vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Account Number Ending in XXXX, XXXX, XXXX, and XXXX Dear, I agree to pay the following financial obligation regarding account number in XXXX which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX Account Number Ending in XXXX, XXXX, XXXX, and XXXX AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 

The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Account Number Ending in XXXX, XXXX, XXXX, and XXXX Dear, I agree to pay the following financial obligation regarding account number in XXXX which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent certified mail return receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX XXXX Account Number Ending in XXXX, XXXX, XXXX, and XXXX AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 

The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX  number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 
Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX : XXXX / [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2024-11-17 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:
On the date of XXXX XXXX I requested via phone that Equifax send me a copy of my credit report due to website malfunction. I noticed on the requested report that Equifax has inaccurate personal information on my credit file. This information can be found Please review my request below. 

Please delete any other names you are reporting under your Identification ( Formerly Known As : ) section Please delete previous addresses you are Reporting under the Contact Information section with that status of former as they are inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX reported in XXXX and XXXX of XXXX  that I was late reported balance is {$13000.00}. 

XXXX XXXX reported in XXXX of 2024 that I was late on balance of {$25000.00}. 


In accordance with Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. My rights have been violated under this act and I have the right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection any consumer reporting agency can not furnish a consumer report without my written consent.

15 U.S.C. 1666b If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX  days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

A creditor may not treat a creditor may not treat a credit payment on an account as late to an open account for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: NV

Complaint narrative:
I am submitting this complaint due to a wrongly added XXXX  to my credit report. I was in the midst of getting ready to file XXXX with my state courts at one point but we canceled the paperwork and did not go through with it. I have many times over disputed in this inaccuracy on my credit report which each credit bureau XXXX, Transunion, and XXXX but each time they are saying that they verified is as accurate with the " creditor ''. I reached out to the court myself to verify that the XXXX  was not only inaccurate but they also informed me that they do not share any personal information such as XXXX with the credit bureaus even if i did file. Which in time I have noticed they have violated many of my consumer rights while also telling me that they will no longer be looking into the matter of my XXXX  because they did a second investigation with the creditor and marked it as verified.

15 USC 1681e ( b ) Accuracy of Credit Reports - states credit reporting agencies ( CRAs ) must ensure that the information on your credit report is accurate and up-to-
date. If a XXXX  is reported incorrectly ( e.g., wrong court, incorrect filing date, or discharge status ), you can dispute the error.

15 USC 1681i- Right to Dispute allows me as the consumer to challenge inaccurate and unverifiable information on my credit report which they are now not allowing but also wont tell me who they are verifying this information with. Which if it is as third party 15 USC 1681s-2 Responsibilities of Furnishers of Information - states Entities ( such as courts or creditors ) that provide information to CRAs must ensure its accuracy.

Consumer Notification of Reinvestigation Results- 15 USC 1681i ( a ) ( 6 ) If you dispute a XXXX  and the CRA reinvestigates, they must inform you of the results. If the CRA can not verify the bankruptcy with the court, they must remove it in which I have a letter directly from the clerk themselves telling me that don't share that information Which I will be attaching to this complaint. But lastly according to 15 USC 1681n and 1681o Civil Liability for Noncompliance I know I have the right to sue for damages, including Willful noncompliance : Actual damages, punitive damages, and attorneys fees & Negligent noncompliance : Actual damages and attorneys fees.

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 2024-11-17 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: NV

Complaint narrative:
I am submitting this complaint due to a wrongly added XXXX  to my credit report. I was in the midst of getting ready to file XXXX  with my state courts at one point but we canceled the paperwork and did not go through with it. I have many times over disputed in this inaccuracy on my credit report which each credit bureau XXXX, XXXX, and Equifax but each time they are saying that they verified is as accurate with the " creditor ''. I reached out to the court myself to verify that the XXXX  was not only inaccurate but they also informed me that they do not share any personal information such as XXXX with the credit bureaus even if i did file. Which in time I have noticed they have violated many of my consumer rights while also telling me that they will no longer be looking into the matter of my XXXX  because they did a second investigation with the creditor and marked it as verified.

15 USC 1681e ( b ) Accuracy of Credit Reports - states credit reporting agencies ( CRAs ) must ensure that the information on your credit report is accurate and up-to-date. If a XXXXXXXX  is reported incorrectly ( e.g., wrong court, incorrect filing date, or discharge status ), you can dispute the error.

15 USC 1681i- Right to Dispute allows me as the consumer to challenge inaccurate and unverifiable information on my credit report which they are now not allowing but also wont tell me who they are verifying this information with. Which if it is as third party 15 USC 1681s-2 Responsibilities of Furnishers of Information - states Entities ( such as courts or creditors ) that provide information to CRAs must ensure its accuracy.

Consumer Notification of Reinvestigation Results- 15 USC 1681i ( a ) ( 6 ) If you dispute a XXXX  and the CRA reinvestigates, they must inform you of the results. If the CRA can not verify the XXXX  with the court, they must remove it in which I have a letter directly from the clerk themselves telling me that don't share that information Which I will be attaching to this complaint. But lastly according to 15 USC 1681n and 1681o Civil Liability for Noncompliance I know I have the right to sue for damages, including Willful noncompliance : Actual damages, punitive damages, and attorneys fees & Negligent noncompliance : Actual damages and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
I transferred. my fiancee 's car payment over to my bank account by my debit card and my debit card only Ford Motor Credit was to take out a certain amount by automatic debit each month. My fiance. during COVID. did was excused for making payments as well as myself. and then after COVID the payments resumed myself. and my fiance agreed to pay a certain amount each month for credit and I had. it coming out of my bank account. This went along fine until somehow my fiancee missed a couple payments or something transpired. Anyways, the long and the short of it is that this month at the beginning of the month, actually on the XXXX it's supposed to be on the XXXX. Ford motor credit. emptied my account of XXXX plus dollars. I was never notified by the bank by the creditor or anyone in this matter. I have disputed it and asked that the payment be stopped and we will be in contact with Ford to get this resolved on Monday. There's no reason for this. So I will. get in contact with my bank first. thing Monday and hopefully we can get this thing resolved. 

Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: MA

Complaint narrative:
I AM A XXXX XXXX XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

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 2024-11-17 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2024-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The company is Navy Federal credit union. My credit report states that the amount of {$9000.00} was written off but I did not receive a form 1099-C.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: MA

Complaint narrative:
I AM A XXXX XXXX XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

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 2024-11-17 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Ive been contacting Robinhood to let me link my debits since its been issues. Keep saying try again in a few weeks when my money cant be move or invest. Theyre not helping or responding my questions to what being asked ( it doesnt matter if I use a different debit cards same issues ). Keep asking if I want to use a bank when I already added in my account, when Im trying make a deposits, it take 4-7 business days and Im on an upgraded plan with Robinhood gold membership with instant transfer for same day. Im paying {$5.00} a month no transfer, does that make sense????!!? Robinhood customer service are not professional with helping my problem with their investment app. I need answer. 
Stop saying within few weeks to help fix the transfer!! No I dont want to use my bank or close my account. Stop playing with my money Robinhood. Everyone else can transfer but I cant. Thats a discrimination against my rights. Contact Robinhood and tell them to unlock or open my transfer on my account. This is about deposit and transfer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-17 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX DATE : XXXX SSN : XXXX Dear Transunion I am writing in regard to the dispute I filed earlier this Month about a couple of accounts on my credit report. despite my request, the accounts remain on my credit report : XXXX : date closed XX/XX/XXXX XXXX : date closed XX/XX/XXXX XXXX/ XXXX  : date closed XX/XX/XXXX XXXX  XXXX  : date closed XX/XX/XXXX XXXX  : date opened XX/XX/XXXX XXXX : date opened XX/XX/XXXX Under the fair credit reporting Act ( FCRA ), I am requesting the method you used to verify the accuracy of these accounts. specifically, I request : The name and contact information of the party or parties you consulted to verify this information. 

A detailed explanation of the procedures you used to investigate and verify the accuracy of the disputed accounts. 

I trust you will provide this information in a timely manner, as required by the FCRA. If you can not verify this information, I request that the accounts in question be removed from my credit report immediately. 

Sincerely, 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