vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$17.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} Original Creditor : XXXX  XXXX Balance Owed : {$130.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$17.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} Original Creditor : XXXX  XXXX Balance Owed : {$130.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: GA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 non-monetary relief
Consumer complaint received 2024-06-08 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: AL

Complaint narrative:
I realized my personal information has been shared by all 3 credits XXXX  and early warning services. I sent them all leters about this is and have requested to opt out of all charge offs on my report. As well as the debt that has been sold to a 3rd party, which is also considered a charge off and a charge off is considered a certificate of indebtedness. A certificate of indebtedness is now income and its law that you can't report income on your credit report. Ihave read exactly my rights and what they can report without concent, per FCRB, 15 USC 1681, 1681 ( b ) and 16CFR 313.1- 313.7 My privacy has been illegally shared without my concent per15 USC 6508. My right to opt out of anything on my report falls under 15 USC 6802-6805.

As a Federally protected consumer. I am now Opting Out of any and all authorization I the consumer may have given, written or unwritten, verbal, or non-verbal per 15 USC 6802. AND I refer to 15 USC 1681 ( permisable purpose ) for all inqueries on my credit report. XXXX XXXX XXXX XXXX XXXX, is the financial institution that is connected to all my info being shared. Along with : XXXX XXXX XXXX, XXXX, TransUnion, & XXXX. Also I want to be compensated for my info getting out when XXXX had been hacked and allowed my private info to be used by XXXX only knows who. And they have been using it.I kn I w this to be facts indeed. 
Thanks A Damaged Consumer, just putting my life back together with your ( CFPB help )

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 2024-06-08 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: MD

Complaint narrative:
I am exercising my right to dispute and investigate these accounts, which are incorrectly reported on my credit file. Under the Fair Credit Reporting Act, I should be awarded {$1000.00} for each erroneous report. FCRA 605B obligates us to report any inaccuracies found on a consumers 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 non-monetary relief
Consumer complaint received 2024-06-08 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: MO

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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 2024-06-08 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am exercising my right to dispute and investigate these accounts, which are incorrectly reported on my credit file. Under the Fair Credit Reporting Act, I should be awarded {$1000.00} for each erroneous report. FCRA 605B obligates us to report any inaccuracies found on a consumers report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX Balance {$300.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX Balance {$300.00} XXXX  XXXX Balance Owed : {$220.00} XXXX 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 explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-08 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: TX

Complaint narrative:
I was looking over my credit report and noticed some invalid collections that should not have been on my credit file. This is really affecting my credit file tremendously and is causing distress in my everyday life.

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 2024-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
Hello CFPB, I am reaching out back regarding the case ( XXXX ) I submitted about Robinhood Markets refusing to release my funds even after forcibly selling my shares without my authorization up until this day. 
Robinhood Markets claims there were transfers into my account from both the Ohio and New York Department of Labor ; hence, they won't release my funds. I will emphasize again that I had money already invested in my Robinhood trading account, which my bank statements have proven, and the fact that they are coming back saying some funds were in my account doesn't prove the money in the account doesn't belong to me. It's my account, and I'm fully responsible for what I do with and in my account, which is the sole purpose of trading stocks until Robinhood took that away from me. Also, the fact that it's been years since this account was closed and no one has come out to claim any missing funds should tell you the funds in my accounts are clearly mine. Robinhood is using this tactic as a means to hold onto my hard-earned money, which I toiled to get by serving this country in combat tours protecting this country. Why is my account closed and my funds still held up? This is clearly bullying and cheating. I need my money and I will not stop making noise until I get my money back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I am writing to address the serious violations of my rights regarding the handling and reporting of my account number XXXX. The following rights have been infringed upon due to incorrect reporting and mishandling of my account : Violation of IRS Regulations Right to Accurate Tax Treatment : According to IRS regulations, specifically IRS Publication XXXX, debts that have been charged off must be treated as income for tax purposes. These charged-off amounts should not be pursued as collectible debts, nor should they be reported to credit bureaus as active debt. The failure to comply with these regulations violates my right to proper tax treatment. 

Violation of Accurate Reporting Under FCRA Right to Accurate Credit Reporting : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, creditors must ensure the accuracy of information reported to credit bureaus. Reporting these charged-off accounts inaccurately as active debts constitutes a violation of my rights under the FCRA.

Violation of Opt-Out Clauses Under UCC Right to Assert Defenses and Discharge Debts : UCC Article 3 , Section 3-305 : This section allows an obligor to assert defenses against the enforcement of negotiable instruments. Misclassification and inaccurate reporting of these charged-off accounts infringe upon my right to assert these defenses.

UCC Article 9, Section 9-617 : This section addresses the rights of transferees of collateral and the discharge of obligations. The failure to reclassify and discharge these debts violates my rights under this section. 

Reporting Obligations Please ensure that these amounts are not reported as debts to any credit reporting agencies, given their legal reclassification. I request prompt confirmation once these updates have been completed. Should you require any additional information or documentation to facilitate this process, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 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: ND

Complaint narrative:
Despite making these attempts to address these discrepancies, the fraudulent items remain on my account, causing significant distress and inconvenience. The persistence of these fraudulent items on my account is adversely affecting my financial standing and trust in your services. I urgently request a comprehensive review of my case and an immediate resolution. Specifically, I am requesting : A thorough investigation into the repeated failures to remove the fraudulent items. Clear communication regarding the steps that will be taken to correct the account. A timeline for when I can expect the fraudulent items to be fully removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. Please help me remove these items immediately : XXXXXXXX XXXX XXXX XXXX SD XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} ; ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.

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 2024-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing this complaint against TD bank due to their failure to provide the required initial privacy notice as mandated by 15 U.S. Code 6803. This violation has resulted in the improper sharing of my nonpublic personal information with consumer reporting agencies without my informed notice. 

Detailed Summary : 1. Lack of Initial Privacy Notice : According to 15 U.S. Code 6803, Td bank is required to provide a clear and conspicuous privacy notice at the inception of our customer relationship. I do not recall receiving such a notice at the start of my relationship with [ Company Name ]. 

2. Violation of Federal Privacy Laws : The absence of this required initial privacy notice constitutes a violation of federal privacy laws. This failure to comply with legal requirements has compromised the transparency and understanding of how my personal information is handled. 

3. Improper Information Sharing : Due to the lack of the required privacy notice, I was not informed about TD bank 's policies and practices regarding the sharing of my nonpublic personal information with consumer reporting agencies and other third parties as allowed under section 6802 ( e ). As a result, TD bank has shared my personal information without providing me with adequate notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Global Lending Services LLC
State: CA

Complaint narrative:
My vehicle was repoed on XXXX XXXX my late car payment wasn't due til the XXXX a unidentified tow truck came and took my car at XXXXXXXX XXXX  on the XXXX and didn't give me any paperwork... on XX/XX/XXXX my car was then sent to auction XXXX hours away in XXXX XXXX XXXX.I pd my car up to date by the deadline on the XXXX of XXXX... I was told I needed to get the name of the tow truck company so I called global lending and they said they can't give that info so they told me to call loss prevention which they said call the tow yard whom turn around and said call ur lender XXXX XXXX XXXX I'm so frustrated no one will give me this information I don't know what to do please help me..if u need more information please email me.. 
Thank you have a gd day Sincerely

Company response to consumer: Closed with explanation