vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

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 confidentiality under 15 USC1681.

Account Name : XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 if 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 2024-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2024 - Filed a complaint by telephone regarding a stolen check with unauthirized transaction posted by XXXX on my checking account. 
The record number for my complaint is : XXXX Received a letter from Citibank XXXX XXXX XXXX XXXX XXXX XX/XX/2024 stating that my inquiry/complaint had beed investigated and completed and that Citibank has credited my account in the amount of {$5000.00} ( Amount written on the stolen check ). 
Called Citibank XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and wrote a follow letter asking why there is still no credit shown on my checking account. 
Every time I called several representatives convened in the background and ask for more supporting documents which I alredy submittedand in their possession. 
XX/XX/2024 I called and was told for the first time by Citibavk representative that it takes minimum of 90 days for my checking account to be credited. 
Every time I call and ask for a current status about my i was getting no direct answer when I will receive the credit.

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 2024-07-24 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: MO

Complaint narrative:
on XX/XX/year>, {$3200.00} dollars was transferred out of my account, but I did not preform this transaction. Either it be fraud or someone hacking into my account and doing it, I did not authorize these payments. I immidiately contacted XXXX security team, which surprisingly took less than half a day to conclude there was " no evidence '' of fraud. it then took XXXX  days of me calling and asking for information for someone to finally tell me this on the phone. when i asked for any information, the person on the phone kept repeating " there was no evidence found '' and that is it. The company, robinhood, allows easy transferring of funds from a checking account to a brokerage, where the person that got into my account recklessly dumped my money, and lost it, into stocks that were obviosuly going to lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
I was advised by a TransUnion rep to fill out this report because of unauthorized inquires in my report, please remove all these Unauthorized inquiries on my report. 

Bank Name : 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

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 2024-07-24 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:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My payments keep going up with Wells Fargo. I am now at 14 % and I cant afford to pay this and I only owe XXXX on my home. I paid XXXX on XX/XX/XXXX and paid XXXX on XX/XX/XXXX receive a letter stating that I owe XXXX due by XX/XX/year> this doesnt add up.

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 2024-07-24 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: FL

Complaint narrative:
To whom it may concern, I am filing this complaint to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that EQUIFAX 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 receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : XXXX  XXXX Revolving Account Account Number : XXXX Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX Collection Account Account Number : XXXX Balance : {$1300.00} XXXX XXXX Collection Account Account Number : XXXX Balance : {$1900.00} Inquiry from XXXX XXXX XXXX XXXX : XX/XX/XXXX These fraudulent accounts have resulted in multiple unauthorized hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are entirely the result of identity theft and fraud. 

Attached is a copy of my FTC Identity Theft Report Case Number : XXXX which serves as proof that all the aforementioned accounts, collections, and inquiries are fraudulent. I request that you block this information from my credit report immediately as required by the Fair Credit Reporting Act. 
Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
Received a call XX/XX/2024 from XXXX with a voicemail to call back about a debt. I called back, and the debtor has my same name but different birthday ( its not me, I have no debt ). I requested my name and phone number be removed from their call list and they stated they would. 

Received a call XX/XX/2024 from same phone number / same company. Stated I do not have any debt, I do not have an account, please remove my name and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: IN

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
My saving account restricted over XXXX without any reason. 

I did identity verification with rep and call with customer service team hundreds of time but never gave me the proper answer! just wait till the new notice. 

I really don't want to keep my account anymore on this bank. 

Want to close my account and return my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Subject : Complaint Against Harris & Harris Collection Agency Dear CFPB, I hope this message finds you well. I am writing to seek protection from the collection practices of Harris & Harris, which claims to be acting on behalf of the XXXX of XXXX XXXX. 

I have recently experienced violations by Harris & Harris, including receiving multiple text messages after XXXX XXXX, which I understand is prohibited. I have provided supporting documentation regarding these text messages. 

Additionally, Harris & Harris has addressed someone named " XXXX '' in their text messages, a person whom I do not know, nor have I provided this contact number to any collection agency. 

I kindly request your intervention and investigation into these matters to ensure that my rights under the Fair Debt Collection Practices Act ( FDCPA ) are upheld. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: GA

Complaint narrative:
I am writing to formally express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies in these accounts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and significantly hindering my ability to lead a normal life. 

The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. 

It is imperative that the necessary steps are taken to update and rectify my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file, thereby regaining control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
XX/XX/year> : Received questionable e-mail regarding purchase of an XXXX laptop {$1800.00} on a PayPal acct in my name ; Called support number and they asked me to verify my name, last four digits of social security number ; PayPal support routed me ( questionable ) to Head branch of XXXX  XXXX XXXX to confirm my identity and that identity theft was done ; they routed me to (? ) FTC where XXXX XXXX XXXX ( senior investigative officer XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, case XXXX XXXXXXXX ) told me that they would suspend all XXXX XXXX XXXX checking and saving accounts and that people at my local branch would be suspect of stealing my identity. To catch criminals, would send an FTC and Social security officer to my local branch, but screamed at me when I asked for the address where I bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 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: MS

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance withthe Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency canot furnish an account without my written instructions. 

Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 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: MS

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance withthe Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency canot furnish an account without my written instructions. 

Account XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 2024-07-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX : This CFPB complaint has been filled to request pursuant to FCRA & 605B ( 15 U.S.C & 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the results 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 XXXX XXXX on XX/XX/XXXX, under account number XXXX, a Capital One credit account open XX/XX/XXXX under account number XXXX, a Capital One credit account opened XX/XX/XXXX under account XXXX, a credit account opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections and hard inquires 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 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 of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

Company response to consumer: Closed with explanation