vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ). 
Dear XXXX, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report. 

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you block and delete all accounts, inquiries, and any other fraudulent information resulting from this identity theft from my credit file.

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 2024-12-04 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: FL

Complaint narrative:
Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( a ).

Dear Equifax, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized Equifax data breach. As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.

Pursuant to 15 U.S.C. 1681c-2 ( a ), I request that you block and delete all accounts, inquiries, and any other fraudulent information resulting from this identity theft from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2024-12-04 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

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 2024-12-04 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-12-04 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: VA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 2024-12-04 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: VA

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts 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 explanation
Consumer complaint received 2024-12-04 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: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Please be advised that as of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from TransUnion to pull or review my consumer report. Additionally, I did not give TransUnion permission to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

I requested TransUnion remove the abovementioned inquiries multiple times, but they have not complied. It is their duty to accurately report information and as of now they are not doing that.

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 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year> I received a phone call ( XXXX ) from Navy Federal asking be if i approved 2 {$5000.00} wire transactions to a XXXX XXXX XXXX. I yell no no no. They told me to call the fraud department of my bank but i went to the local branch and thought it was held and didn't go thru and I made a new account with the bank Never heard anything from the bank until on XX/XX/XXXX I had another illegal transfer to an XXXX XXXX for {$4900.00} which I called the bank and they stopped it and I went to the branch the next day to open another new account. This is when I found out my claim for fraud was denied. I appealed it and was told today since I added no more new information the appeal was denied a 2nd time. Im not a rich man and {$10000.00} is alot of money to give someone and I never approved of it. I think its internal that someone at navy federal stole my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 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: WV

Complaint narrative:
I am deeply troubled by the presence of this late payment on my account, given my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 explanation
Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 explanation
Consumer complaint received 2024-12-04 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:
I am writing to file a formal complaint against TransUnion due to their failure to investigate and resolve inaccuracies on my credit report. 

On XX/XX/2024, I mailed a dispute letter to TransUnion via XXXX certified mail tracking # XXXX, requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my report. 

According to XXXX tracking, my dispute letter was delivered to TransUnion on XX/XX/2024. Despite my detailed and thorough request, I have not received any investigation results or communication from TransUnion. It has now been more than 30 days since my submission, which exceeds the timeline mandated by law for completing investigations. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of any information in their credit file. XXXX lack of response or action constitutes a clear violation of my consumer rights under the FCRA.

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 2024-12-04 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-04 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: NY

Complaint narrative:
I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
I did an instant deposit on from my checking on XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$300.00} ), XX/XX/XXXX ( {$500.00} ). On XX/XX/XXXX I attempted to make I believe XXXX deposits from my checking to my Robinhood account. It wouldnt do instant transfer and so I kept trying to make the deposit thinking I was doing something wrong and they werent going through. When I looked at my history it still showed all of them active and waiting to be processed over a XXXX day period. I cancelled all of these transactions except XXXX and made a deposit with my debit card. I had to give a picture of my ID both front and back and take XXXX selfies to use my debit card, it was a success. Shortly after I made a purchase and my account was then restricted and under review. To get it unrestricted, I had to again send my ID both front and back as well as XXXX selfies. It stated that my account would be finished with the review XXXX, on XXXX it XXXX stated XXXX, now today it states XXXX. RobinHood not only has my investment hostage but cash as well. Its showing my investments and my cash in their app but they have restricted it. They are basing their restriction on my security. However, I have performed all the necessary requests proving I am who I am. I have read this seems to be a common theme with Robinhood. Im an honest individual that didnt understand the instant transfer feature was limited and would keep compounding. Instead of inadvertently transferring XXXX the amount I intended to, I cancelled them and used my debit card. I have opened chats on their app and its a brick wall there is no way to communicate. I have asked questions and expected to receive emails, I havent received any in regards to this issue. I have tried to enter my telephone number on my account, it wont accept it, so therefore when I call and try to receive a call back, it wont and states invalid telephone number. This morning, I read several instance on a blog about Robinhood doing this to others in the past year. XXXX individual stated that Robinhood continued to review their account for XXXX weeks, thats ridiculous and I dont want to be telling the same story down the road.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to follow up on my previous dispute letter dated XX/XX/year> regarding the late payment reported on my credit report for XXXX Account # XXXX. 

As a reminder, I believe these late payment was incorrectly reported, as they may not have been timely received or processed by the creditor. I referenced 15 U.S.C. 1666b in my previous letter, which requires creditors to provide consumers with billing statements at least 21 days prior to the due date before reporting a payment as late.

I have yet to receive verification from you regarding the accuracy of these late payment reports. I kindly request that you expedite your investigation and remove these inaccurate late payments from my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to follow up on my previous dispute letter dated XX/XX/year> regarding the late payment reported on my credit report for XXXX Account # XXXX. 

As a reminder, I believe these late payment was incorrectly reported, as they may not have been timely received or processed by the creditor. I referenced 15 U.S.C. 1666b in my previous letter, which requires creditors to provide consumers with billing statements at least 21 days prior to the due date before reporting a payment as late.

I have yet to receive verification from you regarding the accuracy of these late payment reports. I kindly request that you expedite your investigation and remove these inaccurate late payments from my credit report.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2024-12-04 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I transferred from one unit to another at the end of my first lease with the apartment complex. during that transfer, there was a debt of {$340.00} that was owed to the apartment complex. I paid this debt in full to the apartment, and my payment ledger shows this. 

I started receiving calls from a collection Agency stating the debt was not paid. I contacted the property manager and they confirmed the debt was paid and it should have not been sent to collections. I received a copy of my ledger showing the debt payoff.

the collection agency said the debt is still owed through them, and chastised me for attempting to " go around '' them with my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Mohela is adding balance to the principal despite the administrative forbearance. The interest rate is supposed to be 0.0 %, yet my balance is continuing to increase. They also sent an email out on XX/XX/year> saying that the interest will continue to accumulate despite being in forbearance. Shady and probably illegal practices. Seems like they are counting on people to not notice small increases in balances. I can not even track my loans properly because they had made it so confusing by pushing fake notifications and not providing any real notices when they suddenly decide to increase your balance. Theres no way for me to tell when my balance increased because they are not being transparent. How can it keep going up while in administrative forbearance at 0.0 %? I am exhausted by dealing with Mohela. It is impossible to get through to speak with someone. Someone needs to stop them because they are participating in shady practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation