vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to inform you that your recent actions concerning the collection of an alleged debt are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. I have thoroughly documented the following For example, repeated calls to my place of employment despite being informed that such calls are not permitted. 

For instance, failure to provide the legally required validation notice within XXXX days of your initial communication with me. 

These actions are not only unlawful but also constitute harassment. The FDCPA ( 15 U.S.C. 1692 ) strictly prohibits debt collectors from engaging in abusive, deceptive, and unfair practices. By violating these regulations, you are liable for damages, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney fees. 

Given the repeated and willful nature of these violations, I am hereby notifying you that I am escalating this matter to the office of the Attorney General of XXXX XXXX and XXXX. I am also considering additional legal actions against your agency to seek full redress for the harm caused by your actions. 

Effective immediately, I demand that you cease all forms of communication with me and any third parties in connection with this alleged debt. This is a formal cease and desist notice under the FDCPA. Any further communication from your agency, except to confirm receipt of this letter or to provide proof of debt validation as mandated by law, will be considered a further violation and will be documented as such. 

Please be aware that I am fully prepared to take legal action if these violations continue. This letter serves as evidence that I have provided your agency with notice of your violations and of my intent to pursue legal remedies. 

I expect a response in writing within XXXX  days of receipt of this letter, confirming your compliance with my requests. Failure to respond adequately will result in additional legal action, and a copy of this letter will be forwarded to the Consumer Financial Protection Bureau ( CFPB ) as well. Remove these fraudelent tradelines off of my credit report as I have attahced XXXX identity theft reports below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Kikoff Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to inform you that your recent actions concerning the collection of an alleged debt are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws. I have thoroughly documented the following For example, repeated calls to my place of employment despite being informed that such calls are not permitted. 

For instance, failure to provide the legally required validation notice within XXXX days of your initial communication with me. 

These actions are not only unlawful but also constitute harassment. The FDCPA ( 15 U.S.C. 1692 ) strictly prohibits debt collectors from engaging in abusive, deceptive, and unfair practices. By violating these regulations, you are liable for damages, including statutory damages of up to {$1000.00} per violation, actual damages, and attorney fees. 

Given the repeated and willful nature of these violations, I am hereby notifying you that I am escalating this matter to the office of the Attorney General of XXXX XXXX  and XXXX. I am also considering additional legal actions against your agency to seek full redress for the harm caused by your actions. 

Effective immediately, I demand that you cease all forms of communication with me and any third parties in connection with this alleged debt. This is a formal cease and desist notice under the FDCPA. Any further communication from your agency, except to confirm receipt of this letter or to provide proof of debt validation as mandated by law, will be considered a further violation and will be documented as such. 

Please be aware that I am fully prepared to take legal action if these violations continue. This letter serves as evidence that I have provided your agency with notice of your violations and of my intent to pursue legal remedies. 

I expect a response in writing within XXXX  days of receipt of this letter, confirming your compliance with my requests. Failure to respond adequately will result in additional legal action, and a copy of this letter will be forwarded to the Consumer Financial Protection Bureau ( CFPB ) as well. Remove these fraudelent tradelines off of my credit report as I have attahced XXXX identity theft reports below.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect names and addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: MD

Complaint narrative:
I paid this account and it was agreed that this account would be removed. It was not removed as agreed, so I filed a dispute with credit reporting bureaus. CR disputes have been returned as validated as still being owed and deliquent which is NOT accurate. I have proof that this account is PAID IN FULL and NOT delinquent, your reporting back as " verified as accurate '' is inaccurate. You even cause my FICO scores to go down and are now harming my ability to secure housing. Please remove this account off of my credit reports since you are now in violation of fair reporting guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-12-29 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
I logged into my Robinhood account and it informs me that my account is restricted for unusual activity. It says I will be given an update on a certain date but that date keeps changing.They are supposed to call me but it's been over 2 days now. I have no answer as to why my account is restricted and I have no options to contact support other than to XXXX their support email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
List of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX, OH XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED ADDRESSES

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report, which I pulled on XX/XX/2024. Specifically, XXXX XXXX XXXX XXXX account is incorrectly reported as closed, with inaccurate multiple payment history dates. Despite this, you have continued to verify and report the information as accurate, without providing any supporting documentation to substantiate its accuracy. 

This failure to correct the error is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i, which requires credit bureaus to investigate and verify disputed information within 30 days. As such, I request that you promptly investigate this matter and remove or correct the inaccurate information from my credit report. 

If the inaccurate information is not corrected within the required 30-day timeframe, I will be forced to pursue legal action under 15 USC 1692g .

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 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report, which I pulled on XX/XX/2024. Specifically, XXXX XXXX XXXX XXXX account is incorrectly reported as closed, with inaccurate multiple payment history dates. Despite this, you have continued to verify and report the information as accurate, without providing any supporting documentation to substantiate its accuracy. 

This failure to correct the error is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681i, which requires credit bureaus to investigate and verify disputed information within 30 days. As such, I request that you promptly investigate this matter and remove or correct the inaccurate information from my credit report. 
If the inaccurate information is not corrected within the required 30-day timeframe, I will be forced to pursue legal action under 15 USC 1692g .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: NC

Complaint narrative:
I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

There is no legally admissible evidence to verify the accuracy of what XXXX XXXX XXXX :. This company is reporting {$2100.00} on my Equifax credit file, which is frivolous, and the company have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by XXXX XXXX XXXX, in direct violation of the FCRA. I have discovered that the XXXX XXXX XXXX  fraudulent account. I need proof of a wet signature of an application w/ XXXX XXXX XXXX and proof this is a credit transaction ; the agency is in violation of federal laws, and I will go legal if this isnt removed. My consumer rights are being violated. XXXX XXXX XXXX accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored. 
Equifax has failed to fulfill its obligations under FCRA. To date, the fraudulent account and remain on my credit report. XXXX XXXX XXXX  accessed my credit report without my consent or any permissible purpose. I did not initiate any business transaction or credit application that would justify this access. This is a clear violation of the FCRAs permissible purpose requirement. The derogatory marks and fraudulent accounts that Equifax has allowed to remain on my credit report are negatively impacting my financial well-being, causing harm to my credit score, and affecting my ability to obtain new credit or other financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a notice about phone bill collection for phone or service I never had or received. Resulting in a negative mark on my credit that continues to report. I have no knowledge of this debt!

Company response to consumer: Closed with explanation