vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-11 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: CO

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Items to Dispute Personal Information Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX Late Payment XXXX XXXXXXXX XX/XX/XXXX {$5800.00} XXXX XXXX XXXX XX/XX/XXXX {$5700.00} Inquiries XXXX XXXX XXXX XXXX XXXXXX/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 2024-12-11 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: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, these accounts and inquiries were not authorized by me and must be removed immediately. 
The fraudulent accounts are as follows : XXXXXXXX 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 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 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 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 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 unauthorized inquiries are as follows : XXXXXXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2024-12-11 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XX/XX/year> ( XXXX XXXX XXXX an intervention company charged my credit card {$9900.00} for intervention services. XX/XX/year> ( XXXX ) ( XXXX hours later ) I notified the intervention company that I was not going to take advantage of their services. I also notified my credit card company at the same ( charge was pending ) not to process the charge, however the credit card company process this charge. Since then I have disputed the charge twice with the credit card company and they have denied the dispute due to a contract that I had signed with the intervention company. At the time I signed the contract the spoken person for the intervention company rushed me to signed the contract, send a copy of my drivers license and credit card. It was an extremely difficult time and I believe that they took advantage of my distraught mental state. 
The intervention company has refunded {$4900.00} of the {$9900.00}. The {$5000.00} balance is a extreme hardship for me.

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 2024-12-11 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX XXXXXXXX Account Number : XXXX Please investigate and delete from my credit report. 


7. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit f ile. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: NJ

Complaint narrative:
I contacted Experian several times and let them know this was identity theft and the account was not mine. They refused to remove it and have given me the run around. I also contacted the creditor several time and have received nothing from each. Letter to Experian : Subject : Formal Complaint and Demand for Immediate Removal of Erroneous Account Information. 

XX/XX/year> Experian Dispute Resolution Department RE : Fraudulent Account XXXX  ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally demand the immediate removal and blocking of the fraudulent account referenced above, XXXX  ( Account Number : XXXX ), from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ). This account is a result of identity theft and fraud.

As per 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of any information resulting from identity theft within four business days upon receipt of : A copy of an identity theft report.

The identification of the fraudulent account in question. 
A statement from me that this account is not mine and was fraudulently opened or used. 
Enclosed with this letter, you will find the following supporting documents : A copy of my amended police report affirming this case of identity theft and fraud. 
A statement attesting that the account is fraudulent and not authorized by me. 
I have also submitted formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) regarding Experian 's failure to address this issue appropriately and in a timely manner. If this account is not removed and blocked from my credit report within the legally required four business days, I will proceed with legal action against Experian for non-compliance with the FCRA and any other applicable laws.

Please consider this your final notice to comply with federal law. I expect written confirmation that this account has been blocked and removed from my credit file, as well as an updated copy of my credit report, reflecting these corrections. 
Failure to act will leave me no choice but to pursue litigation to enforce my rights. 
Sincerely, XXXX XXXX Enclosures : Amended police report Statement regarding the fraudulent account

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 2024-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have to imagine I am not the only consumer who questions. WHY DOES THE CFPB EXIST? 
For years the only procedure I see is. 
The Consumer submits a claim to the Bureau, then the Bureau does nothing but pass the claim on to the offending Bank to determine the disposition of said claim.

The Remediation process is no different than the Modification scam. 
The XXXX XXXX  institutes a never ending request for the same information only to : DELAY.

DECIEVE. & Eventually. 
DENY. Or in my case throw an unacceptable check for {$1600.00}. 
Over 12 years has passed since Wells Fargo justified, Their Two, very costly modification procedures they hit me with. Claiming that they are transparent and can hold funds in a separate wallet they label, a Suspense Account To this date I have yet to see neither the Oversight Committee nor Anyone compel them to Transparently disclose this Suspense category on their monthly statement. IN THE SAME MANNER THAT EVERY OTHER DOES. 
XXXX, XXXX, XXXX XXXXXXXX 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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, there was an unauthorized charge of {$4900.00}, which I reported to Robinhood as soon as possible when I saw it.

According to the details I do have from Robinhood, this was an online order, which I believe should have been able to be canceled, seeing as I had notified them within XXXX hours of it having occurred. 

During this time, I had been at XXXX XXXX alongside my father, who had suffered a major XXXX XXXX, and I entrusted that they would take action and stop any order from taking place. They have not done that. Instead, they charged my account and refused to refund it. Their policy seems to be what can cause the maximum pain and suffering for the customer, because they don't seem to have anyone on that team to help. I don't know if it's a staffing issue or what, but they don't even seem to want to help.

Robinhood has been entirely useless, and I am begging for your assistance. I have way too much going on already and no time for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 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: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : FOR ROUND 1 : Personal Information Also Known As 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 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 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 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I have noticed fradulent charges against my debt card and Google ( googlewallet ). GoogleXXXXXXXX XXXX XXXX XXXX, have charges of either {$7.00} or {$8.00}, and have been taken it from my XXXX XXXX XXXX account without my permission. 
I noticed this back as far as XX/XX/year>. 
With each activity XXXX has provided me with a new credit/debit card and this fradulent activity continues. 
With the previous situation Ive learned to lock my card when not in use so that companies can not help themselves to my money. 
Today XX/XX/year>, XXXX and I have discovered that this money has been taken out of my Google Wallet. 
XXXX has graciously refuned the charges and provided me with a new card after each fradulant charge case but these charges from Google continue and it was not until today that we figured out that the money was taken from Google wallet. 
The actions that I have now taken is that I have removed my cards from the google wallet and I will not use Google wallet any longer. 
XXXX and I discovered that there was a short period of time on XX/XX/XXXX, that my card was unlocked while i was shopping and during that time is when the money was taken from my account this lst time. 
XXXX has provided me with documentations whereas, Google attempted to take money from my account and an error message indicated that the account was locked, so they were unable to take the money. 
XXXX has once again provided me with a new debit card, I have tried in the past to talk to a Google member customer services but no phone number will put me through to a live person. 
XXXX provided me with a customer service phone number : ( XXXX ) XXXX but I was still unable to speak to anyone about my situation. 
Google has let me down. 
I thought they were a reputable company because at one time they did in fact have a helpful live XXXX service phone numbers and they were very help in the setup of my Googlefide home that I have. 
Now they are no where to be contacted and they have their hands into my cookiejar/bank account and I can not talk to them.

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 2024-12-11 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: LD Holdings Group, LLC
State: FL

Complaint narrative:
LOANDEPOT.COM LLC Account # XXXX Date opened : XX/XX/year> Balance : {$390000.00} FRAUDULENT NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: LA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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 2024-12-11 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: TN

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Items to Dispute Personal Information Current Address ( es ) : 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 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-11 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: NC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/year> To whom this may concern, I need clarification as to why you are reporting certain information on my credit report. Please review the following. 

According 15 US Code 1692g 1 ) I need you to send me a full detailed list of the payment history on this account. 
2 ) I want to see the original signature that I agreed to the contact for this creditor.

3 ) Has there been any insurance claim found on the DEBT.

4 ) Lastly, I want to see the chain of titles that you have to collect on this DEBT.

Thank You,

Company response to consumer: Closed with explanation