vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-14 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: MS

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: MS

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to XXXX XXXX XXXX XXXX regarding inaccurate and incomplete information on my consumer report. Despite my clear request for proof of compliance with the XXXX notice requirement under 15 USC 1666b , their response was misleading and irrelevant, suggesting I might be a victim of identity theft, which I never indicated. 

I specifically requested documentation proving that the required notice was mailed or delivered to me no later than 21 days before the payment due date. XXXX XXXX XXXX XXXX failed to provide this proof, which is a violation of federal law. Instead, they stated that the account is verified/accurate without addressing my actual dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: NY

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to XXXX XXXX XXXX XXXX regarding inaccurate and incomplete information on my consumer report. Despite my clear request for proof of compliance with the XXXX notice requirement under 15 USC 1666b , their response was misleading and irrelevant, suggesting I might be a victim of identity theft, which I never indicated. 

I specifically requested documentation proving that the required notice was mailed or delivered to me no later than 21 days before the payment due date. XXXX XXXX XXXX XXXX failed to provide this proof, which is a violation of federal law. Instead, they stated that the account is verified/accurate without addressing my actual dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: DC

Complaint narrative:
XXXX XXXX Homeless [ XXXX ] Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Negative Accounts under the XXXX XXXXXXXX Repair Act Dear Experian, I am writing to formally request the removal of negative accounts from my credit report in accordance with the XXXX XXXX Repair Act. These accounts were reported incorrectly as they are the result of XXXX XXXXXXXX or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ]. 
I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless right now and have provided my passport for required identification. I understand that under the XXXX XXXX Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : * [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX ] [ XXXX ] Experian [ XXXX XXXX ] [ XXXX ] Experian [ XXXX XXXX ] - [ XXXX ] Experian [ XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX ] - [ XXXX ] experian [ XXXX ] - [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian [ XXXXXXXX XXXX XXXX XXXX XXXX [ XXXX ] [ XXXX XXXX XXXX XXXX [ XXXXXXXX XXXX Experian XXXX  XXXX XXXX XXXX XXXX XXXX [ XXXX ] Experian Inquiries to be removed XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian ) XXXX XXXX XXXX  ( XXXX XXXX Experian XXXX XXXX ( XXXX ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response. 
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 2024-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: CA

Complaint narrative:
When switch from Mohela to mohela student aid unable to make payments. I started receiving emails from Mohela to make payments but when click link doesn't work, or when try to log on and ask to change password with my Social, get message that there is no account. Tried to reach Mohela at XXXX XXXX XXXX and XXXX at XXXX XXXX XXXXsame electronic message unable to get through as won't accept my social. So I can't log in, I can't get through on phone so I can't make a payment. I also want to speak to a person to see if there is a forbearance for caregivers. My husband has had XXXX XXXX  betwee XXXX and XXXX and is now on XXXX for XXXX  XXXX XXXX XXXX. He is XXXX XXXX XXXX and I am XXXX XXXX XXXX. I am his primary caregiver and also still work full time. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I contacted Robinhood support to delete my brokerage account account and all the profile related information permanently which I never used or no longer intend to use but the company has failed to do so, I can still login into my acount using the same creditials and I have tried to contact them multiple times but have not recived any help. This is a clear voilation of consumer right.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-14 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: NC

Complaint narrative:
I am writing to express my concern regarding the unresolved inaccuracies on my credit report. Despite multiple requests for a thorough investigation of these disputed accounts, no corrective action has been taken, and the errors continue to harm my credit file. These inaccuracies are causing significant personal and financial hardship. 

I kindly request that you conduct an immediate and comprehensive investigation into the disputed accounts. It is crucial that my credit report is updated and corrected without further delay to restore its accuracy and integrity. I trust you will treat this matter with the urgency it deserves. 

Thank you for your prompt attention and assistance in resolving this issue.

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 2024-10-14 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am aXX/XX/XXXX/ Identity Theft Victim. These accounts listed aren't mines, please help me in just now getting on my feet and No one wants to rents to me. Because my score so low and so many derogatory remarks. These accounts are damaging my credibility please help me rectify this situation. 

XX/XX/XXXX Lvnv Funding XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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 respectfully request the immediate removal of this inquiry from my credit report, as it is unrelated to me, and I have no association with the involved creditors.

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 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Requested 1099-C and Debt verification From the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All with no response Please remove this from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed errors on my credit report related to 15 USC 16c-2, as there are unauthorized inquiries impacting my credit. Kindly remove these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shepherd Outsourcing, LLC
State: AZ

Complaint narrative:
I keep getting text messages from a company called " Shepherd Outsourcing '' saying that I owe money to XXXX XXXX XXXX and they can advise me on options of how to pay. They gave a URL of XXXX and phone number of XXXX. When I checked online it came up as a likely scam. So I checked with my local hospital ( XXXX XXXX XXXX XXXX, XXXX XXXX AZ ) and was advised that all my bills have been paid and the account closed since XXXX. I did not contact " XXXX XXXX '' and will block their texts now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NY

Complaint narrative:
When purchasing XXXX XXXX from XXXX XXXX XXXX in XXXX, I applied for a loan from GoodLeap with 18 months of no interest from the date of the project completion. The total for the loan was {$14000.00}. After 18 months interest would be applied. The project was installed on XX/XX/XXXX, which would mean the interest would be applied after XX/XX/XXXX. Just before XX/XX/XXXX, I received a first bill from GoodLeap stating that I owe {$17000.00} ( the original principal plus {$3200.00} for 18 months of interest ). When I talked to them on the phone they said they were told by XXXX XXXX XXXX that the project was completed on XX/XX/XXXX so they released the funds on XX/XX/XXXX and that started the beginngin of 18 months no interest. When I called to tell them the project was installed on XX/XX/XXXX, they asked me to submit proof. 

In good faith I paid XXXX a total of {$14000.00} on XX/XX/XXXX after, on XX/XX/XXXX, they told me to call back to continue the dispute. 

I sent emails from XXXX XXXX XXXX showing the appointment time, the Certificate of Insurance sent to me by XXXX XXXX XXXX on XX/XX/XXXX allowing them to work in the building that day, and a picture of my apartment from XX/XX/XXXX with the XXXX not installed yet. XXXX XXXX from XXXX only responded on XX/XX/XXXX : " Currently, we are unable to process any changes to the loan. We attempted to reach out in XXXX and XXXX of last year to go over the loan terms, and a welcome letter was sent on XX/XX/XXXX which covered the loan terms. '' The interest on this loan was based on an incorrect Completion Date, which gave me less than XXXX months of no interest and resulted in my payment being considered after the no interest promotional period. I have a phone recording of a representative at GoodLeap telling me they do not release funds until a project is complete. XXXX XXXX XXXX lied about their installation date, which is currently costing me over {$3000.00} in interest. I'd like this to be nullified as I've already paid the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-14 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: IL

Complaint narrative:
Im requesting help with the inaccurate account thats appearing on my credit report. The situation has impacted my reputation, and I need your support to resolve it. Due to the wrong information in my report, my reputation has been ruined. You need to remove this incorrect data from my report immediately.

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 2024-10-14 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

2. Account Name : XXXXXX/XX/XXXXAccount Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and showing a late payment. Please provide proof of the late dates and update the status to current or paid as agreed. 

3. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-14 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: DC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company response to consumer: Closed with explanation