vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates
State: CA

Complaint narrative:
XX/XX/year> Subject : Dispute of Inaccurate Information on Consumer Report FCRA Code : 15 USC 1681i I am writing to formally dispute multiple inaccuracies present in my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i.

Upon thorough review of my credit report, I have identified several accounts that contain erroneous information : XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the XXXX credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] These discrepancies significantly misrepresent my credit history and may adversely affect my credit standing. In accordance with the FCRA, I respectfully request that you conduct a comprehensive investigation into these matters and ensure that all inaccurate accounts are permanently removed from my credit profile. 

I have compiled supporting documentation that substantiates my claims, which I will upload with this correspondence. This documentation includes screenshots of multiple inaccurate accounts reporting to all XXXX credit bureaus. ( XXXX, XXXX, and XXXX ) I appreciate your prompt attention to this matter and look forward to receiving your confirmation of receipt of this dispute, as well as the results of your investigation. 

Thank you for your cooperation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I was waiting for a refrigerator repairman and received a text saying that in order for him to come I needed to send {$50.00} deposit. I knew this was unusual but I was desperate as I was waiting XXXX weeks for this without a working fridge. 
I sent it and immediately realized it was a scam. I unfunded it and immediately called Venmo. They didnt care. They said they would rescind the transaction or close the scammers account. 
They said I must pay the scammer. 
I have refused and wont use their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-06 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 2025-03-06 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: VA

Complaint narrative:
I am disputing inaccurate late payments and fraudulent inquiries on my credit report, as they are negatively impacting my financial standing. Upon reviewing my file, I found discrepancies that do not belong to me. Under the Fair Credit Reporting Act ( XXXX ), I have the right to dispute any information that is inaccurate, unverifiable, or outdated. 
All reported data must be accurate, fully documented, and compliant with federal and state regulations before being shared with creditors. The late payments and unauthorized inquiries on my report do not meet legal reporting standards and must be validated with proper evidence. As per FCRA and XXXX XXXX compliance requirements, you are responsible for ensuring the accuracy of all reported information. If these items can not be fully substantiated, they must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: AmWest Funding Corp.
State: MD

Complaint narrative:
I requested that the company provide verification of items pertaining to my ( so called loan ) and to not make any negative credit reporting while doing so however the company has not provided the requested information and they have proceeded to report negative information on my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: OneMain Finance Corporation
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: World Acceptance Corporation
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional XXXX that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: TX

Complaint narrative:
Someone is wrongfully using my info and i would like this removed from my credit report XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$94.00}

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 2025-03-06 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: Synovus Bank
State: TX

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally lodge a complaint regarding a significant financial loss I have incurred due to an undue delay in processing a wire transfer by Bank of America. 

On XX/XX/year>, I initiated a wire transfer in the amount of {$18000.00}. Despite confirming the legitimacy of this transaction, the funds have been delayed beyond a reasonable timeframe, causing me substantial financial harm. 

This delay has resulted in a loss of {$85000.00}, impacting a critical investment opportunity. The confirmation number for the wire transfer is XXXX. 

I trust that your office will investigate this matter thoroughly and hold the responsible parties accountable. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-03-06 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:
I have filed several disputes concerning these accounts that are being reported inaccurately on my credit report. Additionally, I have submitted multiple requests for updates on the account that needs correction. Despite this, these companies have refused to address the disputes, even though they are legally obligated to do so. 

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 2025-03-06 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: MI

Complaint narrative:
Identity theft and fraudulent activities XXXX XXXX ( XXXX ) XXXX this cfpb complaint has been filed to request pursuant to fcra 605b ( 15 U.S.C 1681c-2 ) that you TransUnion credit reporting agencys block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a collection account opened at XXXX XXXX XXXX XXXXXXXX with a balance of XXXX, another collection account opened at XXXX XXXX XXXX XXXX with a balance of XXXX, and an collection Account opened on XXXX from XXXX XXXX XXXX with a balance of XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections. The aforementioned accounts, collections on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 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: MN

Complaint narrative:
I was informed via email my Robinhood account was being closed Friday XXXX XXXX due suspicious activity mind you my accounts been in good standing and well established since XXXX. The email stated any remaining funds in my account would be refunded to the linked bank or Id get email communication with further details. 

My account balance was {$1700.00} liquid just strictly purchase power from my sold securities and previously deposited money. 


I have gotten absolutely no clarification from Robinhood support, no answers to my questions and requests for a phone call or just my money to be sent to me. 

On XX/XX/XXXX I was emailed a docusign requesting an address and for me to sign for a check to be sent to me for the amount of {$410.00} The {$410.00} wasnt explained or any clarification why the amount was almost {$1300.00} short of the money owed to me for my account balance and I have asked Robinhood numerous times to fix the amount being sent to me and also clarification as to where that dollar amount even came from. 


Now on XX/XX/XXXX my account balance I can see still in my XXXX app shows {$1300.00} which was updated to reflect the deduction of {$410.00} but I still have no answer as to when my remaining money will be paid to me or if it will due to the account being closed. The money is mine and can be seen deposited within the past 30 days and I have no clue what the {$410.00} amount correlates to or why I wasnt sent my full account balance. 


I have had no luck trying to speak to anybody with Robinhood and just get the same generic emails from support stating your accounts closed and withdraws arent permitted nobody explained why I got the random email for the check being issued or what it was for, no statement that it was to cover my remaining account balance or anything. 



If the {$410.00} check shows in the mail I am still OWED {$1300.00} which is showing still in my account balance. 


Please help me get this resolved Im fine they are closing my account whatever but I need the funds associated to this account as THEY ARE MINE. 


Ive tried to create several support tickets with absolutely NO real solution to my issue other than generic automated support emails. No direct communication or phone calls are even available for support. Ive got no clarification as to whats going on and support seems to be very out of the loop and failed to consider this is someones money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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:
Someone is wrongfully using my info and i would like this removed from my credit report XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$94.00}

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