vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports, as the information reported is inaccurate, unverifiable, and in violation of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX High Balance : {$2400.00} Credit Bureaus Reporting : XXXX XXXX XXXX, and Equifax XXXX and Violations 1. Contradictory Reporting Across Credit Bureaus The account is reported as open with XXXX but as closed with XXXX and Equifax. This inconsistency violates the requirement under FCRA Section 1681e ( b ) for credit reporting agencies to ensure maximum possible accuracy.

2. Lack of Verification by the Furnisher The remarks indicate the account has been disputed ( " Account information disputed by consumer, meets FCRA requirements '' ), yet no evidence has been provided to verify the validity of the debt as required under FCRA Section 1681s-2 ( b ) and FDCPA Section 809 ( b ).

3. Reporting of Derogatory Information Without Validation The original creditor is listed as " XXXX '' but no documentation has been provided to establish the legitimacy of this collection account. Without proper validation, reporting this account is a violation of FDCPA Section 809 ( b ) and FCRA Section 1681i ( a ) ( 1 ).

4. Inconsistent Dates The Date of Last Activity varies between bureaus : XXXX : XX/XX/year> XXXX : XX/XX/year> Equifax : XX/XX/year> This inconsistency casts doubt on the accuracy and reliability of the information, violating FCRA Section 1681e ( b ).

5. Unverifiable Past Due Amount None of the credit bureaus provide details of a past-due
amount or payment history, making the account unverifiable and in violation of FCRA Section 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports, as the information reported is inaccurate, unverifiable, and in violation of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX High Balance : {$2400.00} Credit Bureaus Reporting : XXXX XXXX Experian, and XXXX XXXX and Violations 1. Contradictory Reporting Across Credit Bureaus The account is reported as open with XXXX but as closed with Experian and XXXX. This inconsistency violates the requirement under FCRA Section 1681e ( b ) for credit reporting agencies to ensure maximum possible accuracy.

2. Lack of Verification by the Furnisher The remarks indicate the account has been disputed ( " Account information disputed by consumer, meets FCRA requirements '' ), yet no evidence has been provided to verify the validity of the debt as required under FCRA Section 1681s-2 ( b ) and FDCPA Section 809 ( b ).

3. Reporting of Derogatory Information Without Validation The original creditor is listed as " XXXX, '' but no documentation has been provided to establish the legitimacy of this collection account. Without proper validation, reporting this account is a violation of FDCPA Section 809 ( b ) and FCRA Section 1681i ( a ) ( 1 ).

4. Inconsistent Dates The Date of Last Activity varies between bureaus : XXXX : XX/XX/year> Experian : XX/XX/year> XXXX : XX/XX/year> This inconsistency casts doubt on the accuracy and reliability of the information, violating FCRA Section 1681e ( b ).

5. Unverifiable Past Due Amount None of the credit bureaus provide details of a past-due amount or payment history, making the account unverifiable and in violation of FCRA Section 1681i ( a ) ( 5 ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
I received a letter in XXXX from Kimball , Tirey & St. John LLP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I responded to the letter, disputing the debt owed. The letter also said that if I dispute they have to stop all collection attempts, including reporting to any credit bureau or informing the credit bureau that the debt is disputed. In response, Kimball, Tirey & St. John mailed me a letter with some random numbers on the back, claiming that was the account. The document had no context and did not include any certified copies or any originals. I mailed a letter saying that they had not only not provided the proof requested but they also reported the debt to credit bureaus and moreover did not report that the debt is disputed. They then proceeded to mail the same generic letter two more times, to which I responded the same. I told them if they mail one more generic letter to me without any proof it would be considered harassment, and so they sent me another letter. They also falsely reported the debt twice to credit bureaus and not it is twice on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CA

Complaint narrative:
I am writing to you as a desperate plea for help regarding an ongoing issue of identity theft that has plagued my life for nearly a decade. Since as far back as 2015, I have been a victim of individuals unlawfully using my identity and credit, resulting in fraudulent accounts and financial obligations being attributed to my name. 

Over the years, I have made every effort to address this devastating issue. Most recently, I reported the fraudulent accounts to all three major credit bureausEquifax, XXXX, and XXXXand directly to the original creditors involved. Despite my diligence and providing all necessary evidence, only XXXX accounts have been successfully removed from my credit file. The remaining fraudulent accounts continue to tarnish my credit, inflict financial hardship, and cause me profound emotional distress. 

This situation has severely impacted every aspect of my life. I struggle to obtain even basic necessities like housing and transportation due to poor credit. The constant battle to prove my innocence and reclaim my identity has taken an enormous toll on my mental health, leaving me overwhelmed and hopeless. I feel trapped in a nightmare I can not escape, no matter how much effort I put into resolving it. 

I am pleading with you to take immediate action to investigate and resolve this matter. I need these fraudulent accounts removed from my credit report and assurances that my identity will be protected moving forward. I have attached copies of all relevant documentation, including police reports, correspondence with creditors, and any evidence supporting my claims. 

Please understand that I am at my wit 's end. I can not endure this struggle alone any longer. I beg you to treat this matter with the utmost urgency and help me reclaim my life and peace of mind. 

Thank you for your time and attention to this critical issue. I hope to hear back from you soon. 

ACCOUNTS BEING DISPUTED : 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 non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I used a debit card to load money to the account ( an acceptable way they have of loading money ). I put my money into stock positions. After a week, I closed the position and cashed to my verified checking account. After doing this, I was locked. I was asked to upload documentation. Halfway through uploading documentation, it said I needed to call someone to lift the restriction. No call back. No way to contact. No way to finish uploading information. Money is locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Copy of 1099-C Form for Charge-Off Account Dear Discover Bank, I am writing to formally request a copy of the 1099-C form related to the charge-off of my account, as required under the Internal Revenue Service ( IRS ) regulations and relevant consumer protection laws .

The details of the account in question are as follows : Account XXXX XXXX, XXXX As you may know, a 1099-C form must be issued when a debt of {$600.00} or more has been canceled or forgiven. This form is crucial for my tax reporting purposes and ensuring compliance with IRS regulations.

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to access information that affects their credit reporting. I believe that obtaining this form is essential for maintaining accurate records regarding my financial obligations.

Please send the requested 1099-C form to my address listed above at your earliest convenience. If you require any additional information to process this request, do not hesitate to contact me at XXXX. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I request that you investigate this matter, remove the fraudulent account from my credit report, and notify me of the outcome of your investigation. Please also provide me with a corrected copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. CAPITAL ONE Account ( XXXX ) After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : CAPITAL ONE Account ( XXXX ) Documented Inconsistencies : 1. Late Payment Reporting : o Experian : Shows XXXX day late payments o XXXX : Notes " dispute resolved; consumer disagrees '' o XXXX : Reports " Pays account as agreed '' 2. Account Status Discrepancies : o Different closure reasons reported Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 611 of FCRA [ 15 U.S.C. 1681i ] : " In case of dispute, each CRA must conduct a reasonable reinvestigation to determine accuracy. '' Violation : Inconsistent dispute resolution outcomes 4. Section 623 ( a ) ( 3 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] : " If disputed by consumer, furnisher must indicate account is disputed. '' Violation : Not all bureaus show dispute indicator 5. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : Violation : Failed to update accurate status across all bureaus 6. CFPB Regulation V, 12 CFR 1022.42 ( a ) : " Furnishers must establish reasonable policies regarding accuracy. '' Violation : Inconsistent reporting of dispute outcomes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports due to inaccuracies, lack of verification, and violations of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 

High Balance : {$450.00} Credit Bureaus Reporting : XXXX and Experian Issues and Violations XXXX. Discrepancies in Reporting The account status is reported as closed on both credit bureaus, which is inconsistent with the Date of Last Activity being reported as XX/XX/XXXX on XXXX and XX/XX/XXXX on Experian. This inconsistency violates FCRA Section 1681e ( b ), which requires accurate reporting of information.

2. Lack of Proper Verification Both credit bureaus report that the account has been resolved, but it remains disputed by me. FCRA Section 1681i ( a ) ( 5 ) mandates that the creditor must provide proper documentation of the debt, which has not been provided. As a result, this account is unverifiable and should be deleted.

3. Failure to Properly Report The remarks from the creditor indicate a dispute resolution, but no substantiating details are provided. Per FCRA Section 1681i ( a ) ( 1 ), when a dispute is reported, the creditor must provide verification, which has not occurred.

4. No Reporting of Payment History or Past Due Amount Neither credit bureau reports any payment history or past due amount for this account, further confirming that the information is incomplete and unverifiable. This violates FCRA Section 1681i ( a ) ( 5 ) ( A ), which requires the reporting of accurate and complete 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 explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
On XX/XX/2025 I filed another complaint against Experian ( complaint # XXXX ) stating that XXXX XXXX is fraudulently reporting incorrect information on my credit report and that Experian is not conducting a proper investigation into my claims. 

I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. XXXX ). 

Failure to Forward Relevant Information to Furnishers : Experian has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding Experian 's neglect. 

Despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: DE

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports due to inaccuracies, lack of verification, and violations of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} Credit Bureaus Reporting : XXXX XXXX XXXX, and Equifax Issues and Violations 1. Contradictory Reporting Across Credit Bureaus The account is reported as closed on all three credit bureaus, which violates FCRA Section 1681e ( b ). There is an inconsistency in the Date of Last Activity across the reports : XXXX : XX/XX/year> XXXX : XX/XX/year> Equifax : XX/XX/year> These discrepancies indicate an issue with accuracy and verification, violating FCRA Section 1681i ( a ) ( 1 ).

2. Lack of Proper Verification The remarks indicate the account is disputed by the consumer and meets FCRA requirements. However, the creditor has not provided sufficient documentation or verification of the debt under FCRA Section 1681i ( a ) ( 5 ) and FDCPA Section 809 ( b ), meaning the information should not be reported.

3. Medical Debt Reporting Without Proper Validation The account is noted as a medical debt, but there has been no verification provided that this debt is valid. Under FDCPA Section 809 and FCRA Section 1681i ( a ) ( 5 ) ( A ), a creditor must verify the debt before it can be included on the credit report.

4. No Reporting of Payment History or Past Due Amount The credit bureaus do not report a payment history or past-due amount for this account. This lack of information further demonstrates that the account is unverifiable and should not be reported under FCRA Section 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: AL

Complaint narrative:
( CFPB COMPLAINT # XXXX ) I REQUESTED ONLY THE METHOD OF VERIFICATION DECRIPTION OF REINVESTIGATION PROCEDURE ON XXXX TO EXPERIAN FOR THIS ACCOUNT ( XXXX XXXX XXXX XXXX BY LAW THEY HAVE ONLY 15 DAYS TO COMPLETE THIS. IT HAS BEEN NO RESPONSE IN 15 DAYS. EXPERIAN ACKNOWLEDGED THE DISPUTE ON XXXX. IT IS NOW XXXX XXXX  AND EXPERIAN HAS NOT SENT THE METHOD OF VERIFICATION REQUESTED AND HAS NOT REPONDED TO THIS CFPB COMPLAINT REQUEST FOR THE METHOD OF VERIFICATION. THERE HAS BEEN NO RESPONSE AT ALL. I HAVE SENT PROOF OF THIS VIOLATION OF THE FCRA. I WILL NOW BE SEEKING FOR DAMAGES UNDER THE FCRA FOR THIS VIOLATION OF MY RIGHTS. I WILL BE SEEKING {$5000.00} FOR ALL DAMGAGES FOR NON-RESPONSE AND FOR THE REPORTING THIS ACCOUNT THAT HAS NOT BEEN VERIFIED UNDER THE FCRA. ( " DO NOT SEND A RESPONSE BACK SAYING YOU DO NOT UNDERSTAND THE NATURE OF THE DISPUTE OR YOU THINK THE DISPUTE IS FRIVOULOUS '' BECAUSE IF YOU ARE READING AND SEEING ALL OF THIS YOU UNDERSTAND )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX XXXX XXXX XXXX After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : Documented Inconsistencies : XXXX. Account # XXXX : o XXXX  : Shows consistent XXXX lates o XXXX : XXXX Account information disputed '' o XXXX : XXXX Too new to rate '' Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed. 3. Section 623 ( a ) ( 7 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 7 ) ] : " Furnishers m
ust provide notice before furnishing negative information. '' Violation : No evidence of negative information notice 4. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Violation : Misrepresentation of payment status across bureaus 5. CFPB Bulletin 2013-09 : " Furnishers must establish and implement reasonable written policies and procedures regarding accuracy. '' Violation : Inconsistent reporting procedures evident

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