vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/year> Subject : Demand for Deletion of Inaccurate Information and Request for Validation of Debt Dear whom this may concern, I am writing to formally dispute inaccurate information reported on my credit report and to demand the deletion of this information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Upon reviewing my credit report, I identified accounts that I believe are inaccurately reported. I am requesting that you conduct a thorough investigation into these discrepancies. Specifically, I challenge the validity of the debts associated with these accounts and demand proof of their validity, including : A copy of the original contracts with my wet signature. 
Documentation proving that I applied for these alleged credit accounts. 
These requests are made under the FCRA, which requires credit reporting agencies to ensure the accuracy and integrity of the information they report. Failure to provide this evidence constitutes a violation of 607 ( b ) of the FCRA, which states that agencies must follow reasonable procedures to ensure maximum accuracy. Additionally, under 623 ( a ) ( 6 ) of the FCRA, you are required to investigate disputes and provide timely responses.

If you are unable to provide the required documentation to substantiate these debts, I demand that you immediately delete the disputed accounts from my credit report. Please confirm the deletion in writing. 

I expect a response within 30 days as mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: KY

Complaint narrative:
{$770.00} was the amount owed I paid {$200.00} I was not aware that I should of got proof of the debt and a writing agreement for payment plan before making payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would appreciate your help with the account that has been inaccurately reported on my credit report. This matter has caused significant damage to my reputation, and I am seeking your assistance. Your mishandling of my credit report has severely affected me, and this incorrect information has tarnished my reputation. Please take action to remove this misleading information from 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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/scrub>XXXX   - {$4700.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2024 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Paid Account from Credit Report Dear EXPERIAN, I am writing to request the removal of an account from my credit report that has been paid in full as agreed. 
Account Information : Account Number : XXXX Creditor Name : XXXX XXXX XXXX Date Paid : [ Date of Payment ] This account was settled in accordance with our agreement, and I believe it is in my best interest, as well as the accuracy of my credit report, for this account to be removed. 
According to the Fair Credit Reporting Act, I request that you review my file and update it accordingly. I have attached copies of relevant documentation, including proof of payment, for your reference. 
Please let me know if you require any additional information to process this request. I appreciate your prompt attention to this matter and look forward to your response. 
Sincerely,

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 2024-09-25 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: AZ

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NC

Complaint narrative:
Today, XX/XX/year>, I received an email from XXXX saying that someone named XXXX XXXX in XXXX owes {$830.00} for an account ending in XXXX. However, my name is XXXX XXXX, and I do not live in XXXX anymore nor do I have an account ending in XXXX. I believe this is a case of mistaken identity and I would like to dispute the collection of an amount I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to express my continued frustration with your failure to resolve the ongoing issue regarding unauthorized and invalid hard inquiries that remain on my credit report. As I have previously stated, I did not authorize these inquiries, and their presence on my credit file is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2024-09-25 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: FL

Complaint narrative:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I sent in 3 written request for the company to remove the unverified account that was on my credit report in violation of 15 U.S.C. 1681 or provide me proof of verification. In the results of the 3 investigations, they stated that they " verified '' that these items are being " reported correctly ''. but they didn't provide the information i requested as to Who in their company verified these accounts. How they verify them, The name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Or they didn't Include the documentation that was used to verify the dispute. XXXX removed this account from my credit report because it's not my debt and its unverifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-25 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:
I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.

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 2024-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've disputed the payment reporting information on the same four accounts that are currently reporting on XXXX, XXXX, and Experian. Just to have all three reporting companies come back with the information being verified as correct. How is this possible if all none of the payment history is consistent across all three credit reporting agencies? I am now seeking arbitration for improper use and reporting of inaccurate information on my credit report. This is proof of a direct violation of the FCRA from all three bureaus. There is no need for me to list a bunch of rights that have you have willfully violated by falsely stating that proper investigation took place. If this were true then all reported information should match up with the same information. The attached documents for each account will show different dates for the first reported payments, last reported payments, payments that reported as on-time but showing as late for the same month and year on other credit reports, etc. All three credit bureaus have not been able to validate the accurate on-time and late payment information but still claim to have done so. In previous disputes, requests for how the information was verified for these same accounts were never turned over to me as I requested. It is obvious that these accounts were never properly investigated. 
The inconsistent accounts are : XXXX - Account # XXXXXXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX Account # XXXXXXXX  - {$420.00}

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 2024-09-25 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: ME

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate 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 explanation
Consumer complaint received 2024-09-25 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I fell victim to a scam of an online gaming/casino site. This is my second complaint through CFPB about this. I am disputing charges because products provided to me were NOT AS ADVERTISED. This was not addressed in my last complaint ( see attached ). I tried to dispute the charges in the amount of {$33000.00}, but am unable to get my money back due to Robinhood Credit Inc. not doing their due diligence initiating an adequate investigation. I have written letters to and tried to dispute these charges with Robinhood Credit Inc.. I have not yet paid any of the charges due to me still disputing the charges with them. I am not satisfied with the results of the disputes made with Robinhood Credit Inc.. I don't feel like they made a valid effort on their part to assist me as a customer and consumer. I did not see any evidence of any real effort on their part to determine whether or not XXXX XXXX was in fact an illegal scam site, designed to lure people like me and steal their money. Products provided by XXXX XXXX do not have any value! They use advertising to provide some fraudulent coins. XXXX also blocked my account now. In my own investigation, I have learned there are multiple lawsuits against XXXX for operating an illegal gaming site and for fraud. Robinhood Credit Inc. has not conducted any sort of investigation into the veracity of these complaints, which it should have done. Attached here are three pieces of evidence proving that XXXX XXXX is a scam website, stealing victim 's money and NOT PROVIDING WHAT IS ADVERTISED. Exhibit A : XXXX is forced to cease operation in Delaware. Exhibit B : XXXX faces class-action lawsuit in Georgia. Exhibit C : XXXX and State regulators increase pressure to shut down XXXX. I also deserve my money back because of Fair Credit and Billing Act ( FCBA ) and Federal Law ( 15 USC 1666i ). See attached law.

Company response to consumer: Closed with explanation