vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I XXXX XXXX XXXX has submitted several documents and several times to dispute inquiries on my TransUnion credit report. TransUnion is refusing to remove inquiries from my credit report for accounts I dont not own. I informed TransUnion that I never gave authorization for these 8 companies to pull my credit report for a line of credit. They have yet to remove the submissions from my credit profile. Ive also informed them that Im a victim of identity theft

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 2024-01-11 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: FL

Complaint narrative:
I'm XXXX XXXX, and I'm writing to discuss some issues with my credit report that I received from your agency.

I recently discovered that my personal information was shared with a third party without my permission. This seems to go against the rules outlined in the Fair Credit Reporting Act. According to my understanding of the law, I have the right to know and control who gets my personal information. However, my report shows that some details were shared without giving me the chance to say no.

I want to clarify that my problem is not with the companies I owe money to but with your agency for sharing my information without asking me first. According to the law, you're supposed to get my written consent before reporting my personal information, and I haven't given that consent. I'm asking for proof that I agreed to this, as required by law.

I've also reported this issue to the Federal Trade Commission, and my complaint number is XXXX. I'm worried that this unauthorized sharing of my information might be a form of identity theft. 

I'm formally requesting the removal of the following accounts from my report within XXXX business days : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX CHILD SUPPORT ENFORCEMENT - Account Number : XXXX I've also noticed some unauthorized inquiries on my report. I'd like these removed as well : XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX- Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  - Inquiry date XXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX I want to make it clear that I have the right to a fair and accurate credit report. Removing these accounts is crucial for correcting the mistakes in my report.

Additionally, I'm asking for documentation on how you verified the disputed accounts and proof that I had the option to opt out of having my information reported.

I expect you to address this matter promptly and resolve the dispute within XXXX business days. If not, I may have to take further legal action.

Thank you for your quick attention to this issue.

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 2024-01-11 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'm XXXX XXXX, and I'm writing to discuss some issues with my credit report that I received from your agency. 

I recently discovered that my personal information was shared with a third party without my permission. This seems to go against the rules outlined in the Fair Credit Reporting Act. According to my understanding of the law, I have the right to know and control who gets my personal information. However, my report shows that some details were shared without giving me the chance to say no. 

I want to clarify that my problem is not with the companies I owe money to but with your agency for sharing my information without asking me first. According to the law, you're supposed to get my written consent before reporting my personal information, and I haven't given that consent. I'm asking for proof that I agreed to this, as required by law. 

I've also reported this issue to the Federal Trade Commission, and my complaint number is XXXX. I'm worried that this unauthorized sharing of my information might be a form of identity theft. 

I'm formally requesting the removal of the following accounts from my report within XXXX business days : XXXX XXXX XXXX- Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX CHILD SUPPORT ENFORCEMENT - Account Number : XXXX I've also noticed some unauthorized inquiries on my report. I'd like these removed as well : XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX EQUIFAX MORTGAGE SOLUTIONS- Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  - Inquiry date XXXX XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX I want to make it clear that I have the right to a fair and accurate credit report. Removing these accounts is crucial for correcting the mistakes in my report. 

Additionally, I'm asking for documentation on how you verified the disputed accounts and proof that I had the option to opt out of having my information reported. 

I expect you to address this matter promptly and resolve the dispute within XXXX business days. If not, I may have to take further legal action.

Thank you for your quick attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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:
Please note this account is not mien and the company doesnt provide me any proof. i need this account deleted i am attaching all proof i have. MY address is XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Account number name & # XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX XXXX XXXX, I received a call from somebody impersonating a police officer. This person threatened arrest and violence against me unless I " paid collateral. '' He told me to stay on the line via a three-way call ( claiming if I hung up a SWAT team would come for me at my work address ) and speak to my bank ( Wells Fargo ) . He was able to use my debit card number to withdraw {$2500.00} from my checking account and transfer it via XXXX  to somebody impersonating the U.S. Department of Treasury. After calling the actual police department and learning it was a scam, I called Wells Fargo three times instructing them to please cancel the transaction. Their claims agent ( XXXX ) refused to cancel the pending transaction or refund any of the money I lost. She adopted an extremely disrespectful tone with me and said I " deserved to be scammed. '' Wells Fargo refused to cancel the pending transaction three times over even though I told them repeatedly the transaction was not authorized.

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 monetary relief
Consumer complaint received 2024-01-11 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: TX

Complaint narrative:
I am the author of this complaint and I have attached a copy of my driver 's license and social security card to verify my identity. I tried to apply for credit and was swiftly denied, which led me to check my credit report. I noticed several creditors and collection agencies that are reporting incomplete, incorrect, and downright fraudulent information. I have attached letters below in the attachments which will show the accounts that I am calling into question. 

The credit bureaus are allowing reporting in such a way that violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 15 USC 1681s-2b and 15 USC 1681b are being blatantly violated and from my research all parties can be held civilly liable. 

The credit bureaus are not conducting a reasonable investigation like they are obligated to do

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 2024-01-11 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: DC

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.

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 a 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.

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 2024-01-11 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: DC

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.

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 a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Thursday XX/XX/24, Midland Credit Managemenr illegally added a derogatory report to my credit file. This company must be stopped. They send emails to my personal email and harass for money. I do not pay collection agencies especially when I do not owe them. I need them to prove they have the right to contact me in Florida and that their statutes allow them to harass me for an old debt that was purchased by them. 

I have contacted their state Attorney General in their state to do the following : 1 ) inform Midland not to contact me about a debt due to the pandemic. Additionally, I have received no correspondence from this company. The amount they claim I owe is exaggerated with over XXXX dollars in their fees and they are attempting to collect and they are a illegal collection agency. They placed a collection on my credit report without communication with me. According to the Bureau of Consumer Protection their collection process is erroneous and Midland Credit Managemenr must prove they have a right to : 1 ) Add fees of their own to the payment believed to be owed 2 ) Collect from a consumer in the state of Florida. 3 ) Attempt to collect any monies after the Attorney Generals office interrupted the process. 4 ) Prove they provided documents to me. 
If they continue to do illegal practices I will sue them in small claims court. I certainly will not deal with bullying or discrimination due to my financial status. I will contact Help me XXXX and XXXX XXXX XXXX XXXX because this company conducted soft pulls on my credit and constantly review my credit. This is harassment and illegal. 
I guess they figured theyd use a scare tactic but what they did is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
i got scammed and cashapp support is refusing to assist me. 
XXXX was stolen from XXXX account on XX/XX/XXXX  bank name XXXXXXXX XXXX XXXXXXXX XXXX last 4 digits of debit card XXXX transaction ID XXXX Cashapp support says the case is closed and refusing to provide further assistance, my experiece with cashapp support has been horrible, I honestly dont belive they should be allowed to handle banking for consumers. everything on the platform works great untill something goes wrong and you need support. no one is there to help you. I was hung up on multiple times, and they also advise that there calls are not recorded, I understand why. 

This company is a fraud!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXX Amount : {$29000.00} Account Number : XXXX Party Owed : American Express Amount : XXXX Account Number : XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim. Sincerely, FTC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: LEXISNEXIS
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.

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 a 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX was sent to XXXX  with no response more than XXXX  days ago. please see attached copy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, I initiated an ACH from the XXXX XXXX account on Robinhood. I had {$36000.00} in already settled funds in the account enough to cover two ACH withdrawals. One to my XXXX account in the amount of {$35000.00} and another to my XXXXXXXX XXXX account in the amount of XXXX. For no reason whatsoever, XXXX and ROBINHOOD decided to reject the ACH 's one after flagging them as fraudulent and flagging my entire Robinhood account which is now restricted from doing anything. I can't trade or access my funds. I have bills to pay that were to come from that XXXX withdrawal which I now can not access and also XXXX liquidated my position the next day at a loss ( which they shouldn't have done when they promised me XXXX days to reinitiate the transfer ) costing me to take a loss which I had to pay due to Robinhood and XXXXXXXX XXXX actions that were not my fault as the funds were indeed there. 

I am not a money launder and I am not committing fraud. These funds are tax exempt funds from the proceeds of my personal home sale. I have been calling Robinhood for the last XXXX days and they are holding my funds continually now telling me that I will have to wait another 7-10+ days for them to complete their investigation into me. I have provided them with live selfies, my current IL Driver 's license, my Passport, my bank statements for all accounts involved, incoming and outgoing, and whatever else they asked for. This is in addition to the XXXX days they have already held my funds. 

I am in limbo and they are committing a crime against me here. It doesn't take this long to verify my identity and run me through whatever database they want to see that I am not a criminal. This is NOT okay and I am very angry with them. Their AI or whatever is flagging accounts saw my large transfers as suspicious but they are not. I have been a XXXX customer since XXXX without a single issue. XXXX and Robinhood should be ashamed that they consider anyone transferring money to XXXX as a criminal. It is not a crime to want to invest in some crypto esp. with the Bitcoin ETF news that just came out. 

I was planning on investing in crypto on Robinhood but they have too many limitations on the platform so I simply changed my mind after my funds were transferred. Customers have a right to change their minds and do whatever they feel like with their funds after all!!!! I realize they have to comply with Federal regulations and I realize there are a lot of fraudsters causing havok on the internet however this is not okay to make honest people suffer for those bad actors. 

I need a quick resolution to this. I am distraught and feel like I transferred funds to a bunch of criminals at Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear CFPB Agency, It's quite a funny and frustrating experience that I have with the consumer reporting agencies ( XXXX, XXXX XXXX Equifax ), because when I first reported these inaccurate accounts to them, the XXXX ( XXXX ) of them bureaus have different reports and definitions of each account. The other one will declare that the account is current and the other will declare it Late or Missed payments. I disputed their reports because I did not remember having that account in the past and now, Equifax has changed their information to XXXX XXXX, from being current in XXXX switching to Late status in XXXX. If they claimed that they're reporting accuracy on my files, why do they have to switch and change information after I provided them the corrections and disputed the item?

They seemed not to be communicating with one another and not getting the correct information to one creditor, because they are reportingdifferent information. There also reported Collection accounts that I did not remember acquiring such alleged debts. They can't even validate the accuracy of it. I have never signed to this company either. So, I'm pondering on how they obtained this data and where did they get this. Sometimes I'm receiving notification that someone has run an inquiry on my account without my approval. This unfair practice makes me feel frustrated and upset. please help me delete these inaccuracies they are reporting.

Thank you.

Company response to consumer: Closed with non-monetary relief