vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
The company XXXX XXXX XXXX XXXX has a cease and desist order on their account. They were mailed and emailed one. USC 15 S 1692a ( 2 ) defines communication as means the conveying of information regarding a debt directly or indirectly to any person through any medium.. XXXX XXXX XXXX XXXX reporting to Equifax is medium of communication. XX/XX/XXXX and the account has been charged off since XXXX I given them a refusal to pay this debt they charged off exercising my RIGHTS per 15 USC S 1692C section C. The account is reading as charged off which they are claiming as a profit loss to the IRS but are still reporting a balance of {$410.00} on my credit report which is an illegal practice. I never received a copy of the 1099-C 15 USC S1681a Section 2_excludes my transactions and history from my consumer report. PER 15 USC S 6802 ( B ) ( 1 ) ( a ) ( b ) ( c ) there were never instructions on any letter you sent me for an option to OPT out of any of this information being reported on my consumer report. Therefore my information is being illegally reported without XXXX XXXX the consumer 's consent. 

Equifax is participating in this illegal practice by allowing a tax income break as an owed balance Ive attached my ID and Bank statement and a piece of for confirmation of my identity and account. 

Ive filed a complaint with the XXXX about this practice as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This problem is still hear. They have done nothing even after I sent the court orders. All three credit reporting agencies refuse to remove this support order. I asked for a copy they have they refused to send it. The credit reporting agencies still show it on 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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Theres addresses on my credit report that doesnt belong to me And I can send you my drivers license to confirm my real address and I would like those addresses removed and deleted from my account and my name is incorrect.. Im the second and my father and I have the same name..

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was CHARGE OFF on the following date [ XXXX, 2022 ]. Since then, the account has repeatedly been updated as Charge-Off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account immediately : Equifax : [ XXXX, XXXX ] [ Account number : XXXX ] I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by [ XXXX, XXXX ] [ Account number : XXXX ] substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

According to FCRA 611 ( 15 U.S.C. 1681I ) ( PROCEDURE IN CASE OF DISPUTED ACCURACY ) they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In my case as a consumer, my credit report has to be 100 % accurate. Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act 611 ( a ) ( 7 ), i'm going to file a Small Claims lawsuit against you if you do not Delete and Remove this account from my Credit Report for Violations of the Fair Credit Reporting Act - including but not limited to Section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
To whom it may concern : I have sent a letter of appeal to Capital One for the removal of the XXXX alleged late payments for XXXX - XXXX of 2024. 

My report recently reflects XXXX alleged late payments. The inconsistencies show my credit is being mishandled. The inconsistencies and lack of accuracy is affecting my progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I found derogatory information on XXXX credit report about a debt of {$590.00} from a company called XXXX XXXX XXXX. I am unaware of a company called XXXX XXXX XXXX and whether they are a legitimate company. I did not contact them directly because of this. I have never received notification of this debt prior to it showing up on my credit report in XX/XX/year>. I have not received any notice in writing from the company either through the mail or by electronic means. I have also not received any contact by phone. Because none of this contact occurred, I do not know who the original creditor may be and if this is indeed my debt. Since I do not know about this company or debt and have not received written notification, I was not allowed to dispute or pay the debt prior to it showing up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX. XX/XX/XXXX, XXXX {$1200.00} XXXX {$0.00} XXXX XXXX, XXXX {$0.00} XXXX XXXX, XXXX {$0.00} XXXX XXXX, XXXX {$500.00} XXXX XXXX, XXXX {$120.00} XXXX XXXX, XXXX {$500.00} XXXX XXXX, XXXX {$510.00} XXXX XXXX, XXXX {$5900.00} XXXX XXXX, XXXX {$390.00} XXXX XXXX, XXXX {$0.00} Action taken by me requesting to validate or remove from credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-11-21 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: TX

Complaint narrative:
My information was compromised due to a data breach and there is unauthorized accounts on my report that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
I receive call on a daily basis to collect a debt that my parents have. The company is trying to say I co-signed for a lease. I have told them over and over I never co signed anything and pleas provide the doctor. I never received the doctor, just abrasive agents trying to get me to pay debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: AK

Complaint narrative:
My original loan amount for a condo in XX/XX/XXXX was {$160000.00}. The remaining principal is {$150000.00}. That condo is now estimated at {$230000.00} in XX/XX/XXXX. 

My home is well over value, I have never missed a payment, and requested PMI be removed. Freedom Mortgage started the process of removing PMI, cashed my check to pay for a brokers opinion inspection, and then transferred my loan before the process was complete. Ultimately they took my " non refundable '' {$150.00} payment for the inspection and are refusing to complete the PMI removal process due to their decision to transfer the loan. 


XX/XX/XXXX I sent an email asking for my PMI to be removed from my mortgage at Freedom Mortgage Company. 

XX/XX/XXXX I received an email that they forwarded my message and will mail me a letter. 

XX/XX/XXXX Freedom mortgage dated a letter to me sent via XXXX. 

XX/XX/XXXX I received an email with the XX/XX/XXXX dated letter saying that I needed to mail in a completed form, NON-REFUNDABLE {$150.00} check and wait to be contacted by a Broker to get a price opinion. 

XX/XX/XXXX I paid for a stamp to mail the completed letter to Freedom Mortgage and a check for {$150.00}. 

XX/XX/XXXX I received an email from Freedom Mortgage stating that my loan was being transferred effective XX/XX/XXXX to XXXX XXXX XXXX. I called Freedom Mortgage to see what would happen with my pending PMI removal and they said nothing would happen with that and to wait until the mortgage transfers to remove PMI. 

XX/XX/XXXX Freedom Mortgage cashed my check for {$150.00}. 

XX/XX/XXXX I received a call from a Broker to schedule a price opinion for Freedom Mortgage. I called Freedom Mortgage and again was told to wait until the loan transfers to XXXX XXXX. I explained that the removal of PMI was already in process before the loan was going to be transferred and I already paid for it. The customer service agent had no additional information and transferred me to a sales associate who was not able to help me. I then sent another email to Freedom Mortgage requesting a call regarding this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: OH

Complaint narrative:
Dear CFPB, Im writing about a serious issue with my robinhood account, on XXXX I opened a robinhood account and deposited money to buy crypto which I was willing to transfer to my coinbase account, I deposited XXXX dollars on XX/XX/year>. Shortly after that my account was restricted meaning that I wouldnt be able to transfer or withdraw my funds, at first they didnt give me a date to which they will contact me, but then they said that they will contact my on XX/XX/year> and on that day the moved the date to XX/XX/year> and on XX/XX/year> the said that they will contact me on the XXXX so I sent them a message on the app regarding this problem and how frustrated I was. They responded by restricting my account and asking for my ID, pictures, and a bank statement and all that should be submitted within 14 days. I opened the app and I couldnt find where to submit those documents, I also couldnt request a call because there wasnt an option for that. I have some money in that account and as a college student I need every bit of it, and they closed my account and theres no way for me to open it or do something about it. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Credit Bureaus for Inaccurate Reporting Dear Sir/Madam , I am writing to formally file a complaint against the three major credit bureausEquifax, XXXX, and XXXX reporting inaccurate information on my consumer credit report. 

As outlined in 15 U.S. Code 1681, the accuracy and fairness of credit reporting are crucial not only for the integrity of the banking system but also for consumer confidence. Inaccurate credit reports can lead to significant adverse consequences for consumers, including denial of credit, higher interest rates, and damage to their reputation. 

Despite my efforts to rectify the inaccuracies reported by these agencies, they have failed to investigate my claims thoroughly or provide adequate responses. This not only violates my rights as a consumer but also undermines the essential function of credit reporting agencies as described in the Congressional findings.Im attaching a copy of my Credit Card Statement for documentation showing when my credit card company reports to the credit bureaus, and you can clearly see the violation. 

I request your assistance in investigating this matter and ensuring that the credit bureaus adhere to their legal obligations to maintain accurate and fair reporting practices. I would appreciate any guidance you can provide on the next steps I should take. 

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

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: WA

Complaint narrative:
The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXXXXXX - XXXX - {$85.00} XXXX XXXX XX/XX/2024 Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings
State: CA

Complaint narrative:
I recently filed complaint against XXXX and Zions Collections because they are trying to collect for services I cancelled and paid. I explained how I tried cancelling for months in XXXX, and they keep billing me over and over. I explained how I made a final payment months after I tried cancelling, and they still keep billing. 

I then showed proof of my cancel notices and certified mail receipts of cancelled notices to Brinks and to other collectors who were collecting. Finally, I showed proof I tried to dispute this with XXXX and they still keep collecting. I then file a complaint with your agency showing you XXXX still keeps trying to cheat me and collect on something I cancelled. 

You know what XXXX does? XXXX says my cancelation is invalid because I was past due in XXXX and I tried cancelling in XXXX. It is the dumbest thing I ever heard in my life. What do you mean my cancelation is invalid? They have to accept my cancelation no matter how much money I owe. So just because someone is a past month due, they can't cancel services? So, a company can just keep billing someone forever? We both know that is not true, but the collection is making that stupid excuse to YOU to keep breaking the law and keep trying to collect from me. Now they are saying if I pay this in full, they will delete it. But why should I pay for something I don't owe, already paid, and cancelled numerous times? 

And their excuse is stupid for other reasons too. Even if I was late in XXXX when I cancelled in XXXX, the paperwork they showed me with all the payments says I paid them in full {$320.00} in XXXX and there was {$0.00} balance. That is after I already cancelled Brinks in XXXX in writing. If I cancelled them in XXXX, and I paid them in full in XXXX, then why they keep billing me after that? I will now show you their stupid response they filed to you and their new e-mail trying to have me pay them. 

Must I hire lawyer to sue them? Do they just get to say lies to you and get away with it? Does this complaint even do anything? Please help me to get them to stop collecting this debt I do not owe. I did everything right and I already paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Why until now these incorrect information are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible

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 2024-11-21 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: CA

Complaint narrative:
Why until now these incorrect information are still here it's been a while since I've done this I have filed a complaint with the FTC for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: WA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime Financial opened up a credit account ( Acct XXXX ) on XX/XX/year> using my social security number. This account was reported to XXXX and XXXX and was included in my credit file. My credit is locked/frozen for both credit bureaus, but Chime still somehow opened this account. 

After receiving the credit alert from TransUnion and Equifax of the new account, I contacted Chime to report the fraud. They could not locate any record of the account, despite having reported the account to 2 credit bureaus. Because of this, they also refused to open up an investigation of fraud so that bureaus can take action to remove the account reported by Chime from my credit report. 

My credit has been negatively effected by Chime 's fraudulent activities.

Company response to consumer: Closed with explanation