vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: LA

Complaint narrative:
I am writing to inform you that I have become a victim of a data breach and I request that all the accounts listed below be blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are the result of the breach and I do not want them to negatively affect my credit file. 
Please find below the list of accounts and inquiries that should be blocked and deleted : Accounts : XXXX. XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$550.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$500.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$790.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$730.00} XXXX. TXXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX. UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$730.00} XXXX. UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$790.00} Inquiries : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and to formally request that the accounts and inquiries listed below be blocked and deleted from my credit report. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
On XX/XX/year> I transferred {$XXXX} into my XXXX account. On XX/XX/XXXX XXXX flagged my account and froze it. I had recently added a new checking account as I'm in the process of switching banks. I made XXXX withdrawal of {$XXXX} to my new XXXX Bank account and then my XXXX account was frozen. The instructions to resolve this suspension didn't work. There is no way to request a call as I was instructed. The button on the app and the website doesn't do anything. The phone numbers are all automated and hang up after instructing me to use the app. I received an email today, XX/XX/year> with a phone number and case code. I called and the automated system told me that case is closed and hung up. My account is still frozen. I do not want to use this terrible company anymore. There is XXXX customer support and I want to transfer all of my money to XXXX. I'm so frustrated that they've held my money for the last XXXX weeks without any human interaction, it's all been generated responses and chat bots.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : Account Name : XXXX XXXXXXXX Account Number : XXXX Balance : {$XXXX} Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$XXXX} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$XXXX} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Balance : {$XXXX} Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 
Last Verified : Inaccurate Date of Last Activity : Inaccurate Date Report : Inaccurate Account Name : XXXX XXXXXXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$XXXX} Reason : I was never late on this account. I have made all my payments on time. 
Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Account Name : XXXX XXXX Account Number : XXXX Balance : {$XXXX} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: HI

Complaint narrative:
My loan servicer is MOHELA and I have been in SAVE-related forbearance since XX/XX/XXXX. Per the instructions on the Federal Student Aid ( XXXX ) website, I submitted an application to FSA to change my repayment plan from " SAVE '' to " Income-Based Repayment ( XXXX  ), '' under the " Income-Driven Repayment ( XXXX ) '' umbrella which would count toward my Public Service Loan Forgiveness XXXX XXXX I submitted this application on XX/XX/XXXX on XXXX 's website. I confirmed with MOHELA this morning over the phone that they have my XXXX application, but have no timeline for when the application would be processed. I requested that they switch me from " SAVE Forbearance '' to " Processing Forbearance, '' as the processing time would count toward my PSLF/TEPSLF counts. They said they are unable to do so. However, the XXXX website explicitly states that they should be able to do this here : XXXX XXXX XXXXXXXX as follows : " If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to XXXX  days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for XXXX  and XXXX forgiveness. If the borrowers application is not processed by their servicer within 60 days, the borrower will be moved into a general forbearance that does not count toward XXXX or XXXX until their application is processed. Interest will not accrue in this general forbearance. '' I am requesting that CFPB rule that MOHELA must modify the type of forbearance my loan is under from XXXX Forbearance to Processing Forbearance retroactive to XX/XX/XXXX per XXXX 's website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists accounts listed below : XXXX XXXX XXXX NA Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX  I Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX  Inquires XXXX XXXX XXXX be removed : XXXX : XX/XX/XXXX XXXX Card : XX/XX/XXXX XXXX Card : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've listed a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists accounts listed below : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Inquires XXXX XXXX XXXX be removed : XXXX : XX/XX/XXXX XXXX Card : XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've listed a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

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 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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed l had fraudulent accounts on my report.Please remover these accounts from my report, they are hurting my ability to obtain credit.

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 2024-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As usual this company just likes to waste my time. Likes to send me emails that lead to nowhere. It likes to say one thing and then do another. As usual one hand has no idea what the other hand is doing. And as usual this causes a huge waste of my time and energy.

Today I received another email from them notifying me that a result was ready for my review as you could see in my attachments.

I follow their tabs to my account only to see that what they sent me in an email was a lie. Nothing was ready contrary to what their email/they told me. 

How are these people continuously allowed to run So incredibly recklessly, unaccountably and inaccurately!

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 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Had a transaction from an unknown vender " XXXX '' that took a total of XXXX $ from my account. I never authorized this transaction. 

Reported the fraud to a bank of America service representative who promised that I would be refunded the money in three business days. One day later my claim is denied.

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