vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate credit reporting by Experian and XXXX. I previously disputed an account appearing on my credit reports with all three major credit reporting agencies ( XXXX, Experian, and XXXX ). After their investigation, XXXX removed the disputed account entirely, confirming that it was either inaccurate or unverifiable. However, despite having provided the same supporting information, Experian and XXXX continue to report this account. 

Account Details : Name of Creditor/Account Holder : XXXX XXXX XXXX  Account Number : XXXX XXXX [ XXXX ] and XXXX [ Experian ] Summary of the Issue : I requested that XXXX, Experian, and XXXX investigate and verify the accuracy of the above-referenced account. After completing their investigation, XXXX removed the account from my report, acknowledging that the information could not be verified or was inaccurate. 

Despite having received the same dispute request and supporting documentation, Experian and XXXX have refused to remove or correct the account. Their inaction and continued reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy of the information they report and to correct or delete any information that is found to be incomplete, inaccurate, or unverifiable. 

Impact on Me : This inaccurate reporting is negatively impacting my credit scores and my ability to secure financial products at fair terms. I have made good-faith efforts to resolve this matter directly with Experian and XXXX, but they continue to report false or unverifiable information. 

Relief Requested : I request that the CFPB investigate this matter and compel Experian and XXXX to : Permanently remove the inaccurate and unverifiable account from my credit reports. 
Re-verify that all information reflected on my credit reports is accurate and up-to-date. 
Provide a written confirmation of these corrections to me. 

I have attached copies of my supporting documentation, including the response from XXXX confirming removal, and recent credit reports from Experian and XXXX showing that the incorrect account remains. 

Thank you for your prompt attention to this matter. I trust that the CFPB will help ensure that my consumer rights under the FCRA are protected.

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 2024-12-13 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: EQUIFAX, INC.
State: OH

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 : 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 2024-12-13 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: FL

Complaint narrative:
discovered discrepancies in my credit report related to late payments. These are inconsistent with my regular payment habits. Please correct these errors and update my account. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After reviewing my latest credit report, I noticed several accounts that appear to have been added without my authorization. Please investigate these accounts and remove them as they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good evening my issue with the reporting system is that the information is not accurate with dates balance opening of account and closing of 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 non-monetary relief
Consumer complaint received 2024-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Good evening my issue with the reporting system is that the information is not accurate with dates balance opening of account and closing of accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: Block, Inc.
State: TX

Complaint narrative:
There is three transactions I did not authorize. I was only able to complain about one. And not the other two. But even for the first one I barely got any information back on whats going to be done. 
On XX/XX/XXXX I was charged {$51.00} and {$20.00} from XXXX. And XXXX from XXXX. I did not authorize these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: VA

Complaint narrative:
I am filing a complaint against Receivable Management Alleged Original Creditor XXXX XXXX regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with attempts to collect on a debt governed by an arbitration clause. The alleged original contract, which was originated by XXXX XXXX, includes an arbitration clause that requires any disputes related to the debt to be resolved through arbitration, not through traditional debt collection methods. Despite this, Receivable Management, acting on behalf of XXXX XXXX, has continued to pursue collection efforts without adhering to the terms of the arbitration agreement. 
In addition to failing to respect the arbitration clause, Receivable Management has also violated the FDCPA by failing to properly verify the debt in accordance with 15 USC 1692g. The FDCPA mandates that debt collectors provide adequate verification of the debt within five days of their initial communication. Receivable Management has not provided proper verification or the necessary documentation to comply with the debt validation requirements outlined in the FDCPA. 
As such, Receivable Management has violated my consumer rights by continuing collection efforts despite the debt being subject to arbitration, and by failing to verify the debt as required under 15 USC 1692g. These actions mirror violations identified in previous case law. For example, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court ruled that the debt collector violated the FDCPA by continuing collection efforts without providing proper debt verification. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court found that the debt collector failed to provide the proper documentation necessary for debt verification under the FDCPA. 
I request that the CFPB investigate this matter and ensure that XXXX XXXX and Receivable Management cease all collection efforts until they properly verify the debt and adhere to the arbitration clause outlined in the original contract that was originated by XXXX XXXX. I further request that Receivable Management be held accountable for their violations of consumer protection laws under the FDCPA, and that XXXX XXXX be investigated for their failure to ensure compliance with the arbitration provision in their agreement. Cease and desist all communication. All communication including reporting to 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 2024-12-12 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: PA

Complaint narrative:
Transunion, along with the two other Credit Reporting Agencies are reporting inaccurate and inconsistent information to my consumer report. FCRA states any information needs to be 100 % accurate.

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 2024-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
My information has been impacted and compromised by the current XXXX  an XXXX data breaches. I believe that my information may have got into the wrong hands and again compromised. I have contacted all credit bureaus and been trying to rectify this.

According to the Fair Credit Reporting Act 15 us code 1692c/g it is my right to have fair and accurate credit report. This information is very damaging to my report. Please investigate and delete the below accounts listed on my credit reports. Listed below. 

XX/XX/scrub>XXXX XXXX XXXX ( closed account ) XXXX balance owed XX/XX/scrub>XXXX XXXXXXXX outstanding XXXX balance owed XX/XX/year> XXXX XXXX XXXX balance owed XX/XX/year>XXXX  XXXX XXXX XXXX chargeoff XXXX balance owned XX/XX/year>XXXX  XXXX XXXX XXXX Collections/chargeoff Paid/ XXXX balance owed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. I clearly identified the accounts in question and outlined the violations they are making to my consumer report. Over 30 days have passed, and they have not provided any response. Attached are copies of all correspondence sent. 

This company is in violation of FCRA 623 ( a ) ( b ) for not marking the disputed account as disputed.

Additionally, there has been a violation of FCRA 605 ( c ), as the date of last activity is being reported incorrectly, when it should reflect the date of the last payment made.

This company continues to fail to validate this collection account, further breaching FDCPA 809 ( b ) as per the FTC 's opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-13 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: NJ

Complaint narrative:
I requested a transfer of assets from my Robin Hood account to XXXX on XX/XX/year>. On XX/XX/year> I was denied and my account was restricted with Robinhood. They told me they needed my bank statements and ID verification. I sent them my ID verification and on the website and app I cant upload my bank statements. I requested a call on XX/XX/year>XXXX  and didnt receive a call back until XX/XX/year>. The representative was not helpful, took my information and said his team was going to follow up on it. Today I logged in on my app and it is still requesting more info that it wont let me submit. Robinhood is holding my funds hostage when they had no problem in the past taking my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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. 

As you can clearly see with my attachments, your agency is reporting illegally on my credit file. I am prepared to sue you asap If you do not delete these two erroneous accounts off of my credit file immediately as there is NO BANKRUPTCY being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2024-12-13 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:
Despite two requests for debt validation submitted through the CFPB, XXXX XXXX XXXX has failed to provide the required documentation to substantiate their claim and validate the alleged debt. They continue to report this unvalidated debt to consumer reporting agenciesTransUnion, XXXX, and XXXX violation of federal law. Please see attached.

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 2024-12-13 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: FL

Complaint narrative:
Despite two requests for debt validation submitted through the CFPB, XXXX XXXX XXXX has failed to provide the required documentation to substantiate their claim and validate the alleged debt. They continue to report this unvalidated debt to consumer reporting agenciesXXXX XXXXXXXX, and Experianin violation of federal law. Please see attached.

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 2024-12-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield XXXX XXXX is attempting to collect on behalf of XXXX XXXX XXXX, an erroneously reporting a collection debt on a property that I vacated. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act it is my understanding that inaccurate data must be removed from XXXX, XXXX, XXXX. I vacated the property on XX/XX/year> and that was confirmed by XXXX XXXX XXXX. All of these charges supposedly took place after that date and are fraudulently being reported on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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:
Equifax is reporting my name wrong and I have written them multiple letters with a copy of my social security care and utility bill and still they refuse to correct my name : Correct : XXXX XXXX XXXX Incorrect : XXXX XXXX XXXX XXXX I have made multiple requests for removal without proof that I gave permission to share my information and there has not been any activity to rectify the issue. No proof that I gave permission nor removal, per 15 U.S.C. 1681b. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: DC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-13 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: DC

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$730.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/year>

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 2024-12-13 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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