vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-02-06 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
XXXX XXXX XXXX Account number XXXX Account type XXXX Loan Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late. 
Status updated XX/XX/XXXX Balance {$53000.00} Balance updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment {$1000.00} Original balance {$73000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experain, Transunion, and Equifax Request for Removal of Incorrect Information Based on Metro2 Standards Dear Sir/Madam, I am writing to formally dispute an account that is being incorrectly reported on my credit file in violation of Metro2 standards. The account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Report : XXXX and XXXX XXXX as well as payment history and amount off by a couple of dollars Upon reviewing my credit report, I believe that the information being reported is inaccurate or misleading due to [ explain the error in detailexamples could be : incorrect balance, wrong account status ( e.g., marked as delinquent when it was paid off ), or a payment history mistake ]. According to Metro2 standards, data furnishers must report accurate and complete information, and it appears that in this case, the reporting entity has failed to do so. 

Under the Metro2 guidelines, data reported to the credit bureaus must be accurate and properly reflect the true status of the account. This error is a violation of the Fair Credit Reporting Act ( FCRA ) and must be corrected or removed. 

I am requesting that this account be thoroughly investigated and removed from my credit report, or that the inaccurate information be corrected as required by Metro2 guidelines. 

For your reference, I have enclosed the following documentation to support my dispute : Please provide me with confirmation once this matter has been investigated and resolved. I expect to receive an update regarding this dispute within the statutory 30-day period. 

Thank you for your prompt attention to this matter. Should you need additional information, feel free to contact me. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX also inquiries Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX as well as correcting my information XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX That the only information that should be reporting on my credits bureaus Thank you

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 2025-02-06 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: TX

Complaint narrative:
Under XXXX USC XXXX ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a old account and XXXX XXXX is reporting this on my file when I reach out to tell them I had a account why in XXXX and that this was open fraudulently I was a victim of identity theft I have over 15 to 16 data breaches where my information has been stolen. I let XXXX XXXX know that the BMO Harris bank and the XXXX and all of the inquiries are not mine and I would like for them to be taken off. If not, I will have to resort in getting a lawyer. They can not give me a signed copy because this was opened up fraudulently online.

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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: SC

Complaint narrative:
I need your assistance in reviewing accounts from companies that have incorrectly reported late payments. After checking my credit report, I found that some accounts were marked late in error. There should be no late payment remarks on these accounts.

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 2025-02-06 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i did contact Transunion for hard inquiry that's was on my file about two months ago, and they didn't provide any information, and all the inquiry i didn't authorize XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : 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 2025-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Under " start a new claim, '' I did not find a scenario that exactly matches my problem, so if I have chosen the wrong one, please forward it to the division that can resolve this issue. 

I previously had " loans '' ( virtual credit card ) with the company AFFIRM. I had purchased several different items and paid each of them off before their due dates using transfers from my checking account when making the payments. 
Long after my last purchase was paid off, I started getting debits to my checking account in various amounts at random times from AFFIRM. I contacted them, and they insisted they are not debiting my account, despite the fact that I can show them the debits listed on my account. My only recourse was for my bank to place a blanket " stop payment '' order on ANY debits from Affirm. The stop payment expired after a year, so I had to renew it a couple of months ago because it's STILL an ongoing issue. The biggest problem is that when the debit from AFFIRM hits my bank, the funds are actually removed from my account until the bank catches it, reverses the debit, and puts the money back into my account. 
I have repeatedly asked AFFIRM to research the issue and find a solution, but all they will say is " They aren't debiting my account, and I do not have an outstanding balance on my account with them. ". I asked if they can research through their records using my bank routing number and checking account number to see from where and why my account is being debited, and they insist they can not do that. 
It is my personal " theory '' that perhaps somewhere along the line there have been data entry mistakes and they are inadvertently debiting MY account for SOMEONE ELSE 'S loan ( s ). 
I do have screenshots of my bank balance showing many of the times they have debited or attempted to debit my checking account. It has been over {$800.00} worth of debits just in the past two-week period alone. 
I also have a screenshot of them basically telling me that there's nothing they can do to take it up with my bank. I will attach a few of those screenshots showing the attempted debit, the overdraft it created, the bank refunding those amounts back to my account, then AFFIRM debiting the account AGAIN. Sometimes for the same amounts, sometimes for various other random amounts. 
The point is that they should not be debiting my account for ANY amount, as I do not have a loan with them! Period. 
I think at least one of my AFFIRM account numbers for previous loan is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: MN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-06 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: GA

Complaint narrative:
This letter is a formal demand to dispute and remove the following inaccurate and unverifiable accounts from my credit report. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I am holding you accountable for your failure to meet the required standards for accuracy and proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MN

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information on My Credit Report Dear Equifax Customer Service , I am writing to formally address the inaccurate information still present on my credit report, despite my previous dispute submissions. The information in question has not been corrected, and the issue remains unresolved, which is unacceptable. 

I am particularly concerned due to recent developments, specifically the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlights the very issues I am experiencing with Equifax. According to the CFPBs complaint, XXXX has been failing to resolve disputes and remove inaccurate information in a timely and accurate manner, despite the clear evidence presented by consumers. This is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all credit reporting agencies investigate disputes thoroughly and ensure the information on credit reports is accurate. 

I am encountering the same challenges with Equifax. Despite my efforts to resolve this issue, incorrect information remains on my credit report, which continues to negatively affect my credit score and financial standing. I previously submitted a dispute on XX/XX/XXXX regarding the inaccurate information, and I am now formally requesting that Equifax : Immediately conduct a thorough and accurate investigation into the disputed items on my credit report. 

Correct the inaccurate information that has not been resolved. 
Provide me with an updated, corrected copy of my credit report once the changes have been made. 
As stipulated by the Fair Credit Reporting Act ( FCRA ), I am entitled to have inaccurate information corrected within 30 days. The failure to do so not only violates my rights under the FCRA but also contributes to the broader concerns outlined in the CFPBs lawsuit against XXXX. The same issues I am facing with Equifax reflect the systemic problems that the CFPB has pointed out in its legal action. 

If this matter is not resolved promptly, I will be forced to escalate this issue, including filing additional complaints with the CFPB and seeking legal remedies available to me to protect my consumer rights. 
Please acknowledge receipt of this letter and inform me of the next steps within 30 days, as required by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Protas, Spivok & Collins. LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I made a payment via the Protas , Spivok & Collins , LLC ( XXXX ) website. On XX/XX/XXXX, I made another payment via the same website. I did not receive a confirmation via email or mail for either payment but they did clear from my bank account. After this, I received a copy of a XXXX in Debt summons from XXXX 's office. Per the summons, I was being sued for the debt. Prior to filing the complaint, I had not been contacted. 

On XX/XX/XXXX, I mailed XXXX copies of the payments I had made and a letter to request a payment plan. I informed them that I had made two payments and I intended to pay my debt in full. I did not receive a response. On XX/XX/XXXX, a Sheriff 's Deputy served a copy of the XXXX in Debt at my home. On XX/XX/XXXX, I faxed another copy of the letter and the payments to XXXX 's office. On XX/XX/XXXX, I called their office to speak to someone about a payment plan. I was immediately forwarded to a voicemail, but I did not leave a message. 

Today, I received mail from XXXX. It was a copy of a XXXX in Debt for a different debt and court date. They have never contacted me about this debt before filing the complaint. I have not received any form of documentation to request payment and/or a response to their request for payment. As of today, they still have not responded to the payments, letter, or the fax that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am formally disputing the unauthorized credit inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681b, you are required to ensure that all inquiries on my report have a permissible purpose. I did not authorize the following inquiries. 
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 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 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 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