vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
I started getting emails from XXXX claiming that I owed them {$4.00} and change for fees on a credit card I've never heard of. 
I immediately contacted them back and told them I know nothing of a credit card and that I do not have a credit card and that I never applied for a credit card. 
They then asked for proof of ID which I sent them every single thing they asked. I was still asking them for to show me some proof that I applied for a credit card... when it was issued ... .what is the credit limit ..what is the card number.. when is the expiration.. When was it activated? ..I know nothing about this card. 
The only response I get are more emails demanding more proof of ID. I've sent them everything they've asked at least five to seven times!!

They refuse to answer any of my questions all they respond with is they keep demanding more proof of ID. 
There's no more proof of ID to be sent it's all been sent many times!! 
They initially said to give them one week 7 days to research it well it's been a month!!

I've had no answers to anything. 
But what they have done is locked my brokerage account I have XXXX in stocks and they've locked it I have no access to it because they're claiming I owe them {$4.00} for a fee on a credit card I do not have. They've had my account locked for weeks I have no access to it and they refuse to give me any answers!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: SC

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-10-04 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: TX

Complaint narrative:
All XXXX credit bureaus are still leaving items remaining on my credit report that are not mine. I am a victim of identity theft and have my police report of when my home was vandalized. I have been fighting these matters since 2015. My attorney is assisting me by disputing these items and Experian is not removing them when my information has been compromised.

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 2024-10-04 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:
have included the inquires from all credit bureaus to remove from there credit report. I also attached other information regarding Incorrect items being reported during the time my identity has been stolen. I need assista with severe problem that is affecting my life and progress with my life plans. Please support me and interest in repairing my life. 
Thank you sincerely 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 2024-10-04 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: NV

Complaint narrative:
RE : 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 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  Inquiry : XXXX XXXX, 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2024 + XXXX ( XXXX ) XXXX I have recently obtained a copy of my credit bureau-XXXX XXXX, Equifax ) credit report. It showed a credit inquiry by the companies listed below that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry 's removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 

I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: NV

Complaint narrative:
RE : XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX 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  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 XXXXXXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX I have recently obtained a copy of my credit bureau-Experian, XXXX, XXXX ) credit report. It showed a credit inquiry by the companies listed below that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry 's removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 

I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,

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 2024-10-04 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. XXXXn, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing this because my credit card was used without my permission and XXXX XXXX didnt fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Follow-Up Dispute and Request for Full Debt Validation Dear First Federal Credit Control, I am writing as a follow-up to my original dispute regarding the medical collection account tied to XXXX XXXXXXXX for XXXX. While I appreciate your prompt response and the itemization of charges you obtained from the creditor, your response does not fully address the concerns raised in my initial letter dated XX/XX/year>. 
To reiterate, I requested complete validation of this debt in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Your response failed to provide the following documents I requested : XXXX. A copy of the original signed agreement or contract from the original creditor, XXXX XXXX XXXX XXXXXXXX, verifying that I owe this debt. 
XXXX. A detailed explanation of how this account was verified, including the supporting documentation from the original creditor. 
XXXX. Confirmation of compliance with XXXX, ensuring that the medical billing information shared with you and reported to the credit bureaus was done so in accordance with privacy laws. 
Please understand that an itemization of charges does not satisfy my request for full validation of this debt. As per federal law, you are required to provide the original signed contract and documentation that substantiates the legitimacy of this debt. Until this documentation is furnished, I am requesting that all collection activities, including any reporting to credit bureaus, be halted. 
I expect the requested documents to be provided within the next 15 days. If this matter is not properly addressed, I will escalate this dispute with the Consumer Financial Protection Bureau ( CFPB ) and other relevant legal channels. Furthermore, if the account can not be fully validated, I will demand its immediate removal from all credit reporting agencies. 
Thank you for your prompt attention to this matter. I look forward to receiving the full validation documentation soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : XXXX CC : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2024-10-04 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: TX

Complaint narrative:
I AM A SURVIVOR OF XXXX XXXX. I AM ENTITLED TO HAVE ADVERSE INFORMATION RELATED TO MY XXXX SITUATION REMOVED FROM MY CREDIT REPORT. I AM DEMANDING THE REMOVAL OF ALL ADVERSE CREDIT REPORT ITEMS AS PROVIDED UNDER SECTION XXXX OF THE FCRA. I HAVE ALREADY SUBMITTED A FORMAL REQUEST TO EXPERIAN, ALONG WITH THE REQUIRED GOVERNMENTAL DETERMINATION DOCUMENTATION FROM SHARED HOPE INTERNATIONAL TO VERIFY MY STATUS AS A XXXX XXXX DESPITE MY REQUEST EXPERIAN HAS NOT RESPONDED APPROPRIATELY AND HAS FAILED TO REMOVE THE ADVERSE NEGATIVE INFORMATION TIED TO MY XXXX EXPERIENCE CAUSING A HINDERING IN THE QUALITY OF MY LIFE, AS WELL AS, THE LIFE OF MY FAMILY. 
THE SPECIFIC ACCOUNTS INVOLVED ARE AS FOLLOWS : XXXX XXXX XXXX XXXX  opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of human trafficking. XXXX  XXXX opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX opened under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX XXXX XXXX  XXXX under account number XXXX on XX/XX/XXXX. 
Reason for Removal : This account was opened as a result of XXXX XXXX 
XXXX XXXX XXXX opened XXXX the following account numbers and dates : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Reason for Removal : These accounts were negatively impacted by the XXXX XXXX XXXX 
In compliance with Section XXXX of the FCRA, I ask that Experian promptly block and remove this adverse information from my credit report within XXXX business days of receiving this request. 
I REQUEST THE CFPB 's ASSISTANCE IN ENSURING THAT EXPERIAN COMPLIES WITH SECTION XXXX OF THE FCRA BY REMOVING ALL THE LISTED ADVERSE ITEMS 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 explanation
Consumer complaint received 2024-10-04 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: TX

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX Date : XX/XX/year> Equifax XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Medical Collection Account Request for Immediate Removal Dear Equifax XXXX Department XXXX I am writing to formally dispute the medical collection account listed on my credit report under the name of XXXX XXXXXXXX XXXX XXXX XXXX which pertains to charges from XXXX XXXX for XXXX XXXX 
This account is being inaccurately reported by XXXX XXXX XXXX XXXX. 
On XX/XX/year>, I submitted a formal complaint against XXXX XXXX XXXX XXXX through the Consumer Financial Protection Bureau ( CFPB ) under complaint number # XXXX, requesting full validation of the debt as required by the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX responded on XX/XX/year>, stating that they obtained an itemization of charges from the creditor and that the account remains marked as disputed. However, they failed to provide the legally required documentation, such as the original signed agreement or contract verifying this debt, nor did they address XXXX compliance issues. 
Given that XXXX XXXX XXXX XXXX has not provided sufficient documentation to validate the accuracy of this account, I request that Equifax immediately remove this account from my credit report pursuant to FCRA XXXX XXXX. XXXX, which mandates the deletion of inaccurate or unverifiable accounts. 
Please find enclosed the following : XXXX. A copy of my formal CFPB dispute against XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX. XXXX. XXXX 
Their response dated XX/XX/year>, acknowledging the account is in dispute but failing to provide proper validation. 
A copy of my identification and proof of address for verification. 
I expect this account to be removed from my credit report within the XXXX investigation period as required by law. Additionally, I request that an updated copy of my credit report be provided to me once this account has been removed. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-04 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: 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief