vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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:
Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review and reference.

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 2024-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I tried to transfer money from Robinhood into my XXXX XXXX acct. but since it was a trust acct. it wouldnt go through. I then tried my other acct. and it wouldnt go through since it was an LLC. I didnt know this. So after attempting several times Robinhood froze my acct. 

I am unable to access my money and they havent explained why. Ive tried their chat line and a few times on the phone. But no one can say anything except my acct. is under review. I dont know when the review will take place. I dont know when I can have my money back I opened an acct. at XXXX XXXX  in my own name. I was now told they wont transfer to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: FL

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple unauthorized inquiries and a fraudulent XXXX XXXX XXXX account that I did not open or authorize. 

Despite previous disputes and the submission of an FTC Identity Theft Report, these errors persist. The fraudulent inquiries include : XX/XX/XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. 

XX/XX/XXXX : XXXX 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 non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. My credit report contains multiple unauthorized inquiries and a fraudulenXXXX XXXX XXXX XXXX account that I did not open or authorize. 

Despite previous disputes and the submission of an FTC Identity Theft Report, these errors persist. The fraudulent inquiries include : XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
I purchased a vehicle via a loan with a co-signer and {$1000.00} down and was told financing would be through XXXX XXXX  at the beginning of XXXX at XXXX XXXX XXXX in XXXX, Kansas. Instead of submitting paperwork for my current vehicle to the creditor, the dealership submitted paperwork for a previous car I had looked at. Subsequently the financing deal through XXXX XXXX expired and I was notified via letter. I had already given my XXXX trustee the title with XXXX XXXX as the creditor. On XX/XX/XXXX my car was financed through Credit Acceptance, yet since then I have not been able to get my title fixed and subsequently have not been able to register my vehicle that Ive had since 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 monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
Im on the SAVE plan. In XXXX I was told that my loans would be in forbearance and no interest would be accruing. Today I got a letter that my loans were accruing interest but in that letter it reflected my interest rates as XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 non-monetary relief
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I have identified an unauthorized account on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account from my credit file : XXXX XXXX  XXXX XXXX XXXX  XXXX Account No. XXXX Opened XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and I have identified an unauthorized account on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following fraudulent account from my credit file : XXXX XXXX  XXXX XXXX XXXX  XXXX Account No. XXXX Opened XX/XX/2021 Balance : {$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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
lam being taken advantage of by early warning and XXXX XXXX  these companies are violating my rights given to me by the fcra l did not open up any bank accounts these accounts were opened up fraudulent according to 15 usc 1681 ( b ) ( 2 ) my permission is needed for any person to access or furnish anything on my consumer report that permission was not granted by me not only are fraudulent bank accounts on my early warning and XXXX XXXX  being reported without due cause my right to privacy has been infringed upon due to these fraudulent and inaccurate accounts I demand that each fraudulent account be removed there is no way the banks can validate fraudulent activity due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TN

Complaint narrative:
I am writing with a heavy heart to formally dispute inaccurate information that is being reported on my credit report. The following items are incorrect, and the stress they are causing is deeply affecting me. These errors are negatively impacting my credit score, and I feel helpless as I try to resolve this issue : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$5500.00} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Creditor type : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$260.00} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status : Inaccurate INQUIRIES : TRANSUNION XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX It is truly disheartening to see that these items are either inaccurately reported or have already been resolved, yet they remain unresolved. I kindly ask that they be thoroughly investigated and corrected. Despite my efforts to reach out to the credit reporting agency and the data furnisher, the issue persists. I have attached supporting documentation and screenshots of my credit report to show the inaccuracies and to support my claim. I sincerely hope that this matter can be investigated as soon as possible, so my credit report can be updated to reflect the accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: TN

Complaint narrative:
I am writing with a heavy heart to formally dispute inaccurate information that is being reported on my credit report. The following items are incorrect, and the stress they are causing is deeply affecting me. These errors are negatively impacting my credit score, and I feel helpless as I try to resolve this issue : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$5500.00} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Creditor type : Inaccurate Close Date : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  XXXX Account Number : XXXX Balance : {$260.00} Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status Inaccurate Account Name : XXXX XXXX  Account Number : XXXX Reason : I am deeply concerned about the missed payments and late payments on this account. I respectfully dispute these charges and kindly request that you provide statements and records of all payments made and missed since I opened this account. 
Date of Last Activity : Inaccurate Creditor type : Inaccurate Payment status : Inaccurate INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX It is truly disheartening to see that these items are either inaccurately reported or have already been resolved, yet they remain unresolved. I kindly ask that they be thoroughly investigated and corrected. Despite my efforts to reach out to the credit reporting agency and the data furnisher, the issue persists. I have attached supporting documentation and screenshots of my credit report to show the inaccuracies and to support my claim. I sincerely hope that this matter can be investigated as soon as possible, so my credit report can be updated to reflect the accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I am writing to formally notify you of my concerns regarding your debt collection practices in relation to my account with Santander Consumer USA, account number XXXX, for the auto loan associated with the balance of {$15000.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I believe your actions are in violation of 15 U.S.C. 1692c, which governs when and how debt collectors may communicate with consumers. Specifically, I have experienced the following : Inconvenient Contact Times : On [ Date ( s ) ], you contacted me after XXXX XXXX, which is in violation of the FDCPA. I request that you refrain from contacting me during these hours going forward. 
Failure to Cease Contact : On [ Date ], I sent a written request to cease all communications from your office. However, I have continued to receive calls and/or mail, despite my request. I demand that you immediately cease all further communications with me. 
Unlawful Third-Party Contact : If applicable, I would also like to bring to your attention that I have been contacted by a third party regarding this debt, in violation of the FDCPA. Under the FDCPA, a debt collector can not disclose information about my debt to any third party without my consent. 
I hereby request that you immediately cease all communication with me, as required by the FDCPA. If you continue to contact me in violation of the law, I will have no choice but to report your actions to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and may pursue legal action. 

Please confirm in writing that you have received this letter and that you have taken the necessary actions to cease all communication with me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 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: NC

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-12-03 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: NC

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified.

Several times I have contacted EXPERIAN regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.

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