vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 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: SC

Complaint narrative:
My rights enacted by the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Privacy Act of 1974 are in violation by the unaffiliated 3rd parties this complaint is addressed to for negative and defamatory items which have been placed on my credit report. I have included attached documents highlighting these items. As per 15 United States Code 6802 ( b ) and ( c ), which are included within the Statutes At Large, I was never provided knowledge nor disclosure of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition, there are late payments being listed which were never verified and violated my rights per XXXX United States XXXX XXXX. Both the credit furnisher and credit reporting agencies ( XXXX, XXXX and Equifax ) are in violation of these Acts. The credit reporting agencies are unable to provide adequate verifiable proof which has also been attached within the document ( XXXX ) uploaded, providing the exact types of acceptable proof to be considered verified. Lack of this acceptable proof based on their claim means there is a lack of Corporate Compliance and is essentially a crime. If the proper steps to my Letters of Instruction are not rectified within 30 days and updated immediately with proof of the update, then I will exercise my rights to take legal actions whether by filing a claim through XXXX, XXXX XXXX and by filing a claim against their bonds and insurances. I will also put my local Consumer Affairs agency and my states Attorney General on notice. Lastly, since all parties are currently the acting Fiduciary agents over my entrusted interests and information, I will take this matter to Federal court to seek the highest claim of the Federal Reserve Act Section 29. I hope to get this matter resolved immediately and amicably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: SC

Complaint narrative:
My rights enacted by the Fair Credit Reporting Act, the Fair Credit Billing Act, and the Privacy Act of 1974 are in violation by the unaffiliated 3rd parties this complaint is addressed to for negative and defamatory items which have been placed on my credit report. I have included attached documents highlighting these items. As per 15 United States Code 6802 ( b ) and ( c ), which are included within the Statutes At Large, I was never provided knowledge nor disclosure of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt-out of my personal information being reported. In addition, there are late payments being listed which were never verified and violated my rights per 15 United States Code 1666b. Both the credit furnisher and credit reporting agencies ( Experian, XXXX and XXXX ) are in violation of these Acts. The credit reporting agencies are unable to provide adequate verifiable proof which has also been attached within the document ( XXXX ) uploaded, providing the exact types of acceptable proof to be considered verified. Lack of this acceptable proof based on their claim means there is a lack of Corporate Compliance and is essentially a crime. If the proper steps to my Letters of Instruction are not rectified within 30 days and updated immediately with proof of the update, then I will exercise my rights to take legal actions whether by filing a claim through Arbitration, Smalls Claims and by filing a claim against their bonds and insurances. I will also put my local Consumer Affairs agency and my states Attorney General on notice. Lastly, since all parties are currently the acting Fiduciary agents over my entrusted interests and information, I will take this matter to Federal court to seek the highest claim of the Federal Reserve Act Section 29. I hope to get this matter resolved immediately and amicably.

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 2024-11-23 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: PA

Complaint narrative:
I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : 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 XXXXXXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 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: PA

Complaint narrative:
I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question 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 XXXXXXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.

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 2024-11-23 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: CA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C System is reporting incorrect information and account is not open

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 2024-11-23 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: IL

Complaint narrative:
Experian refuse to update XXXX on my report. XXXX and XXXX have both updated the account has been settled. If Experian actually called to verify versus responding its accurate you wouldnt be hearing from me. Im starting here but also reaching out to the news. I know Im not the only one this agency is harming

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 2024-11-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-11-23 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: IA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists Credit card opened at XXXX XXXX XXXX XX/XX/XXXX account # XXXX, XXXX XXXX XXXX XX/XX/XXXX account # XXXX, XXXX XXXX XXXX on XX/XX/XXXX account # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: CA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
This company took advantage of me by hiding the full auto loan cost and setting me up for failure. They did not tell me about the extra fees they charged me over the years and also they have been reporting my payment later every month for multiple years even after we agreed on {$120.00} payment. I have been paying {$120.00} on time but they still are reporting it late ever month. 

The total balance of the loan is not correct, they added extra interest and fees. Ive been paying on this loan for XXXX  months and they still wont release my title because they are saying i owe over {$1000.00}. They took advantage of me by hiding fees extra fees added on this loan. I am being charged extremely high interest and fees. 

And also they keep reporting my payments late on my credit report even after we agreed for {$120.00} payment which i am paying. I tried to get them to stop it but they still reporting late every month on my credit and its making it very hard get approved for anything.

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 2024-11-23 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: VA

Complaint narrative:
Upon reviewing my credit report, I discovered several inaccuracies and incomplete entries that require immediate correction. These errors directly affect my financial profile and my ability to access opportunities like securing loans or advancing my career. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report reflects accurate, verified, and legally compliant information. 

Here are the specific issues I identified : My date of birth is inaccurately listed as XXXX. 
XXXX incorrect names, XXXX XXXX XXXX XXXX XXXXXXXX, are associated with my credit file. 
An account from XXXX XXXX ( XXXX ) is inaccurately reported or unverified. 
XXXX collection accounts, XXXX ( XXXX ) and XXXX XXXX ( XXXX ), are listed without validation. 
I found unverified hard inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which need to be confirmed as permissible under 15 U.S.C. 1681b.

Under FCRA Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies ( CRAs ) and data furnishers have a legal obligation to investigate and correct inaccuracies within 30 days of receiving my dispute. If the information can not be verified, it must be promptly removed. Additionally, under XXXX XXXX compliance standards, any updates to my credit profile must adhere to industry requirements for accuracy and uniformity. 

These inaccuracies are not just clerical errorsthey impact my quality of life by limiting financial opportunities and causing unnecessary stress. I have formally requested a thorough investigation and expect verified documentation to support any data that remains on my credit report. If such documentation can not be provided, the incorrect information must be removed immediately. 

I trust this matter will be handled with the seriousness it deserves, and I expect a corrected credit report reflecting these changes within the XXXX timeframe mandated by law.

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 2024-11-23 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company LVNV FUNDINGXXXX XXXX XXXXXXXX XXXX XXXX XXXX  and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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:
Fraudulent accounts are being reported on my credit report and I would like them removed I have disputed these accounts previously they are against the consumer laws reporting inaccurate information to my credit report The Fair Credit Reporting Act ( FCRA ) protects consumers from fraudulent accounts on their credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES 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 2024-11-23 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: MA

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2024-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: CA

Complaint narrative:
so i contacted explore credit multiple times and was eventually to get {$100.00} payment for XXXX pay periods jsut to the original payday loan but then they went back on their words and said it was actually XXXX every XXXX weeks for a year and i dont have that money nor can i pay in full with the XXXX  % interest

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal 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 non-monetary relief
Consumer complaint received 2024-11-23 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
XX/XX/XXXX XXXXXXXX XXXX  i ordered a crypto currency XXXX. i sold XXXX and then my robinhood account became restricted. They tried to call me but I had school. i called their customer service waited 3+ hours in line and when it was my turn next the phone just hangs up. i cant withdraw money from robinhood to my bank account.

Company response to consumer: Closed with explanation