vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: CORELOGIC INC
State: MA

Complaint narrative:
the following are the list of inquires made by this companies. I request that the protection bureau takes action and request this companies to comply and eliminate my information from their system. This companies are currently on my credit report. I have no knowledge of how they are in my report. please advise urgently. 

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 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 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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I used to bank with Wells Fargo and I found XXXX unauthorized ATM transactions on my Wells Fargo bank account statements. For both of these unauthorized ATM withdrawal transactions it states a phrase on my bank account statements after each transaction which happened on different dates. It states the merchant where the transactions took place, the ATM information, the address, then it says after all of this for each transaction, XXXX. These are XXXX transactions that I did not perform. Also, my husbands nickname is XXXX XXXX so I am thinking that a female friend of my husbands ( soon to be ex-husband ) stole my card and used it, then was for some reason favored by Wells Fargo. It states this XXXX after the address so it has nothing to do with the address and from how it is typed on my statements the XXXX and the XXXX are capitalized making it obvious that it means XXXX XXXX XXXX. So I am taking this as discrimination and negligence on Wells Fargo end and absolutely disgusting, disrespectful, and humiliating. They obviously favored this female friend of my husbands and stated that for my eyes to see on my personal bank account statements. I am absolutely dumbfounded and I will be seeking compensation for this. Also, someone unknown ( thought to be the same person ) established XXXX unauthorized Wells Fargo bank accounts in my name without my knowledge and/or consent, stole money from my personal savings account via unauthorized online transfer, was issued a debit card in my name, and performed an in-branch withdrawal transaction and wrote my SSN on the withdrawal slip wrong and off by a couple of digits and forged my signature stealing {$500.00} out of my account. I have also had other acts of identity theft with other banks, my XXXX email accounts, XXXX XXXX, and a local gym happen and it is thought and believed that this is the same person who did this. So it is possible that Wells Fargo aided someone my husband was having an affair with and who targeted me, making me a victim.

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 2024-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: AR

Complaint narrative:
I paid sunrise credit services {$260.00} on XX/XX/year> and another {$260.00} on XX/XX/year>. The company made a settlement that if I paid this amount twice my debt would be resolved in 24-48 hours.

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 2024-11-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX on XX/XX/year> under the account number ending in XXXX.This accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and XXXX  fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance 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 explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and identified significant inaccuracies related to an account reported by XXXXXXXX XXXX XXXXXXXX. The inaccuracies are as follows : XXXX XXXX  XXXX  can not provide any paperwork demonstrating a contract between myself and their organization. All documents they have presented come from other parties, which does not constitute proof of validation or verification. The credit report states that the account was " Date Opened '' on XX/XX/XXXX, but the " Report Date '' is XX/XX/XXXX. This inconsistency is another clear error and raises questions about the validity of this entry. The report lists " TRANSFER_OR_SOLD '' without identifying the name of the entity to whom the account was transferred or sold. The absence of this information constitutes another fraudulent and removable offense. The report reflects no payment history under " Frequency of Payment History, '' yet it lists the account as late. It is impossible to have no payment history and simultaneously report late payments without providing any supporting evidence, which is another infraction against my credit report. Additionally, I have provided an affidavit from the government affirming that this information is inaccurate and fraudulent, along with supporting documents such as my Social Security card and ID to prove my identity and refute any association with this account. I have already conducted a full identity fraud validation, and both XXXX and TransUnion have removed this information from my credit report. Despite this, XXXX XXXX XXXX has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not removing this unverifiable and inaccurate information. Given these errors, I am requesting the immediate removal of this account from my credit and tenant reports. Failure to address these violations will leave me no choice but to pursue legal action, as I have already consulted with legal counsel regarding this matter. Thank you for your immediate attention to this issue. I look forward to a prompt resolution.

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 2024-11-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My Synchrony Bank, NA certificate of deposit at 5.1 % was to mature on XXXX XXXX, 2024 with a 10 day grace period. I called the bank on XX/XX/year>2024 to determine whether to roll the CD to a 4.1 % CD for another 12 months or move the funds. I decided to move the funds to the same bank 's high yield ( 4.3 % ) savings account. The bank reps told me that it would take between 2-5 business days to " close the account '' and another 2-5 business days to " move the funds '' to the same bank 's savings account. I asked where the funds would reside during those business days and was told that the funds would stay in the CD until credited to the savings account but would receive interest at the new 4.1 % rate, even though it was in the same CD at 5.1 % during the grace period. I asked why it would take up to 10 business days to move funds within the same financial institution when a brokerage account could move the funds the same day. The reason given was that that is " bank policy. '' It is ridiculous that the bank should have the use of my funds at the lower rate ( 4.1 % ) when I should be earning either the current CD rate ( 5.1 % ) or at least the savings rate ( 4.3 % ) on the business day after the maturity date of the current CD. While XXXX basis points may seem nominal, the bank does this to everyone and that adds up to significant interest lost to its customers.

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 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Debt verification lettter was sent on XX/XX/XXXX by certified mail. Tracking shows receipt of letter was received on XX/XX/XXXX. See in uploaded documents. Under FCRA, the company is required to report accurate information. The company has yet respond to the request as of XX/XX/XXXX which could imply that this debt is not mines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I never filled out an application for this one main financial. Please remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/year> email XXXX address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX once again I request the information that you send me with the 21 days advance notice before posting the delay to my credit bureau and you still have not provided me with any information. If such information exists please send it to me by this means. If not, please remove the information from all 3 credit bureaus.

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 2024-11-24 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: KEYCORP
State: PA

Complaint narrative:
On XX/XX/year>, I filed a dispute with Key Bank due to an amount of {$100.00} being withdrawn from my checking account without my authorization for a purchase of the XXXX XXXX  that I did not authorize or order. The bank did refund the {$100.00}, while investigating my dispute, then on XX/XX/year>, a provisional credit of {$100.00} was taken back out of my checking account, I received a letter stating that I never canceled my subscription to XXXX XXXX, which in fact XXXX  years ago, I canceled my subscription, during the 7 day free trial period, I called XXXX customer support and canceled the subscription, now XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: FL

Complaint narrative:
XXXX I had my robinhood account for two years, i transfer XXXX USD, from my bank account ( XXXX  XXXX ) ( with my name on it ), I proceeded to by XXXX and they frozen my account, so I cant withdraw my funds, they didn't tell me why, I tried to contact customer support and I could even wrote anything on the chat, it shows as I responded " I'm satisfied '' and every time I tried to make a new chat it shows the same, I tried to call them, the wait time is 4 hours, and when I get to number 1 they close my account, I already provide them with all the info they want and they do nothing, they don't even let me withdraw my funds to the original method of payment, is impossible to contact them or get help, I need my money back as soon as possible. I already heard I'm not the first person that go through this, this company does shady things!! this was on XX/XX/XXXX. They to this to people all the time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, TRUISTAUTO Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  XXXX Date of Inquiry 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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have experienced a financial hardship previously ; however, the account is reporting as a chargeoff. I didnt receive a 1099 form. Could you please send me a copy of my 1099 for tax purposes?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> a card was opened at capital one credit card company without my consent, also on XX/XX/year> at XXXX XXXXXXXX XXXX these cards where maxed out XXXX $ and where opened before my release from XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year>. I have notified these companies that it was not me also the credit bureaus who are reporting them on my credit report. I have sent proof of address, verification of incarceration, and a police report stating all these things wrong with my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The companies involved are XXXX, TransUnion, and XXXX. I provided my California State ID, a utility bill with the correct address, and my rental history to confirm that I have never lived in Texas. Despite this, the issue was never resolved, and the Texas address remains on my credit report. 

To verify my identity, they are using an address that does not belong to me and where I have never lived. I am formally requesting that the Texas address be removed from my records by all three credit bureaus. 
I did report this to the authorities and filed a fraud report.

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