vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 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: VA

Complaint narrative:
Re : Fraudulent Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute several fraudulent accounts listed on my credit report. These accounts were not opened or authorized by me, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act.

I have recently reviewed my credit report and found the following accounts listed as fraudulent. I am requesting that these accounts be investigated, verified, and, if found to be fraudulent, removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX I am requesting that these fraudulent accounts be removed from my credit report promptly, as they do not belong to me. Furthermore, I have reason to believe these accounts were opened without my consent or knowledge, and I am in the process of reporting these fraudulent activities to the appropriate authorities. 

In accordance with the FCRA, I expect that you will conduct a full investigation into the legitimacy of these accounts within 30 days of receiving this request. Please provide me with the results of your investigation and a copy of the updated credit report once the fraudulent accounts have been removed.

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 2025-02-05 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: VA

Complaint narrative:
Re : Fraudulent Accounts on My Credit Report To Whom It May Concern, I am writing to formally dispute several fraudulent accounts listed on my credit report. These accounts were not opened or authorized by me, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Identity Theft and Assumption Deterrence Act.

I have recently reviewed my credit report and found the following accounts listed as fraudulent. I am requesting that these accounts be investigated, verified, and, if found to be fraudulent, removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX I am requesting that these fraudulent accounts be removed from my credit report promptly, as they do not belong to me. Furthermore, I have reason to believe these accounts were opened without my consent or knowledge, and I am in the process of reporting these fraudulent activities to the appropriate authorities. 

In accordance with the FCRA, I expect that you will conduct a full investigation into the legitimacy of these accounts within 30 days of receiving this request. Please provide me with the results of your investigation and a copy of the updated credit report once the fraudulent accounts have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
XX/XX/2024. I, XXXX XXXX filed a complaint due to misinformation on my credit report. Experian, Equifax, and Transunion failed to properly investigate my disputes regarding inaccuracies in my credit report. Experian Equifax, and Transunion conducted sham investigations, using inadequate procedures that led to the inclusion of incorrect information on my credit report. This misinformation adversely affected access to credit, employment, and housing opportunities for me. Experian, Equifax, and Transunion violated Fair Credit Reporting Act ( FCRA ) by reinserting previously removed inaccurate information into my credit reports without proper notification.

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 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, my card was declined by my bank for unusual activity. I had reached out to them for a phone call and it took them 3 days to call back. They explained my account was under review and would notify me in XXXX business days. I never heard from them so I requested another call back. Another few days go by and am told the same thing. This happened for about XXXX weeks. I was notified by email on XX/XX/XXXX that Robinhood could no longer maintain my account and it would be closed. The amount of {$4100.00} would be transferred to an account that has been closed since 2023. I reached back out to them with the case number provided and asked for it to be switched. They said ok and noted it. A Day or XXXX later, I received an email saying the money was going to the aforementioned account and can't be canceled. I called back that day and all they told me was my account is under review and that all my funds had been removed from my account. I received another email today XX/XX/XXXX, that my accounts have been deactivated. I once again called back and my case number is no longer active. I sent another email, but there has been no clear reasons why this is happening. I'm barely getting by with gas, food for my kids and my last check was just deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal demand to remove the inaccurate information from my credit report. This error is unacceptable, and I will not allow it to remain on my record any longer.

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 2025-02-04 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-02-04 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: NC

Complaint narrative:
My account was paid in XX/XX/year> yet the payment history has been reporting XXXX late for the last XXXX years. XXXX and Experian both stated they investigated and found no issues. The account is closed and paid how can they continue to report it as late

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 2025-02-04 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: FL

Complaint narrative:
Recently reviewed my credit to discover that I have been a victim of identity theft and this account was opened in relation to this event without my knowledge and or approval fraudulently. Sent written communication to company on XX/XX/year> with tracking that was received on XX/XX/year> as well as verbal communication via telephone to advise of this and to get item removed but company keeps updating information on my credit report. Submitted prior complaint to receive resolution from the company with a case number of XXXX wherein the company stated that they verified that the information belongs to me. My complaint states that the account was opened as a result of Identity Theft wherein my information including name, addresses, phone number, email address, and banking information were all compromised. The company referenced and electronic promissory note that was signed as well which was also falsely signed and as such can not be used to accurately verify identity. Any and all agreements signed pertaining the opening of this account and all subsequent transactions including those with the credit bureau were not authorized. That being said I have completed and FTC Report and a police report with my local law enforcement and have submitted said documents to the credit bureaus and to the creditor to request removal and have attached them here. If the account is not removed from my credit report and blocked or if it re-emerges then I will purse legal action against the creditor and the credit bureaus and seek damages for violation of consumer protection afforded by the FDCPA and for defamation and financial injury as afforded by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX if there is no response within the 4 business days mandated by the FCRA

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 2025-02-04 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: FL

Complaint narrative:
Recently reviewed my credit to discover that I have been a victim of identity theft and this account was opened in relation to this event without my knowledge and or approval fraudulently. Sent written communication to company on XX/XX/year> with tracking that was received on XX/XX/year> as well as verbal communication via telephone to advise of this and to get item removed but company keeps updating information on my credit report. Submitted prior complaint to receive resolution from the company with a case number of XXXX wherein the company stated that they verified that the information belongs to me. My complaint states that the account was opened as a result of Identity Theft wherein my information including name, addresses, phone number, email address, and banking information were all compromised. The company referenced and electronic promissory note that was signed as well which was also falsely signed and as such can not be used to accurately verify identity. Any and all agreements signed pertaining the opening of this account and all subsequent transactions including those with the credit bureau were not authorized. That being said I have completed and FTC Report and a police report with my local law enforcement and have submitted said documents to the credit bureaus and to the creditor to request removal and have attached them here. If the account is not removed from my credit report and blocked or if it re-emerges then I will purse legal action against the creditor and the credit bureaus and seek damages for violation of consumer protection afforded by the FDCPA and for defamation and financial injury as afforded by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX if there is no response within the XXXX business days mandated by the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX 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 2025-02-05 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-04 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : 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 2025-02-04 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: TX

Complaint narrative:
XX/XX/year>2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several inaccuracies that need to be corrected. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses that appear on my credit report and should be removed : XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX The only address that should remain on my report is : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX Additionally, I noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling, and there should be no variations listed. I have attached a copy of my photo ID to verify the correct spelling. The incorrect name variations currently listed are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I request the removal of the following incorrect employer information : XXXX XXXX XXXX XXXX XXXX The only employer that should remain listed on my credit report is : XXXX, XXXX XXXX XXXX XXXX The inaccuracies and incorrect information in my credit report are in violation of several federal laws, which are as follows : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft I kindly request that these inaccuracies be corrected promptly to ensure compliance with federal laws and that my credit report remains accurate and up to date. Once the incorrect information has been removed, please send me a copy of my updated credit report for verification.

Thank you for your attention and assistance in this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am writing to file against Navy Federal credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue align with the recent CFPB Findings against Navy Federal for similar practice where transactions with insufficient despite initial available funds. I believe these practices are unfair and request an investigation into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I applied for a trial period for lower payment withXX/XX/XXXXXXXX XXXX in XXXXXX/XX/XXXX2024 for a reduced payment. The trial period was approved in the amount of XXXX and was told to continue to make payments in that amount until XX/XX/scrub> 2024. My mortgage was transferred to Shellpoint mortgage who is refusing to accept my payment or the terms outlined and agreed to withXX/XX/XXXXXXXX. They are mis applying my payments and claiming I am only making partial payments which is not what Im contractually obligated to do during my payment. I have spoken to several reps and they each tell me different updates

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 2025-02-04 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation