vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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: Exeter Finance, LLC.
State: DC

Complaint narrative:
I was sent information saying that my credit information was linked. A " breach of credit information link '' on your account usually indicates that a data breach has occurred where your credit card details or other sensitive financial information may have been compromised. After carefully monitoring my credit I have a lot of suspicious activity. Accounts that dont belong to me and I want deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: GA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit score from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Since XX/XX/2024 to XX/XX/2024 i have sent certified mail to XXXX : disputing an Account on my Credit Report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX who's phone number is : XXXX, that says on my credit report the Account has been charged off with the following account number : XXXX XXXX, which doesn't have an account closed date, XXXX has XXXX XXXX XXXX XXXX with no address and no number on the report it also says the Account has been Charged off and closed on XX/XX/2024, Account number : XXXX XXXX And Finally on the Trans Union Credit Report the Account status is : Unknown with a closed date of XX/XX/2024 with no address and no number on file, Account number : XXXX XXXX, this Company has not Shown proof this account belongs to me and has not furnished a Contract for over 1 year. I demand these accounts be removed immediately from the report i also have filed an ( FTC Report Number XXXX ) about this issue FTC Report Number XXXX Also on the Trans Union Report : XXXX XXXX XXXX  Account Status Unknown Account number : XXXX with no known address and no phone number and XXXX XXXX  Account Status Unknown, Account Number : XXXX with no known Address and no phone number. 

FTC Report Number XXXX, I Demand All Credit Bureaus Remove these accounts from my Credit report immediately. according to the FCRA Act : Fair Credit Reporting Act Section : 605 B Fair Credit Reporting Act Section 609 E Fair Credit Reporting Act Section 611 The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial

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 2024-12-18 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: TX

Complaint narrative:
There's an inquiry on my credit report that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report. It is stressing me and making me anxious on why and how this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX 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 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 2024-12-18 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: FL

Complaint narrative:
On XX/XX/XXXX, XXXX logged me out of my account and required me to change my password, as if my account had been compromised. From that point forward, they restricted my account saying Your account is under review due to unusual activity and demanded me to upload identity documents, such as my drivers license, what I did the same day. However, after uploaded it and confirmation of receipt, they stated We have received your documents. We will review your documents and notify you about your account restriction by XX/XX/XXXX ( next day ), but when you logged into the app the " next day, '' the response date changes again, and again, and again since over then. 

Its impossible to contact them directly by phone or by email. While I can request a callback through the app, it takes around XXXX hours, and when they do call, the agents merely read from scripts and refuse to address any substantive issues or answer meaningful questions. The only action an agent did was to send a link by email to upload again the identity documents and the process started over again. I feel I am trapped in a loop with any kind of reliable information or time frame. 

Since XX/XX/XXXX, my account has been completely restricted. Ive only been allowed to close positions but can not open new ones or transfer funds to my bank account. With over {$120000.00} in cash and over {$230000.00} in stocks for a total amount of {$350000.00}, I essentially have all my funds locked in XXXX. This situation is causing me great stress as it is becoming almost impossible for me to cover my personal expenses. As I mentioned earlier, all my cash is in that account XXXX support agent who called me was disrespectful, dismissive, and abusive, treating me as if I were acting in bad faith or had done something wrong. 
I turn to the CFPB with the hope that you can assist me in this traumatic process. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
XXXX credit report {$700.00} high balances {$300.00} credit limit was the balance Company : XXXX XXXX Indigo / XXXX Report # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: WA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
On XX/XX/year> I received a certified letter at the local post office that was a notice for civil litigation from XXXX XXXX XXXX. I had disputed this alleged debt with XXXX, twice. I requested all debt proof be sent, at which time it was not. I still have not received anything. 
On XX/XX/year> a judgement was put in place as I was not able to make the hearing, and I was still in an active dispute with XXXX Funding. 
On XX/XX/year>, I received a text message that stated : This text is from Shepherd outsourcing, a debt collector regarding your XXXX  XXXX Bank XXXX. ( for which the current creditor is XXXX XXXX XXXX ) account. Visit portal-shepherd.com/? XXXX & s=wVSwk. Reply stop to opt-out or call XXXX. # of messages varies. Message & date rates XXXX apply. This is an attempt to collect a debt and any information obtained will be used for that XXXX XXXX XXXX Reply STOP to opt out. 

XXXX outsourcing, and XXXX XXXX have internally exchanged that " alleged '' debt without still notifying me of any proof that I have requested and disputed to this day. XXXX XXXX and XXXX XXXX are still making attempts to collect this alleged debt that I have no claimed, after receiving a judgement from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: OH

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-18 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: OH

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-18 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: MD

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME ANXIETY AND I WON'T ALOW IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
I ordered an item from XXXX XX/XX/year> XXXX XXXX Products by The Futon ... https : XXXX? ref=ppx_pop_mob_ap_share. I paid XXXX through my XXXX XXXXd by Goldman Sachs and returned it after determining it did not fit the items description. I opened a dispute with the XXXX XXXX company. XXXX confirmed XX/XX/year> that XXXX shows that the item was delivered to the seller on Friday, XX/XX/XXXX XXXX XXXX ) at XXXX A.M. at Dock coming to XX/XX/year> I receive an email from XXXX stating We received your email about order XXXX. We have researched this matter and confirmed that the dispute in question has been resolved between XXXX and your card issuer. Therefore, we will not be able to reimburse you. Goldman Sachs refuses to to acknowledge all the information provided that the item is confirmed returned XXXX wanted to issue the refund but was blocked by an inadequate investigation and Goldman continues to try and charge me for this returned item well over a year later and several so called investigations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
XX/XX/year> had to buy a car to restart credit after bankruptcy divorce and child custody case plus XXXX XXXX XXXX they charged to much for the car plus too much interest and too high a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: AR

Complaint narrative:
I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and I did not authorize any of the accounts or inquiries mentioned below. These accounts must be blocked and deleted in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent AccountXXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - $ XXXX XXXX XXXX - XXXX - XX/XX/XXXX - $ XXXX RXXXX  - XXXX - XX/XX/XXXX - {$10000.00} XXXX  - XXXX - XX/XX/XXXX - {$10000.00} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/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 2024-12-18 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

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 2024-12-18 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: GA

Complaint narrative:
XXXX and Equifax has a collection account for a XXXX XXXX XXXX that is on my credit report witch is stopping me from employment and other things I have asked for validation of this debt plenty of times they ignore and say that everything is accurate and I requested proof in written over the phone and online for over 6 months I have explain to them and the collection agency this account does not belong to me no one will provide proof of me owning this account and debt they are violating my right fcra law to a complete and accurate credit report I will like a investigation into Equifax and XXXX for fraudulent reporting of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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:
It's only coming to me now how I've been declined opportunities, and it's incredibly frustrating to realize that these inaccuracies have been hurting me all along. I never authorized these accounts, yet theyre sitting on my report and unfairly pulling my credit score down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I was caught up in a ponzi scheme and the scammer used PAYPAL as the mode to make the money transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: AL

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report, as I am a victim of a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file. These accounts were opened or reported without my authorization. 
Fraudulent Accounts to be Blocked and Deleted 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 XXXXXX/XX/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 2024-12-18 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: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

Complaint narrative:
XXXX, XXXX, and Experion, as well as XXXX XXXX, I have asked them to remove two specific collections on my credit report, even though the debt is not collectable, it is still on my report and ITS not mine, I have asked at least 4 times, to prove its mine, by show where I signed for the debt, they never show me

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