vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies in the reporting of Account # XXXX, originally associated with XXXX which appears on my credit report. Upon reviewing the reports from XXXX, XXXX, and Equifax, I have identified several discrepancies and FCRA violations that require immediate correction. 

Specific Violations and Issues : Inconsistent Reporting Across Credit Bureaus : Key details of this account, including the Date of Last Activity, Date Opened, and Account Status, vary across the credit bureaus. These inconsistencies violate the FCRAs requirement for accurate and consistent reporting. 
Failure to Accurately Reflect Transfer to Another Lender : XXXX lists the account as " Transferred to another lender, '' while XXXX and Equifax do not include this information. If the account has been transferred, all credit bureaus must accurately reflect this status. 
Misrepresentation of Account Status : The account is reported as " Indeterminate '' for its status, which is vague and misleading. FCRA requires clear and accurate reporting of account statuses, such as " Closed, '' " Settled, '' or " Transferred. '' Misrepresentation of Payment and Balance Information : While the balance is reported as {$0.00} on all three reports, XXXX describes the account as " Charged off as bad debt, '' while XXXX lists it as " Charge-off, Transferred to another lender. '' This inconsistency suggests inaccuracies in how the account 's resolution is being reported. 

Requested Action : I demand the following actions to bring this account into compliance with FCRA requirements : Correct all inconsistencies in the account details, including dates, status, and remarks, across all credit bureaus. 

Update the account to clearly reflect its status as " Transferred, '' " Closed, '' or another definitive status. 

Ensure the reporting aligns with FCRA standards for accuracy and clarity, particularly regarding the transfer of the account to another lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I would like to request a review and update all my credit reports in accordance with the information reported by Experian, XXXX, and XXXX. As of XX/XX/year>, XXXX have reported that i have no late payments on my account. I kindly ask that you update my credit report to reflect this accurate information, as it should align with the reporting provided by the above-mentioned agency. Please ensure that my credit file accurately reflects that I have not had any late payments and update it accordingly.

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 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Company refused to take any action with this fraudulent application and Im forced to pay interest on a fraudulent credit card out of my pocket and I have no clue where these charges coming from. I paying because I dont want my credit report to mess up. I dont have this credit card at my home address never used it and I have no clue where these charges are from. Company refused to dispute these charges and the account. And they charged me tons of interest and wont do a thing. They wont send me statements of where these charges are from

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information.

Thank you for your prompt attention to these matters.

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
In XX/XX/XXXX, I sent a certified letter to Lendmark Financial Services, LLC, requesting a settlement of disputed loan balances for two accounts : a XXXX XXXX XXXX loan and a XXXX XXXX XXXX loan. The letter detailed violations of Georgia usury laws and federal fair credit standards, demanding debt dismissal, compensation for financial harm, and proof of a properly recorded XXXX for the XXXX loan. Despite receiving my letter ( tracking receipt attached ), Lendmark has failed to respond. 

Instead, Lendmark continues aggressive collection attempts, including phone calls and credit reporting, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The XXXX loan imposes a 128.3 % interest rate, exceeding legal caps under Georgia law, rendering the loan potentially unenforceable. 

Lendmarks actions have caused financial hardship, as the negative credit reporting has hindered my ability to secure a mortgage. Their lack of response to the settlement demand and continued predatory practices warrant CFPB investigation and enforcement. 

-- - Feel free to adapt this submission further or include specific details of collection attempts if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-11-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

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 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 2024-11-23 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: MI

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-11-23 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: NJ

Complaint narrative:
I requested a XXXX from XXXX XXXX bank after my account was closed and charged off XX/XX/year>. 
I received no response from XXXX XXXX bank directly. 
I later received documents threatening to sue me in XXXX XXXX XXXX NJ by XXXX, XXXX and XXXX XXXX ( XXXX ). 
This account has been charged off/written off by XXXX XXXX XXXX XXXX 
All three Credit Bureaus XXXX XXXX, XXXX, Transunion ) are each reporting an open balance on my credit report. 
Each time I call XXXX XXXXXXXX, I'm directed to XXXX, I spoke with XXXX XXXX who's overseeing this particular account. 
I, XXXX, have asked XXXX XXXX for the XXXX form. 
As well as Validation of debt under title XXXX XXXX XXXX XXXX. 
I want to see the chain of title that they have to collect on this debt. 
Proof that the statute of Limitations has not expired. 
Proof that they're licensed to collect in the state of New Jersey, and their license number and reregistration agent. 
Also, has there been any insurance claim found on this debt payment?

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 2024-11-23 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: NJ

Complaint narrative:
I requested a XXXX from XXXX XXXX bank after my account was closed and charged off XX/XX/scrub>XXXX

I received no response from XXXX XXXX bank directly. 
I later received documents threatening to sue me in XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX XXXX ( XXXX ). 
This account has been charged off/written off by XXXX XXXXXXXX XXXX XXXX 
All three Credit Bureaus ( Equifax, XXXX, XXXX ) are each reporting an open balance on my credit report. 
Each time I call Captial XXXX, I'm directed to XXXX, I spoke with XXXX XXXX who's overseeing this particular account. 
I, Too, have asked XXXX XXXX for the XXXX form. 
As well as Validation of debt under title XXXX XXXX XXXX XXXX. 
I want to see the chain of title that they have to collect on this debt. 
Proof that the statute of Limitations has not expired. 
Proof that they're licensed to collect in the state of New Jersey, and their license number and reregistration agent. 
Also, has there been any insurance claim found on this debt payment?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I requested a XXXX from XXXX XXXX bank after my account was closed and charged off XX/XX/scrub>XXXX 
I received no response from XXXX XXXX XXXX directly. 
I later received documents threatening to sue me in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ( XXXX ). 
This account has been charged off/written off by XXXX XXXX XXXX XXXX 
All three Credit Bureaus XXXX XXXX, Experian, XXXX ) are each reporting an open balance on my credit report. 
Each time I call XXXX XXXXXXXX, I'm directed to XXXX, I spoke with XXXX XXXX who's overseeing this particular account. 
I, Too, have asked XXXX XXXX for the XXXX form. 
As well as Validation of debt under title XXXX XXXX XXXX XXXX. 
I want to see the chain of title that they have to collect on this debt. 
Proof that the statute of Limitations has not expired. 
Proof that they're licensed to collect in the state of New Jersey, and their license number and reregistration agent. 
Also, has there been any insurance claim found on this debt payment?

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 2024-11-23 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: TX

Complaint narrative:
Its outrageous that accounts in litigation are still on my credit report, damaging my XXXX XXXX due to your inaction. Ive reached out repeatedly to correct this error, yet no action has been taken.

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 2024-11-23 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 explanation
Consumer complaint received 2024-11-23 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: Experian Information Solutions 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 Im 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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 not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX XXXX XXXX balance {$520.00}, XXXX XXXX XXXXXXXX balance {$130.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$4100.00}, XXXX balance {$950.00}, XXXX XXXX XXXX balance {$270.00}, XXXX XXXX XXXX {$0.00}.

Company response to consumer: Closed with non-monetary relief