vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-24 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: Experian Information Solutions Inc.
State: KY

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 my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXXXXXX XXXX XXXXXX/XX/year>. The following inquiry was not authorized and should not be reported XXXX XXXX .The following inquiry was not authorized and should not be reported XXXX XXXX XXXXXX/XX/year>. The following inquiry was not authorized and should not be reported.XXXX XXXX XXXX XXXX XXXXXX/XX/year>. The following inquiry was not authorized and should not be reported XXXX XXXX XXXX. The following inquiry was not authorized and should not be reported XXXX XXXX XXXX XXXX. The following inquiry was not authorized and should not be reported XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>. 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 seven years. 15 U.S.C 1681s-2 ( A ) ( a ) 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 explanation
Consumer complaint received 2024-12-24 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:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2024-12-24 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  account number XXXX, is an account showing on my credit files that I did not open nor give anyone permission to open on my behalf.

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 2024-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/XXXX I went into 1st Horizon branch and made a payment for XXXX to cover XXXXXXXX XXXX  payment and XXXX payment which was clearly before the 30days mark hit. Then 1st Horizon bank posted the payment 3 days after the actual walk in payment and it did give me a 30day late on all 3 credit reporting agency!! 
I disputed it with the credit reporting agencies and first horizon bank keeps providing them with inaccurate payment dates and also reporting XXXX wasn't paid when 1st horizon bank clearing see the error they made and hasn't fixed it and reporting inaccurate information nor removed this error off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I deposited via debit card on Robinhood about {$1000.00} on 4 different occasions around a week ago, for the first 3 deposits of {$1000.00} everything was fine and no problems. On the 4th deposit even though I was charged they decided to restrict my account with no explanation while I have sent multiple emails and multiple bank statements/ documents verifying my identity. I have sent them my government ID and even to pictures that would verify my identity. After doing so, they still have my account restricted and will not contact me via phone or email to explain why my funds are restricted and will not allow me to withdraw my funds. It has been over a week with no help and this is complete negligence and fraud on their end. At this point they have pretty much stolen my money and are not allowing me to send it back to my debit card. Please contact them and let them know that they can be sued for this. It keeps saying you have sent your documents and we will review them the next day but its been saying that for a week now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-24 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: LEXISNEXIS
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear XXXX XXXX XXXXXXXX XXXX I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : XXXX Balance : {$16000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$15000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$21000.00} Balance Updated : XX/XX/XXXX Credit Limit : {$20000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I deposited {$360.00} cash into an ATM. While the machine was processing, it shut down and restarted .The machine rebooted and never gave me my money back or added the value to the account. Citizens Bank is refusing to give me my money back that the machine stole from me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KY

Complaint narrative:
SUBMITTED AT MINIMUM ( 6 ) DISPUTE REQUESTS INCLUDING BUT NOT LIMITED TOO POLICE REPORT AND OTHER INFORMATION REQUESTED FOR FRAUDULENT TRANSFER OF {$1400.00} TO ANOTHER CHIME ACCOUNT. COMPANY CONTINUES TO DENY DISPUTE. POLICE REPORT SUBMITTED XXXX XXXX XXXX XXXXXXXX, KY XXXX POLICE REPORT # XXXX XXXX. ALSO SUBMITTED EMAILS FROM CHIEF, ETC OF POLICE STATION. ( POLICE HAVE SURVEILLANCE OF INCIDENT. COMPANY STILL REFUSES TO REFUND THE DISPUTE. THERE IS ALSO A WARRANT OUT FOR INDIVIDUALS ARREST. INSTITUTION STILL REFUSES TO REFUND DISPUTE - POLICE INFORMED ME THIS IS A FELONY. HAVE HAD TO RE-OPEN DISPUTE MULTIPLE TIMES - NO AVAIL. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-24 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: AZ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX To Whom It May Concern, I am writing in response to your phone call that Ive received . I request that you provide validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor. 2. The date the debt was allegedly incurred. 3. The amount of the debt, including a detailed breakdown of al
l fees, interest, and other charges. 4. A copy of any signed agreement or contract that obligates me to pay the debt. 5. Proof that your agency is licensed to collect debts in my state. I also request that you cease all communication with me about this matter, except to provide the requested information or to inform me of specific actions you plan to take, as permitted by law. Please note that this letter is not an acknowledgment of liability for this debt. I will review the requested documents to determine if I am legally obligated to pay. Thank you for your cooperation. I look forward to your timely response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have requested validation of this debt and have not received. Furthermore, how can this me a debt & income. The agency states charged off but has failed to send me a 1099 or validation of any sort that this account is mine. Charging me for a debt which I stated was fraud is a violation without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
Over a year ago I settled a debt with XXXX XXXX XXXX. Someone walked into a store and got a phone and monthly service with my maiden name and address. I filed a police report and took care of it as soon as I started getting the bill. XXXX XXXX XXXX wont talk to me about it as they sent it to another collection agency in XXXX of XXXX. I did not create the account but they said I need the passcode to speak about it. 
Last year it was taken care after I filed the report. In the fraud report the XXXX spoke with XXXX XXXX XXXX from XXXX XXXX XXXX who advised the XXXX the correction to the account would be taken care of within the month. This was in XXXX of XXXX. The fraud report # is XXXX All of a sudden in XXXX of XXXX I received notice that a debt collector was not on my credit report. I called them ( Sunrise Credit ) and they stated that XXXX XXXX XXXX sent them my information. I have perfect credit and they are ruining it! Please help me. How can they come back over a year later and just try again when it was proven not to be me and claimed to be dropped by XXXX XXXX XXXX  Fraud was in the name of XXXX XXXX and I have been XXXX XXXX for over 20 years. Please get them off my credit. This is crazy that they can do this.

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 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-24 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Mr. Cooper, XXXXXXXX XXXX  and XXXXXXXX should stop lying about the illegal fraudulent actions they conducted on my property on behalf of XXXX XXXX XXXX XXXX XXXX fake XXXX XXXX and reveal those documents and details under the FCRA you must do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2024-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: UT

Complaint narrative:
In XX/XX/year>, my first Cash App account, which I had been using for a long time without issues, was suddenly deactivated by Cash App. I was not provided with any explanation or details about why my account was closed. 

After this, I opened a new Cash App account to continue using the platform, as I was still unaware of the reason for the first accounts closure. However, this second account was deactivated almost immediately after opening. 

Since then, I have been emailing Cash App Support for over a month, repeatedly requesting clarification about why both accounts were closed. Unfortunately, all I have received are generic responses from different agents directing me to contact supportdespite the fact that I am already in contact with them. I have not received any meaningful assistance or resolution, leaving me with no clear understanding of what led to the closures or how to address this issue. 

This has caused significant inconvenience as I relied on Cash App for my financial transactions. I am seeking a detailed explanation of the reasons behind the deactivation of both accounts and, if possible, reconsideration of these decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-24 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-12-24 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: AL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-24 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: LEXISNEXIS
State: NC

Complaint narrative:
XXXX XXXX Subject : Cease and Desist Collection Efforts for Accounts # XXXX Dear XXXX XXXX, I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : XXXX Balance : {$5900.00} Balance Updated : XX/XX/XXXX Credit Limit : {$5000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Account Number : XXXX Balance : {$1300.00} Balance Updated : XX/XX/XXXX Credit Limit : {$1000.00} Account Status : Closed Date Opened : XX/XX/XXXX Account Type : Credit Card Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation