vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: DE

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

XXXX. Unauthorized/Incorrect Hard Inquiry Company That Performed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry.

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was a victim of identity theft and someone open credit cards and bank accounts with my information I got a police report and I've ben disputing these fraudulent accounts with the credit bureaus and most of them have been deleted from my report but a few of them the banks send them back as accurate i don't know why? even doe they have a different address and phone number on file and that's why I'm here disputing these accounts so they can finally be removed from my credit report. 
account # XXXX date opened -- XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
Your company has placed inquiries on my credit report without my permission, and its causing me a lot of unnecessary financial problems.

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 2025-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Legal Department XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Request for Permanent Removal of Inaccurate Accounts Dear Experian Legal, I am writing to formally dispute the inaccurate accounts listed on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These accounts are incorrect and must be permanently removed from my credit file immediately.

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to investigate disputed information within 30 days. However,
due to the significant financial harm I have sufferedincluding denials for auto loans, credit cards, and increased interest ratesI demand that you remove these accounts within five ( 5 ) days of receiving this letter.

Furthermore, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain maximum possible accuracy in consumer reports. Your failure to ensure accuracy is a direct violation of my rights under federal law. Should you fail to remove these inaccurate accounts within the specified timeframe, I will be forced to escalate this matter through legal channels. Under 15 U.S.C. 1681n and 1681o, I am entitled to seek damages for willful and negligent noncompliance.

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 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted TransUnion to put a security freeze on my credit report. I attempted to check the status of the freeze using the TransUnion website. I was unable to confirm the status of the freeze using the website, which consistently malfunctions. The malfunction occurs on any web browser I use. I telephoned TransUnion Support. They accepted my verbal/oral ( telephone ) request to freeze my report. I later attempted to verify on the website, which still was not possible. I contacted by telephone a second time and was informed by the human being that the report was NOT frozen. That human then accepted my request for the second time in the same day. I requested written/electronic verification or confirmation of the freeze. The human refused, citing TransUnion policy. At this point I do not know the status of my credit report freeze. It is important to be able to control credit report access, for example to rent an automobile. 

Considering that the credit agencies are allowed by law to terrorize consumers with the threat of adverse reports, and that they facilitate other harm-doers taking the similar hostile actions, it is incumbent on them to be transparent.

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 2025-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo sent numerous emails promising a promotional 4 % interest rate ( in place for 6 months ) if I added $ XXXX to my already existing savings account. A promotional code ( also sent by WF to my email ) was required. I added $ XXXX to my account on XX/XX/year> -- well before the XX/XX/XXXX cut-off date for this promotion. Wells Fargo required this transaction be made in person, so I brought my new deposit, along with a print-out of the promotional offer, and gave both to their " banker. '' XXXX has now sent a form letter ( to how many people? ) saying " Bonus offer code was not applied to the account at account opening, as stated in the offer requirements. '' So THEY didn't apply the code? -- After I brought it to them in hard copy? -- and that is supposed to make ME ineligible to receive the bonus? 
This is not a huge financial deal for me, but it is yet another indication that Wells Fargo continues its bad behavior -- playing unethically with its customers.

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 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Continental Finance Company, LLC
State: AR

Complaint narrative:
On XX/XX/year> I submitted a payment for a processing fee of XXXX $ for a fit mastercard with continental finance. The card was mailed and I was told to wait ten days to activate the card. I waited the ten days and called to activate and was told my application was denied. Well, Since then I have had the hardest time getting them to refund my processing fee back into my account. I dispute it with my bank as well as contacted continental finance. I just want my refund. The company is horrible.

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 2025-02-18 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights . 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: Affirm Holdings, Inc
State: MS

Complaint narrative:
Subject : Dispute of Affirm Loan for Non-Received Item Company Name : Affirm , Inc . 
Affirm Loan/Transaction ID : XXXX Date of Purchase : XX/XX/year> Merchant : XXXX XXXX XXXX ID : XXXX Complaint Details : I am filing this complaint against Affirm, Inc. regarding a loan I took out to purchase two items from XXXX. The items were stolen before I could take possession, and despite providing proof of non-receipt, Affirm has refused to investigate or resolve the matter. 
Upon realizing the item was stolen, I : 1. Contacted XXXX on XX/XX/year> to request a refund or replacement. They declined, stating that the order was marked as delivered by the carrier, XXXX XXXX, and per their further investigation, XXXX noted the package weighed the appropriate amount upon shipment. 
XXXX. Contacted the shipping XXXX XXXX XXXXXXXX, to file a claim. Per the XXXX XXXXXXXX representative, the package was marked as delivered, and thusly, indicated XXXX  XXXX is not responsible for the items which were not inside of the box that was delivered. 
XXXX. Notified Affirm to dispute the charge, explaining that I never received the product, noting and providing photo evidence that they box was empty upon arrival. 
4. Affirm refused to dispute the charge, stating that liability transfers once the order is marked as delivered. This response from Affirm is unacceptable, as I should not be held financially responsible for an item that I did not receive. Under the Fair Credit Billing Act ( FCBA ) and consumer protection laws, I
have the right to dispute a charge when goods are not received. Affirm has failed to provide any recourse for this fraudulent transaction and is requiring me to pay for an item I do not possess.

Furthermore, I provided proof of a second purchase of the same exact two phone items from XXXX, where I ended up having to pick the items up from within a store, further noting that I did NOT receive the initial order and that I had to re-order the items so that I would be able to provide them for my children for XXXX. 

I am requesting that Affirm : Cancel the loan associated with this purchase since I never received the item. 
Cease any attempts to collect payment while this dispute is ongoing. 
Ensure my credit score is not negatively impacted due to this dispute.

I am escalating this complaint because Affirm has failed to handle this issue properly and is violating my consumer rights. If this matter is not resolved, I am prepared to pursue legal action and report this to other regulatory agencies. 
I request that the CFPB investigate Affirms handling of disputes related to non-receipt of goods. 
Desired Resolution : Loan cancellation and removal of any associated financial liability. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I'm writing to express my frustration over the inaccuracies in my report that are unfairly affecting my scores and, as a result, my future opportunities. These errors are not just numbers on a pagethey have real consequences. Because of them, Ive faced unnecessary rejections, higher rates, and missed chances that I should have rightfully had. Its incredibly frustrating to be held back by incorrect information that shouldnt even be on my report in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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:
I'm writing to express my frustration over the inaccuracies in my report that are unfairly affecting my scores and, as a result, my future opportunities. These errors are not just numbers on a pagethey have real consequences. Because of them, Ive faced unnecessary rejections, higher rates, and missed chances that I should have rightfully had. Its incredibly frustrating to be held back by incorrect information that shouldnt even be on my report in the first place.

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 2025-02-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I have been trying to verify the validity of this debit as the original creditors never contacted me about it. The last phone call I requested to be mailed something that shows me the validity of this collection and none was ever sent. We have not received anything via email or regular mail about this debt and I have never worked with this company before that they are claiming this medical debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: SC

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: SC

Complaint narrative:
The reported late payments are incorrect, incomplete, or unverifiable

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 2025-02-18 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:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOUTHPOINT FINANCIAL SERVICES, INC.
State: MN

Complaint narrative:
SouthPoint FCU in XXXX XXXX XXXX repeatedly breaks XXXX  by allowing none owners of the account withdraw fund from the account as long as they say they have " permission ''.

Company response to consumer: Untimely response
Consumer complaint received 2025-02-18 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against Equifax for Violations of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax, a consumer reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681 and its related sections.

Equifax has failed to adhere to the legal obligations outlined in the FCRA, particularly : 1. **15 U.S.C. 1681e ( b ) ** : Equifax has not followed reasonable procedures to ensure the maximum possible accuracy of the information reported in my consumer report. This negligence has resulted in inaccuracies that have adversely affected my creditworthiness. 

2. **15 U.S.C. 1681b ( a ) ( 2 ) ** : Equifax has furnished my consumer report without my written consent. As a consumer, I have not authorized Equifax to disclose my credit report to any third parties without my explicit written instructions.

3. **15 U.S.C. 1681e ( b ) ** : Equifax 's continued assertion that my XXXX XXXX XXXX account is not being reported is both misleading and erroneous. The reality is that Equifax has deleted this account from my credit report without just cause and has refused to include it, despite it being reported by XXXX XXXX. This action is a blatant violation of the requirement to maintain accurate and complete consumer reports. 

I have made numerous attempts to resolve this issue directly with Equifax, but their responses have been inadequate and dismissive. Their refusal to accurately report my XXXX XXXX XXXX account has caused significant harm to my credit profile, which is unacceptable. 

I urge the CFPB and FTC to take immediate action against Equifax for these violations and consider enforcing penalties that may compel them to adhere to the FCRA. My experience demonstrates a pattern of neglect and a blatant disregard for consumer rights, warranting serious examination and potential legal action.

Please keep me informed of any developments regarding my complaint. I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation