vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I have asked on numerous occasions via phone and email for a signed copy of the original contract, itemized payment history, and proof of right to collect. The company has only provided me a final bill and directs me to call the original creditor. I requested these things, XXXX, XX/XX/XXXX, and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XX/XX/XXXX I deposited {$120.00} at my Robinhood account with intention to send XXXX to my other wallet to trade Once I deposited the money I tried to send them and got an error message, that account is restricted and under reviews, that will be finished until XX/XX/XXXX XX/XX/XXXX I checked if my account been reactivated but they just postpone the date until XXXX XX/XX/XXXX Same they just postpone until XXXX They do not answer on my messages They requested bank statements, photo and even SSN! I sent them everything through the Robinhood app. But I got no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-12-17 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: TX

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach - 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have appeared on my credit report. In accordance with 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit file. These accounts and inquiries were opened due to unauthorized access to my personal information. 
Accounts to be Blocked and Deleted 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 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 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 2024-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: FL

Complaint narrative:
i spoke with them about a medical bill and the insurance company did pay, but there was a balance and I asked if I could make payments at hospital they said yes and some kind of way a collection company threaten me about XXXX dollars when in reality my insurance did pay XXXX and I have to have emergency XXXX to my XXXX  and was wondering why my score was so low and AR Resources had went ahead and placed me in collections so I settled with them regardless because I must have XXXX to my XXXX  and will need to use some of my credit with insurance this month because next year the insurance will not help anymore with this type of producure for those with XXXX so I have had this screws since XX/XX/year> in my XXXX  and constant pain and XXXX with XXXX.So I paid because I didn't have time to get proof from the bank in time to maintain my credit score to get the procedure. PLEASE I NEED THIS OFF OF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America, XXXX XXXX and XXXX have allow people to open up frozen accounts in my name and when I contact them they treat me like I'm the criminal also 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 2024-12-17 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: CARVANT FINANCIAL LLC
State: VA

Complaint narrative:
these deletions.

4. Notify me in writing of the results of your investigation.

Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) or legal action to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: TX

Complaint narrative:
There are inaccurate inquiries on my credit XXXX Credit Report that do not belong there : XXXX  - XX/XX/year> Also, please note that my name is listed incorrectly on my XXXX credit report. My name should be listed as XXXX XXXX XXXX. Please remove the shortened form of my name " XXXX XXXX XXXX '' from my XXXX credit report as well as the name " XXXX XXXX '' from my XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: OK

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: OK

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 explanation
Consumer complaint received 2024-12-17 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:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report.

The fraudulent account I request to be removed is as follows : 1. Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/year> o Amount : {$00.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report.

The fraudulent account I request to be removed is as follows : 1. Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/year> o Amount : {$00.00}

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 2024-12-17 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: MS

Complaint narrative:
XXXX XXXX is reporting a charge off on my file to XXXX, Equifax and XXXX. 

On the account, the date of last payment is reporting XX/XX/XXXX for XXXX and XXXX and XX/XX/XXXX for Equifax this is an inconsistency, inaccuracy on my credit profile. Because I am entitled to maximum possible accuracy I would like this account verified and either properly corrected or promptly deleted per Fcra 15 u.s.c 1681i Additionally, promptly notify the data furnisher within 5 days of receiving this dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MS

Complaint narrative:
XXXX XXXX is reporting a charge off on my file to transunion, XXXX and Experian. 

On the account, the date of last payment is reporting XX/XX/XXXX for XXXX and Experian and XX/XX/XXXX for XXXX this is an inconsistency, inaccuracy on my credit profile. Because I am entitled to maximum possible accuracy I would like this account verified and either properly corrected or promptly deleted per Fcra 15 u.s.c 1681i Additionally, promptly notify the data furnisher within 5 days of receiving this dispute

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 2024-12-17 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: PA

Complaint narrative:
Inquiries XXXX XX/XX/year> XXXXXXXX XXXX  XXXX XX/XX/year> I have already called and spoke with them and they told me that they updated and fixed my profile in which they did not and its violating my rights and is purposely fraudulent because they are reporting inaccurate info that can damage my report. Please remove all inquiries that is not approve by 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 2024-12-17 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: SC

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 2024-12-17 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence, 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 ) XXXX XXXX balance {$450000.00}, XXXX  balance {$250.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX  XXXX XXXX XXXX {$3100.00}, XXXX XXXX balance {$18000.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence, 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 ) XXXX XXXX balance {$450000.00}, XXXX  balance {$250.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$3100.00}, XXXX XXXX balance {$18000.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX XXXX XXXX balance {$540.00}.

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 2024-12-17 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: MN

Complaint narrative:
I am filing this complaint regarding multiple violations of my rights by XXXX, XXXX, XXXX and TransUnion for violating my rights under the Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ) which have resulted in inaccurate reporting of my credit information and the unauthorized disclosure of personal data. I believe these violations are in breach of the Fair Credit Reporting Act ( FCRA ) and other privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

1. Violation of FCRA Unauthorized Reporting of Bankruptcy ( 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ) ) My XXXX XXXX bankruptcy was
reported to the credit agencies without my authorization. According to FCRA regulations, consumer consent is required to report information of this nature. I did not provide consent to the reporting of my bankruptcy, nor was I informed of my right to opt-out as required under 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ).

2. Violation of FCRA Failure to Remove Charged-Off Accounts ( 15 USC 1681e ) The charged-off accounts reported on my credit file have not been accurately reported, and I request that these accounts be completely removed and deleted from my credit report. These accounts have been repeatedly updated every month as charged-off, which falsely manipulates the statute of limitations. A charged-off account should not include an active payment history. The inclusion of a payment history for charged-off accounts is inaccurate and misrepresents the status of these accounts. This negligent reporting violates my rights under FCRA regulations, which require accurate reporting and timely investigation.

3. Violation of Financial Privacy Laws ( 15 USC 6801 ) I am concerned that my financial privacy has been violated, as personal information regarding my bankruptcy and charged-off accounts was disclosed to third parties without my explicit consent. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to respect the privacy of consumer information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: MN

Complaint narrative:
I am filing this complaint regarding multiple violations of my rights by Equifax, XXXX, XXXX and XXXX for violating my rights under the Privacy Act ( FERPA ) and the Fair Credit Reporting Act ( FCRA ). Despite FERPAs protections under 20 USC 1232g ( b ) which have resulted in inaccurate reporting of my credit information and the unauthorized disclosure of personal data. I believe these violations are in breach of the Fair Credit Reporting Act ( FCRA ) and other privacy laws, including the Gramm-Leach-Bliley Act ( GLBA ).

1. Violation of FCRA Unauthorized Reporting of Bankruptcy ( 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ) ) My Chapter 7 bankruptcy was reported to the credit agencies without my authorization. According to FCRA regulations, consumer consent is required to report information of this nature. I did not provide consent to the reporting of my bankruptcy, nor was I informed of my right to opt-out as required under 15 USC 1681 section 604 ( a ) ( 2 ) and 15 USC 6802 ( b ) ( c ).

2. Violation of FCRA Failure to Remove Charged-Off Accounts ( 15 USC 1681e ) The charged-off accounts reported on my credit file have not been accurately reported, and I request that these accounts be completely removed and deleted from my credit report. These accounts have been repeatedly updated every month as charged-off, which falsely manipulates the statute of limitations. A charged-off account should not include an active payment history. The inclusion of a payment history for charged-off accounts is inaccurate and misrepresents the status of these accounts. This negligent reporting violates my rights under FCRA regulations, which require accurate reporting and timely investigation.

3. Violation of Financial Privacy Laws ( 15 USC 6801 ) I am concerned that my financial privacy has been violated, as personal information regarding my bankruptcy and charged-off accounts was disclosed to third parties without my explicit consent. Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions are required to respect the privacy of consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: OH

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows :

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 2024-12-17 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: CA

Complaint narrative:
FCRA Violations in This Report : 1. Future Reporting Date Last Reported Date : XX/XX/year> Reporting a date that is in the future violates the FCRAs accuracy requirements under Section 607 ( b ). All information on a credit report must be current and accurate. Future dates create false or misleading data.

2. Collection Charge-Off and Amount Past Due Conflict The account shows a Collection Chargeoff status with an Amount Past Due of {$1000.00}.

Once an account is charged off, the original creditor has written off the debt for accounting purposes. Reporting the account as both charged off and past due can mislead and inaccurately reflect the debts status.

Under Section 623 ( a ) ( 1 ), furnishers must ensure the information they report is accurate and consistent.

3. Inconsistent Balance Reporting Balance : {$1000.00} Highest Balance : {$1000.00} The slight discrepancy between the balance and highest balance could indicate reporting errors or outdated information. Furnishers are obligated under the FCRA to keep balances up-to-date and free of inaccuracies.

4. Consumer Dispute Acknowledgment The Remarks state : Account information disputed by consumer, meets FCRA requirements.

Under Section 611, if you dispute an account, the credit bureau and furnisher must investigate and correct or delete any unverifiable information within 30 days. If errors remain after a dispute, this indicates a failure to fulfill dispute obligations.

Key FCRA Violations Identified : 1. Reporting Inaccurate Dates ( Future reporting date violates Section 607 ( b ) ).

2. Misrepresentation of Charge-Off Status ( Conflict between charge-off and past due ).

3. Balance Discrepancy ( Inconsistent reporting between current and highest balance ).

4. Improper Handling of Consumer Disputes ( Dispute remains unresolved despite being acknowledged ).

My consumer rights are clearly being violated and has been a recurring issue when attempting to correct this. If account can not be reported accurately, it must be deleted or Ill be forced to take legal actions.

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