vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX, EXPERIAN AND XXXX HAVE BEEN REPORTING INACCURACIES AND OBSOLETE INFORMATION ON MY CREDIT REPORT. 
XXXX U.S. Code 1681a ( 2 ) ( a ) 1 EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the ( consumer ) = ( ME ) and the ( person ) = ( CORPORATION ) = XXXX XXXX XXXX XXXX, XXXX XXXX, making the report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PINNACLE RECOVERY, INC.
State: MA

Complaint narrative:
Noticed a collection on my account that does not belong to me. Please remove from my profile 15 U.S. Code 1692c Also there are two 30 day lates from 2 closed accounts at XXXXXXXX XXXX  that was an error. Spoke with bank and they have agreed to remove. 15 U.S. Code 1666b Can you also remove unknown inquiries off my report that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-09 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:
Unauthorized data appearing on my credit report is a serious issue that must be resolved. I did not consent to this information being included, and it is unjustly harming my credit score.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Around XXXX day Robinhood displayed a banner about no longer supporting my Robinhood Crypto Wallet account. With link saying, " Due to your recent crypto wallet transfer ( s ) that violate the Robinhood Crypto Customer Agreement, we can no longer support your Robinhood Crypto account. '' When trying multiple times to get in contact with someone, I later got a reply from an email I sent to them. 
They only replied with information such as " After reviewing your Robinhood Crypto account, we found activity that violates our Robinhood Crypto User Agreement. '' and " Please note that this is a final decision and no further information will be provided. ". 

As shown in the attaches I have not done any transfers or trades during the " recent '' XXXX month. The last activity as shown was XXXX until I got their reply above which only allows to sell and I confirmed that. 

If transfers are only showing up on their side, the company should inform the user of the fraudulent transactions so proper actions can take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 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: GA

Complaint narrative:
Unauthorized data appearing on my credit report is a serious issue that must be resolved. I did not consent to this information being included, and it is unjustly harming my credit score.

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 2024-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
The information provided in the previous complaint by this company is false. I DID NOT go into the office and return keys on XX/XX/XXXX. That is not my handwriting and misspelled name on the provided key return paperwork. XXXX in the office and I exchanged emails on XX/XX/XXXX in regard to the notice to vacate paperwork. ( The emails are attached below. ) My electric service was disconnected at that address on XXXX ( email from electric company below ) I also have email proof that I was already in my apartment and had submitted maintenance request for my new unit prior to XX/XX/XXXX because i was NO LONGER in XXXX. **Reference in the Texas Rules of Civil Procedure : Rule 510.8 Judgment : If the court rules in favor of the tenant, this rule outlines the judgment process. If the judgment is for the tenant, the case is dismissed, and the landlord is not granted possession of the property. ** if the court rules in favor of the tenant, the landlord can not evict them, and the tenant can continue to live in the rental property under the same lease terms, unless other legal issues arise. *** THE JUDGE RULED IN MY FAVOR SO IT WAS ILLEGAL TO COME BACK AND TRY TO EVICT ME THE SAME DAY THE JUDGE RULED IN MY FAVOR. 8/31 Texas Property Code, Chapter 92 Residential Tenancies Section 92.103 Security Deposit Return : If the tenant vacates the property before the eviction date, this section requires the landlord to return the tenant 's security deposit within 30 days unless there are damages or unpaid rent. The landlord may only withhold part of the security deposit if there are documented damages beyond normal wear and tear, and they must provide an itemized list of the deductions. ( I WOULD LIKE AN ITEMIZED LIST OF DAMAGES THA T EQUAL 2846. THE UNIT WAS NOT DAMAGED WHEN I LEFT. AT MOST THERE WAS A BUNK BED LEFT THERE AND THAT IS COVERED IN " CLEANING TRASH ITEMS LEFT BEHIND ) Also why am i being charged a reletting fee when there was an eviction filed. What is DAMAGES.? 60 days notice not given ... .wouldnt that be what the reletting fee is? I have attatched all proof that i was not in XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
I am formally disputing the above-referenced Santander account on my credit report. I have submitted multiple dispute letters over the past five months, requesting that Santander provide validation of this debt or correct the reporting errors. Despite these repeated requests, they have failed to provide any validation within the legally mandated 30-day period as specified by the Fair Credit Reporting Act ( FCRA ).

As Santander has not verified this debt within the required timeframe, this account must be immediately deleted per FCRA 611 ( a ) ( 5 ) ( A ). 

Errors Identified Illogical Reporting Dates : The Start Date is reported as XX/XX/XXXX, which is a future date. This is factually impossible. 
Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy. 
Contradictory Payment Status : The account shows a XXXX balance and is marked as Closed, yet it simultaneously reports as Late 30 Days. 
Error : A closed account with a XXXX balance can not have a late payment status. 
Violation : FCRA XXXX ( b ) Inaccurate and misleading reporting. 
Inconsistent Last Activity Dates : XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX XXXX : Last Activity XX/XX/XXXX Error : These discrepancies demonstrate a failure to ensure accurate reporting across bureaus. 
Violation : FCRA XXXX ( b ) Failure to ensure consistency and accuracy. 
Failure to Validate Debt : Despite multiple disputes over five months, Santander has not provided any documentation validating this debt. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) Requires verification within 30 days. Santander has exceeded this timeframe.

Specific FCRA Violations Failure to Investigate Disputed Information FCRA 611 ( a ) ( 1 ) ( A ) Creditors must investigate and validate disputed information within 30 days. Santander has not complied with this requirement.

Failure to Delete Unverified Information FCRA 611 ( a ) ( 5 ) ( A ) When a creditor can not verify disputed information within 30 days, the account must be deleted. This account remains on my report despite no validation.

Failure to Ensure Maximum Possible Accuracy FCRA 607 ( b ) Creditors and bureaus must ensure the information they report is accurate and up-to-date. The errors in dates, payment status, and last activity violate this requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear CFPB, I am writing to formally request assistance with a dispute involving fraudulent charges on my Chase credit card account. Despite my repeated efforts to resolve the matter directly with Chase, the issue remains unresolved. Below, I outline the details of the situation : 1. Discovery of Fraudulent Charges : On XX/XX/year>, I noticed several unfamiliar charges on my Chase credit card account while I was overseas. Concerned, I immediately contacted Chase to report the issue.

2. Initial Actions Taken : I informed Chase that the charges were unfamiliar and requested to dispute them. I also asked for new cards with different numbers to be issued for both myself and my husband. While overseas, I was assured that I could continue to use the credit card account via XXXX XXXX, though the physical card was no longer usable. 

3. Further Developments : Upon returning from my trip, Chase issued us new credit cards and confirmed they would investigate the initial two disputed charges. However, in subsequent weeks, an additional five charges from a company called XXXX XXXX, totaling {$4300.00}, appeared on my account. 

4. Chases Response : Chase has determined that I am responsible for these charges. Their reasoning is based on claims that they sent five emails to the email address on file and that I responded each time to confirm the charges as valid. This is inaccurate, as I never responded to any such emails. I believe my email account may have been compromised, which I have repeatedly explained to Chase. 

5. Unresolved Issue : It does not make sense that I would call Chase to report fraud initially, only to later validate these charges via email. Despite this inconsistency, Chase has declined to offer further assistance or reimbursement for these fraudulent charges. 

I am seeking your help in resolving this matter. I believe I have taken all reasonable steps to protect my account and dispute unauthorized charges. Chases conclusion and unwillingness to assist further are both unjust and unsupported by the facts. 

Attached to this letter, you will find copies of relevant documentation, including account statements, my initial dispute correspondence with Chase, and any other supporting materials. 

Thank you for your time and attention to this matter. I hope the CFPB can assist in securing a fair resolution. Please do not hesitate to contact me at the phone number or email address provided above if additional information is needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF 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 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I checked my credit report this morning, I couldnt believe my eyesthere are accounts on there that shouldnt be. I have no idea how this happened. Ive always been diligent about checking my report, and this time, everything seemed to go wrong. I even tried refreshing the browser, thinking it might just be a technical issue, but nothing changed. Im pleading for someone to carefully review the documents Ive sent so this never happens again.

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 2024-12-09 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: MO

Complaint narrative:
KINDLY HELP ME. I'M GETTING STRESSED UP EVERY TIME I SEE THESE FRAUDULENT BANKRUPTCY RECORD. I WANT THESE TO BE PERMANENTLY REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief