vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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 am writing to formally dispute several accounts listed on my credit report that are both incorrect and fraudulent. These accounts do not belong to me, and I have no knowledge of any transactions associated with them. The presence of these false accounts is not only unfair but also troubling, as I have never engaged in any activity related to these entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
I am writing to formally dispute several accounts listed on my credit report that are both incorrect and fraudulent. These accounts do not belong to me, and I have no knowledge of any transactions associated with them. The presence of these false accounts is not only unfair but also troubling, as I have never engaged in any activity related to these entries.

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 2024-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
This is the second complaint I have against Truist Bank and I highly recommend to avoid this establishment at all costs. Not only was I lied to about my title being shipped but they couldnt provide an email, fax number, or even a corporate number to contact. They told me, after refinancing with a new banking service, that in late XXXX they shipped out my title to my current lender. I figured out that was a complete lie after calling them this late afternoon on XX/XX/XXXX. Now my current lender is threatening my loan by stating it is an unsecured loan and that if the title is not within their hands soon that my XXXX will increase to 18 %. To shed some light on the situation, the loan was paid off in XXXX and my title is still not in the hands of my new lender by late XXXX. Also, the only service Truist could provide is a case number and a leinholder release form that is being shipped within 15 days to me. So for the sake of every consumer out there just stay far away from this banking service.

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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS. PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU

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 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: IN

Complaint narrative:
Closed my credit card account without warning, sent my debt to a debt collector, had the collector fill a lawsuit without contacting me or bothering to verify the debt, debt collector filled a background check without my consent which violates the FCRA and fdcpa. Also accused me of fraud and filling a complaint as someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed for XXXX XXXX XXXX on XX/XX/XXXX with a XXXX attorney. All my creditors Stop reporting due the XXXX federal law. XXXX I did a personal loan with them to pay IRS taxes. I confirmed with them and the confirmed that they recieved the XXXX filing notice XX/XX/XXXX. I had made ALL my installement payment prior to the XXXX filing " Paid on time Paid as Agreed '' However they reported on Experian late payments ; XXXX XXXX 30 day late, XXXX XXXX 60 day late, XXXX XXXX 90 day late. The XXXX XXXX XXXXXXXX XXXX  XXXX account and referred it to a collection company. 
When I talked to XXXX  customer service person in XXXX XXXX they said they had the XXXX filling document from my XXXX attorney. I asked them why they are violating XXXX XXXX reporting laws and they said they have a company that deals with XXXX and that they did have my XXXX attorney on record. He referred by to XXXX ( XXXX XXXX, XXXX. I called them and left messages. 
I told XXXX customer service that 'XXXX '' are reporting incorrectly and to remove.

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 2024-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Ive sent all my funds to Robinhood trading app. 
Ive got into a scam called pump and dump, and Ive lost my money. I have still very little money left on my account but they froze my account after I filed a complaint about the scam. For 2 weeks already I can not reach them over the phone, also, I get some shady calls from other numbers who are definitely work there in Robinhood, but they are scammers. It says that they call only from one number, but Ive got a call from another number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : AN # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NJ

Complaint narrative:
Im reaching out to dispute several inaccuracies in my personal information on my credit report that need to be corrected. My legal name is XXXX XXXX, and any other name variations should be removed from my report. Also, there are other addresses listed on the report that do not belong to me and should be removed. The only address I have recently lived at is XXXX XXXX XXXX, XXXX, NJ XXXX. Lastly, please remove all phone numbers on my report. These mistakes could affect my credit, and I believe they violate the Fair Credit Reporting Act, which mandates that credit reports be accurate. I respectfully request that Experian update my report with only accurate and verified information. Please provide me with written confirmation once these corrections are made and send me an updated copy of 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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I sent them emails to fix my issue with being able to withdraw my money but they dont respond to any emails I sent my first email out on XX/XX/XXXX Thursday XXXX And then another follow up email XX/XX/XXXX, Tuesday XXXX XXXX  No responses at all. 

Ive been trying to withdraw my amount of around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im reaching out to dispute several inaccuracies in my personal information on my credit report that need to be corrected. My legal name is XXXX XXXX, and any other name variations should be removed from my report. Also, there is an inaccurate address listed on the report that does not belong to me and should be removed. The only address I have recently lived at is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. These mistakes could affect my credit, and I believe they violate the Fair Credit Reporting Act, which mandates that credit reports be accurate. I respectfully request that TransUnion update my report with only accurate and verified information. Please provide me with written confirmation once these corrections are made and send me an updated copy of 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXX, Texas XXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXX, Texas XXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] 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 2024-12-30 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:
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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I flew from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX delayed my baggage. As such, I needed to purchase some items for reimbursement due to the delayed baggage. I ordered some necessary cosmetic items from XXXX via XXXX XXXX to be delivered to my hotel. I made it clear in the in-app notes that I required a receipt so that I could submit it for reimbursement. However, the items were delivered to the hotel without a receipt. I spent over an hour on the chat feature attempting to get either ( XXXX ) a receipt for my items or ( XXXX ) a refund from XXXXXXXX XXXX  I was unable to get past the seemingly AI responses from the XXXX XXXX. A receipt from the merchant is legally required. I also was unable to get the costs reimbursed from the airlines, which I was entitled to, because XXXX refused to simply provide a merchant ( itemized ) receipt from the store. I filed a dispute on Capital One, which was initially refunded -- -- they, however, recharged it, which is unacceptable. I have altogether stopped using this card over this dispute, as I have been unable to get anywhere with Capital One to ameliorate this issue despite multiple attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Heres a revised and polished version of your complaint for submission : -- - Complaint : I am writing regarding a missed payment that was reported on my credit account due to circumstances beyond my control. My bank account was compromised, requiring me to change my account number. Unfortunately, this disrupted my direct payment setup for an installment account that I had been paying consistently for over 10 years. 

Due to this account change, I missed the very last payment on the account. I did not receive any communicationvia phone, email, or mailregarding the missed payment, which prevented me from resolving the issue in a timely manner. 

When I became aware of the situation, I contacted the creditor immediately. During this call, I resolved the issue by paying the remaining balance and closing the account. At that time, the representative agreed to remove the missed payment from my credit report as part of the resolution. However, the negative mark remains on my credit report, and the creditor has failed to uphold their part of the agreement. 

Request : I respectfully request that the Consumer Financial Protection Bureau assist in having the creditor remove the missed payment from my credit report, as : XXXX. This was an isolated incident caused by an unavoidable disruption. 


XXXX. The payment was made, and the account was closed in good faith. 


XXXX. The creditor agreed to remove the delinquency but has not followed through. 



Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXXXXXX XXXX XXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXXXXXX XXXX XXXXXXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] 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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX 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 explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
Ive noticed discrepancies on my credit report regarding 15 USC 1681c-2. The hard inquiries listed were not approved by me, and they are negatively impacting my credit score. Please remove any unauthorized hard inquiries immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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