vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00}. This is not my account, its fraudulent. 

Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX . NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AppFolio, Inc.
State: IL

Complaint narrative:
I moved out of a property that was run by local by XXXX  I was there almost 2 years until management changed last XXXX some how section 8 paid them XXXX and I paid my portion which was only {$8.00} dollars some how me and section 8 was back and forth with them and they were paid I got ready to move I got denied because they put on my rental screening I missed XXXX payment so he tried to clear it up but was to late because I lost out from being approved so me not knowing that he still left it on a screening app that I had know way of knowing until now and I finally figured it out after losing money so I just went with my gut feeling and said drive to they office to see if it's still open and yes under a different management again I remember 2 individual from before and brought it to they attention she took my info and said I'll contact you after I look thru some ledgers she emailed me and said I didn't never owe anything and gave me a letter head stating that I tried reaching out to AppFolio numerous times and sent them proof of everything I have called called and called and left messages know response besides a email saying they are not removing anything it's said so I'm being turned down can't move have health issues it's mold and issues with were I reside since they moved different people in here that don't take care of things they saying I owe {$200.00} and I don't owe them anything that man XXXX did that on purpose and I want to sue them for damages and money I lost

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Date : XX/XX/2023 Amounts : {$420.00} Actions : I did not recieve any letters or mail until recently about my visit to the XXXX XXXX XXXX. I was told, that I was due the amount above. I would like some more informations on why that amount was due. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: IN

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: IN

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-11-14 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Company is Venmo - The original email said I had a negative account balance because of a flagged credit card that was never used on their site. They later sent a separate email with a different reason that mentioned a transaction sent to user @ XXXX on XX/XX/XXXX for {$500.00}. I promptly notified customer service via their chat service on XX/XX/XXXX to let them know about the erroneous transaction. They ignored my notification and continued with the funds transfer to the recipient without placing a hold or waiting for funds to clear ( which they didnt because I disputed It with my bank ). I never received any details or information from them regarding this transaction until recently when I opened a new account with their company. They froze the new account ( which is now closed ) and started sending me collection notices. I explained the circumstances to multiple agents ( 3 or 4 different names ) and that Ive never received these emails in the past. I promptly notified them on the date of the transaction and was not provided any additional details or information regarding further steps to stop the transaction in XXXX. As far as Im concerned, their issue needs to be addressed with the recipient as I do not owe them any money. Ive now requested on 4 or 5 different emails to cease communications with me and to add me to their Do Not Contact List, but they continue to ignore my requests. Their emails mention being able to opt out of further communications, but Im not able to complete the request because I no longer have an account opened with their company. Id like for their continuous harassment to stop and for them to quit transferring me to new agents ( Im assuming this is to avoid fines ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect Information 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 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
My name is XXXX XXXX, a XXXX citizen. 

I have created a financial digital account in XXXX XXXX XXXX  in early XXXXXXXX XXXX. 
The company restricted my account around in XXXX XXXX saying my account was under review. After I contacted customer service, they responded that they need to call me on the phone. After brief conversation on the phone with the customer service representative, the company told me they needed XXXX actions be taken by me to process the account review. I followed their instructions and verified all my information asked of me including taking XXXX like face recognition data XXXX This was XX/XX/XXXX. 

The company instructed me that the review takes XXXX days at the most. After the XXXX days I tried to contact the company to ask for update, and not the customer service is locked out for me and there is no way I can contact them whatsoever. The company is ignoring my emails, and the so called review process is taking over XXXX days as of today blocking access to my XXXX  XXXX dollars. I can't even withdraw the fund to my bank from the company, because the company have blocked my account from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I came into the branch on Friday the XXXX right before XXXX XXXX to make a deposit that was done properly handled at the branch to which I had to come back in on XXXX  the XXXX to handle the missed proper deposit that was done to also be given a bald-faced lie that was told to me saying that they do not accept third-party checks when I was already told that they did all that was needed was for the other individual to sign it over or endorse it in front of the manager of the bank in order for me to make the deposits once I inform them of that then they went to look for the initial check that was given that XXXX  on the XXXX so they can reprocess it on XXXX  the XXXX which the funds should have been available on that XXXX  through the XXXX which I was told that the funds wouldn't be available till the XXXX to finally be told that my account was frozen and that I had to wait for a call to be given to me by one of the managers or be back office in regards to my account due to the deposit that I made at the branch cuz of it being so high in value and the account being brand new.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXXXXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00}. This is not my account, its fraudulent. 

Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is BLUE STREAK COURIERS, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXXXXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00}. This is not my account, its fraudulent. 

Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Accounts more than 7 years and 180 years old continue to be listed on my credit reports. There are 2 accounts in collection status and 20 closed, charged of, or accounts that show a current balance that are older than 7 years and 180 days old. The dates on all these accounts continue to be updated by the original creditors so it will appear they are not old enough to be removed and are never dopped 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 explanation
Consumer complaint received 2023-11-14 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: NY

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 USC 1681. 

XXXX XXXX : # XXXX, XXXX  XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, Hard inquiries : XXXX, XXXX XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Accounts more than 7 years and 180 years old continue to be listed on my credit reports. There are 2 accounts in collection status and 20 closed, charged of, or accounts that show a current balance that are older than 7 years and 180 days old. The dates on all these accounts continue to be updated by the original creditors so it will appear they are not old enough to be removed and are never dopped 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 explanation
Consumer complaint received 2023-11-14 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:
This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion XXXXXXXX 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
Here is my situation. I am XXXX  and I arrived in the US  in XX/XX/XXXX under the program XXXX ( for XXXX ). The last time I was in the US was 11 years ago when I was a student in XXXX. In XXXX I received my Social Security Number for working because I had a XXXX XXXX. 

On the XXXX of XX/XX/XXXX, I tried to open a secured credit card in XXXX  XXXX XXXX but I was refused because of unexpected reasons ( Current or past delinquency, derogatory public record ( s ) ). I was curious about why I received these denying reasons and decided to check my credit report to see if everything was okay with it. 

Unfortunately, my credit reports ( XXXX, XXXX, XXXX ) showed me that somebody stole my personal information and created many credit debts ( more than {$100000.00} ) in different banks using my personal information without my consent. 

For now, it remains to close the last bank account ( in USAA bank ). I already called their fraud department hotline and sent them a letter with copies of my documents, but the bank refuses to take this account with debts of {$22000.00} from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I have reached out to Upstart Network Inc multiple times previously in regard to the inaccurate information they are reporting on my credit. I am a victim of ID Theft and have sent the documents I have officially filed, at their request, and still have not seen the corrections that need to be made. They are neglectful in their duty to correct their mistake since they are unable to verify with physical proof of verification of the debt they are claiming to be mine, as required under Section 611 ( a ) ( 7 ). The subjected accounts details are below : UPSTART NETWORK INC XXXX XXXX XXXX {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
BestBuy CBNA - The account is paid in full but was charged off. Before paying off the account, BestBuy CBNA agreed to remove the late payments from my credit report. From XX/XX/XXXX- XX/XX/XXXX the account was delinquent. The account reflects Paid in full but those delinquents have not been removed. Please remove as agreed upon.

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