vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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 2025-01-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing a complaint against TransUnion, XXXX, and XXXX for failing to correct inaccuracies on my credit report, despite my repeated attempts to dispute the information. The incorrect details remain on my report, which continues to negatively impact my credit profile. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) as follows : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The credit bureaus are reporting outdated information that should have been excluded after the legally mandated time period. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) They failed to conduct a reasonable investigation into the disputed information and have not provided sufficient evidence to validate the reported data. 

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have not ensured the accuracy of the information on my credit report, as inaccuracies remain despite my dispute efforts. 

I urge the CFPB to investigate these violations and take appropriate action to ensure the credit bureaus comply with the FCRA and rectify the ongoing errors on my report.

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 2025-01-07 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: AL

Complaint narrative:
I am filing a complaint against XXXX, Experian, and XXXX for failing to correct inaccuracies on my credit report, despite my repeated attempts to dispute the information. The incorrect details remain on my report, which continues to negatively impact my credit profile. 

The credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) as follows : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The credit bureaus are reporting outdated information that should have been excluded after the legally mandated time period. 

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) They failed to conduct a reasonable investigation into the disputed information and have not provided sufficient evidence to validate the reported data. 

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have not ensured the accuracy of the information on my credit report, as inaccuracies remain despite my dispute efforts. 

I urge the CFPB to investigate these violations and take appropriate action to ensure the credit bureaus comply with the FCRA and rectify the ongoing errors on my report.

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 2025-01-07 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
On this day XX/XX/year> I dont recognize hard inquiry in my credit report from the company exeter finance , To date, I have not requested any type of credit from them, much less authorized them to hit my credit. 

Can you help me solve this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: NY

Complaint narrative:
Ive recently noticed that my credit report does not reflect my correct personal information, and this error has led to unknown and inaccurate accounts appearing on my credit. This situation is not only frustrating but deeply stressful and XXXX-inducing. Its incredibly unsettling to see these inaccuracies impact my financial reputation, especially when Ive done nothing to warrant them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
I need to know whether or not these accounts/data are a 100 percent accurate. It is hurting my credit file and I need these deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 non-monetary relief
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
Hello, Im writing this letter to request an update to the status of my account with Affirm. Please mark the following transactions as Paid as Agreed. The coding on the accounts shows up as " closed '' collection accounts even though they never went to collections. Please update the reporting as we are in process of purchasing a home and it is delaying the underwriting process. 


Loan ID Numbers : - XXXX - XXXX - XXXX - XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MS

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My personal information was compromised during the 2017 equifax breach. I was NOT notified for the case or settlement distribution. My credit may have been impacted and my personal information distributed to the dark web since I receive constant marketing emails. 

What can be done clear my reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to dispute an account reported by Jefferson Capital on my credit report. This account is inaccurate for several reasons. First, there is no original creditor listed, which prevents me from properly investigating this alleged debt. Additionally, the account shows an inconsistent payment history, which is a violation since collection accounts should not report any payment history. Furthermore, the date last active is reported incorrectly : XXXX shows no date, while XXXX lists XX/XX/XXXX. This is particularly troubling since the date opened for this account is stated as XXXX, making the reported date last active in XXXX completely erroneous. These discrepancies are clear violations of the Fair Credit Reporting Act ( FCRA ), and I demand that this account be removed from my credit report immediately. If this issue is not resolved promptly, I will pursue litigation for the damages caused by this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
My previous complaint was XXXX XXXX and the details that I requested was willfully ignored. I asked for the information of transactions as proof of card usage before closing of account. Multiple complaints was filed requesting these details and l 've only received vague information along with details post closure of the account. I've recently learned that this behavior is a violation of the fair credit reporting and I will be due compensation if I can show proof of willful disregard. 
Legally all information required needs to be provide of the reporting account will be considered fraud and removed by the credit bureaus and compliance to fair credit reporting guidelines. XXXX progress stated that the account was used for purchases and no payments were made. Please provide the proof of these purchases with the merchant details dates and times. When the account was initially closed, there was a zero balance due to the fact that there was zero transactions ever made with the account. Please refrain from giving me information about fees and other accumulative matters post closure. 
Provide only the transaction, history of merchants in which those transactions transpired.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Enterprise Systems, Inc.
State: DE

Complaint narrative:
On XXXX  I called the third-party company National Interprise Services that bought the debt from XXXX XXXX. I was advised that If I settled with this company that they would delete and remove my account and report it in good standing as I agreed to their settlement on a recorded line. I got the letter and called back to National Interprise Service later that day to see how long this would take to delete off my credit reports and reflect on good standing they then told me after they were paid that they do not delete or remove accounts in good standing that they do not have authority to delete accounts. The agent then continued to get smart with me and hung up on me. Today I got a credit alert that stats that this debt is now back open after being over XXXX XXXX XXXX and was just recently paid and settled in good standing that my card is now open and reporting a balance of over {$400.00} when my original amount to open the card was only {$200.00} which I paid in the settlement. This company National Interprise Service is unprofessional rude and doing illegal activities on people 's credit reports.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was in the process of getting my state XXXX during this time, I had informed Venmo that I was in the process of getting my state XXXX. Only for them to ban my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: TX

Complaint narrative:
I updated company with my new address and now I am unable to retrieve from old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: MO

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to lodge a formal complaint against American Express concerning their handling of a dispute with an overseas merchant who has engaged in deceptive practices. I made a booking with an XXXX company that explicitly advertised a " 100 % refund on cancellations made before the specified deadline. '' After making the payment, when I contacted the hotel directly to confirm they had no record of my booking at all. This necessitated my having to cancel through the agency 's website I attempted to cancel the booking within the allowed timeframe and provided evidence of the cancellation to American Express. Despite submitting required documentation within the deadline, the American Express investigation team closed my case twice without any explanation. After the case was closed, I contacted customer service, which acknowledged my situation but informed me that even if I reopened the case, the investigators would not reconsider their decision. Furthermore, I was told there is no higher authority within American Express to escalate the matter, leaving me without any recourse. This experience is especially disappointing considering the annual fee of {$700.00} that I pay for my American Express XXXX XXXX, which is supposed to ensure superior service and protection against such fraudulent activities. The lack of accountability and unwillingness of the investigators to review their decision or to be held accountable is alarming and unacceptable. 
I am requesting that this issue be reviewed and that appropriate actions be taken against American Express for their failure to adequately handle my dispute. I believe that American Express has not only failed in their duty to protect my consumer rights but has also shown a lack of commitment to their service promises.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year>, i looked at my checking account and found there was a charge of XXXX dollars and another one of XXXX dollars that I was not responsible for. I called the bank to report the problem. The young lady I spoke with said that this type of thing happens a lot and that it usually starts with something small. At that point, she looked into my account, going back several months. She found the problem with a small amount that I did not purchase and submitted multiple charges over several months. The charges were mainly in the area of XXXX dollars or such. I was told I waited too long to file in order to correct the problem. I was told, by the bank that the charges would not be reimbursed. I spoke with the local bank manager, who looked into it for me. They said they would llisten to the recording of my complaint about the money. I told them that I could understand not going back several months but I called in the XXXX and XXXX the day after it occured. I have yet to hear from the bank about the XXXX and XXXX dollars that were taken out of my account. The bank manager told me that he would keep me posted and look into the matter more. That was 5 or 6 weeks ago and I have yet to hear back from him. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I dont know anything about the bill its XXXX and they said its through XXXX I contacted bbb and XXXX said my balance was 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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
My original mortgage started with XXXX for XXXX back in XXXX. In XXXX, XXXX for XXXX contacted me and told me I would be the first client they would partially move over to Associated Bank for my mortgage. I was informed of my mortgage contract, automatic payments, interest rate, length of mortgage and all would remain the same and my payments at that time would still go to XXXX for XXXX. There was a lot of miscommunication between Associated Bank, XXXX for XXXX and I. I was not properly informed of how the automatic payment process would apply. XXXX XXXX from XXXX for XXXX reached out to me and informed me they would like to fully hand over my account to Associated Bank, and they would not be responsible for my monthly payments. I was informed the only thing I would need to do is email XXXX XXXX with Associated Bank to discuss an automatic payment date. XX/XX/XXXX. It was my first contact with XXXX via XXXX XXXX, and we agreed my payment would come out on the XXXX of every month from XX/XX/XXXX to XXXX. XXXX was responsible for my payments since my automatic payments were still going to XXXX for XXXX. On XX/XX/XXXX, XXXX XXXX and XXXX XXXX from Associated Bank were in communication with XXXX XXXX and XXXX XXXX from XXXX via email that I was XX/XX/XXXX days past due on my mortgage. I was unaware in XX/XX/XXXX there were issues with who was in charge of the automatic payment, and it was switched over to Associated Bank. In XX/XX/XXXX, I was in contact with Associated Bank and informed them they would mail me a form to fill out to allow for automatic payments to be withdrawn, and I manually paid two months ' payments in XXXX, since I was not aware it was passed due. I sent back the form to authorize automatic payments in XX/XX/XXXX. In XX/XX/XXXX, I called to verify my automatic payment was received, and I was sent the incorrect form. So I filled out another form in XX/XX/XXXX to allow automatic payment and paid XX/XX/XXXX payment. Again, there was an error with my automatic payment form, so XX/XX/XXXX did not process correctly, but XX/XX/XXXX was successful. After all this confusion, I was in communication with XXXX to attempt to get the late marks removed from my credit report. XXXX XXXX informed me she could write me a letter explaining the issues XXXX was having during those times. I checked my report and those negative marks are still showing on my report.

Company response to consumer: Closed with explanation