vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
I ordered an updated credit report recently while applying for a loan and discovered a previous home address, a few accounts, and several inquiries I do not recognize. I have filled a police report locally # XXXX, an FTC report # XXXX, and a completed Identity Theft Affidavit that was notarized detailing all disputed items as mentioned, along with a full-color copy of my driver 's license, social security card, proof of residency, FCRA 605b documentation ( 2 ) pages, and my individually typed letter to each credit reporting bureau recapping my dispute and incident reporting of the accounts/details of the information that should be removed from my reports within four business days of an alleged identity theft incident. 

I have sent all of this to XXXX, XXXX, & TransUnion, and as of today ( XX/XX/XXXX ), only XXXX has complied with the law and provided overly substantial proof of my claims. My family is on the verge of closing on our very first home this upcoming Monday, XX/XX/XXXX. The urgency of this situation can not be overstated. These listed accounts below are incorrect and should be removed promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As of today ( XX/XX/XXXX ), XXXX is the only bureau that has done anything about this. Both XXXX and TransUnion have not complied with the FCRA605b law/standard to do so in 4 business days, even though they have been in confirmed receipt since XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: FL

Complaint narrative:
My robinhood account became restricted a couple years ago while I was selling and buying stocks, the original restriction was only supposed to last around 3-6 months. After the 6 months my account was still restricted and I could not withdraw my {$810.00} I had as buying power. I tried contacting the company by email asking when my restriction would end or why it was restricted and was answered with then saying they do not know. And when I was told that they could deactivate my account which would give me my money back the person I was emailing told me that they could not give me an answer as to when exactly my account would be deactivated and my money returned. But seeing as how that was over almost 2 years ago I feel like they're just trying to hold my money and keep it from me which is not right. They also said that my funds would be transferred back to my bank account in 3-5 business days. That was in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
I recently reviewed my credit report and was deeply troubled to discover several inaccuracies that have caused me significant distress. These items are unverifiable, invalidated, and questionable, and they do not reflect the accurate status of my financial history. 

As per the Fair Credit Reporting Act, it is crucial that all information on my credit report is reported accurately. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) clearly stipulate the requirement for complete accuracy in credit reporting. 

I have enclosed copies of all correspondence I have sent regarding these discrepancies for your reference. I kindly request that your agency promptly investigates these issues and takes the necessary steps to correct the errors in my credit file. 

Thank you for your attention to this matter. I look forward to your swift resolution.

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 2024-06-19 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: TX

Complaint narrative:
I recently reviewed my credit report and was deeply troubled to discover several inaccuracies that have caused me significant distress. These items are unverifiable, invalidated, and questionable, and they do not reflect the accurate status of my financial history. 

As per the Fair Credit Reporting Act, it is crucial that all information on my credit report is reported accurately. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) clearly stipulate the requirement for complete accuracy in credit reporting. 

I have enclosed copies of all correspondence I have sent regarding these discrepancies for your reference. I kindly request that your agency promptly investigates these issues and takes the necessary steps to correct the errors in my credit file. 

Thank you for your attention to this matter. I look forward to your swift resolution.

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 2024-06-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-06-19 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: SLM CORPORATION
State: CA

Complaint narrative:
I made 3 payments across 3 of my loans in the month of May to Sallie Mae. 2 of my loans were overfunded and 1 of my loans ( loan # 0687 ) was underfunded as the funds were not allocated correctly. I was not made known of this until it was reported 60 days deliquent to the credit bureaus. I called immediately and made an additional payment to bring the account to good standing. I filed an appeal to have the deliquent reporting removed and was denied the removal in their review. After calling to speak with the supervisor I was told there is absolutely nothing I can do and will have to live with the late payment notice on my credit. This dropped my credit XXXX points in an absolute crucial time where my family depends on my credit to get us through financial hurdles. I asked to file an appeal of the denied decision and was told there was no option for me to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: I.C. System, Inc.
State: FL

Complaint narrative:
I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED 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 2024-06-19 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: GA

Complaint narrative:
XXXX XXXX reported an invalid balance and an eviction onto my tenant history report and both are invalid. I went to court for which the account was dismissed and I had already moved out prior to at the ending date of my lease. I asked for their supporting documents and received an outrageous balance statement. I showed the court dismissal letter, phone conversations, repair list, and emails that I took to court. Company was and still is giving me the run around, all over the place, short staffed and very unorganized.

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 2024-06-19 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: GA

Complaint narrative:
XXXX XXXX reported an invalid balance and an eviction onto my tenant history report and both are invalid. I went to court for which the account was dismissed and I had already moved out prior to at the ending date of my lease. I asked for their supporting documents and received an outrageous balance statement. I showed the court dismissal letter, phone conversations, repair list, and emails that I took to court. Company was and still is giving me the run around, all over the place, short staffed and very unorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-06-19 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: GA

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit status. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with who you verified this information so that I may follow up with them directly. Please send an updated copy of my credit after your reinvestigation. 


XXXX XXXXXXXX Account number XXXX open date XX/XX/year> This request for reinvestigation is in reference to Experian report number 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 2024-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Messerli & Kramer P.A.
State: NE

Complaint narrative:
I've been dealing with an identity theft and card information fraud situation since end of XXXX. I've tried to fix my credit reports but these people are just sick!! Now they are trying to sue me for it and have no interest in anything I have to say just demand I pay them all this money. They are rude, repulsive, and despicable individuals. They need shut down as I've seen I'm not the only one who thinks they're absolutely appalling individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX violated Section e ( 10 ) of the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt. '' attempting to collect a debt falsely represented that XXXX XXXX XXXX had a legal right to collect the debt XXXX XXXX XXXX is required to have a license under the New Jersey Consumer Finance Licensing Act, XXXX. XXXX et seq. ( XXXX ) to pursue collection, XXXX XXXX XXXX is a unregistered in the state of New Jersey and unbonded in the state of XXXX XXXX is registered under NMLS ID : XXXX in the state and city of XXXX VIRGINIA XXXX Branches : CA, XXXX, KS, NC, XXXX, TN, TX, VA

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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is inaccurate info on my credit report by a third party company that goes around buying peoples debt from apartment complexes. They are called XXXX XXXX XXXX. they are trying to collect XXXX and increasing this inaccurate debt every month. I have a document showing that I only owed XXXX and a receipt showing its paid in full. I submitted this to TransUnion and a week later hired a credit repair company to do the same. I told the agency in addition to the certified mail that I personally sent with those documents to TransUnion the reason for my dispute which is that this acct has been paid in full. I never disputed the accuracy of the account meaning that it did not belong to me. I waited 45 days and was sent a email stating they had completed my dispute. I call TransUnion and they tell me that everything is accurate and nothing is being deleted. I asked how that could be when there was supporting evidence to show. The agent told me that they only investigated the accuracy of ownership meaning they only verified it was my name and date of birth ( ownership ) was his exact words. I said thats not what the dispute was about obviously I sent in documents to show the issue. He said well you will have to file another dispute and it will be 45 days. I had more than one dispute and the agent at TransUnion said all of the disputes were only investigated for ownership. I said that is not what was asked of them to investigate.This account has not only ruined my credit but I can not get a place to live because of having it on there. I have provided the info and in addition to myself the credit repair company sent electronically the dispute with the details of how this amount is paid in full. They are only investigating ownership when I disputed the inaccurate info so they are going to not only ignore the dispute info and not do their job but they are going to continue reporting inaccurate info on me. I caught them in a bold face lie and if they are doing it to me how is anyone ever going to know if they are not doing it to millions of other people. The options for dispute are ownership, paid in full, never late etc why offer options if they only going to check one thing only and keep on reporting lies. Who holds them accountable and why are they not made to supply proof of what they fo in the dispute? This is illegal and disgusting and I want these people held accountable in addition to removing the lies off of my credit report that I proved are lies.I want this to be investigated

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 2024-06-19 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: PA

Complaint narrative:
I recently reviewed my credit and there is fraudulent account on my report. I do not not owe this company any type of debt please remove this account from my credit report. 

Pursuant to 18 USC, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 
Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX XXXXXXXX {$6500.00} XXXX XXXX XXXXXXXX {$2400.00} XXXX - XXXX {$410.00} XXXX XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXXXXXX {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} XXXX XXXX XXXXXXXX - XXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXXXXXX {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX {$38000.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX FIN - XXXX {$1800.00} XXXX - XXXX XXXX - XXXX {$120.00} XXXX XXXX XXXXXXXX {$9300.00} XXXX - XXXX Accounts : XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$5600.00} Accounts : XXXX - XXXX {$10000.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX CAP XXXX - XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX {$1500.00}

Company response to consumer: Closed with non-monetary relief