vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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:
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 XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: TX

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 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 2024-10-15 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: Experian Information Solutions Inc.
State: TX

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 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 2024-10-15 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: FL

Complaint narrative:
On XX/XX/year>, I reviewed my consumer credit report and noticed that XXXX Bank XXXX, the issuer of the XXXX Card, continues to report inaccurate information despite multiple disputes. Specifically, the bank has incorrectly reported XXXX late payments ( XXXX and XX/XX/year> ), which were previously resolved and should not have been reinserted onto my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits the reinsertion of previously disputed and unverified information. 

In addition to the credit reporting inaccuracies, I had previously reported fraudulent activity on my Apple Card account, which the bank investigated without notifying or involving me, as required under the Electronic Fund Transfer Act ( EFTA ). The bank 's investigation concluded that the disputed transactions were valid, but I never consented to or received notice of the investigation 's progress or outcome, which violates my rights under 15 U.S.C. 1693m. 

On XX/XX/year>, I was contacted by XXXX Bank XXXX via phone without my authorization. This unsolicited communication violates my rights under the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227, as I had not given the bank consent to contact me by phone regarding this matter. 

Furthermore, XXXX Bank XXXX has failed to correct the inaccuracies on my report, despite acknowledging these errors during a previous dispute process. The banks actions have caused significant damage to my credit score and have led to financial harm, including difficulties in obtaining credit and higher interest rates.

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 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XXXX XXXX I made a mobile check deposit with ally totaling in XXXX I explained to them it was a tax refund check and it was sent from XXXX which is the number on the check I even called the business on the check and they said it was paid out to ally I was gave a date which was XXXX XXXX I still havent been able to access my funds! I have a lot of responsibilities and I would have never did this if I knew it was going to be so much trrouble the customer service barely wants to talk to me about anything I offered emailing mailing any documentation identification etc and nothing is being accepted this has been the worse experience of my life knowing Im giving all Information thats needed and im still being held from my money and blocked out my account

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 2024-10-15 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: IN

Complaint narrative:
My balance on the robinhood account is the {$2600.00} and they not let me take it out or use my account because I transfer some money to different accounts a week ago I reach out and they keep telling that the information i send that is ID pictures a selfie of me bank statement and pictures of my passport and they still saying the information i send doesn't match the information on robinhood they clearly see the money come in and out of my bank account they are doing this to hundreds of people this is robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Hello, I hope this message finds you well. I am a victim of Identity Theft. The thief has opened up multiple accounts with my stolen personal information. As a result, most of these accounts have been sent to collections.

Currently, the account opened at Professional Debt Mediation is not my account and is a direct result of identity theft. 

I can show all proper documentation proving my innocence. Please have them block this account from reporting to my credit report and have them conduct a proper investigation. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: VA

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 2024-10-15 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: NY

Complaint narrative:
I have already paid XXXX XXXX on both accounts, but they keep charging me, saying that i haven't paid them. when I removed myself from their autopay system, they have reported that I had two payments late on my closed credit card. Still to this day i have no idea why they closed both of my credit cards. They sent me a letter saying I've violated their terms and conditions and closed both of my credit cards. I would like to XXXX XXXX to be conspicuous about why they closed both of my credit cards and also to remove any late payments off my credit report, and mark them as " paid as agreed ''. 

It has been over 30 days of investigation and XXXX XXXX has not responded to any of my questions. I would like to get an answer from XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Prepaid cards do not work online or in store at any retailer whatsoever. Cards have not been used whatsoever and had purchases denied when attempted to use in person. When contacting the company, they have told me the cards were blocked or denied and sent new ones where the same thing has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-10-15 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:
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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : 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 2024-10-15 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:
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 XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX 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 2024-10-15 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: NY

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 XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE

Complaint narrative:
A payment of approximately {$20000.00} is due me from sale of shares in XXXX XXXX XXXX XXXX XXXX XXXX. Upon inquiry, I was informed that a check was mailed on XXXX XXXXXXXX XXXX No check has arrived, and there is every reason to believe that no check was mailed. In particular, this is the third occurrence of the same problem, such having occurred over payments for sale of shares in XXXX and in XXXX XXXX and XXXX. In each case, only after months of complaint and disinformation was payment received, by wire transfer in one case. 
A second inquiry in the present case was not answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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:
What Happened : Recently, XXXX XXXX XXXX and XXXX XXXX violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate auto loan information on my credit reports without my consent or proper notification. 

XXXX XXXX XXXX : They inaccurately reported an auto loan ( Account # XXXX ) as charged off with a balance of {$32000.00}, even though I had already paid off this debt in full. 
Additionally, XXXX reinserted this account into my credit file without following proper FCRA procedures, including failing to notify me, which violates USC Code 1681a ( 3 ). 
Since then, XXXX has been harassing me with repeated phone calls and unauthorized communications, causing emotional distress. 
XXXX XXXX : They inaccurately reported an account ( Account # xxxxxxxxxxxxx XXXX ) as charged off with a balance of {$32000.00}. This account is not mine, and I have never done business with XXXX XXXX. 
The company added this account to my credit report without my consent and did not notify me, violating FCRA rules. 
This unauthorized reporting has caused significant damage to my credit score. 
Actions Taken : I have disputed these accounts with the credit reporting agencies, but both XXXX XXXX XXXX and XXXX XXXX have failed to correct these inaccuracies. 
The companies have continued contacting me without my consent, further violating my rights. 
Violations : FCRA XXXX ( XXXX ) : Failure to notify me of reinserted information. 
Unauthorized and inaccurate reporting of auto loans on my credit report. 
Harassment through unauthorized communication. 
Requested Resolution : In order to resolve this issue fairly, I am requesting the following actions : XXXX removal of both inaccurate accounts from my credit reports. 

XXXX XXXX XXXX ( Account # XXXX ) inaccurate reporting of a charged-off auto loan. 
XXXX XXXX ( Account # xxxxxxxxxxxxx XXXX ) unauthorized reporting of a loan that is not mine. 
Cease all unauthorized communications and harassment from both companies, including phone calls and emails related to the disputed accounts. 

XXXX compensation for the emotional distress and damage to my credit caused by both companies : XXXX XXXX XXXX : {$15000.00} for harassment and emotional distress, plus {$25000.00} for credit damage. 
XXXX XXXX : {$15000.00} for unauthorized reporting and emotional distress, plus {$25000.00} for credit damage. 
Compliance assurance : Both companies should provide written assurance that they will follow FCRA laws in the future and handle any further disputes or reporting accurately and legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.

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 2024-10-15 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: FL

Complaint narrative:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct those accounts immediately.

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