vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-18 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:
The presence of this account has caused me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-12-18 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: VA

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

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 2024-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2024-12-18 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX XXXX as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the XXXX section of the FCRAs definitions ; and 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 deleted. 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 liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer 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 2024-12-18 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: SC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me XXXX XXXX and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern.

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 2024-12-18 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: GA

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 non-monetary relief
Consumer complaint received 2024-12-18 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: HI

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

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 2024-12-18 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:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX -- {$120.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX  -- {$590.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$920.00} XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2024-12-18 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:
I received an email that my account was restricted on XX/XX/XXXX and that actions needed to be taken before i can gain access. I submitted the info they asked for which was my I.d., bank statements and a selfie. After send that info and reaching out to them for an answer multiple times I still havent received a non automated response and still cant access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: River Heights Capital LLC
State: FL

Complaint narrative:
I had a judgment against me the judgment was not re certified and recorded at the XXXX XXXX expiration. I filed a motion to dismiss with prejudice on XXXX XXXX, the judge signed the order dismissing the case with prejudice on XX/XX/year>. A Motion to Continue writ was filed in my case on XXXX XXXX and the Judge signed the Order Continuing Write on XXXX XXXX. This Motion was filed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
According to the FDCPA this is a violation because it means attempting to collect on a debt that has been already definitively ruled can not be collected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act Dear CFPB and FTC, I am writing to formally address a critical matter concerning violations of the Fair Credit Reporting Act ( FCRA ) by Equifax XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that these issues be resolved urgently, especially regarding my Equifax credit report. 

Under 15 USC 1681, Section 602, my right to privacy has been severely compromised by the actions of these creditors. The severity of this situation is further underscored by 15 USC 1681, Section 604a, which emphasizes the necessity of safeguarding consumer privacy.

15 USC 1666b, a creditor may not classify a payment on an open-end consumer credit plan as late for any purpose. Equifax, XXXX XXXX Bank XXXX, have reported late payments without following my written instructions under the open-end consumer credit plan, constituting a direct violation of this regulation. 

I am deeply disappointed by the lack of timely attention to these issues, particularly regarding my Equifax report. I urgently request that Equifax prioritize this dispute, conduct a thorough investigation, and promptly rectify my credit report. 

Your immediate and decisive action in resolving these matters is both anticipated and appreciated. 

Thank you for your attention to this serious issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act Dear CFPB and FTC, I am writing to formally address a critical matter concerning violations of the Fair Credit Reporting Act ( FCRA ) by Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is imperative that these issues be resolved urgently, especially regarding my Equifax credit report. 

Under 15 USC 1681, Section 602, my right to privacy has been severely compromised by the actions of these creditors. The severity of this situation is further underscored by 15 USC 1681, Section 604a, which emphasizes the necessity of safeguarding consumer privacy.

15 USC 1666b, a creditor may not classify a payment on an open-end consumer credit plan as late for any purpose. Equifax, XXXX XXXX XXXX XXXX, have reported late payments without following my written instructions under the open-end consumer credit plan, constituting a direct violation of this regulation. 

I am deeply disappointed by the lack of timely attention to these issues, particularly regarding my Equifax report. I urgently request that Equifax prioritize this dispute, conduct a thorough investigation, and promptly rectify my credit report. 

Your immediate and decisive action in resolving these matters is both anticipated and appreciated. 

Thank you for your attention to this serious issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NM

Complaint narrative:
I canceled my insurance policy after paying the policy and term in full ending on XX/XX/year> with XXXX and moved to XXXX XXXX. The account was on auto pay and was paid in full. I called and canceled the policy. 
I disputed the charge previously and it was determined I did not owe the debt and the collection was removed. Months later it was put back on my report and Ive re disputed it with no results or call back or removal

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: HI

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 non-monetary relief
Consumer complaint received 2024-12-18 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: HI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I have been in repayment since 2007. I work for the XXXX XXXX  and have worked for the XXXX XXXX XXXX XXXX  My student loan started with XXXX XXXX, and then went to XXXX, and is now with Mohela. I have asked for payment information for all companies only to be directed to multiple places. I can not seem to get the history for my payments so that I can request PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: VA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 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: VA

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-12-18 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: GA

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-12-18 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2024-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Frequent phone calls to try to collect on accounts past the statutes of limitations, Debt that is over 10 years old and legally uncollectable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
SPS is trying to XXXX  XXXX and I via XXXX XXXX XXXX  = 18 USC 1341/1342 VIOLATIONS. We have no contracts with SPS, proof of MORTGAGE FRAUD by XXXX XXXX and XXXX XXXX has no rights to Sell, Collect or Foreclose = SPS is caught in Multiple Federal CRIMES, XXXX and XXXX XXXX with employees using XXXX Of Law and Grammatical Deception to try and steal property no man, woman or CORPORATION lent money towards. 

Our Identities have been stolen by SPS Employees who created a new loan and account without a Contract = Need their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX threatening to Foreclose when no one has STANDING to even Collect. 

I have the DUNS Numbers for SPS and XXXX XXXX XXXX who already dealing with a lawsuit for Wrongful Foreclosure by XXXX XXXX. You can't use XXXX Of Law Excuse to cause Loss, Injury and Harm via XXXX XXXX XXXX... if SPS tries to send a man with a XXXX to my house to XXXX XXXX or threatens to Auction my Domicile = XXXX XXXX 100 %, any XXXX  makes SPS and the Employees involved LIABLE. You men and women who ACT as Service Corporation Employees are not above the Law Of The Land/U.S.A. XXXX and don't own us via XXXX XXXX XXXX 

SPS sent a Threatening letter after Receiving my NOTICE OF LAWSUIT AND DEBT Validation Letter = Per XXXX XXXX. XXXX ( c ), I am exercising my right to DEMAND/ORDER that SPS cease and desist from all further contact with me regarding this alleged debt that's not Valid, Legal or Lawful to Enforce, it was created via Identity Theft. 

Provide A copy of the original contract or agreement that shows I am obligated to pay this debt and Accounting records proving there's a Lender or SPS has no STANDING to enforce anything. 

SPS is caught in major XXXX and XXXX. 

SPS is claiming to be a Lender and Servicer = Not Possible unless there's Fraud and Double Dipping going on ... matter of fact they are caught in XXXX XXXX. According to XXXX Servicing rules you can't treat the DEBT as a LOAN and STOCK, that's Double Dipping = XXXX XXXX and SPS are caught red handed in Fraud. The Foreclosure Defense Handbook pdf attached exposes the National FRAUD and my Securitization Audit backs the book plus my Research of Grammatical Deception on all Contracts = FRAUD = Vitiates Everything. 

Provide the contract or I demand my Compensation for this XXXX and Mail XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-18 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: CA

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 explanation
Consumer complaint received 2024-12-18 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: CA

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 response to consumer: Closed with non-monetary relief