vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: NV

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
For almost XXXX weeks I'm not able to access my XXXX account, because I did a transfer of some stock to another trading platform. They requested bank statement for XXXX, XXXX ID, XXXX verified my identity, which i sent. They said they would do a follow-up phone call, I spoke to a representative who told me she would forward the information and they wil resolve the issue within XXXX hours. I went on the portal and was told to submit XXXX bank statement, which i did. Again it said I would receive a meesage to request a phone call, however the request button does not work and every day i click on contact customer support, keep getting push and day ahead

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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 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 XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$45.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX. NATIONAL CREDIT ADJUST - XXXX - XX/XX/XXXX - {$580.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: AL

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 to be Blocked and Deleted : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$45.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$700.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX. NATIONAL CREDIT ADJUST - XXXX - XX/XX/XXXX - {$580.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$460.00} XXXX. XXXX - XXXX - XXXX XXXX, XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX 2022

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 2024-12-11 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: TX

Complaint narrative:
please remove these item that i request to remove from the past months and still reporting on my report, i already comply all the needed detail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: PA

Complaint narrative:
My personal information was compromised during the XXXX data breach and the XXXX inquirer data security breach. These accounts were listed on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. This a violation of the FCRA privacy rule in 15 U.S.C. 1681 and FCRA subsection 605b. It is illegal to report information on my credit report without my permission. Please remove 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 non-monetary relief
Consumer complaint received 2024-12-11 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:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US Federal Trade Commission that all 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 non-monetary relief
Consumer complaint received 2024-12-11 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:
XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 US Federal Trade Commission that all 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 2024-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have banked with USAA for more than 21 years. I reported fraudulent activity on my account that occurred XXXX months ago. They came back and stated it was not fraudulent, on XXXX XXXX. XXXX was taken back, on top of the {$XXXX} that I had in the account, leaving me in the negative. I asked them to provide me with whatever evidence they used to determine it was nonfraudulent, and they turned around and sent the exact same evidence I sent them in order to reopen the case. So within XXXX days of me reopening the case, they closed the case. So what took them XXXX months, only took XXXX days ; they clearly did not look at my new evidence at all. I asked them to reopen the case again. They asked me to send specific proof, I sent that specific proof, and theyre telling me it would take another XXXX months to simply review what they asked me to send in order to prove my case. In the midst of the investigation, they are threatening to close the account. XXXX and XXXX is lost to us this year, and USAA  does not care. I asked them for a temporary credit since the investigation is open, and they would not do so. Every day now I am receiving letters from USAA threatening to close the account which is in the negative. I am the victim in all of this, and I just feel as if Im being treated like the criminal. Its so unfair that they should let me go into the new year like this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXXXXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality undeXXXX 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TN

Complaint narrative:
My account has been frozen with no explanation as to why. I was told I can not withdraw my money. I would be getting an email in XXXX business days telling me why. This is money in a savings account and there is no reason for me to not be able to pull this money out today!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: MS

Complaint narrative:
XXXX XXXX XXXX I went to emergency room @ XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX I provided my insurance. Last month I ran my credit I was denied due to collection was over XXXX some dollars. So I call ABILITY RECOVERY SERVICES XXXX XXXX XXXX, XXXX, PA XXXX inquiring about the bill that I wasnt aware. Thats when I request that she send me information about bill and the service. I realize after looking at paperwork they fail to file my insurance which was provided. I call bcbs federal about date of service they told me they paid all claim that was submitted for XXXX XXXX. So I call ability recovery to inform them what my insurance stated. They informed me thats was the emergency bill and not physicians emergency bill I ask her why that wasnt filed to my insurance since emergency room file my insurance. Thats when she stated that was my responsibility, I was like how, when I wasnt aware of the bill. I provided the insurance XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXXXXXX XXXX fail to file it. So I call XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX about bill they stated they going to submit the claim to my insurance which they have. The problem I have even though they know they made mistakes they still report on my credit report even though they know that its wrong. I disputed three times and all three times they saying its accurate when its not. XX/XX/year> bill for XXXX and XX/XX/year> for XXXX. The collection agency is ABILITY RECOVERY SERVICES And original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Immediately after opening an account, I received an email stating that it was " suspended '', they claimed it was done because of some questionable activity. I never had a chance to use the account such as make transfers, pay or receive any money, so I weren't clear on what questionable activity i was committing. I've attempted to reach Venmo by phone, which was unsuccessful, just a run around through options, and by chatbot to speak to a live agent, and every single time my wait was almost 100 people ahead of me. I kept the app open to keep my place in line, no one has ever reached out to me through their chat service.

I've received an email from them demanding my current government-issued ID and a selfie holding that ID next to my face. It made me feel incredibly unsafe that this company would hold my account " hostage '' until I provide such sensitive information about my identity. I've researched this issue online and found numerous complaints regarding this same issue and that it doesn't get resolved even after customers provide the requested information such as the last 4 digits of their social security, selfie and the ID.

I was unable to close my account through the app, it directed me back to their chatbot. I've emailed the company requesting closure of my account, but they've refused to close my account until I provide the requested information! This is not a trustworthy company that inspires safety and confidence in their customers. This is not a legitimate way of providing service and conducting a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My house was hit by a tornado during Hurricane Milton. I received insurance funds in the amount of {$45000.00} and {$29000.00}. Because I have a mortgage with NewRez, the insurance company had them as an additional payee on the checks. NewRez via their Loss Draft Department instructed me to send them the checks endorsed along with several documents which I overnighted to them on XXXX XXXX XXXX  They received the package on XXXX XXXX XXXX and deposited my insurance checks into an escrow account on XXXX XXXX XXXX  Pursuant to NewRez 's packet, I was to receive my first disbursement of {$40000.00} within XXXX days of receipt of the packet and endorsed checks. To this day I have no received XXXX cent of my insurance funds from NewRez. XXXX of the major repairs that I need done is a roof replacement. My roofer is now moving me from a XXXX install date to a XXXX install date because I can't tell him when I will be able to give him the deposit for the job because NewRez has not released my funds. Initially, the excuse was the checks haven't cleared. I confirmed yesterday with my insurance company that the checks have long since cleared and today when I called today I spoke with a supervisor that told me they have a " glitch '' in their system which is preventing them from releasing the funds and this " glitch '' has been going on for over a week now. There is also no time frame as to when the " glitch '' will be fixed on their end. I am sure I am not the only person this is happening to with them. Not only is this taking a lot of time away from work for me to have to call and write letters to NewRez, this delay is causing me not to be able to complete the repairs on my home and at this point NewRez is illegally holding my insurance funds with no disbursement date in sight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sparrow Financial, Inc.
State: IL

Complaint narrative:
I looked at my credit report and noticed XXXX different accounts that were opened in my name that were opened without my consent.

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 2024-12-11 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: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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