vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account with XXXX Dear CFPB, I am writing to formally dispute the accuracy of an account reported by XXXX on my credit reports from TransUnion, XXXX, and XXXX. The account number in question is XXXX. I have reviewed my credit reports, and I can confirm that this account is not mine. 

Details of the Dispute : Account Type : Installment ( Secured loan ) Date Opened : XX/XX/year> Balance : {$0.00} Account Status : Charged off as bad debt Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The FCRA requires credit reporting agencies to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681s-2 ).

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) prohibits the reporting of false information related to a debt ( 15 U.S.C. 1692e ). Since this account does not belong to me, it is a violation of the FDCPA to report it on my credit file. 

Furthermore, according to the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have the right to report instances of identity theft. If this account was opened fraudulently, it is essential that it is removed from my credit report. 

Requested Actions I kindly request that you investigate this matter thoroughly and provide documentation proving that this account belongs to me. If you can not provide this evidence, I ask that the account be removed from all credit reporting agencies. 

Please respond to me at the address above within 30 days, as required by the FCRA. I appreciate your immediate attention to this matter. 

Thank you for your cooperation. 

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 non-monetary relief
Consumer complaint received 2024-10-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Date : [ Insert Date ] Subject : Dispute of Closed Auto Account with XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of my closed auto loan account with XXXX, as reported by XXXX, XXXX, and Equifax. I have maintained that I was never late on this account, and it was closed out positively. However, the records indicate late payments that are inaccurate and damaging to my credit report. 

Account Details : Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Current Balance : {$11000.00} Payment Status : Current As of XX/XX/XXXX, I have contacted all three credit bureaus regarding this issue but have not received any communication or resolution. Therefore, I am requesting validation of the alleged late payments or correction of my payment history to reflect that all payments were made on time. 

Relevant Laws Supporting My Request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The bureaus must investigate and respond within a reasonable time frame. 
Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from using deceptive practices when reporting information about a consumers credit history.

Truth in Lending Act ( TILA ) : Ensures accurate and truthful reporting of credit information to consumers. 
I demand that the incorrect late payments be validated or that my payment history be corrected to show that I have consistently paid on time. This negative information is not only inaccurate but also adversely affects my creditworthiness. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address my dispute. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last four digits ) : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Date : [ Insert Date ] Subject : Dispute of Closed Auto Account with XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of my closed auto loan account with XXXX, as reported by XXXX, Experian, and XXXX. I have maintained that I was never late on this account, and it was closed out positively. However, the records indicate late payments that are inaccurate and damaging to my credit report. 

Account Details : Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Current Balance : {$11000.00} Payment Status : Current As of XX/XX/XXXX, I have contacted all three credit bureaus regarding this issue but have not received any communication or resolution. Therefore, I am requesting validation of the alleged late payments or correction of my payment history to reflect that all payments were made on time. 

Relevant Laws Supporting My Request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The bureaus must investigate and respond within a reasonable time frame. 
Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from using deceptive practices when reporting information about a consumers credit history.

Truth in Lending Act ( TILA ) : Ensures accurate and truthful reporting of credit information to consumers. 
I demand that the incorrect late payments be validated or that my payment history be corrected to show that I have consistently paid on time. This negative information is not only inaccurate but also adversely affects my creditworthiness. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address my dispute. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
I have found that these inaccuracies are still reporting on my file and it's disappointing considering how I have reached out to your company twice regarding these accounts. It's so disappointing to consistently ask of you to investigate these because it's causing me so much stress.

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 2024-10-03 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: NY

Complaint narrative:
Upon reviewing my recent credit report, I noticed multiple accounts that appear to have been added without my consent and are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: NY

Complaint narrative:
Company MRS BPO LLC IS A BANNED COLLECTION AGENCY ON GOVERNMENT LIST ONLINE. They are trying to collect on an old phone account that I paid of before they even released my phone number I had to pay and called company they even stated I paid. They need to stop trying to collect and not put on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: American First Finance, Inc.
State: PA

Complaint narrative:
My Account with American First finance XXXX also was reported as a charge off it was written off as a loss the company was supposed to send a XXXX XXXX form but never did I am asking for this to be deleted under 15Usc1681eb that states accuracy on credit report this is a violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American First Finance XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: MD

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX Date of inquiry : XXXX. XXXX, XXXX XXXX XXXX Date of inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
XX/XX/year> was the date on the credit report and I never heard from these people. my father told me to check my credit for the school loan payment amount and this is when we noticed this collection. i sent request to show proof of my signature or other docs no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
To Whom It May Concern, I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I demand that you dismiss all claims and remove any harmful reports against me. Specifically, I insist that you eliminate any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. Moreover, I require that you prove your lawful authority to conduct business with me or any other contesting consumer. You do not possess the right to act negligently, as you are exposing me to financial and creditworthiness harm. Thus, if you are unwilling or unable to adhere to my request within 20 days of receiving this notice of consumer complaint, you must immediately cease all derogatory or harmful actions towards me, including reporting or collecting any unverified, untrue, invalid, or non-compliant claims or debts. You need to understand that you are not authorized to compel me to engage with you in any manner without legal authority or a written agreement between us. Should you persist in causing harm to me, it will be viewed as harassment or even extortion, which constitutes a criminal offense in my state of residence. Any such misconduct will prompt me to pursue appropriate legal action. Hence, I demand that you rectify any fraudulent or deceptive practices associated with my current consumer credit profile history by expunging any delinquent reported items. 

Listed below are the Inquiries that are being challenged : XXXX - XXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
Dear CFPB, I am writing to formally respond to Robinhood Credit , IncXXXX ( XXXX, formerly XXXX ), regarding their communication dated XXXX, in which they erroneously assert that my acceptance of their XXXX Cardholder Agreement on XX/XX/year>, waived my rights with respect to the reporting of my account information to credit bureaus. 

While I acknowledge that I accepted the terms of the XXXX Cardholder Agreement, I assert that such acceptance does not constitute a waiver of my statutory rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., or any other applicable consumer protection law. Specifically : No Waiver of Privacy Rights under FCRA : The FCRA mandates that any consumer reporting agency may only furnish consumer reports under circumstances authorized by 15 U.S.C. 1681b, and nothing in the acceptance of a credit agreement can override or waive the rights afforded to me by federal law. The fact that I agreed to certain terms in the cardholder agreement does not exempt Robinhood Credit from complying with its obligations under the FCRA to report accurate and complete information. 

Revocation of Consent to Report : While the XXXX Cardholder Agreement may permit Robinhood Credit to furnish my account information to credit reporting agencies, I retain the right to revoke my consent under 15 U.S.C. 1681b ( a ) ( 2 ). By submitting my complaint, I have formally revoked my consent for Robinhood Credit to continue reporting my balance or account information to any consumer reporting agency. Robinhood Credit 's reliance on the initial agreement to justify continued reporting ignores my statutory right to control the dissemination of my nonpublic personal information.

Failure to Address the Request for Correction or Deletion : Robinhood Credit 's response fails to address the core issue of accuracy and whether the reported information complies with 15 U.S.C. 1681e ( b ), which imposes an obligation on furnishers to ensure that the information reported is both accurate and not misleading. By failing to provide a reasonable investigation into my request for an update or correction of the information reported, Robinhood Credit may also be in violation of 15 U.S.C. 1681i, which mandates a thorough investigation into disputed information. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Bank 's response is false to my earlier complaint COMPLAINT ID XXXX. The electronic payments were made payable to XXXX XXXX instead Mayflower XXXX as I requested. Proof of this was received late XXXX by the subpoena from the subpoena department XXXX Capital One Bank. In XX/XX/XXXX I requested a refund to correct the bank 's error, and I sent a copy showing payments to XXXX XXXX instead of mayflower  to the office of the president of Capital One Bank after speaking with XXXX of that office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-03 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it may concern, I am writing to formally lodge a complaint regarding fraudulent reporting on my credit profile by Experian. My ex-wife has unlawfully obtained services from XXXX in my name, and despite my numerous efforts, this fraudulent account has not been removed from my credit report by Experian. The incorrect information has already been removed from XXXX because they agreed it was unverifiable. But Experian continues to illegally report the issue on MY credit report. 

For over a year, I have diligently attempted to dispute this fraudulent XXXX account with Experian. Despite my efforts, Experian refuses and has failed to properly investigate and validate this debt, continuing to report it on my credit profile. This is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information can be reported on my credit profile. 

Experian 's refusal to validate this debt or remove the inaccurate information is not only unjust but also illegal. As the account does not belong to me, it can not be legally verified. I request that the Consumer Financial Protection Bureau intervene in this matter. This unresolved issue has negatively impacted my credit score and is preventing me from obtaining necessary financing. 

I ask for your assistance in addressing this issue with XXXX to ensure that my credit report is accurate and that this fraudulent account is removed immediately. Thank you for your attention to this matter, and I look forward to a prompt resolution.

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 2024-10-03 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: SC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my Experian credit report on XX/XX/year> 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 suppose 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.

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 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My bank account got hacked in XX/XX/year> the suspect applied for a loan of {$5000.00}, under my name after months of report fraud claims eventually Navy Federal told me because the loan was my in my name I have no other choice but to pay it off. I am a XXXX XXXX XXXX already struggling financially, I can not afford to pay off a loan I never even applied for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
Dear CFPB, I am writing to file a complaint against LVNV Funding LLC for violations against rules set by the Consumer Financial Protection Bureau and the United States Code. 

On XX/XX/year>, LVNV Funding LLC placed a collection in the amount of {$8800.00} on my consumer credit report without first providing me with the required validation information as outlined in 12 CFR 1006.34 ( b ) ( 5 ). Additionally, I have not been given the opportunity to dispute this account, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Furthermore, LVNV Funding LLC has no authority to furnish any account to consumer reporting agencies without providing all necessary disclosures required by law. Their actions clearly violate 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I have copies of my credit report and any other relevant documents to support my complaint. I request that the CFPB investigate this matter and take appropriate action against LVNV Funding LLC for violations of the FDCPA. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation