vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I see that XXXX XXXX XXXX XXXX is being reported on my consumer report as late and showing my payment history. The Privacy Act of 1974 is being violated by this reporting. Also, 15 USC 1681a-exclusions is being violated upon due to showing transaction history and my experience with XXXX XXXX XXXX 15 USC 1681a-exclusions : report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
ERROR on Robinhood : Your account is restricted from withdrawing crypto at this time. Eventhough I still have {$5000.00} limit every XXXX hours. I tried XXXX times today at XX/XX/year> and all failed. I was able to withdraw yesterday and the other day at a same time but different day because of XXXX hours limit. But after third day Robinhoob won't let me withdraw and put restrictions on my account. My account is verified and approved for withdraw crypto currency. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: John C. Heath, Attorney at Law, PLLC
State: NJ

Complaint narrative:
I applied to have my credit score fixed but Lexington LawI never never straighten out my credit issue I was charged every month but Lexington law never bail me out of the credit issue out they just took money from me change the amount of {$2200.00} and my credit history remains the same was never fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Mercury Financial Intermediate LLC
State: CA

Complaint narrative:
There were XXXX unauthorized charges on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> for a total amount of {$2400.00}. The charges were made in various cities at XXXX XXXX and XXXX XXXX  in the states of XXXX XXXX XXXX and XXXX. I have never been to XXXX  and XXXX XXXX. The charges in XXXX  were at XXXX XXXX locations I have never been to. I did not give my credit card to anyone nor did I authorize anyone to use my credit card. 

Between XX/XX/year> and XX/XX/year>, I was in XXXX, XXXX, and my credit card was in my home at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. On XX/XX/year>, I was at work in XXXXXXXX XXXX and in my home in XXXXXXXX XXXX. My credit card was in my personal possession on XX/XX/year>. 

Mercury XXXX XXXX maintains that I had to make the purchases because a chip card was used. I did not make the purchases. 

I have told the fraud department on multiple occasions that I did not make these purchases and that it would have been impossible for me to travel to multiple out of state locations during those dates, nor could I have made those purchases while I was working and at home. 

On XX/XX/year>, I sent the attached letter and documents to Mercury with complete facts and details about how it would have been impossible for me to have made those fraudulent charges, and have made multiple requests to remove the charges. No response from Mercury has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Acknowledge that the accounts and transactions are fraudulent.

Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report.

Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts.

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name.

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 2025-01-02 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: NC

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Acknowledge that the accounts and transactions are fraudulent.

Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report.

Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts.

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name.

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: MD

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 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
Consumer complaint received 2025-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: TRUIST FINANCIAL CORPORATION
State: NE

Complaint narrative:
I applied for a loan online and a guy called me back said he was from XXXX XXXX and I was approved for a loan and he asked me for my account info so the could send me the loan money I gave them by XXXX  bank info and he said that it wouldnt work use it wasnt a real bank I told them I only had XXXX  and they said since u dont have a bank account go ahead and go get me a prepaid card money card from XXXX with {$100.00} on it dont have to visit dont register give me the info and will send you the money so thats what I did. I accidentally activated it and registered it so they told me that it wouldnt work. They told me to go and get another {$200.00} with gift cards so I did. XXXX send the money. It was too late on Friday night Saturday morning came I called the company couldnt get a hold of him all day Saturday still couldnt get a hold of call on Monday. Still couldnt get a hold of them. Basically I sent them {$100.00} I spent {$100.00}. I spent {$200.00} in another {$200.00} total {$500.00} never received the loan I contacted you trying to get some help they never stop talking to me. Nothing about it so Im now contacting you to see if I can get help with a refund from the game from XXXX  and they denied it saying that they were never do that {$500.00} because I was out {$500.00}. I was young. I got from my apartment so theyre probably about {$500.00} and at least {$1000.00} so myself boyfriend our kids and myself can get back on my feet and stop living out of our car.

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 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
This is a complaint against debt recovery solutions llc. I received notice to contact them by XX/XX/XXXX to dispute a debt I have no knowledge of! However they have already reported this to my credit and it has damaged my credit completely! I have no collections in nearly 10 years!! I have no knowledge of their collection or account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Contemporary Information Corp
State: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: MD

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-02 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: TX

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: GA

Complaint narrative:
My NAME was apart of the CYBER ATTACKS AND DATA BREACH a few months ago everything negative needs to be removed immediately and my score updated to XXXX credit score from all 3 credit reporting agencies nothing there was mine

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 2025-01-02 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: PA

Complaint narrative:
This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Acknowledge that the accounts and transactions are fraudulent.

Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report.

Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts.

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name.

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: NY

Complaint narrative:
This letter serves as a formal notice to cease and desist all collection activities related any alleged debt associated with my account. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requesting that you cease all communication with me regarding this matter, except as allowed by law. 
Case law has affirmed my right to request the cessation of debt collection communications. In XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), the court ruled that a consumer 's request to cease contact must be honored by collection agency to avoid further violation of the FDCPA. Any additional communication beyond what is permitted constitutes a breach of my rights under federal law. 
Additionally, the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), reinforces the consumer 's right to privacy and the obligation of debt collectors to honor requests for cessation of contact. Ignoring this cease-and-desist demand will constitute harassment and a violation of the FDCPA. 
Please be advised that failure to comply with this notice may result in further legal action This could include filing complaints withrthe Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing other remedies protect my rights. 
Thank you for your immediate attention to this matter. I expect written confirmation that you have received this cease-and-desist demand and that you will comply with it accordingly.

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 2025-01-02 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: TX

Complaint narrative:
Navy Federal Credit Union has gone too far. I am constantly getting charged with overdraft fees and NSF fees constantly to the point that it's a regular occurrence multiple times a month! They will do anything and everything to charge you! AND on top of that IT TAKES DAYS TO WEEKS FOR Transactions to fully authorize. One day you think you have more money than you do and then boom the next day you're short hundreds because they finally authorized the pending transactions. These 2 are the worse things about Navy Federal and neither of these is fair to any member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief