vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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: OH

Complaint narrative:
I am writing to formally dispute the bankruptcy information that you have reported regarding my credit file. Additionally, I would like to assert my rights under the Fair Credit Reporting Act ( FCRA ) and highlight serious concerns regarding violations of my consumer rights. Firstly, I wish to invoke my rights under 15 U.S.C. 1681 ( a ), which emphasizes the consumer 's right to privacy. The bankruptcy information you have on file has been reported without my consent, which constitutes a clear violation of my privacy rights. It is imperative that my personal information is handled with the utmost care and in accordance with consumer protection Secondly, as outlined in 15 U.S.C. 1681 ( b ), information can only be provided for permissible purposes and with written instruction from the consumer. I have not provided any consent for the release or use of my personal information related to any bankruptcy filings. Without a valid permissible purpose and my explicit written consent, the dissemination of this information is unlawful. Furthermore, according to 15 U.S.C. 1681 ( e ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I have reason to believe that the bankruptcy information in my report is inaccurate or outdated. I request an immediate investigation into this matter to validate the accuracy of the information reported and to ensure compliance with legal standards. As a consequence of these violations, I have filed a complaint with the Attorney General 's office regarding the unauthorized use of my personal information and the failure to uphold consumer rights in this matter. I expect a thorough review of my dispute and a prompt response detailing the results of your investigation. 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 2025-01-02 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:
This morning, I saw some wrong accounts on my credit report, and Im completely lost as to why theyre there. Ive always checked it before, but now, for some reason, these discrepancies popped up out of nowhere. I tried refreshing my browser, thinking it was a mistake, but it didnt fix anything. Please, Im begging you to look over the documents I sent so I can stop stressing about this once and for all.

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 2025-01-02 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: IL

Complaint narrative:
I submitted my identity theft reports to Experian, XXXX, and XXXX and they are still reporting the inaccurate information. As well as some of the collection agencies are harassing me including XXXX XXXX XXXX XXXX I submitted the disputes and the documentation at the beginning of 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 2025-01-02 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: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
I have been impacted by the recent data breaches and my information has been compromised. I noticed a bit ago there was a fraudulent account being reported. The fraudulent account in question is a XXXXXXXX XXXX XXXX XXXXnt. I have tried requesting a deletion of the account however, they have been reluctant to do so. Under Section 609 of the FCRA, I request that this account is removed from the listed credit bureaus, as it is a result of fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
I have been impacted by the recent data breaches and my information has been compromised. I noticed a bit ago there was a fraudulent account being reported. The fraudulent account in question is a XXXX XXXX XXXX account. I have tried requesting a deletion of the account however, they have been reluctant to do so. Under Section XXXX of the FCRA, I request that this account is removed from the listed credit bureaus, as it is a result of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: ID

Complaint narrative:
I transferred money from my personal debit card to Robin Hood and robinhood proceeds to restrict my account. Asked me to provide documents proving my identity and bank statements, which I fully provided. They have not answered and cant be reached. Everyday the deadline keeps getting extended. Their online system doesnt handle any live chat or phone support. Ive been waiting for 5 days for a callback and no one ever is returning my requested callback. Ive researched online and it seems on XXXX forums its posted detailing about the same examples that happened to me. XXXX just shocked that a company can operate without any live support. Ive been a customer for over 4 years. 

My pictures will show you that Ive been waiting for a callback for many days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: Skopos Financial, LLC
State: FL

Complaint narrative:
Reprise Financial XXXX XXXX XXXX XXXX, TX XXXX RE : Inaccurate Reporting on Credit Reports ( Account No. [ Account XXXX ] ) Dear Reprise Financial, I am writing to dispute inaccurate information you have reported to the credit bureaus regarding the above account. Despite my payment of [ state amount and date ], you continue to report an incorrect balance and/or collection status, which violates the Fair Credit Reporting Act ( FCRA ). 

Specifically, under : - 15 U.S. Code 1681e ( b ) : The information reported must be accurate.

- 15 U.S. Code 1681s-2 ( a ) : You are required to update account statuses accurately.

I request you investigate this matter and provide documentation verifying the current balance and payment status. Additionally, please update the credit bureaus to reflect the accurate information or delete the account entirely if verification can not be provided.

Failure to comply with federal laws may result in further action.

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 2025-01-03 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:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
A duplicate auto-payment was taken out on XX/XX/year> when I had already been charged on XX/XX/year>. I spoke with MOHELA on XX/XX/year> and was told this was an accident on their end, which would be refunded. I was told it would take up to 90 days to receive this refund. It's now been 174 days and the refund has not yet been processed. I've spoken with MOHELA 7 times since then, including today, for which I was on hold for XXXX hours without resolution. After speaking with XXXX different individuals today, I was told they needed to transfer me to a second supervisor and then was disconnected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: IL

Complaint narrative:
Hello, I am requesting an investigation into these accounts, as there appears to be confusion about their accuracy on my credit report. These accounts were removed previously but have been added back without my awareness. I was not notified of their return and have not received any mail regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
My account with XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: TX

Complaint narrative:
According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRA ) block the reporting of information on their credit report that was the result of identity theft. Because of the Data Breach, my information has been found on the dark web causing several FRAUDULENT ACCOUNTS on my consumer report. 
XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 
XXXX XXXX XXXX... PROMOTES THE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRA ) block the reporting of information on their credit report that was the result of identity theft. Because of the Data Breach, my information has been found on the dark web causing several FRAUDULENT ACCOUNTS on my consumer report. 
XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report.

15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS AND PRIVACY OF PERSONAL INFORMATION..

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 2025-01-02 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : ** Request for Investigation and Removal of Inaccurate Information Under the FCRA Dear TransUnion Consumer Solutions , I am writing to formally dispute certain inaccurate, outdated, or unverifiable items on my credit report. These items are listed below, and I am requesting that they be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXXAccounts in Violation of FCRAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Account XXXX XXXX XXXX XXXX XXXX XXXXIssue : XXXX  This account shows delinquency beginning XX/XX/XXXX, but it is scheduled to remain until XX/XX/XXXX. This exceeds the FCRA 's seven-year reporting limit for negative information. 
- **Requested Action : ** Remove this account from my credit report. 

XXXX. **Account Name/Number : XXXX XXXXXXXX ( Account Ending XXXX ) ** - **Issue : ** The account status was disputed and updated without independent verification. FCRA Section XXXX mandates that disputed information be verified independently or removed. 
- **Requested Action : ** Remove this unverified item unless full documentation can be provided. 

XXXX. **Unauthorized XXXX XXXX - XXXX : ** My report lists inquiries by [ e.g., XXXX ] and other entities that I did not authorize. 
- **Requested Action : ** Remove all unauthorized inquiries unless documentation of my consent is provided. 

XXXX XXXX XXXX  Supporting Information : I have enclosed a copy of my credit report highlighting the disputed items, as well as any supporting documents that may assist your investigation. 

XXXX XXXX XXXX Legal Obligations Under the FCRA : As mandated by the FCRA, you are required to : XXXX. Investigate my dispute and respond within 30 days. 
XXXX. Remove or correct inaccurate, outdated, or unverified information. 
XXXX. Provide written confirmation of your investigation and resolution. 

Failure to comply with these requirements may result in legal action for violations of my rights under the FCRA. 

XXXX XXXX XXXX  Requested Resolution : Please remove the identified items from my credit report and provide me with an updated copy reflecting these corrections. 

Thank you for your prompt attention to this matter. I look forward to your response within the legally required timeframe. 

Sincerely, [ XXXX XXXX ] **Attachments : ** - Copy of credit report with disputed items highlighted - Supporting documents

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 2025-01-02 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: MD

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments 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 non-monetary relief