vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: GA

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.

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
I believe compliance with FCRA 605B necessitates the elimination of erroneous accounts from my credit report. Can you verify the documents? Several listed accounts contain inaccuracies, causing me discomfort.

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 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: MA

Complaint narrative:
US Bank is " in the process '' of closing a newly opened checking account. I have a {$4700.00} balance deposited directly into my account, which is on hold to be refunded. The bank is unable to provide an update on the return. Cash was deposited from my employer into this account, and I can not pay living expenses without my cash deposit.

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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Company states i XXXX XXXX XXXX  the co-signer on the original contract @ the time my credit score was very low and i was told i needed a co-signer by XXXX XXXX XXXX, so XXXX XXXX co-signed on the contract!! i was also told that credit acceptance required a down payment as stated in the contract truth and lending disclosure XXXX XXXX XXXX the contract has wet signatures in wrong location without our knowledge which caused hardship on me XXXX XXXX each box has a different amount why is that this contract is fraudulent as i have stated to credit acceptance along with the XXXX  XXXX XXXX was made aware as well according to FCRA 15 usc 1681 reporting inaccurate information without my consent 7 yrs 11 months reported on my credit profile thru XXXX XXXX XXXX sent a letter to XXXX XXXX XXXX stating he was the co-signer on the contract cfpb im asking you to investigate further into this matter

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 2024-03-11 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: MA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
There were XXXX unauthorized XXXX payment transfers on my Chase account, amounting to a total of {$580.00}. I contacted the Chase fraud department and they added temporary credits during investigation, but then removed the credits after they thought that the transfers were authorized. In the Chase notice it said that I could request the information that they used to reach that conclusion. When I messaged Chase to request this information, I was told that they could not actually provide any of the documents. I am missing the {$580.00} from my account that was fraudulently sent to XXXX XXXX recipients that I do not know or recognize ( recipients named " XXXX  '' and " XXXX '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Account # [ XXXX ] To Whom It May Concern, I am writing to formally dispute the accuracy of the information reported on my credit report by TransUnion, XXXX, and XXXX XXXX XXXX, XXXX regarding Account # [ XXXX ]. 

I have identified several inaccuracies regarding this account : 1. Discrepancy in Last Active Date : TransUnion reports the last active date as XX/XX/XXXX. 
XXXX reports the last active date as XX/XX/XXXX. 
This discrepancy raises concerns about the accuracy and validity of the reported information. 

2. Discrepancy in Dates Opened : TransUnion reports the date opened as XX/XX/XXXX. 
XXXX reports the date opened as XX/XX/XXXX. 
These discrepancies further cast doubt on the accuracy of the reported account information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Based on the discrepancies outlined above and my rights under the FCRA, I request that the account # [ XXXX ] be thoroughly investigated and removed from my consumer reports. 

Please conducte a comprehensive investigation into this matter and provide me with a written response detailing the actions taken to rectify the inaccuracies. 

I expect prompt action in resolving this matter and appreciate your attention to this dispute. 

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 2024-03-11 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: NY

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT INQUIRIES... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I ONLY LIVE AT XXXXXXXX XXXX XXXX XXXX XXXX NEW YORK XXXX PLEASE DELETE ALL OTHER ADDRESSES. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXXXXXX NEW YORK 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 2024-03-11 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: NY

Complaint narrative:
I have identified the reporting of the information on my consumer report that are a result of identity theft. these information are not related to any transactions by me. its unauthorized. PLEASE DELETE following ACCOUNTS XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX... PLEASE DELETE FRAUDULENT UNAUTHORIZED OF REPORTING INFORMATION ON MY CONSUMER REPORT INQUIRIES... XXXX XX/XX/year>, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX. I ONLY LIVE AT XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX PLEASE DELETE ALL OTHER ADDRESSES. I NEVER LIVED AT ANY OTHER ADDRESS. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXXXXXX XXXX NEW YORK XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-03-11 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: TX

Complaint narrative:
XXXX, XXXX and Transunion are reporting several inaccuracies with the reporting of address and information from several accounts. First under the consumer protection act 15 USC 1681 e ( b ) Accuracy of Report 15 USC 1681i ( 5 ) Treatment of inaccurate or Unverifiable Information. All of the information should be deleted. I have one address that I want only one address on record which is XXXX XXXX XXXX XXXX, TX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA since they are inaccurate. 

XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX are fictious at best and are not on a map in the world XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX is not my address and I want it removed I have asked several times about all of these inaccuracies to be removed. I have review my credit report across all of the platforms and most of the information is falsely reported and should be removed late payments, amounts owned and dates opened, charged off and open accounts.

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 2024-03-11 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:
Equifax, XXXX and XXXX are reporting several inaccuracies with the reporting of address and information from several accounts. First under the consumer protection act 15 USC 1681 e ( b ) Accuracy of Report 15 USC 1681i ( 5 ) Treatment of inaccurate or Unverifiable Information. All of the information should be deleted. I have one address that I want only XXXX address on record which is XXXX XXXX XXXX XXXX, TX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA since they are inaccurate. 

XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX are fictious at best and are not on a map in the world XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX is not my address and I want it removed I have asked several times about all of these inaccuracies to be removed. I have review my credit report across all of the platforms and most of the information is falsely reported and should be removed late payments, amounts owned and dates opened, charged off and open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

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 2024-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
XX/XX/XXXX my Robinhood brokerage and debit card were both frozen and restricted. I am unable to move withdraw or deposit money from my brokerage account, open any positions, or utilize my debit card. Their app wanted me to take action to fix the issue, but I was stuck in a loop and a bug (? ) prevented me from seeing what documents I needed to submit to resolve. 

XXXX was able to log in on my desktop and got further, but it said I had already uploaded the needed documents. The app said to expect restrictions removed by the XXXX. 

XXXX I requested a call from support and waited in line for over an hour, and stayed in line overnight. 

XXXX Robinhood support called me at XXXX local time ( PST ) and I did not answer as I was asleep. I later checked my app and did not have the previous loop, but it said the selfie they required was already submitted. The app said to expect restrictions removed by the XXXX. 

XXXX I checked the app and had the loop happen again. 

XX/XX/XXXX Checked the app again and it now shows me a list of the required documents, but all of them are checked off except XXXX at the bottom. It listed a selfie XXXX, XXXX form of identification, a bank statement, and then another 'three point '' selfie ( unchecked )- which it then had me take. I took it, and it said to expect my restrictions lifted by XX/XX/XXXX. 

XX/XX/XXXX I requested a support call and received it. They could not tell me the reasoning for my restriction other than their proprietary system flagged me and restricted my account " for my protection ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: IL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-11 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: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation