vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name XXXX XXXX XXXX XXXX XXXX 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 2024-03-25 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Sect 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I got a {$5000.00} loan been four years and in total paid {$9600.00} and from this day I still owe them {$4500.00} which makes no sense

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: CA

Complaint narrative:
I am reaching out regarding the recent notice I received from your company. Your organization claims there is an outstanding debt, but I have no memory of owing any payments or dues to your entity. 

In accordance with the Fair Debt Collection Practices Act, I am requesting validation of the debt along with essential information before any further action is taken regarding payments. I am willing to fulfill the obligation under one condition : if you can furnish the following details pertaining to the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

It is crucial to note that I have already notified other bureaus about these accounts, resulting in their removal from their records due to identified errors. I find it perplexing that your organization has verified these accounts despite their removal by other bureaus. Hence, I am formally requesting the deletion of these inaccurate, erroneous, incomplete, or unverifiable accounts from my file. 

As the affected party, I am bewildered by the apparent disregard for legal compliance exhibited by your organization. Other bureaus have promptly acted upon my requests, leaving me puzzled as to why yours seems to be an exception. 

I kindly request a response to this letter within 30 days of receipt. Failure to do so will be interpreted as an acknowledgment of my dispute, and I expect the mentioned accounts to be promptly removed from your records.

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 2024-03-25 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: VA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in 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 non-monetary relief
Consumer complaint received 2024-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was reviewing my consumer report and noticed hard some inquiries that do not belong to me

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 2024-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Debt was sent to collections on XX/XX/23 during communication with the originator while disputing the charges due to not following landlord/ tenant rcws. Columbia debt recovery sent the amount to collections after mailed certified disputing the debt and asking for proof of verification with no response back. Postal service provided proof of delivery before the time limit was over to dispute and ask for proof. The account was sent to credit reporting agencys illegally and illegitimately. I have 20 documents showing correspondence and proof of following the legal course of actions without the other parties following the law per Washington state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 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: FL

Complaint narrative:
I had paid XXXX XXXX XXXX immediately the same day it showed up under my collections on Experian. XXXX said they would update my account and notify Experian that it had been paid in full and that it should be removed from Collections. They also said they would send me a statement in the mail of my closed paid in full account. As of today it is still incorrectly showing on my report. I notified Experian of this improper account, with proof of receipt. Experian although opened an investigation closed it out a few days later with no modifications, no message and no report, and no evidence as to why the account is remaining incorrectly. 

Experian is not following the rules and investigation Protocol under the consumer rights act. 

This account needs to be removed

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 2024-03-25 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: MO

Complaint narrative:
I am writing to express my ongoing frustration and disappointment regarding the unresolved fraudulent items on my credit report. Despite previous attempts to rectify this matter, the fraudulent entries persist, causing significant distress and financial harm. 

As outlined in my previous communications, I have diligently provided all necessary documentation and evidence to support my claims of fraudulent activity on my credit file. However, it appears that these efforts have been in vain, as the fraudulent items continue to tarnish my credit history and reputation. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes appropriate measures to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the steps being taken to address the fraudulent items and a timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I was forced to psy off the loan after my mom passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
We were scammed by a very sophisticated company disguising themselves both as XXXX and American Express. They put fraudulent charges on my American Express credit card from XXXX XXXX through XX/XX/XXXX. We notified American Express on XXXX XXXX as soon as we realized there were fraudulent charges. AMEX opened an investigation and assured us not to worry, we shouldn't be liable for the charges. My wife called about once a week after that as the charges were not removed, and they told us it was being investigated, not to worry, it would take XXXX days to complete an investigation. 

Finally I received an email from American Express on XX/XX/XXXX that said we are liable for the charges. I called American Express, and they said that they could not remove the charges because I had given my credit card number to the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
On XX/XX/2024 I deposited {$1000.00} from my checking account with XXXX into Robinhood via the app. Two days later I made a purchase of bitcoin which cost {$980.00}. The same night I made an attempt to transfer the bitcoin onto another broker. Immediately, the transaction failed, as Robinhood claims. I attempted to make this transaction again, although I was certain that everything was done correctly the first time. Again, Robinhood claimed that the transaction failed. My account was restricted immediately. I have had an account with Robinhood for years, purchased XXXX, but Id never had this issue. Saddened and shocked, I attempted to contact Robinhood support. When I finally spoke with them they told me that I needed to answer security questions in order for the issue to be resolved. They asked a series of questions and for photos of my bank statements. I complied with them and emailed the information. Since emailing them ive been left in limbo with no answers, no access to my money, and no answers from anyone. In fact, the app says that I will receive an update about my account restrictions the following day but when that day comes, the app just moves the account update to the following date. This has been happening since XX/XX/XXXX. It is now XX/XX/2024. I am convinced that they have no intention of updating me or giving me access to my funds. I am restricted from withdrawing my money but conveniently I am still able to deposit money. I have a total of {$1000.00} being held by Robinhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have a car loan through credit acceptance in my childrens dads name. I purchased the car in XXXX  and the buy out on the car is XXXX. My kids dad wants the loan out of his name so Ive been trying to refinance the vehicle, no one will refinance the loan because its not worth how much is owed on it. Im struggling paying on this car and Im  in a bad place with their dad currently and just need some positive to come from this situation.

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 2024-03-25 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: TN

Complaint narrative:
I am writing this complaint to the CFPB in regard to a notice of dispute that I have for EQUIFAX. I want to make sure that action is taken, and a response is given regarding inaccurate accounts reported in my consumer disclosure report from EQUIFAX. I want the accounts reinvestigated, and I want any unverifiable information removed from my consumer report with EQUIFAX. I have heard from other consumers that consumer reporting agencies have a bad habit of ignoring letters and I am ensuring it reaches EQUIFAX. In the documents attached all that is circled is the inaccurate I am referring to in my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Sect 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

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 2024-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently received a copy of my Equifax credit report, and I noticed some late payments posted on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-25 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: MO

Complaint narrative:
I am writing to express my ongoing frustration and disappointment regarding the unresolved fraudulent items on my credit report. Despite previous attempts to rectify this matter, the fraudulent entries persist, causing significant distress and financial harm. 

As outlined in my previous communications, I have diligently provided all necessary documentation and evidence to support my claims of fraudulent activity on my credit file. However, it appears that these efforts have been in vain, as the fraudulent items continue to tarnish my credit history and reputation. 

I demand immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that your team conducts a comprehensive review of the evidence provided and takes appropriate measures to rectify this egregious error. 

I expect a prompt response to this complaint, outlining the steps being taken to address the fraudulent items and a timeline for resolution. Additionally, I request regular updates on the progress of the investigation until this matter is satisfactorily resolved. 

Failure to take immediate and decisive action to rectify this situation will leave me with no choice but to escalate this matter to relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 2024-03-25 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: TX

Complaint narrative:
I have yet to receive documented confirmation or methods/procedures used to initiate these inquiries from XXXX - XX/XX/2023 ; XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023

Company response to consumer: Closed with explanation