vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-01-08 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 
Please remove the following items from my credit report immediately 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 2025-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
on XX/XX/XXXX i replied to their email asking " This is not mine. Please remove me from any communications henceforth. If there is any debt, it must be mailed to the person. '' Than again on XXXX i received the same notification from them which i replied " This is not mine. Please do not email me again about this. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Sparrow Financial, Inc.
State: NV

Complaint narrative:
I applied for a card i was asked to upload documents which i did, i have not gotten an update i called asking for answers was told to send an email i sent an email and was told they got the documents but they wouldnt be reviewed until a weeks time, not an answer or an excuse i want my application processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: AR

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: AR

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have submitted multiple disputes to experian, XXXX, and transunion by mail and online as well as complaints through CFPB about accounts on my credit report and asking for investigation. Each time, they say that the consumer verifies, but does not provide the findings or verification of the investigation and what proof. It has gotten to the point where I am now in contact with a lawyer because they are hurting my credit by reporting the account XXXX negatively which was paid in reporting. There is also another account that is reporting that I recently have disputed and they have not provided any documentation of verification for the account verizon.

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 2025-01-08 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
This letter is to formally complain about an unauthorized Affirm account appearing on my credit report. 

In XXXX XXXX  I discovered an unknown Affirm account listed on my credit report. I immediately contacted Affirm customer service to report this unauthorized account. During this call, I informed Affirm that I had never opened an account with their company and requested that the account be removed from my credit report. I also completed and submitted the required affidavit as instructed by your representative. 

I believe this to be a case of identity theft. I attempted to reset the account password using my Social Security number ( last four digits : XXXX ) as the verification method. This action granted me access to the account, where I discovered numerous unauthorized purchases made without my knowledge or consent. 

This unauthorized account remains on my credit report, causing me significant financial hardship, including : Difficulty obtaining loans : Lenders are hesitant to extend credit due to the presence of this unauthorized account.

Increased interest rates : Even when I am able to qualify for loans, the interest rates are significantly higher due to the negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: MN

Complaint narrative:
I can not get my credit monitoring service online due to something wrong within Equifax. XXXX XXXX XXXX XXXX  ) has tried to help me. Equifax never gives you a live person. I filed with the XXXX  filed as unresolved. THe other 2 credit reporting companies have been very easy to work with. NOT Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the unauthorized or inaccurate credit inquiries listed on my credit report. As a consumer, I have rights under both the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ), which require that all credit information on my report be accurate and verifiable. Upon reviewing my credit report, I found the following inquiries that I believe to be unauthorized or improperly documented :

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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I invested in this Robinhood XXXX XXXX XXXX and they have been scamming me out of proceeds and my money.Tjeir real time market prices and what it does to value of your overall balance at the very monent the market goes up or down are incorrect. Also i withdrew XXXX XXXX some dollar 's in XXXX and invested in regular stocks and didnt make my investment balance go up at all so its like the money vanished. I elected the other day to chose margin investing to borrow money to invest the only thing that was shown for charges for doing so was 5.5 percent interest. Come to find out they have all these hidden extra charges for every transaction you make without notification. Theres nothing showing the amount of margin theyve taken and what a margin costs when you do a transaction wheter buying or selling. I lost about XXXX XXXX dollars in 4 days cause of this. Their data on if a stock is currently up or down is incorect i invested in ones that show at that time to be profiting youd think than id be making profits many times i just lose money and value. I dont think ive gotten interest payment amounts the correct amounts on the money in my account from day one. Last weekend the market was really down their supposed to put a trading halt on they didnt i lost alot of money because they kept it active. Now this weekend the markets up and now they put a trading halt on so i cant make any money this is not what they advertise and what they state should happen! I figure im missing around XXXX dollars give or take. I want to get rid of margin investing but cant i lost to much money if id close margin investing and to do so id lose more money because XXXX XXXX to sell numerous stocks and each one they charge hidden fees. They dont have a phone number advertised or an address. Their trying to be discreet because their fraudulently scamming people out their money. And they did have at least live chat since i started complaining about the mistakes and errors and misleadings the shut down the live chat you can only email and their not responding to my emails.You cant even print anything out because everything is trough their app so i cant have an accountant go over my account. Their purposely doing all these things taking my money in fraudulent ways. I can handle losing money honestly but not like this. Im down around XXXX XXXX dollars in last 10 days alone in the different ways they havnt allowed me to trade freeing my stocks but keeping them open during heavy losses and their hidden amounts that they charged in margin investing without nottification. I need your help i wan na close my account but down to much money. This is my financial livilihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I had open a self credit building account to help me improve my credit and XXXX morning I received an email alert saying my checking account was overdrawn by {$50.00} XXXX check my account and saw self had taken XXXX payments from my checking account without my permission. I called self and ask to have this account closed. I was told in order for self to close my account I have to pay {$30.00} XXXX paid the {$30.00} and I was told in XXXX the account will be removed from my account. Self policy says you can close your account at anytime so I requested for my account to be closed and removed from my credit report, the agent I spoke said it will take XXXX I said ok. It has been 2 years and they are still reporting on my report that my account has a late payment and paid closed. I have reached out to self several times requesting the account to be removed and was told it will take XXXX. Today is XX/XX/scrub>XXXX XXXX XXXX  I called self requesting the deletion of this account and was told that they can not remove the account. The representative was very unprofessional and 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 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I had open a self credit building account to help me improve my credit and XXXX morning I received an email alert saying my checking account was overdrawn by {$50.00} XXXX check my account and saw self had taken XXXX payments from my checking account without my permission. I called self and ask to have this account closed. I was told in order for self to close my account I have to pay {$30.00} XXXX paid the {$30.00} and I was told in XXXX the account will be removed from my account. Self policy says you can close your account at anytime so I requested for my account to be closed and removed from my credit report, the agent I spoke said it will take XXXX I said ok. It has been 2 years and they are still reporting on my report that my account has a late payment and paid closed. I have reached out to self several times requesting the account to be removed and was told it will take XXXX. Today is XX/XX/scrub>XXXX XXXX XXXX I called self requesting the deletion of this account and was told that they can not remove the account. The representative was very unprofessional and 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 2025-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Accounts Service
State: CA

Complaint narrative:
XXXX is reporting medical debt on my credit report that is now against California XXXX XXXX XXXX XXXX law. 

California Accts Svc # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-01-08 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Bull City Financial ( {$240.00} Collections ) has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed this debt agency that information was compromised. This is not a credit transaction initiated by me. Additionally, I will be filing federal complaints against XXXX XXXX XXXX for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. XXXX XXXX XXXX failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. 
This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested for XXXX XXXX XXXX to provide verifiable proof of this debt and clarification of how this alleged collections was verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given XXXX XXXX XXXX a fair opportunity to clear this up, however I am still being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-08 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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