vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-21 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:
Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXXXXXX  XXXX XXXX XXXX XXXXXXXX XXXXL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX XXXX, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Transunion credit file of 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 2024-07-21 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: SC

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to XXXX ( b ) ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: NJ

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for the following key issues : XXXX. XXXX XXXX and XXXX : The company failed to provide proper notice and conduct the repossession sale in a commercially reasonable manner as required by law. 

XXXX. Inaccurate Reporting : The account was inaccurately reported on my credit report, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to Validate the Debt : The company did not properly validate the debt or provide a breakdown of the sale proceeds as required by the Fair Debt Collection Practices Act ( FDCPA ). 

These issues have caused significant financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: MD

Complaint narrative:
On or about XXXX of 2024 I sent in a letter to each Bureau to update inaccurate information that was being reported on my Credit Report after receiving an update which did not have any resolution a reinvestigation letter was sent to each Bureau and still no results which still all Bureaus are still reporting the inaccurate information.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i sent in all different type of documents to the credit reporting agencies. like XXXX, XXXX 'S, ID, UTILITY BILLS, BANK STATEMENTS, PAYSTUBS. THEY STILL RE FEW TO REMOVE THE INACCURACIES. THE ACCOUNT ARE INCOMPLETE AND NEEDS TO BE REMOVED.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i sent in all different type of documents to the credit reporting agencies. like XXXX, XXXX 'S, ID, UTILITY BILLS, BANK STATEMENTS, PAYSTUBS. THEY STILL RE FEW TO REMOVE THE INACCURACIES. THE ACCOUNT ARE INCOMPLETE AND NEEDS TO BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i sent in all different type of documents to the credit reporting agencies. like XXXX, XXXX 'S, ID, UTILITY BILLS, BANK STATEMENTS, PAYSTUBS. THEY STILL RE FEW TO REMOVE THE INACCURACIES. THE ACCOUNT ARE INCOMPLETE AND NEEDS TO BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
Dear sir I am writing you this communication to inform you that I requested documents from united auto credit about XXXX ( XXXX ) to XXXX ( XXXX ) weeks ago in regard to XXXX  XXXX XXXX  that was repossessed i have not gotten a responce as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX dept bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four day business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXXXXXX {$6100.00}. XXXX XXXX XXXX XXXX {$1100.00}. XXXX XXXX - XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
Repeated contacts by text supposedly from XXXX XXXX XXXX, with instructions to call. Check with the website shows that the phone number provided, XXXX, is not that of the real XXXX XXXX XXXX. Website given is https : XXXX. I have been dealing with a lot of identity theft from former acquaintance and immigrants ; I suspect these texts are an attempt to extract personal information over the phone, or solicit fraudulent payments.

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts.Sunrise credit service {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Identity has been fully stolen and used. Fraud has caused multiple fraudulent accounts to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: TX

Complaint narrative:
Upon reviewing my XXXX XXXX, I discovered some instances of late payments on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX I, XXXX, XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

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 2024-07-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2024-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On Thursday, XX/XX/XXXX I contacted XXXX to inquire about the timeline for the return of my funds. They indicated that it would likely be a lengthy process. As a result, I informed them that I would file a dispute to expedite the process. Shortly thereafter, on the following day, XXXX unexpectedly returned my funds. 
Upon learning of this, I immediately contacted Robinhood to request the withdrawal of the dispute claim. Unfortunately, it appears that my account had already been closed earlier that day. 

I was unable to check my account earlier due to work commitments. However, I took prompt action to resolve the situation as soon as I was made aware of the funds being returned. 

I requested I requested that they overturned I requested that the overturned decision to close my account as there was no malicious intent in my actions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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:
Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint because Transunion, LLC., is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX XXXX XXXX Consumer, severe financial distress, causing her to be unable to extend credit. These accounts need to be purged, deleted, and/or removed from the Transunion credit file of 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 2024-07-21 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: MA

Complaint narrative:
XXXX XXXX XXXX This account is closed please DELETE it from my report immediately. UNDER 15USC.

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 2024-07-21 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: MA

Complaint narrative:
XXXX XXXX XXXX This account is closed please DELETE it from my report immediately. UNDER 15USC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: MA

Complaint narrative:
XXXX XXXX XXXX This account is closed please DELETE it from my report immediately. UNDER 15USC.

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 2024-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: RI

Complaint narrative:
Letter states I have an account with this company, I never signed an agreement with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: Block, Inc.
State: WA

Complaint narrative:
i have XXXX in cashapp XXXX they will not let me cash this money out withdraw the money or transfer this money I have validated myself multiple times on this account and they still wont give me access to my money. i have called multiple times To get multiple responses, one they can't withdraw the money out of XXXX The second one, there's nobody to do it. Third, they won't give me any way of contacting the XXXX people. They just keep giving me their email. But I don't get any email back from XXXX on cash app in order to cash this money back out to another account so i can close the account out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: PA

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have/am requested they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to.

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 2024-07-21 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XX/XX/XXXX Midland Credit Management , Inc. 
The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I am writing to dispute the collection account referenced above, which appears on my credit report. I am a victim of identity theft, and this account is not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and request its removal if it can not be verified. The account in question was opened fraudulently using my personal information without my knowledge or consent. 

Upon contacting the collection agency to dispute this account, I was informed that they have the incorrect name associated with the account. Despite this acknowledgment, the collection account continues to appear on my credit report, causing significant harm to my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report and have it corrected or removed if it can not be verified. The collection agency 's failure to correct this error and the continued presence of this incorrect information on my credit report is a clear violation of my rights under the FCRA. 


The details of the disputed account are as follows : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Collection Amount : {$620.00} Date of First Delinquency : XX/XX/XXXX Date of Collection Report : XX/XX/XXXX I request that you : 1. Conduct an investigation into this matter. 
XXXX. Remove this fraudulent collection account from my credit report immediately. 
XXXX. Cease all collection activities related to this account. 
XXXX. Provide written confirmation that the account has been removed from my credit report. 

I am requesting the Consumer Financial Protection Bureau 's assistance in investigating this matter and ensuring that the collection agency and the credit reporting agencies comply with their obligations under the FCRA. This inaccurate information must be removed from my credit report promptly. 
Please investigate this matter and instruct the collection agency and the credit reporting agencies to remove the incorrectly associated collection account from my credit report. I request a written confirmation once the investigation is complete and the account has been removed. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-21 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: NJ

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for the following key issues : 1. Improper Notification and Procedure : The company failed to provide proper notice and conduct the repossession sale in a commercially reasonable manner as required by law.

2. Inaccurate Reporting : The account was inaccurately reported on my credit report, violating the Fair Credit Reporting Act ( FCRA ). 

XXXX. Failure to Validate the Debt : The company did not properly validate the debt or provide a breakdown of the sale proceeds as required by the Fair Debt Collection Practices Act ( FDCPA ). 

These issues have caused significant financial and emotional distress.

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 2024-07-21 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: MD

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-21 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: MD

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6

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 2024-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: AL

Complaint narrative:
I paid in full my balance with this creditor 2 months ago. They were supposed to change my status and balance on my credit as paid. Nothing has been updated.

Company response to consumer: Closed with explanation