vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma, LLC
State: MN

Complaint narrative:
XX/XX/XXXX and XXXX, I received emails stating my Credit Karma account was locked. Prior to, I didn't receive anything from Credit Karma stating my account was potentially fraudulent or if there were suspicious activity on my account. My 1st call to them was XX/XX/XXXX, I inquired about why my account had been locked and what's the process of getting it unlocked. They told me in 24 to 48 hours, I would receive an email with the details of why my account was locked and how to get it unlocked. I wait 4 days and I still have no email so I call again on XX/XX/XXXX. They said I had to wait on an email from the investigation team and they can't tell me the time frame of how long that will take. As far as the people who have dealt with this situation have proclaimed Credit Karma and XXXX XXXX are practicing dangerous tactics that keep people from access their money. They freeze your account and you wait for weeks and weeks on end to get a email to verify your account then you wait more time to still not get access to your account or money. There were no fraud or suspicious activity on my account so its very strange that Credit Karma would lock/freeze my account out of nowhere. To put the icing on the cake, they did all this after I received my tax refund advance and now I'm waiting on my actual refund and my account is locked/frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-02-13 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:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Mortgage — Conventional home 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
" Quicken Loans '' is harassing me, attempting to manipulate me to refinance my loan to them at a higher interest rate. I did NOT request anything from Quicken Loans nor have any interest in dealing with them. I have informed them, via email, to " Cease and Desist '' but they continue to harass me. 

I fear that " Quicken Loans '' is attempting to hijack my mortgage and/or property. Furthermore, I fear that Quicken Loans is attempting to damage my credit rating in order to force me to switch to them at the higher rates and fees. 

Furthermore, I believe that Quicken Loans is attempting to literally steal my property. 

Attached is the latest email received from them. No matter how much I attempt to " Unsubscribe '' or ignore them, the emails continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: IL

Complaint narrative:
XXXX XXXX XXXX / XXXX Unauthorized use of my credit. Violation of U.S.C. 1681b. Which, Prohibits a person from using or obtaining a consumer report, " unless ... the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished by the consumer. My name is not and never was XXXX which is associated with this fraudulent account. I never lived at the address XXXX XXXX XXXX XXXX XXXX, VA which is associated with a fraudulent account. The account obtained and the information published on my report regarding this information including everything relating to this account is an act of Identity theft. This is a NOTICE of Identity theft! Reporting information that involves identity theft is a violation of the FCRA. Knowingly reporting after notice is also a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was notified that a collection account had been opened on my credit report without sending me notification of debt and allowing me the opportunity to dispute it. This information is being reported by trans union in violation of the terms of the fair credit act.

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 2024-02-13 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: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
***New complaint, unresolved issue *** Per the attached, it is again still clear that Omni is reporting a duplicate debt on my XXXX report. The same debt is listed as two different accounts. This is a clear violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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:
I am a victim of identity theft please remove this fraud inquiry 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 2024-02-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have had to pay more money on higher interests due to this incorrect information Santander account on my credit XXXX and XXXX and now once again they pull my credit in XXXX without my permission from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-13 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: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX Ive visited 5 branches on the same issue of my funds not being returned. I had an cashier check endorsed over. Td said XXXX XXXX had to request for it back XXXX XXXX  stated they see it was endorsed over by they owner they cant do anything to the funds as it were cashed properly an not reported stolen. Td repeatedly gave me the cold shoulder on multiple occasions an the run around. It is now XX/XX/XXXX an Im still a member with td due to the fact they wont release my funds to close out the account that I have no access to!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed incorrect information showing up on my report when I reached out I was told by customer service that a creditor was reporting wrong information my name is incorrect my address is incorrect I have been reaching several weeks now no help I have been blocked from viewing my own report no one cares to fix the issue but still reporting incorrect information on my 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 2024-02-13 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: MD

Complaint narrative:
I wrote XXXX XXXX XXXX to tell them Im opting out. And no longer want them to share my personal information with any credit reporting agencies. They still have not responded. 

Also All credit bureaus ( XXXX, XXXX, Experian ) are in violation under the privacy act of 1974. Charge offs are considered CERTIFICATE OF INDEBTEDNESS. Which means it is now considered income and must be removed off my credit report. It should have not been there to begin with. Pur 15 U.S. Code 1681n each credit bureau owes me a {$1000.00} Per violation.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 explanation
Consumer complaint received 2024-02-13 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. 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.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for the inaccurate reporting of personal information on my credit report and their subsequent refusal to correct this information despite my efforts to dispute it. 

- Incorrect Information : 17 non-mailable, outdated addresses, 4 incorrect names, 1 spouse or co-applicant, 2 phone numbers, 1 former employer - Date Discovered XXXX XXXX XXXX XXXX  - Attempts to Correct : Phone call on XXXX XX/XX/2024 [ Representative named XXXX XXXX XXXX Experian 's Response : Representative refused to remove the non-mailable, outdated addresses stating that they were not inaccurate because they were previously used and it was Experian 's policy to continue reporting them. I cited the FCRA regarding reporting inaccurate information and he still refused to make the corrections. He refused to provide me with the company policy and refused to let me speak with a supervisor in order to clarify the company 's policy on reporting inaccuracies. 

Based on his response, i did not pursue the other inaccuracies listed above. 

I believe this inaccurate information has had a negative impact on my credit score which has hindered my ability to obtain further credit. 

I am seeking the CFPB 's assistance in ensuring that Experian : - Conducts a thorough investigation into the disputed information. 
- Corrects the inaccurate information immediately. 
- Provides me with a written confirmation of the corrections made. 
- Complies with the Fair Credit Reporting Act ( FCRA ) which requires the deletion of disputed, unverified information from consumer reports. 
- Provides a copy of their company policy to substantiate the representatives claims, as i believe such a policy would be in direct violation of 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 explanation
Consumer complaint received 2024-02-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXXN Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-13 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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
I moved out of XXXX  at XXXX  my place was immaculate and I have a witness my gf moved out with me. They owed me {$300.00} deposit never set it and then lied to collections said I have to pay for clean carpet. I lived there a year paid XXXX building has to put new carpet for next tentant not my responsibility and they tried to charge me to clean cabinets that were clean? They also put me in for {$170.00} collection I dont owe. Never validated my dispute and lie and said they sent it. They also violated the fdcpa and didnt state the mini XXXX while trying to collect this fraud error on my report I dont owe. Its also out of the statue of limitations. Call on XX/XX/24 violated fdcpa. 
Ideal recovery and collection in FL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 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: AZ

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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