vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
My Robinhood account was placed on restricted approximately 2 weeks ago. I used the app/site support to request a call/virtual chat. I never received a call or chat and now can not email or talk to the company. I sent forth the requested information to unrestricted my account and still have heard nothing. I use this account to pay bills and now do not have access to it or the funds because the company simply will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEMS Amount XXXX Date - XX/XX/XXXX XXXXXXXX  This is not my collection debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally file a complaint and seek assistance regarding a data breach that recently exposed my personal information. I am deeply concerned about this breach and its potential impact on my privacy and financial security. 

Specifically, I have been informed that my personal financial data, which is protected under the Fair Credit Reporting Act ( FCRA ), was compromised during the data breach. The exposed information includes personal demographic information, financial history, credit, etc. 

According to the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I understand that consumer reporting agencies and any entities collecting and sharing consumer information are required to maintain strict safeguards to protect the privacy and security of personal data. Under 15 U.S.C. 1681b, entities must take steps to prevent unauthorized access and disclosure of such sensitive information. 

Given the circumstances, I request that the Consumer Financial Protection Bureau take the following actions : Investigate the circumstances surrounding the data breach to determine whether any laws under the FCRA were violated. 
Remove all collection, bankruptcy, charge-off, and late payments from my credit report as my identity has been compromised Ensure that the responsible party takes appropriate remedial actions, including notifying affected individuals in accordance with applicable state and federal laws. 
Provide guidance and support on the steps I can take to protect my identity and financial information moving forward. 

I believe that the exposure of personal data through this breach constitutes a serious violation of my rights to privacy under the FCRA, and I trust that the CFPB will take the necessary steps to ensure that consumer protections are upheld in this matter. 

Please let me know how I should proceed or if any additional documentation or information is required from me to assist in the investigation. Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-01-06 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Complaint to the CFPB Subject : Request to Correct Credit Report Utilization, Update Accounts to Paid as Agreed, Address Reporting Fraud, and Process Opt-Out Dear CFPB Representative, I am submitting this complaint regarding inaccuracies and potentially fraudulent reporting practices that negatively affect my credit utilization and overall account status. I respectfully request corrections under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. 


Accounts Organized by Credit Bureau XXXX XXXX. XXXX XXXX ( Account Number : XXXX ) : * Status : Authorized User, Active/Open. 
Current Balance : {$260.00}. 
Request : Update status to Paid as Agreed and ensure proper utilization reporting. 
Violation : Under 15 U.S.C. 1681s-2 ( a ) and 12 CFR 1022.42, furnishers of credit information must provide accurate data. Reporting incorrect balances or utilization on active accounts constitutes negligence and affects my credit profile. 
2. XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : Status : Transferred to another lender. 
Original Balance : {$11000.00}. 
Request : Update to Paid as Agreed and remove any derogatory remarks. 

Violation : 15 U.S.C. 1681e ( b ) and 12 CFR 1022.130 mandate accurate and timely updates to account statuses. Reporting transferred accounts with derogatory marks misrepresents the status and violates the requirement for maximum accuracy. 


XXXX XXXX. XXXX XXXX  Auto Loan ( Account Number : XXXX ) : ** Status : Involuntary Repossession. 
Balance : {$5700.00}. 
Request : Remove the derogatory repossession status and update as appropriate under opt-out rights. 
Violation : 15 U.S.C. 1681c ( a ) ( 4 ) and 12 CFR 1022.1 ( c ) prohibit the inclusion of inaccurate derogatory marks in reports. Reporting the repossession inaccurately or in perpetuity constitutes fraud and damages my financial standing. 
XXXX. Portfolio Recovery ( Account Number : XXXX ) : ** Status : Charge-Off/Collection. 
Balance : {$260.00}. 
Request : Remove the charge-off status and opt out of improper derogatory reporting. 

Violation : 15 U.S.C. 1681b ( e ) and 12 CFR 1022.43 provide consumers the right to opt out of reporting practices and dispute inaccuracies. The charge-off reporting fails to meet accuracy standards and perpetuates harm. 


XXXX XXXX. Portfolio Recovery ( Account Number : XXXX ) : ** Status : Charge-Off/Collection.

Balance : {$260.00}. 
Request : Remove the charge-off status and opt out of improper derogatory reporting. 

Violation : The same violations as above apply ( 15 U.S.C. 1681b ( e ) and 12 CFR 1022.43 ) for opting out and disputing inaccurate charge-off entries that damage my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im 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 explanation
Consumer complaint received 2025-01-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
To Whom It May Concern ], This letter serves as formal notice that you must immediately cease and desist from engaging in the following activities that are in violation of my rights " According to FCRA Section 605B it is illegal to report anthing on my credit report without my permission This conduct has caused and continues to cause harm, including but not limited to [ my credit not allowing me to do for my family Demand I demand that you immediately : 1. Cease and desist from my credit report Failure to comply with this demand may result in legal action, including but not limited to seeking damages, injunctive relief, and attorneys fees. Please govern yourself accordingly, as this letter serves as your final warning before legal proceedings commence. 

Reservation of Rights I reserve all rights to pursue any and all remedies available under applicable law. 

No Waiver This letter should not be construed as a waiver of any rights or remedies, all of which are expressly reserved. 

If you have any questions regarding this matter or wish to resolve it amicably, you may contact me this is the letter I sent and they did nothing to fix the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: NC

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im 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 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has XXXX  impacted my reputation, and Im 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 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 2025-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: SC

Complaint narrative:
Service Mac ( SM ) serviced my loan from XX/XX/XXXX XX/XX/XXXX on behalf of XXXX XXXX. On XX/XX/XXXX, I advised SXXXX to not pay any invoices from XXXX for homeowner policy XXXX XXXX the amount of {$5200.00}. I advised that I had secured insurance coverage through XXXX XXXX. The XXXX invoice should be paid. XXXX on either policy didn't become effective until XX/XX/XXXX. I was advised that SM would not pay the XXXX XXXX invoice but would pay the XXXX invoice. 

Without my knowledge and contrary to the representations above, SM in fact paid both the XXXX XXXX AND XXXX invoices. SM failed to advise me of the XXXX XXXX payment that I expressly did not authorize. 

SM subsequently advised : We have completed our research and determined an error occurred. Upon further review, you spoke with our XXXX Department on XX/XX/XXXX, advising us that you changed your homeowners insurance company from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] to XXXX XXXX XXXX and to not issue a payment ; however, a payment in the amount of {$5200.00} was already pending due to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  sending us a renewal on XX/XX/XXXX. Per our policy, we pay XXXX month in advance, but during this phone call, it was not communicated to you at that time that there was a pending payment. 

I didn't become aware of the improper payment to XXXX XXXX until after XX/XX/XXXX at which time I requested that the policy be cancelled flat since coverage was in effect at all times through XXXX. XXXX XXXX refused to cancel flat but reimbursed {$900.00} as a partial refund / cancellation. 

SM is responsible for reimbursing me or my escrow account the difference, {$4300.00} for its unauthorized escrow payment to XXXX XXXX / improper failure to notify me that payment had been made despite the fact that SM represented that no payment would be made to XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Transunion Representatives, I am writing to demand the immediate removal of XXXX ( XXXX ) inaccurate and unverifiable accounts from my credit report. I submitted a dispute on XX/XX/XXXX, and it is now XX/XX/XXXX. Your failure to resolve this dispute within the legally mandated XXXX timeframe is a clear violation of the Fair Credit Reporting Act ( FCRA ) 1681i.

Under FCRA 1681i, you are required to complete your investigation within 30 days unless additional information is provided during that period. I have not submitted any new information since my initial dispute, which included the following documentation : A notarized affidavit confirming my identity. 
A Federal Trade Commission ( FTC ) report. 
A copy of my government-issued ID. 

The accounts in question are inaccurate, unverifiable, and harm my financial standing. Despite having sufficient time and the necessary documentation to conduct a thorough investigation, XXXX has failed to comply with federal timelines and has perpetuated the damage caused by these erroneous entries.

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 2025-01-06 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
I am writing to formally request verification of the following accounts that appear on my credit report, as allowed under Section 609 of the Fair Credit Reporting Act ( FCRA ). The information below appears to be inaccurate, and I am requesting proof of verification to support its continued presence on my credit report : As per FCRA 609, I am requesting copies of any contracts or agreements that you have on file that demonstrate my responsibility for these debts. If you are unable to provide the necessary verification documents, I request that these items be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2025-01-06 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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 explanation
Consumer complaint received 2025-01-06 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation