vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 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:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately 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 2024-10-25 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: DE

Complaint narrative:
I can't believe what I saw on my credit report this morningthere are inaccurate accounts listed, and Im completely lost as to why. I always check my report, but today, discrepancies showed up unexpectedly. I tried refreshing my browser, hoping it was just a glitch, but nothose incorrect accounts remain. I'm really counting on a careful review of the documents I submitted so I can put this stress behind me for good.

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 2024-10-25 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I requested a free annual credit report of my credit file from XXXX Consumer Solutions ( " XXXX '' ), After receiving my free annual credit report dated XX/XX/year>, I noticed inaccuracy on my credit file. This inaccuracy was then reported to XXXX by me on XX/XX/year> and an investigation was requested. On XX/XX/year>, I received XXXXXXXX XXXX results dated XX/XX/year>, from their investigation into the inaccuracy on my credit file. After reading XXXXXXXX XXXX investigation results, XXXX stated that the inaccuracy was VERIFIED AS ACCURATE. On XX/XX/year>, I requested a reinvestigation into the matter, I requested description of the procedure used to determine the accuracy and completeness of their investigation associated with my earlier dispute under FCRA 611 ( a ) ( 7 ) and required XXXX to forward all relevant information in the investigation of my dispute under FCRA 611 ( a ) ( 2 ) ( B ). On XX/XX/scrub>XXXX XXXX XXXX  I notified Select Portfolio Servicing, Inc. ( " SPS '' ) who is the company that reported the inaccuracy, of this matter as well. Both XXXX and SPS was made aware that I will be filing a complaint with the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened the account with a new account opening bonus of {$320.00} with a minimum deposit of {$3000.00}. I completed all of the requirements but have not yet received the {$320.00} bonus.

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 2024-10-25 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: NV

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provid
e me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 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: CA

Complaint narrative:
I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$7500.00}

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 2024-10-25 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-25 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: DE

Complaint narrative:
I would like to dispute these inaccurate accounts on my credit report Equifax : XXXX Account Number : XXXX XXXX  : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
I have owned my home since XXXX and have never been required to carry flood insurance. On XX/XX/XXXX, I received by mail a letter from RoundPoint Mortgage Servicing advising that my property was now in a Special Flood Hazard Area due to a flood map revision issued by XXXX. The RoundPoint letter dated XX/XX/XXXX said that if proper evidence of acceptable flood insurance was not received within 45 days of the date of the notice, then they would purchase coverage at my expense effective XX/XX/XXXX. 

After receiving the notice, I contacted flood agent, XXXX XXXX who advised that they could not back date a new policy to reflect an effective date of XX/XX/XXXX. XXXX XXXX also advised that in Florida, there is a 15 to 30-day waiting period before a new flood insurance policy could go into effect. On XX/XX/XXXX, I purchased the new flood policy for {$490.00} ( annual premium ) and because of the mandatory wait period it did not go into effect until XX/XX/XXXX. 

After submitting proof of the new flood policy, I received from RoundPoint Mortgage Servicing a letter that contained 'Evidence of Lender-Placed Flood Insurance ' with coverage dates of XX/XX/XXXX to XX/XX/XXXX, that listed an annual premium of {$3600.00}. 

In doing my own calculations for the lender placed flood insurance, the 43 days ( XX/XX/XXXX to XX/XX/XXXX ) of flood insurance will cost me {$430.00}. The same 43 days with my current flood insurance is {$58.00}. 

I contacted RoundPoint Mortgage Servicing several times to dispute the lender placed flood insurance and cost. I explained to them numerous times that I could not purchase a new flood policy with a post date of XX/XX/XXXX and there was a mandatory wait period before the policy could go into effect. In response, I was told I owed for the lender placed insurance and the cost would be divided into monthly payments that would be added to my mortgage payment.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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 2024-10-25 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Recently I found out the 1099 forms I was filing from robinhood llc on my taxes had my correct name but the wrong social and I asked the company to revise my 1099 form so that I could ammend my tax returns and put the corrected 1099. Instead they elected to close my account and havent returned my funds. I provided all documents to them I including driver license, selfie, social security card and my bank statement. Theyre closing my account and withholding my funds without giving me any reasoning. I have deposited over XXXX into the robin hood brokerage and theyre holding my money hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$620.00} XXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$230.00} XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 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 2024-10-25 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: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$620.00} XXXX XXXX Balance : {$6900.00} XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$230.00} XXXX XXXX XXXX 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 2024-10-25 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-25 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: NJ

Complaint narrative:
I was stunned to find inaccurate accounts suddenly appearing on my credit report this morning, and I have no idea why! I regularly check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but no luckthe inaccuracies remained. Because of this situation, I urgently request that the documents Ive submitted be reviewed carefully, so I can stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
XX/XX/XXXX - My card is fraudulently used on a {$3.00} charge to XXXX XXXX Channels. I didn't notice because I had never once used this card and never set up autopay. 

XX/XX/XXXX - I prequalify to buy a home ( Attachment XXXX ). 

XX/XX/XXXX - I receive an email from my XXXX credit card monitoring service ( Attachment XXXX ) notifying me that a 120-day overdue balance has been added to my credit report. I check my report and see the {$3.00} overdue balance and immediately log into Discover and pay the balance plus interest ( a grand total of {$6.00} ) the same day ( Attachment XXXX. 

XX/XX/XXXX - I get a home under contract ( Attachment 3 ), but two days later on XX/XX/XXXX my VA lender informs me my credit score has nose-dived to XXXX due to the late payment hitting my credit report ( Attachment XXXX ). My XXXX score was in the XXXX range on XX/XX/XXXX ( Attachment XXXX ). 

XX/XX/XXXX - I call XXXX and report the {$3.00} transaction as fraudulent ( CASE # XXXX ). They pass me back and forth to a few departments and tell me I'll receive a letter with the results ( Attachment XXXX ). The same day I received a letter from XXXX saying the case had been resolved in my favor, and they credited the {$3.00} back to my account ( Attachment XXXX ). 

XX/XX/XXXX - I create a XXXX account and dispute my late payment history since the Fair Credit Report Act forbids reporting derogatory information resulting from fraud. I received the results on XX/XX/XXXX, but the late payment history was still there, so I disputed again on XX/XX/XXXX and received the same non-result on XX/XX/XXXX ( Attachment XXXX ). Same thing with XXXX and XXXX but only one dispute each. 

XX/XX/XXXX - My VA mortgage application is declined ( Attachment 9 ). 

XX/XX/XXXX - After multiple extensions, the seller terminated my contract, and I lost {$5200.00} in earnest money, inspection, appraisal and other fees ( Attachment XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-25 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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