vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: MD

Complaint narrative:
I am writing to dispute inaccurate information on my credit report as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section grants me the right to request the removal of inaccurate or fraudulent information related to identity theft from my credit file.

Reason for Dispute : I believe these items were the result of identity theft, and I request the permanent removal of these inaccurate entries under Section 605B of the FCRA. I have attached the necessary documentation to support my claim.

Request for Deletion Under Section 605B, I request that these fraudulent items be permanently removed from my credit report and that you confirm this action by sending me an updated copy of my credit report.

Notification of Re-insertion Requirements ( Section 611 ( a ) ( 5 ) ) In accordance with Section 611 ( a ) ( 5 ) of the FCRA, if any of these items are later re-inserted in my credit file, you are required to notify me within five business days of their re-insertion and provide me with the name, address, and phone number of the information source. Failure to do so violates my rights under the FCRA.

Enclosures : Supporting documentation identity theft trooper from FTC as required by law

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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

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 2024-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
Robinhood froze my account yesterday, right after I put all of my money in it. It said to upload my ID and take a selfie, so I didn't. Now it says that I have to get a call from support to unfreeze my account. I have waited close to a full 24 hours, and they will not reach out. I'm just locked out of my funds, and there's NOTHING I can do except wait for them to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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 am a victim of identity fraud. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts has violated my rights. I looked at my Experian credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-16 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: TX

Complaint narrative:
Transunion is reporting information on my credit report that is fraudulent. I have requested that this information be investigated and removed. But it's still showing i have listed the information below that is inaccurate. 
XXXX XXXX XXXX XXXX Opened XXXX {$1100.00} XXXX XXXX XXXX  Opened XXXX {$1300.00} XXXX XXXX XXXX Opened XXXX {$2300.00} XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Government XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel ) XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Hotel and travel XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion Violating consumer rights and I want immediate action.

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 2024-11-16 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: IL

Complaint narrative:
I have yet to receive any feedback from credit bureaus regarding incorrect information on my credit report and the improper use of my report by allowing someone to furnish a hard inquiry or account not authorized by me XXXX XXXX. I am repeatedly being asked for information already submitted several times which is becoming a stall tactic for a thourough investigation.

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 2024-11-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section XXXX A, States I have the right to privacy. 
15 U.S.C 1681 Section XXXX A, Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1692b acquisition of location information by debt collectors.

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 2024-11-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section XXXX A, States I have the right to privacy. 
15 U.S.C 1681 Section XXXX A, Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
TSI Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Account number XXXX Sent me a bill for {$360.00} with XXXX. 
My complaint with them is : you post consumer information on your website that they need to write out interest, fees, payments and credits. 
They didn't bother to give me a breakdown. Why? 
In XXXX the XXXX bill according to XXXX at XXXX was {$270.00}. That incorrect amount is figured on XXXX  suspending my phone XX/XX/year>. So how can I accrue a larger balance? 
That {$270.00} is after XXXX reversed my {$220.00} amount in a credit dispute. So, you can see the confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-11-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information Employers : 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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent information reported on my credit report by Equifax. The account with the account number [ XXXX ] is marked as a " Chargeoff '' in the account status. However, the payment history incorrectly shows " OK '' ( paid as agreed ) for every month up until XX/XX/XXXX, which contradicts the charge-off status. 

Additionally, the balance is reported as {$0.00}, but the past due amount is listed as {$3900.00}, which is inconsistent and misleading. The " Date of Last Payment '' and " Date Last Active '' are both shown as XX/XX/XXXX, yet the account was last reported as charged off in XX/XX/XXXX. 

These discrepancies indicate a failure to maintain accurate reporting, in violation of the Fair Credit Reporting Act ( FCRA ), specifically under : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i : Failure to conduct a reasonable investigation of a dispute.

15 U.S.C. 1681s-2 ( b ) : Failure of the data furnisher to update inaccurate information.

I request the CFPBs assistance in investigating this matter and ensuring that Equifax corrects the inaccuracies or removes the account from my credit report if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: MS

Complaint narrative:
Dates : XXXX XXXX XXXX XXXX XXXX XXXX  Ive contacted Direct Express many times to inform them that I am unable to make purchases with my card. My card is being declined everywhere when there is in fact money on there. They arent trying to help me at all. The agents are rude and hang up in your face while telling you that they cant help you. They have you on hold for at least an hour claiming the reps are busy and this is absolutely ridiculous! I am furious!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report due to a data breach that compromised my personal information. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and XXXX ( b ), I am entitled to request the removal of accounts resulting from unauthorized activity. 
Accounts to XXXX and Delete : XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX  XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$480.00} XXXX. XXXX XXXX XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$1700.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$950.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$120.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$530.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$84.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - Balance : {$670.00} XXXX. XXXX XXXX XXXX - XXXX - Opened : XX/XX/XXXX - Balance : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute unauthorized inquiries on my credit report and to assert that my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. The FCRA explicitly outlines the permissible purposes for pulling an individual 's credit report, and I did not provide consent for the following inquiries made on my credit profile. 

Upon reviewing my credit report from XXXX, TransUnion, and XXXX, I have identified the following inquiries that were made without my authorization : ( 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 XXXXXX/XX/XXXX These inquiries were not obtained with my consent, nor do they fall under any permissible purpose as defined by the FCRA. As such, I demand that these inquiries be removed from my credit report within 4 business days, as they are negatively impacting my credit score. 

I expect that you take immediate action to correct this issue.

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 2024-11-16 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized inquiries on my credit report and to assert that my consumer rights under the Fair Credit Reporting Act ( FCRA ) have been violated. The FCRA explicitly outlines the permissible purposes for pulling an individual 's credit report, and I did not provide consent for the following inquiries made on my credit profile. 

Upon reviewing my credit report from Equifax, XXXX, and XXXX, I have identified the following inquiries that were made without my authorization : ( 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 XXXXXX/XX/XXXX These inquiries were not obtained with my consent, nor do they fall under any permissible purpose as defined by the FCRA. As such, I demand that these inquiries be removed from my credit report within 4 business days, as they are negatively impacting my credit score. 

I expect that you take immediate action to correct this issue.

Company response to consumer: Closed with explanation