts the resolution provided in the dispute results I received. I have proof of the original dispute results showing that these missed payments were removed, which I am prepared to provide. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate information reported on my credit file. The reinstatement of these missed payments is a clear violation of this right. I am requesting that TransUnion immediately remove these inaccurate missed payments from my credit report and ensure that they are permanently deleted. Please confirm in writing that this matter has been resolved. Additionally, I request that you provide me with an updated copy of my credit report showing the removal of these disputed items. Thank you for your prompt attention to this matter. Sincerely, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Urgent Dispute of Reinstated Missed Payments on Credit Report To Whom It May Concern, I am writing to formally dispute the reappearance of missed payments on my credit report associated with XXXX XXXX XXXX XXXX  credit card accounts. These missed payments were initially removed after a dispute, and I received the updated results from TransUnion on [ XX/XX/year> ] confirming their removal. However, on [ XX/XX/year>. XX/XX/year> ], my credit report was inexplicably updated, and the same missed payments were reinstated. This action is not only incorrect but also appears fraudulent as it contradicts the resolution provided in the dispute results I received. I have proof of the original dispute results showing that these missed payments were removed, which I am prepared to provide. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to have accurate information reported on my credit file. The reinstatement of these missed payments is a clear violation of this right. I am requesting that TransUnion immediately remove these inaccurate missed payments from my credit report and ensure that they are permanently deleted. Please confirm in writing that this matter has been resolved. Additionally, I request that you provide me with an updated copy of my credit report showing the removal of these disputed items. Thank you for your prompt attention to this matter. Sincerely, 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Tried to sign up for an account so I could freeze my credit. It won't let me log in, says there's an issue with my account, and that I have to call the number. I called the number ( which is horribly configured, blasts piercing music at you nonstop, and requires you to press XXXX once a minute or it hangs up on you ) and after waiting for half an hour, I pressed XXXX to receive a callback, at which point I got into a loop of it repeatedly prompting me to enter my callback number so I had to hang up. 

So, I feel they are violating my legal right to freeze my credit account with them by denying me access to the website and making it literally impossible to speak with a representative over the phone.

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: TX

Complaint narrative:
Following my divorce, my ex-wife, XXXX XXXX XXXX, fraudulently opened accounts in my name, without my knowledge or consent, and forging my signature, obtained and opened several accounts that I am not legally responsible for. I have attempted to rectify these issues with XXXX consumer reporting agencies, XXXX, Equifax and XXXX in the past, with little to no success. I have filed a proper Identity Theft Report ( # XXXX ) with the Federal Trade Commission. All three of my credit reports contain several accounts that are a result of this identity theft. 

XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX XXXX {$2400.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$120.00}

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Following my divorce, my ex-wife, XXXX XXXX XXXX, fraudulently opened accounts in my name, without my knowledge or consent, and forging my signature, obtained and opened several accounts that I am not legally responsible for. I have attempted to rectify these issues with XXXX consumer reporting agencies, Experian, XXXX and XXXX in the past, with little to no success. I have filed a proper Identity Theft Report ( # XXXX ) with the Federal Trade Commission. All three of my credit reports contain several accounts that are a result of this identity theft. 

XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX  XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX  XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$120.00}

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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. 

XXXX XXXXXXXX XXXX XXXX  Account number # XXXXXXXX XXXX XXXX Account number # XXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT XXXX EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX

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: 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 informationisinaccurate.

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 — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
On XX/XX/year> I deposited {$20000.00} on behalf of my company into a Robinhood Personal Brokerage account for investment purposes. I immediately bought around XXXX in stock and left the leftover XXXX as cash for my next investment. 3 days later and Robinhood " temporary disables my account '', not allowing me to place any trades or withdraw any money. I submit the documents as they ask and 3 days go by again and I receive no response from the team. The box reappears again asking me for the same information that I submitted prior, I again submit my information, and additional 3 days go by and they postpone the date of when my case will be resolved. I than reach out by chat to the support team, who don't give me an answer and tell me to call the support team and close the case. I than call the Robinhood Support Team and they aren't available to talk with me. I than reach out in another support case and they again aren't able to set up a call to talk with me. It has been a month and I have XXXX just sitting in an account that I CANT DO ANYTHING ABOUT.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I had canceled their breathalyzer interlock device service after they informed they would be keeping my credit card on file and charging me whenever and however they felt like. No other company does this. I signed one page of their contract and never received the rest of it. Til this day still have not seen this multiple paged contract, yet they have sent it to Capital One. I disputed 4 fake violations fees charged for the amount of XXXX They claim I had a refused test on my car breathalyzer which is completely false. The logs show I have a passed test within XXXX minutes later each time. Which is also within the XXXX minutes of the rolling tests allotted per their terms and conditions. The person who does the installs and removals can attest to this and says as well I should have never been charge as there was no violation. They have faulty equipment. They are several lawsuits agsinst them in multiple states. Class action ones to boot. Some states dmvs have even shut them down and wont let XXXX XXXX ( XXXX ) operate. They have 1 star reviews on XXXX, XXXX XXXX XXXX and XXXX. They are unscrupulous and shady. They need to be investigated and I am appalled Capital One is siding with them on a technicality of saying they didnt agree to letting me out of my contract? The issue is not the contract. The issue is the charge should have never happened. There was never a violation. Let alone XXXX. 

XXXX XXXX then is also creating a separate invoice of the original charges and adding XXXX dollars to each charge and expecting me to pay it. They are ridiculous. They wont respond to any texts or emails and I am locked out of their app. They are highly unprofessional and are scam artists and crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

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: 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 informationisinaccurate.

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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I am a victim of XXXX XXXX  of Debt bondage and would like for all listed listed accounts to be blocked and deleted. 

XXXX XXXX LAST 4 of Social : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Inaccurate reporting, the account is in litigation. Under the doctrine of Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists. Also, see attachments.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I looked at my report on the XXXX of XX/XX/year> and noticed that some things were incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below [ XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX, XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX  XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX - XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate And they have not responded to me. 

Here is my tracking number : XXXX Can you look into this matter

Company response to consumer: Closed with non-monetary relief