vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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:
On XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report with a balance of {$4200.00}. The account was allegedly opened on XX/XX/XXXX, and charged off on XX/XX/XXXX. However, Experian is falsely reporting the charge-off date as XX/XX/XXXX, which constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ) by unlawfully extending the reporting period beyond seven years.

I took the following actions to dispute this false reporting : XX/XX/XXXX Filed an FTC Identity Theft Report ( Case # XXXX ) XX/XX/XXXX Submitted written disputes to Experian, XXXX, and XXXX demanding deletion under FCRA XXXX XX/XX/XXXX Sent a direct dispute to XXXX XXXX requesting verification under FCRA XXXX ( b ) XX/XX/XXXX XXXX responded but failed to provide a signed contract, the original application, or any verification proving I opened this account Despite multiple disputes, Experian continues to report a false past-due balance of {$4200.00} even though a charged-off account must reflect a {$0.00} past-due balance under FCRA 1681s-2 ( a ) ( 1 ) ( A ). Additionally, Experian failed to mark this account as " disputed '' while under investigation, violating FCRA 1681s-2 ( a ) ( 3 ).

Under FCRA 605B, identity theft victims are not responsible for fraudulent accounts, and Experian is legally required to delete this account immediately. Their failure to do so constitutes willful noncompliance under FCRA 1681n, making them liable for damages.

I demand the *immediate deletion of this fraudulent account from all credit bureaus ( Experian, XXXX XXXX and XXXX XXXX. Failure to comply will result in legal action.

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 2025-01-10 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: VA

Complaint narrative:
Enclosed Is FTC Identity Theft Affidavit Report Number : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX XXXX block information appearing on my consumer report that is result of identity theft and fraud within 4 business days of you receiving this complaint. 

Hard Inquiry Deletion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-13 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:
I have disputed a negative reporting with Experian, XXXX, of a late payment that is still on my report from 2022 and Experian came back and said that they found nothing to uphold my dispute and closed the dispute without providing further proof.

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payments on My Credit Report From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Dear Experian Representatives, I am writing to formally dispute the accuracy of certain late payments listed on my credit report. In accordance with 15 U.S.C. 1681c ( a ), under the Fair Credit Reporting Act ( FCRA ), I am requesting that these late payment entries be removed or corrected as they may no longer be valid according to the law.

Legal Bas

is : 15 U.S.C. 1681c ( a ) Time Limitations on Reporting of Certain Information According to the law : 15 U.S.C. 1681c ( a ) Information excluded from consumer report.

( 1 ) In general. A consumer reporting agency may not make any consumer report containing any of the following information : ( A ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( B ) Any other adverse item of information ( other than a judgment ) which antedates the report by more than seven years.

This provision of the Fair Credit Reporting Act mandates that late payments and other negative information must be removed from a consumers credit report after seven years. Therefore, any late payments on my credit report that are older than this time period should no longer appear, and I respectfully request their removal.

I have attached a copy of my identification and my credit report for your reference. Please confirm in writing the resolution of this dispute within the legally required timeframe.

Thank you for your attention to this matter. I look forward to a prompt resolution in compliance with the law. 

Sincerely, 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/year> Subject : XXXX XXXX XXXX TransUnion and XXXX Regarding Inaccurate Late Payment Reporting for XXXX Account Dear CFPB, I am writing to formally file a complaint against TransUnion and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/year>, XX/XX/year>, and XX/XX/year>, the inaccurate information remains uncorrected. 
Key Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit Limit : {$3500.00} Late Payment Reported : 30-day late payment for XX/XX/year> ( TransUnion and XXXX ). 
Account Status : Open and Current.

Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect 30-day late payment reported for XX/XX/year> demonstrates a failure to uphold this requirement. 
As per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( TILA ) : Per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/year> is inconsistent with my payment history, as I have always made payments on time. 
TransUnion and XXXX report a XXXX late payment for XX/XX/year>, while XXXX has no reported history of late payments for this account.

Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency.

Requested Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/year> from my credit report with TransUnion and XXXX. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2024 Subject : Formal Complaint Against TransUnion and XXXX Regarding Inaccurate Late Payment Reporting for XXXX  Account Dear CFPB, I am writing to formally file a complaint against TransUnion and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account Number : XXXX ). Despite multiple attempts to resolve this issue, including disputes filed on XX/XX/2024, XX/XX/2024, and XX/XX/2024, the inaccurate information remains uncorrected. 
XXXX Account Details : Account Number : XXXX High Balance : {$420.00} Balance Owed : {$350.00} Credit Limit : {$3500.00} Late Payment Reported : XXXX late payment for XX/XX/2024 ( TransUnion and XXXX ). 
Account Status : Open and Current.

Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The incorrect 30-day late payment reported for XX/XX/2024 demonstrates a failure to uphold this requirement. 
As per 15 U.S. Code 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information. 
Truth in Lending Act ( TILA ) : Per 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors are mandated to provide timely statements to prevent unfair penalties. The inaccuracies in reporting late payments breach this obligation. 
Evidence of Discrepancies : The reported late payment for XX/XX/2024 is inconsistent with my payment history, as I have always made payments on time. 
TransUnion and XXXX report a 30-day late payment for XX/XX/2024, while XXXX has no reported history of late payments for this account.

Monthly payments and account status indicate compliance with payment terms, further invalidating the reported delinquency.

Requested Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/2024 from my credit report with TransUnion and XXXX. 
Written confirmation of the correction. 
An assurance that reasonable procedures will be followed to ensure future accuracy. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints to the relevant regulatory bodies. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased {$3000.00} XXXX on XXXX 's trading platform. I made this purchase using a debit card. This was my first and only transaction using RobinHood 's services, primarily intending to send this currency immediately to my alternate wallet. When attempting to transfer these funds to my wallet, RobinHood immediately canceled the transaction and froze my account. RobinHood then requested three things ; photos of my government ID, live selfie photos, and a XXXX of the bank statement associated with my debit card. I provided these three materials immediately. They finally proceeded to reach out to me five days later, on XX/XX/XXXX, however, I regrettably missed their phone call. I then went into their XXXX app to request a callback, where I have been waiting on their queue to be contacted again for several days now. Unfortunately there is no alternate way to contact them. Their support phone number, using an automated recording, redirects you to the app. If you attempt to live-chat or email them, you are also redirected to waiting in this support queue. The app alleges they will call you back in thirty minutes, however, days have passed. This is not an isolated incident either, upon doing research on XXXX and various other avenues, apparently this is a common practice for RobinHood. This almost appears to be a systematic and calculated approach by them. Most people state waiting weeks, even months, for a call back that never comes. Many of the people that finally receive a call back state that the call will suspiciously " drop '' when they finally get to speak to the representative. I've further read that most people find the only solution is to file legitimate government complaints to remedy the situation. RobinHood takes no accountability and does not care about its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is now my THIRD time mailing you about some unverifiable inquiries on my credit report. To recap what I have done so far : I have contacted the creditors directly ( multiple times ), and all have failed to provide ANY form of verification, authorization, or proof of permissible purpose 2. I have contacted XXXX multiple times informing you of this, and you too have failed to verify these inquiries XX/XX/XXXX XX/XX/XXXX Both from capital one and only being reported through XXXX and on none of my other reports. Which is also inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have had several charges on my account from fraud. I also filed a dispute with a merchant for not providing services. Chime did not properly open a dispute or credit my account. I had to call several times to get the dispute processing. Chime closed my dispute for the merchant that did not provide services. I did not get credited back. I am lucky the merchant decided to refund my money because Chime failed to protect me. I also had other chares oin my account which chime is not doing any due diligence to credit my account. They close the dispute without crediting me or providing any information on the investigation. This has been ongoing when I file disputes and Chime closes them instantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: State Collection Service, Inc.
State: MO

Complaint narrative:
On XXXXXXXX XXXX XXXX, I sent STATE COLLECTIONS SERVICES, INC a certified mail letter, requesting validity of the alleged debt and I have yet to receive a response!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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 recently reviewed a copy of my credit report and noticed i had a fraudulent account appearing on my consumer credit report. The following Account is fraudulent and is appearing as duplicated ( Twice ) on my credit report which is illegal violating my rights within the FCRA and FDCPA laws and this account need to be deleted. I do not recognize this fraudulent account as mine. I have been a victim of a data breach and Identity Theft. Kindly block and delete the Account Name : [ XXXX XXXX ] XXXX Account number : XXXX ] within 4 business days as required by FCRA 605B, 15 USC 1681c-2 . Please Remove and Delete this fraudulent, incorrect, inaccurate, duplicated and unauthorized account from my Credit Report immediately. They are hurting my ability to obtain credit. Please find the attached FTC Report, Affidavit of Truth and other relevant documents.

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 2025-01-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1200.00} XX/XX/year> 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1200.00} XX/XX/year> 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: AR

Complaint narrative:
There were transactions that showed on my Discover credit card ending XXXX statements starting from XXXX of XX/XX/year> from XXXX XXXX that I did not purchase and authorize. I am not sure who used my credit card for these transactions. 
During the time these transactions were happening, I was preoccupied with a family emergency involving my child, which required my full attention at the hospital. This unfortunate circumstance led me to overlook the recurring charges, which I had neither authorized nor initiated. 
But I figured out that some fraud was happening with my account by end of XXXX, and I blocked my Discover credit card immediately. The fraud team mentioned that they will inspect and will get back to me. Potentially I got a new account number and got a new card by end of XXXX. 
After inspection the Discover team mentioned that these were manual transactions and that they have been recurring transactions and that they can not help anything with this fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
With XXXX I disputed on XX/XX/year> ally finance report All I got in return was remains on my credit file no true information on why its not being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: Chime Financial Inc
State: NY

Complaint narrative:
On XXXX XXXX. My card was used in the amount of XXXX and it wasn't me

Company response to consumer: Closed with explanation