vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-25 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: GA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2024-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My robinhood account got hacked without me receiving any informations. 
After investigations from them we know it was done in XXXX XXXX, XX/XX/XXXX. They issued to the theft a debit card without my conscent or ID recognition. Then the whole amount was taken out off my account XXXX  very day, which was about XXXX XXXX 
I want my money back but they finally started declining after over 1 month of investigations and hours of phone call with me. ( i got XXXX XXXX back then received a decline for next XXXX XXXX because of missing evidence ). 
Can you help me? 

Key Points : The debit card was issued without your consent or proper ID verification. 
You did not receive any security notifications about the transactions or the creation of the debit card. 
Unauthorized access occurred outside your region ( XXXX XXXX ) on a specific date. 
They partially refunded {$25.00}, acknowledging some irregularities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-09-25 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: NV

Complaint narrative:
Company Name Equifax I disputed an account with XXXX XXXX XXXX {$15000.00} ( Account # XXXX ) due to identity theft. This account has been successfully deleted from my credit report with XXXX, yet it remains on my reports with Equifax. 
Despite my attempts to resolve this issue directly with the credit bureau, the erroneous account has not been removed. 

Request for Action : I request that the CFPB investigate this matter and assist me in ensuring that my credit report accurately reflects my credit history. I believe this ongoing reporting of incorrect information is a violation of the Fair Credit Reporting Act ( FCRA ). 
Supporting Documentation : I am including copies of relevant documents, including : XXXX 's confirmation of the deletion. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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:
First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove these account ( 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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year> I submitted a payment through my Bank of America account for {$500.00} to XXXX XXXX. The amount declined on XXXX 's website and I got a text message from Bank of America to verify that I recognized the transaction. I chose yes to the text message. I immediately checked my Bank of America account and the {$500.00} amount was holding on my account and showing as processing. At that time my balance was showing as {$120.00} including the {$500.00} hold. On XX/XX/year> I checked my account as I knew the hold should have been lifted. I found that my balance was still at {$120.00} but the {$500.00} hold was no longer showing. I noticed my whole account history had been changed from when I looked on XX/XX/year>. When I called customer service I was told that my balance was {$120.00} when they tried to process the {$500.00} and that is what caused the amount to decline. If the transaction declined due to low funds I would not have gotten a text about suspected fraud. 
To show how the account history was distorted there was a XXXX sent on XX/XX/year> and it posted the same day as it always does however for the XX/XX/year> XXXX that was sent Bank of America is not showing the XXXX until XX/XX/year> on my account. Also, the representative that I spoke with ( XXXX ID : XXXX in Arizona ) stated that my account balance was {$120.00} on XX/XX/year> however there is a transaction XX/XX/year> shows my balance at {$79.00} and then they show the XXXX posting on XX/XX/year>. There are just so many inconsistencies with this situation. My XXXX also shows the {$1500.00} deposit posted on XX/XX/year> which is what was reflected on XX/XX/year> when I made the {$500.00} payment.

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 2024-09-25 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: FL

Complaint narrative:
XXXX XXXX has used my information without my written consent. Different addresses and names variations have been reported. XXXX XXXX has inaccurate information and they continue to report the inaccurate information on my Credit report. They are violating 15 U.S. Code 1681.

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 2024-09-25 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: IL

Complaint narrative:
I am writing to file a complaint regarding unauthorized hard inquiries on my credit report as a result of identity theft. Despite my attempts to resolve this issue directly with Equifax, the following inquiries remain on my report : 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  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX, XXXX - XX/XX/XXXX These inquiries were not authorized by me, and I believe they are a result of identity theft. I have submitted disputes to Equifax, but despite providing supporting documentation, including an identity theft report, these inquiries remain on my credit report. 

Actions Taken : On multiple occasions, I have submitted disputes to Equifax, including providing them with documentation to support my claims of identity theft. 
I also followed up with Equifaxs dispute resolution team, requesting removal of the unauthorized inquiries as mandated under the Fair Credit Reporting Act ( FCRA ). 
However, Equifax has either failed to remove the inquiries or deemed them verified as reported, despite my protests and the clear lack of authorization. 

These unauthorized inquiries negatively affect my credit standing and create an inaccurate representation of my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), Equifax is required to correct or remove information that is inaccurate or unverifiable. The reporting agencies are also responsible for conducting thorough investigations when a dispute is filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 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: MD

Complaint narrative:
I am writing to report that I am a victim of identity fraud. As a result, there are unauthorized inquiries on my credit report that I need to have removed. Additionally, there are incorrect addresses associated with my file. 

I seeking for help I also send letters to three credit bureaus but I never recieve any response from them. Please delete the following incorrect addreses and unauthorized Inquiries. 

XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request your assistance in correcting these issues to restore my credit profile. 

Thank you for your attention to 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 2024-09-25 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: MD

Complaint narrative:
I am writing to report that I am a victim of identity fraud. As a result, there are unauthorized inquiries on my credit report that I need to have removed. Additionally, there are incorrect addresses associated with my file. 

I seeking for help I also send letters to three credit bureaus but I never recieve any response from them. Please delete the following incorrect addreses and unauthorized 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 XXXXXXXX I kindly request your assistance in correcting these issues to restore my credit profile. 

Thank you for your attention to 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 explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), XXXX XXXX XXXX XXXX account on XXXX XXXX, XXXX XXXX XXXX on XXXX XXXX, XXXX  XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX. on XXXX XXXX, XXXX  XXXX on XXXX XXXX, XXXX via XXXX on XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX  ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX on XXXX XXXX, that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached 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 proof from the US 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 2024-09-25 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax, I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX VA XXXX Subject : Notice and Demand for settlement of Unauthorized Inquiry on Consumer Report under 15 U.S.C. 1681n Dear [ XXXX XXXXXXXX XXXX XXXX ], I am writing to notify you of unauthorized inquiries made on my consumer credit Reporting Act [ FCRA ], specifically under 15 U.S.C. 1681n. The FCRA protects consumers from unauthorized access to their credit reports, and I have identified that you made an inquiry without my authorization or a permissible purpose under the law. 

The unauthorized inquiry occurred as follows : .Inquiry by : [ XXXX XXXX XXXX XXXX ] XXXXDate of Inquiry : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C . 1681n, any person or entity that willfully obtains a consumer report without a permissible purpose is liable for statutory damages, actual damages, punitive damages, and attorney 's fees. I demand that you immediately take the following actions : 1. Remove the unauthorized inquiry from my consumer credit report with all credit reporting agencies where this inquiry appears. 
XXXX. Provide me with a written statement verifying that you had no permissible purpose or authorization for accessing my credit report. 
XXXX. Settle this matter by compensating me in the amount of [ Specify Amount ] to avoid further legal action.

I am providing you with a copy of my credit report, highlighting the unauthorized inquiry for your review. If I do not receive a satisfactory response within 30 days of receiving this letter, I will pursue legal action for damages as allowed under 15 U.S.C. 1681n, including actual damages, statutory damages of up to {$1000.00}, and punitive damages.

Please consider this notice a formal demand for the immediate resolution of this matter. Failure to respond or provide proof of permissible purpose may result in a lawsuit being filed against your company. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX  - XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to 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 2024-09-25 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$6800.00} XXXX  XXXX XXXX Balance : {$21000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX  ( Original Crditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$7000.00}

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 2024-09-25 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$6800.00} XXXX  XXXX XXXX Balance : {$21000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$8300.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX  ( Original Crditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} XXXX  XXXX  XXXX Balance : {$7000.00}

Company response to consumer: Closed with non-monetary relief