vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: AR

Complaint narrative:
Mistakes involving unauthorized inquiries are present on my credit report per 15 USC 16c-2. Please remove them to prevent further damage.

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 2024-11-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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 couldnt believe it when I saw incorrect accounts on my credit report tonight. I check it often, so I was taken aback when these errors just showed up. I even tried refreshing the page to see if it was an error on the site, but they wouldnt go away. Because of this, Im urgently requesting that my documents be reviewed carefully so I can stop worrying about these issues.

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 2024-11-14 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: GA

Complaint narrative:
I am frustrated to find unauthorized inquiries on my credit report this morning, with no idea where they came from. After routinely checking my report, these discrepancies appeared out of the blue. I even refreshed my browser, thinking it was a technical glitch, but they remained. Please review the documents I submitted carefully so I can stop worrying about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: GA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported to be removed. 

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. 

XXXX XXXX XXXX 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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: DC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: PA

Complaint narrative:
Im seeking your assistance with this incorrect account appearing on my credit report. I have raised this issue as it has hurt my reputation as a customer, and I need your help. These accounts need to be removed due to the negative and inaccurate reporting.

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 2024-11-14 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 2024-11-14 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: VA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 explanation
Consumer complaint received 2024-11-14 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: SC

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. It had XXXX late payment on an account that was paid on time. The consumer agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint. I'm now requesting you investigate this account and this payment to be paid on time. Thank you for understanding.

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 2024-11-14 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
my Coinbase account number is XXXX and my name is XXXX XXXX I signed up for Coinbase account for several years but haven't log in for a while, I transferred amounts of crypto currencies from other wallet. I am trying to sell these crypto assets, but it warned me that my Account is under review. 

" Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or XXXX to check your status. '' There is no way to find the customer service, and no one to help me to unlock the account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I submitted ftc report to XXXX, XXXX, Transunion as well as a written formal dispute and request to remove two fraudulent/unauthorized XXXX XXXX credit card accounts. I demand that these accounts be removed from my credit report. I have submitted identity theft report and supporting information.

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 2024-11-14 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: FL

Complaint narrative:
I submitted ftc report to XXXX, Equifax, XXXX as well as a written formal dispute and request to remove XXXX fraudulent/unauthorized XXXX XXXX credit card accounts. I demand that these accounts be removed from my credit report. I have submitted identity theft report and supporting information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thomas George Associates, Ltd.
State: FL

Complaint narrative:
Got a letter in the mail of a supposed debt collection agency accusing me of owing them money. I do not know who they are and will not respond unless required by law or court to do so. I am not aware of any of the parties on the letter so Im assuming it to be fraud. I also searched Thomas George Associates Ltd. on XXXX and many people said similar things to my current situation. They have horrible reviews and a lot of people are not happy.

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 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am unaware of this debt I debt I didn't have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certified receipt with my name on it and my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: DC

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$0.00} XXXX 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 2024-11-14 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:
Good Evening, My name is XXXX XXXX, I am writing to formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed a XXXX XXXX account and multiple collections from companies I do not recognize, and I have not authorized any of these accounts. 

As these accounts do not belong to me, I am concerned that my personal information has been compromised. I take this matter very seriously and would like to ensure that my credit report accurately reflects my credit history. 

Thank you for your prompt attention to this matter. I look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My account has been negative and I have also been charged returned check fees or overdraft fees when there was no money in my account for anything to go through. I called to make the changes to my account to ensure this would not happen in the future. However they have repeatedly let companies I asked to be blocked, to charge my card. The policy Im quoted is that they can only forgive my account a certain amount of times within a month. I have not received the money back and over a few years those fees build up. Even when they investigate sometimes its over turned and I literally didnt spend the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I was shocked to discover inaccurate accounts on my credit report tonight, with no idea how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the incorrect accounts stayed. I am deeply frustrated and request a thorough review of the documents Ive sent to avoid this stress in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was charged multiple fees for overdraft when my account was covered by oops protection. Also navy fed charged off an account for me due to FRAUD after I provided all of the information that it was fraud on the account. Year 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 2024-11-14 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: PA

Complaint narrative:
I need your support with the incorrect account being reported on my credit report. This concern is damaging to my reputation as a customer, and I need your help in resolving it. These accounts must be removed since they are reported inaccurately and reflect negatively.

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 2024-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/year>, I received an email from Robinhood notifying me of their decision to close my accounts due to alleged suspicious activity. However, the only unusual activity I experienced recently was a series of phishing emails attempting to acquire my login credentials, to which I did not respond. I have been using my account in a manner fully compliant with Robinhoods terms of service. 

Following this notification, I sent three emails to Robinhoods support team requesting clarification on the sudden account closure. To date, I have not received any response. My accounts do not have a negative balance, and Robinhood indicated they would release my funds, yet no action has been taken. I am in urgent need of access to the funds held in these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: WI

Complaint narrative:
Subject : Complaint Against Collection Agency for Failure to Validate Debt Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Vance and Huffman LLC a debt collection agency, for their failure to validate a debt they allege I owe and for their adverse reporting on my credit report. 

I have repeatedly requested documentation verifying the legitimacy of this debt, which they claim is mine. Despite my efforts, the collection agency has not provided the required proof, such as an original contract or detailed account statement. Instead, they have instructed me to provide personal information without furnishing any evidence to support their claims. 

Moreover, the agency has reported this debt on my credit report with a recent date, suggesting fresh delinquency, which I believe is fraudulent. This negative entry is damaging my credit score and financial standing despite my clear objections and requests for validation.

I also previously submitted a complaint to your office concerning this matter and have not received a response. The lack of action from both the collection agency and the CFPB is a critical concern, leaving me vulnerable to unwarranted financial repercussions and continued harassment.

I kindly request the CFPB 's assistance in addressing this issue. Specifically, I am seeking : 1. Intervention to compel the collection agency to provide the necessary debt validation documentation.

2. An investigation into the legitimacy of the agency 's actions and their reporting on my credit file. 
3. Immediate correction or removal of the erroneous information reported by the agency to the credit bureaus.

Your prompt attention to this matter would be greatly appreciated. I am hopeful that your intervention can help rectify this unjust situation and prevent further harm to my creditworthiness.

Thank you for your assistance.

Company response to consumer: Closed with explanation