vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: GA

Complaint narrative:
UNITED REVENUE has reported a balance debt of {$930.00} on my credit report ( XXXX ). I have never done business with this company nor have I done any business with what they listed as the original creditor ( XXXX XXXX XXXX  ). I do not owe this company. I sent United Revenue XXXX certified letters and have not received a response whatsoever. 

The first I letter I sent was received XX/XX/2024 and the second XX/XX/2024. In these letter I requested validation of this alleged debt/ contract, per the Fair Debt Collections Practices Act or to remove it immediately. Again no response whatsoever. 

Congress made this very clear and I Quote : the CFPB told debt collectors and consumer credit reporting companies that they cant collect, furnish, or report any invalid medical debt. End Quote. 

They are furnishing invalid medical debt, that should not be on my consumer report. Congress passed the No Surprises Act to help protect Americans from certain unexpected medical bills and you are in violation of this law! 

Below is an article published by the CFPB : https : XXXX longer-be-on-your-credit-report/ The No surprise Act is very clear, Invalid medical debt should be on any consumer reports! 
A consumer is not responsible for balance bills or out of network costs I am planning to make a large finance purchase and this negative item may affect the process. I need the following inaccurate account deleted from XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity.

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I filed a complaint with Santander bank on XX/XX/year> the ATM at the XXXX XXXX location took {$280.00} i deposited and it read technical error on screen and it didn't return or deposited my monies in my account. I filed a form and they said after investigating this claim it was denied. I felt like I was robbed and part of a scam this bank has taking customers money. They can check their video and clearly see that I deposited money. Apparently this has happened numerous times at this ATM location just read the customer reviews about this bank. This has to stop as this ATM at this bank is taking customers money and not getting any help. This is fraud and has to stop before there are other victims.

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 2024-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had a fraudulent and unauthorized open sky bank account reporting to my account that Transunion has not removed even after i sent dispute letters and called Transunion. I also sent my identity theft report I made with the FTC and Transunion did not block the fraudulent account from my credit report as required by law. Transunion keeps sending me 4-5 letters in one day stating the account is verified but when I ask for proof of how it was verified and what information was verified I received no documentation as I know this is my right under section 611 ( a ) ( 6 ) and 611 ( a ) ( 7 ).

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 2024-12-12 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: NY

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2024-12-12 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/year> Balance : {$0.00}

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

Complaint narrative:
So I have almost close to XXXX in my Robinhood account. I have been customer for last 4 years. However, last week XX/XX/XXXX I tried to transfer some crypto to my XXXX account after that, Robinhood asked me for certain documents I provided them with that. And now they have left my account restricted, no access to fund, to transaction to perform and on top of that they have minimal customer service. I cant get hold of anyone. They ask me to request call, I did but no one seems to care and call me trying to resolve the issue. There chat support read same line over and over again. 
I am frustrated because they cant keep me in loop and work with me regarding the issue.

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

Complaint narrative:
I received a letter stating that my loans were paid off in full and there are still reporting balances on my credit report. So if my student loans were paid in full why havent the reported balances been removed.

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 2024-12-12 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:
I received a letter stating that my loans were paid off in full and there are still reporting balances on my credit report. So if my student loans were paid in full why havent the reported balances been removed.

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

Complaint narrative:
I received a letter stating that my loans were paid off in full and there are still reporting balances on my credit report. So if my student loans were paid in full why havent the reported balances been removed.

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 2024-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Dear TD Bank Representative, I hope this message finds you well. My name is XXXX XXXX ssn XXXX and I previously held an account with your institution. Unfortunately, my account was recently closed. I would like to clarify that there were no malicious activities associated with my account during the time it was active. 

To my understanding, there may be a small outstanding balance of approximately {$20.00}. I am writing to kindly request instructions on how I can settle this balance promptly and explore the possibility of reopening my account. 

TD Bank has always provided exceptional service, and I greatly value the relationship I have built with your institution. I am eager to continue my banking relationship with TD Bank and would appreciate any guidance you can offer to facilitate this process. 

Thank you for your time and assistance. Please feel free to reach me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: VA

Complaint narrative:
The collection had been open from XX/XX/year> to XX/XX/year> and didn't know about until it was reported to my credit report. I called the initial creditor and they stated that I did not owe them anything. I was provided a ledger showing that I paid them. The collection agency is IQ Data International.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
An unknown person created and opened a Capital One  XXXX Credit Card without my consent or knowledge under my name and address, and was mailed to my address on XX/XX/XXXX. 

An unknown person created and opened a XXXX XXXX XXXX Account without my consent or knowledge under my name and address on XX/XX/year>. 

Last year when I went to file my taxes, they had already been filed. Someone filed my taxes without my consent or knowledge.

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

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 



Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX XXXX  User Social XXXX Account Name : TXXXX XXXX User Social XXXX Account Name : XXXX  User Social XXXX Account Name : XXXX XXXX  User Social XXXX Account Name : XXXX XXXX  User Social XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX User Social XXXX Account Name : XXXX XXXX XXXX XXXX User social XXXX Account Name : XXXX User Social XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

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 2024-12-12 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 



Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX XXXX User Social XXXX Account Name : XXXX  XXXX  User Social XXXX Account Name : XXXX  User Social XXXX Account Name : XXXX XXXX  User Social XXXX Account Name : XXXX XXXX  User Social XXXX Account Name : XXXX User Social XXXX Account Name : XXXX XXXX User Social XXXX Account Name : XXXX XXXX XXXX XXXX User social XXXX Account Name : XXXX User Social XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: IL

Complaint narrative:
Me and and another person are leasing a car from CarMax. He called on XX/XX/year> for an extension and the woman on the phone gave us XXXX and said the payment was due on the XXXX and he paid on the XXXX. We got an extension but it was still reported as a late payment to the credit bureau. So I called on XX/XX/year> to inquire about the reporting even though we got an extension. I called XXXX  and both representatives said it wasn't in the system. I told them that he had a phone conversation with someone giving the extension and I would like the recording for that to be played and got hung up on both times by both representatives. Even though it wasn't put in the system all CarMax conversation are recorded. He called for an extension from his phone number not mines. I have recording where i have both conversation of me being hung up on when requesting the phone calls and additional information.

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

Complaint narrative:
Inaccurate balances on the following accounts : 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 non-monetary relief
Consumer complaint received 2024-12-12 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: MI

Complaint narrative:
Inaccurate balances on the following accounts : 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 2024-12-12 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, that 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 that I DID NOT apply for listed on my credit report.

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

Complaint narrative:
I am writing to have the following information removed from my credit file, that 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 that I DID NOT apply for listed on 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 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is not providing me with any proof of any information that pertains to account ownership, balance accuracy, validity of debt, payment history that is complete and accurate or any i formation to.validate the accts. Misuse of information and inaccurate reporting of personal information. Failure to respond to email sent in regards to all this quite some time ago. Incorrect grouping of auto loan inquiries that should be seen as XXXX inquiry in XXXX period instead allowing unauthorized hard pulls from company 's that disnt have permission or misrepresented their credit pull policy.

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