vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Request for Removal of Hard Inquiries Dear Sir/Madam, I am writing to formally request the removal of certain hard inquiries from my credit report. I have reviewed my credit file and noticed the following inquiries that I believe should not be on my report : * XXXX XXXX chapel XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX manage XX/XX/XXXX * XXXX XXXX XX/XX/XXXX * XXXX XXXX XX/XX/XXXX * XXXX XXXX manage XX/XX/XXXX I am requesting that these inquiries be removed because : 1. I did not authorize the inquiry. 
2. The inquiry was made in error. 
3. The inquiry was made under circumstances that do not meet the conditions for a hard inquiry under the Fair Credit Reporting Act ( FCRA ). 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to request the removal of any unauthorized or inaccurate inquiries from their credit reports. I believe these inquiries were either unauthorized or made in error, and I ask that they be promptly removed from my credit file. 

Please review the details of the inquiries listed and remove them from my credit report. I would appreciate it if you could send me written confirmation once this issue has been resolved. 

Thank you for your prompt attention to this matter. 

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 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
Over the past XXXX years, I have utilized the Robinhood trading platform. Currently, my account holds a total of {$580000.00} ( with a peak value exceeding {$650000.00} ). However, Robinhood sold all of my assets without my consent, resulting in a substantial loss of over {$70000.00}. Despite providing my bank statement, identification, and selfie for verification, Robinhood abruptly closed my account without providing any valid reason. It has been more than a XXXX since I initiated communication with Robinhood regarding this matter, yet they have consistently refused to respond to my emails. My funds are still in Robinhood and they are refusing to return them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citicards CBNA ( that's how it is listed on my credit report ) has charged late fees and interest for the past few months. I told them that i have paid for every item i ever purchased with the card and that i further placed my payments in a properly addressed and properly stamped envelope PRIOR to the due date. All the current charges are for late fees and interest on late fees that i do not owe.

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 2024-11-22 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: CA

Complaint narrative:
In XXXX, an account with XXXX XXXX  was fraudulently opened in my name, using my personal information, including my social security number. This alarming discovery came to light only recently when I was in the process of applying for a rental contract. Upon reviewing my credit report, I found that this unauthorized account had gone into collections and is currently being managed by XXXX XXXX XXXX. The total amount that has accrued on this fraudulent account stands at {$3200.00}. I am completely unaware of how this account originated or who may have opened it in my name, as I has never authorized the creation of such an account. I have disputed this account with the credit bureaus and have included my police report as well.

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 2024-11-22 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:
In XXXX, an account with XXXX XXXX  was fraudulently opened in my name, using my personal information, including my social security number. This alarming discovery came to light only recently when I was in the process of applying for a rental contract. Upon reviewing my credit report, I found that this unauthorized account had gone into collections and is currently being managed by XXXX XXXX XXXX. The total amount that has accrued on this fraudulent account stands at {$3200.00}. I am completely unaware of how this account originated or who may have opened it in my name, as I has never authorized the creation of such an account. I have disputed this account with the credit bureaus and have included my police report as well.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

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. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX  Date of Inquiry : XX/XX/year>

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 2024-11-22 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: AL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX  Date of Inquiry : XX/XX/year> Account Name : XXXX Date of Inquiry : XX/XX/year>

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 2024-11-22 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: CA

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-11-22 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: SC

Complaint narrative:
My Credit profile was part of an XXXX breach which was acknowledged by XXXX. Since then I tried on numerous occasions disputing the accuracy of my credit profile. In XXXX  a fraud alert was placed on my profile with all three credit agencies specifically informing all creditors to call and verify before running or issuing any credit in my name... since then several accounts and inquiries have been documented on my report without my consent.

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 2024-11-22 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: SC

Complaint narrative:
My Credit profile was part of an XXXX breach which was acknowledged by XXXX. Since then I tried on numerous occasions disputing the accuracy of my credit profile. In XXXX  a fraud alert was placed on my profile with all three credit agencies specifically informing all creditors to call and verify before running or issuing any credit in my name... since then several accounts and inquiries have been documented on my report without my consent.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted the XXXX credit report about XXXX XXXX of filing XXXX XXXX 's, I have already been reported the information was identity theft, I have never lived at the address that is filing was completed at, XXXX said they verified & I have reached out to the court they said no has called or contacted them to provided any documents for these Bankruptcy filings, I have asked them to provided documentation that they used to show how it was verified -- nothing..I had filed a identify theft report in XXXX  regarding these same filings.. They need to be removed, I have never lived at the address where the filings either, that was probably why they was dismissed as well.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
All my money 's and assets are missing and Coinbase can't explain where it is

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: GA

Complaint narrative:
This letter serves as a formal and aggressive notice of dispute regarding the inaccuracies reported on my credit file by your organization. Despite several prior disputes, you have failed to correct the erroneous information associated with my account ( XXXX XXXX XXXX ) ( Account Number ending in XXXX ). This negligence is unacceptable and constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX ( 15 U.S.C. 6801 and 6802 ). 
LISTED ON : XXXX, TRANSUNION & XXXX Specific Issues in Dispute : Reported Balance of {$17000.00} : The reported balance is grossly inaccurate. I have never received {$17000.00} in any of my bank accounts or any other form of disbursement from your organization. This amount has no basis in fact and represents a fabricated figure. 

Balance Representation as a Positive Figure : The balance being reported as a " positive figure '' implies funds available to me, which is entirely false. This misrepresentation is misleading, deceptive, and harmful to my financial reputation. 

Repeated Reporting Errors : Despite previous disputes sent to your office, you have continued to report the same inaccurate data without conducting a proper investigation, which is required by law. Your failure to comply with federal statutes demonstrates either gross negligence or willful non-compliance. 

Legal Obligations Under 15 U.S.C. 6801 and 6802 : Under the XXXX XXXX, you are required to protect the accuracy and confidentiality of consumer information. Your repeated and continued inaccuracies reflect a failure to safeguard and properly verify my financial data, as mandated by law. This is a clear violation of your obligations, and I demand immediate corrective action. 

Demands : Cease and Desist Reporting Inaccurate Information : Immediately remove the incorrect balance of {$17000.00} and all associated derogatory marks from my credit report. 

Conduct a Proper Investigation : Complete a thorough investigation into the inaccuracies, providing me with documented proof of the origin and legitimacy of the reported balance. 

Provide Written Confirmation : Within 30 days, confirm in writing that the disputed items have been corrected and removed from all credit reporting agencies. 

Failure to resolve this matter promptly will leave me with no choice but to escalate this dispute further by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies to protect my rights. 

This is your final opportunity to address these inaccuracies before further action is taken. I expect immediate attention to this matter. 

Sincerely,

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 2024-11-22 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: GA

Complaint narrative:
This letter serves as a formal and aggressive notice of dispute regarding the inaccuracies reported on my credit file by your organization. Despite several prior disputes, you have failed to correct the erroneous information associated with my account ( XXXX XXXX XXXX ) ( Account Number ending in XXXX ). This negligence is unacceptable and constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 and 6802 ). 
LISTED ON : XXXX, XXXX & EQIFAX Specific Issues in Dispute : Reported Balance of {$17000.00} : The reported balance is grossly inaccurate. I have never received {$17000.00} in any of my bank accounts or any other form of disbursement from your organization. This amount has no basis in fact and represents a fabricated figure. 

Balance Representation as a Positive Figure : The balance being reported as a " positive figure '' implies funds available to me, which is entirely false. This misrepresentation is misleading, deceptive, and harmful to my financial reputation. 

Repeated Reporting Errors : Despite previous disputes sent to your office, you have continued to report the same inaccurate data without conducting a proper investigation, which is required by law. Your failure to comply with federal statutes demonstrates either gross negligence or willful non-compliance. 

Legal Obligations Under 15 U.S.C. 6801 and 6802 : Under the XXXX XXXX, you are required to protect the accuracy and confidentiality of consumer information. Your repeated and continued inaccuracies reflect a failure to safeguard and properly verify my financial data, as mandated by law. This is a clear violation of your obligations, and I demand immediate corrective action. 

Demands : Cease and Desist Reporting Inaccurate Information : Immediately remove the incorrect balance of {$17000.00} and all associated derogatory marks from my credit report.

Conduct a Proper Investigation : Complete a thorough investigation into the inaccuracies, providing me with documented proof of the origin and legitimacy of the reported balance. 

Provide Written Confirmation : Within 30 days, confirm in writing that the disputed items have been corrected and removed from all credit reporting agencies. 

Failure to resolve this matter promptly will leave me with no choice but to escalate this dispute further by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies to protect my rights. 

This is your final opportunity to address these inaccuracies before further action is taken. I expect immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation