vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-02 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: NY

Complaint narrative:
I am writing to formally request the immediate removal of all outdated addresses from my consumer report, except my current address as stated on my New York State Identification Card, pursuant to my rights under federal law. This request is made in strict accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the accuracy, relevance, and confidentiality of information reported by consumer reporting agencies. 

Grounds for My Request, As per the FCRA, consumer reporting agencies are required to maintain information that is accurate, complete, and relevant. Reporting outdated addresses that I neither use nor receive mail at, nor list on applications, violates these provisions as these addresses are no longer accurate or relevant. These addresses are both misleading and unnecessary, potentially causing confusion or inaccuracy in my consumer report. 

Furthermore, I exclusively use my current address, as provided on my valid New York State-issued ID, for all official correspondence and applications. I do not reside, receive mail, or conduct transactions from any other addresses. Therefore, the inclusion of these non-current addresses on my consumer report is both inaccurate and unnecessary. By retaining outdated addresses, you are failing to meet the standards outlined by the FCRA for accurate reporting, specifically under Sections 1681i and 1681e ( b ). 

Legal Basis for Removal, Under Section 1681i ( a ) ( 1 ) ( A ) of the FCRA, I am entitled to dispute the accuracy of any information included in my consumer report, and your agency must promptly investigate and delete any information that can not be verified as accurate and complete. 

Furthermore : 1. FCRA Section 1681c - Restricts the inclusion of obsolete information on a consumer report. 
2. FCRA Section 1681e ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy. 

Outdated addresses are not only obsolete but also introduce potential risk to my identity security, especially if they reflect previous residences or erroneous data. Removing these addresses aligns with your obligation to ensure the report reflects only relevant and accurate data.

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 2024-11-02 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:
I am disputing several inaccuracies on my Experian credit report, including incorrect late payments on multiple Department of Education loans and other accounts. I request that Experian reinvestigate these inaccuracies and correct my credit report accordingly. 

XXXX XXXX XXXX XXXX Loan : Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting 4 late payments. 
Account # XXXX : Incorrectly reporting 3 late payments. 
Account # XXXX : Incorrectly reporting 3 late payments. 
Account # XXXX : Incorrectly reporting 3 late payments. 
Account # XXXX : Incorrectly reporting 3 late payments. 
Account # XXXX : Incorrectly reporting 4 late payments. 
Account # XXXX : Incorrectly reporting 4 late payments. 
Account # XXXX : Incorrectly reporting 3 late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorrectly reporting 9 late payments. 
XXXX XXXX XXXX XXXX  Account # XXXX : Dispute regarding missed payments. 
XXXX XXXX XXXX : Account # XXXX : Dispute regarding missed payments. 
XXXX XXXX XXXX : Account # XXXX : Dispute regarding missed payments. 
XXXX XXXX XXXX : Account # XXXX : Dispute regarding ownership of debt. 
XXXX XXXX XXXX XXXX Account # XXXX : Dispute regarding ownership of debt. 
Unauthorized Inquiries : Inquiry from XXXX on XX/XX/XXXX. 
Multiple inquiries from XXXX XXXX XXXX XXXX  XXXX XXXX, and others on XX/XX/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 2024-11-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized inquiries on my credit report. upon reviewing my credit report i noticed several inquiries that i did not authorize the following are : Reporting on Experian 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 XXXXXX/XX/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 2024-11-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
I have Robinhood account XXXX XXXX stock bonds others and XXXX day I can't go through like I XXXX XXXX password I change app can't go through so I stop trying XXXX times XXXX try to call email Robinhood but no respond the email me telling me something but it doesn't work finally I camey email XXXX I went through this time to my XXXX things change my Ira not there my XXXX dollars I sold my XXXX that I want to transfer withdraw didn't work for a long time is XXXX No More I was shock XXXX my account no is different XXXX I many change but my cash is gone XXXX Ira account please help.my email XXXX I have to use XXXX To work my account Robinhood I need to get my money back bec he has card in there individual spending like automatic XXXX they didn't even know me Like they erase my account no XXXX on my beneficiaries my families were erase XXXX it was all kinds of death date XXXX all Like that I have schedule XXXX according to XXXX XXXX they told me it's all sold out ask ur brokerage so I saw it before XXXX I can't even sell XXXX withdraw bec it's all in option margin I never did all those XXXX I told them that too

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt.

Please provide the following information : The name and address of the original creditor. 
A detailed statement of the amount owed, including interest, fees, and any other charges. 
Proof that I am responsible for this debt, such as a signed contract or other documentation. 
The date of the last payment made on this account. 
Documentation showing that you are legally authorized to collect on this debt in my state. 
Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act. 

Please send all requested information to the address above. 

Thank you for your attention to this matter. 

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: MD

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the inclusion of inaccurate information on my TransUnion credit report, which I believe is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. 

The following accounts do not belong to me : XXXX  XXXX Bankruptcy : Reference # XXXX XXXX  XXXX Bankruptcy : Reference # XXXX XXXX XXXX  : Reference # XXXX In accordance with 15 U.S.C. 1681 ( a ), I am entitled to privacy and accuracy in my credit report. Additionally, under 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ), TransUnion must not furnish or report any credit information without my written instructions, which I did not provide for these accounts. 

I request that the CFPB investigate this matter and require TransUnion to correct my report by removing these erroneous entries. Please find attached all necessary supporting documentation for your review. 

Thank you for your attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/year> I took my car into XXXX dealership to sell my car. I provided the dealership with the payoff amount. XX/XX/year> the bank reflected on my account that the balance was paid off and closed. I then took that information and reported it to the credit bureau and XX/XX/year> they said the disputes had been opened. I received a email from XXXX saying that the information will remain on the account. This information is inaccurate and should reflect the correct information that the account is paid and closed.

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 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: COMMERCE BANK

Complaint narrative:
I have an personal account with Commerce Bank and I still have a balance in my account. On Thursday XXXX, XX/XX/XXXX, XXXX time, I tried to log in to the account and found that I couldn't log in. I called the bank XXXX XXXX, and the bank 's staff enquired and said that my account was closed. She said the bank would email me with a reason and call me within 2 business days to see what to do. But on Friday night, I never received an email, and I sent an email to enquire and received no reply. Early Saturday morning, I called the bank 's service number XXXX again to consult, and the new staff said that she was not very clear about the matter, and asked me to contact other department later. I haven't received any reply ever since then.I have contacted three times for this matter, there is no way, please ask for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I purchased XXXX XXXX XXXX concert tickets for a total of {$150.00} from XXXX. The concert got rescheduled so I sold my tickets through live nation for a total of {$86.00} on XX/XX/year>. I also had to provide my SSN to them for a XXXX report, in order to sell the tickets, which was filled out on XX/XX/XXXX. On XX/XX/XXXX, my debit card information was compromised and I got a charge for {$220.00} from XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-02 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: NC

Complaint narrative:
On XX/XX/year> I notice the following collections placed on my credit reports under various names A collection was added to your file Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is XXXX XXXX XXXX and XXXX XXXX XXXX. 
i speak to a representative from the company and request they remove the collections on a call received from XXXX they hangup. i do no business with this company. this is fraud. 
i want them removed at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: NC

Complaint narrative:
On XX/XX/year> I notice the following collections placed on my credit reports under various names A collection was added to your file Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is XXXX XXXX XXXX and XXXX XXXX XXXX. 
i speak to a representative from the company and request they remove the collections on a call received from XXXX they hangup. i do no business with this company. this is fraud. 
i want them removed at once.

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 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
It has come to my attention several companies made hard inquiries to Transunion and XXXX without my permission or authorization and I would like the hard inquiries removed. Transunion and XXXX have infringed upon my rights as outlined in federal law. Under the provisions of 15 U.S.C. 1681a ( d ) ( 2 ) ( iii ), Transunion and XXXX has disclosed my information without my consent, directly violating my privacy rights. This action contravenes the Privacy Act of 1974, specifically 16 CFR Part 313, which mandates the protection of consumer data and requires opt-out notices. By failing to provide me with the opportunity to manage my data and protect my privacy, Transunion and XXXX has disregarded federal regulations. I contacted each bureau and they said I need to file a report and get a FTC number to remove. There were several hard inquires made : 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 non-monetary relief
Consumer complaint received 2024-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized inquiries on my credit report. upon reviewing my credit report i noticed several inquiries that i did not authorize the following are : Reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting on Transunion 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 XXXXXX/XX/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 2024-11-02 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: NY

Complaint narrative:
I am writing to formally dispute unauthorized inquiries on my credit report. upon reviewing my credit report i noticed several inquiries that i did not authorize the following are : Reporting on 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 XXXXXX/XX/XXXX Reporting on Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: MS

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State, Zip Code ] [ Date ] [ Debt Collectors Name ] [ Debt Collectors Address ] [ City, State, Zip Code ] Subject : Request for Debt Validation Account Number : [ Debt Account Number, if available ] Dear [ Debt Collectors Name ], I am writing regarding a notice I received about a debt you claim I owe. Under the Fair Debt Collection Practices Act, I am requesting that you provide validation of the debt, including the details necessary to substantiate the amount, origin, and ownership of the debt.

Please provide the following information : The name and address of the original creditor.

A detailed statement of the amount owed, including interest, fees, and any other charges.

Proof that I am responsible for this debt, such as a signed contract or other documentation.

The date of the last payment made on this account.

Documentation showing that you are legally authorized to collect on this debt in my state.

Until you provide the requested information, I ask that you cease all collection activities related to this account. Furthermore, please note that any attempt to report this debt to credit reporting agencies before validating it would be in violation of the Fair Debt Collection Practices Act.

Please send all requested information to the address above.

Thank you for your attention to this matter.

Sincerely, [ Your Signature ] ( if sending a hard copy ) [ Your Printed Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
It was caliber home loans. I had several modifications over the last XXXX years. During covid and right before covid I was going through problems. I had to take a leave of absence from work. I had arranged everything I needed to arrange with the company as far as payments and modification. However even though they told me it wouldn't affect my credit it did affect my credit. Even though this account is closed it's still showing up that I was delinquent. 

I have disputed this with the credit reporting agencies. I have also talked to caliber home loans. They said I had to fax something to somebody in some basement and some building somewhere. I have tried although I've never gotten a response. I was specifically told to not make payments because we're going through a modification. And that it would not affect my credit. I was specifically told about forbearance and how it would not affect my credit but it did. To the point where I can not get ahead in the world right now I can not buy a car because I need to get a car mine 's about to die but I can not get XXXX which means I can not get to work. Which means I can not pay my bills. Even at the end when I sold my house they told me I didn't have to make a payment. But when I was in the process of selling the house. But it's showing up as delinquent. I will try to find the files I have everything in storage for several years and now I just moved into a new place and now I'm packing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-02 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: LA

Complaint narrative:
I am disputing multiple inaccuracies on my Equifax credit report, including incorrect late payments on several Department of Education accounts. I have noted discrepancies in the reporting of late payments compared to my XXXX report. I request that Equifax reinvestigate these inaccuracies. 

DEPT OF ED : Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
Account # XXXX : Incorrectly reporting XXXX late payments. 
XXXX XXXX, XXXX : Account XXXX XXXX : Incorrectly listed as at least 120 days late, balance is {$0.00}. 
XXXX XXXX : Account # XXXX : Dispute regarding missed payments. 
XXXX XXXX XXXX : Account # XXXX : Dispute regarding missed payments. 
XXXX Account from XXXX XXXX : Account # XXXX : Dispute validity of this debt. 
Unauthorized Inquiries : XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX  inquiries on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXX. 
XXXX XXXX inquiry on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX inquiries on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief