vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
XXXX, XXXX, & Equifax continues to report the account listed as XXXX incorrectly. It has several inconsistencies which means this account could not have been verified or validated correctly. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Closed Paid Paid Creditor Type : Bank - Student Loans Student Loans Miscellaneous Finance Payment Status : Current Late 120 Days Current Creditor Remarks : Closed - Closed or paid account/XXXX balance Student loan Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is reporting late payment in the month of XXXX & XX/XX/XXXX and XX/XX/XXXX. The payments for XXXX and XXXX both say 90 days this can not be true. 

XXXX is reporting late payments in the month of XXXX and XXXX of XXXX. There are also late payments in XXXX, XXXX, XXXX, and XXXX of XXXX. The late payments for XXXX and XXXX both say 90 days this can not be accurate. 

Equifax is reporting late payments in XXXX & XXXX of XXXX. Also XXXX, XXXX, XXXX & XXXX of XXXX. XXXX and XXXX both say 90 days this can not be accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
XXXX, Experian, & XXXX continues to report the account listed as XXXX incorrectly. It has several inconsistencies which means this account could not have been verified or validated correctly. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Closed Paid Paid Creditor Type : Bank - Student Loans Student Loans Miscellaneous Finance Payment Status : Current Late 120 Days Current Creditor Remarks : Closed - Closed or paid accountXXXX  balance Student loan Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX is reporting late payment in the month of XXXX & XX/XX/XXXX and XX/XX/XXXX. The payments for XXXX and XXXX both say 90 days this can not be true. 

Experian is reporting late payments in the month of XXXX and XXXX of XXXX. There are also late payments in XXXX, XXXX, XXXX, and XXXX of XXXX. The late payments for XXXX and XXXX both say 90 days this can not be accurate. 

XXXX is reporting late payments in XXXX & XXXX of XXXX. Also XXXX, XXXX, XXXX & XXXX of XXXX. XXXX and XXXX both say 90 days this can not be accurate.

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 2024-04-16 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: MN

Complaint narrative:
I am writing to the Consumer Financial Protection Bureau regarding XXXX, Equifax, and XXXX, all of which are reporting false and misleading information, each different from the others. For starters, they are reporting the wrong name. 

I am constantly receiving credit cards sent to my address with other last names, which stops me from applying because if I apply, they send me cards with a false last name and do not allow me to change it until after I receive the card with the incorrect last name. 

On XXXX, it shows a positive account with XXXX XXXX, but with XXXX, they are reporting it as XXXX I have not missed a payment. Also, EQUIFAX is reporting it as negative as well. I have sent XXXX rounds of letters to them, and nothing has changed, nor have they explained why there is this mismatched information. I want all three reporting agencies to report the positive account that XXXX has been reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Next, XXXX XXXX, is an auto company that is closed and reports negatively on all three credit bureaus, impacting my credit and affecting my chance to get a car loan. I have a XXXX child who needs constant care, and I can not receive a car loan because of this closed account. I have tried to dispute it XXXX times and have not received an explanation as to why they are constantly reporting negativity. I would like the account completely removed from my credit reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Thirdly, XXXX is reporting a medical debt, XXXX, of a debt I have previously disputed and had deleted multiple times. A debt that has been deleted on EQUIFAX and XXXX because of their misinformation. I am asking for that to be deleted from my credit report. 

Again, I am a mother of XXXX with a XXXX child, and this information on my credit report has become detrimental to my credit health and preventing care for my children, especially my XXXX child.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: MN

Complaint narrative:
I am writing to the Consumer Financial Protection Bureau regarding XXXX, XXXX, and Experian, all of which are reporting false and misleading information, each different from the others. For starters, they are reporting the wrong name. 

I am constantly receiving credit cards sent to my address with other last names, which stops me from applying because if I apply, they send me cards with a false last name and do not allow me to change it until after I receive the card with the incorrect last name. 

On XXXX, it shows a positive account with XXXX XXXX, but with EXPERIAN, they are reporting it as XXXX I have not missed a payment. Also, XXXX is reporting it as negative as well. I have sent XXXX rounds of letters to them, and nothing has changed, nor have they explained why there is this mismatched information. I want all three reporting agencies to report the positive account that XXXX has been reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Next, XXXX XXXX, is an auto company that is closed and reports negatively on all three credit bureaus, impacting my credit and affecting my chance to get a car loan. I have a XXXX child who needs constant care, and I can not receive a car loan because of this closed account. I have tried to dispute it XXXX times and have not received an explanation as to why they are constantly reporting negativity. I would like the account completely removed from my credit reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Thirdly, XXXX is reporting a medical debt, XXXX, of a debt I have previously disputed and had deleted multiple times. A debt that has been deleted on XXXX and EXPERIAN because of their misinformation. I am asking for that to be deleted from my credit report. 

Again, I am a mother of XXXX with a XXXX child, and this information on my credit report has become detrimental to my credit health and preventing care for my children, especially my XXXX child.

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 2024-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Payments was submitted twice in an error need payment was submitted by the bank bank error please with consideration reopened account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I sent letters asking for validation of debt, original contractual agreements between myself the consumer and the agency that is alleged to be owed XX/XX/2023, as I have never conducted business with any of these organizations ever that are appearing on my reports. No response was received and the debt continues to remain on all of my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: FL

Complaint narrative:
I am a victim of identity theft I would like if my report can be anaylze and deleted of the accounts that has been listed please. I did not give any Authorization to anyone to open in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from 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 2024-04-16 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: GA

Complaint narrative:
Experian is inaccurately reporting the accounts listed as XXXX. Experian is the only credit bureau reporting this alleged debt and they have provided me with evidence that they performed a reasonable investigation that actually validated this information. Furthermore I am unable to be indebted to any creditor as the negotiable instrument being used in this transaction gains interest from the trading. The only reason Experian continues to report this information is because they are paid from the selling of consumers information and transactions with companies.

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 2024-04-16 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: FL

Complaint narrative:
XXXX XXXX After reviewing my credit profile. The payment history is inconsistent amongst all XXXX bureaus from XX/XX/XXXX until XX/XX/XXXX. XXXX is verifying on time payment for some months that Equifax XXXX XXXX is showing late. How was this account verified? 

How can all XXXX bureaus show different payment history for XXXX account? This is a violation of FCRA laws and my consumer rights.\ Under 15 U.S.C. 1681i Paragraph ( 5 ) 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.

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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:
Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: NC

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2024-04-16 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-04-16 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: SC

Complaint narrative:
I wrote XXXX XXXX to let them know that they were sharing my nonpublic personal information with an unaffiliated 3rd party without my written consent. I asked them to stop, but I am still receiving notifications that they continue to report these adverse claims.

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 2024-04-16 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: GA

Complaint narrative:
Transunion, XXXX, & XXXX continues to report the account listed as XXXX incorrectly. It has several inconsistencies which means this account could not have been verified or validated correctly. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Closed Paid Paid Creditor Type : Bank - Student Loans Student Loans Miscellaneous Finance Payment Status : Current Late 120 Days Current Creditor Remarks : Closed - Closed or paid account/zero balance Student loan Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX TransUnion is reporting late payment in the month of XXXX & XX/XX/XXXX and XX/XX/XXXX. The payments for XXXX and XXXX both say 90 days this can not be true. 

XXXX is reporting late payments in the month of XXXX and XXXX of XXXX. There are also late payments in XXXX, XXXX, XXXX, and XXXX of XXXX. The late payments for XXXX and XXXX both say 90 days this can not be accurate. 

XXXX is reporting late payments in XXXX & XXXX of XXXX. Also XXXX, XXXX, XXXX & XXXX of XXXX. XXXX and XXXX both say 90 days this can not be accurate.

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 2024-04-16 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I uploaded money into my robinhood account on XX/XX/XXXX which was made available on XX/XX/XXXX I then requested the company help me open an IRA account which I had to eventually do myself in turn the company restricted my account after days and days of reaching out to unhelpful customer service agents with a number you can call that wont allow me to make a call and speak with an actual rep who can help now they have turned off my withdrawals and deposits making it impossible to get my funds from them they requested documentation for me to send to them so I can make the funds withdrawable no response after 4 days no call backs absolutely nothing whatsoever from robinhood.com

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-16 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position.

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 2024-04-16 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: GA

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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