vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: NJ

Complaint narrative:
I had difficulty managing my credit card payments, so I contacted Affirm to discuss possible arrangements. Unfortunately, Affirm declined to help, which caused me to fall behind on my credit card obligations. This led to my account being sent to a collection agency. I have since settled the account and resumed making payments. However, Affirm has failed to update my account status and has kept the negative information on my report. This has significantly harmed my credit rating and score. I urge you to remove all Affirm accounts from the records of all three major credit reporting agencies, as this unjust situation continues to affect my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-11-01 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: NY

Complaint narrative:
I am writing to formally request the permanent blocking of a fraudulent account on my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). 

The account in question, listed as XXXX XXXX was opened as a result of identity theft and is not my responsibility.

Section 605B of the FCRA mandates that credit reporting agencies must block information resulting from identity theft upon receiving appropriate documentation. Accordingly, I am providing the following information and documentation : 1. A copy of my government-issued ID to verify my identity.

2. A copy of the police report filed regarding this identity theft, which confirms that I am a victim and did not open this account.

3. A statement identifying the fraudulent account and requesting its immediate and permanent block from my credit report.

Please ensure that this fraudulent account is removed from my credit report and that it no longer impacts my credit score or report. This action must be completed within XXXX business days as required by the FCRA. 

I would appreciate a written confirmation of the removal of this account and any actions taken in response to my request.

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 2024-11-01 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:
XX/XX/year>2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of TransUnion to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The XXXX underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : TransUnion : XXXX marked as XXXX  days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a XXXX late status despite consistent timely payments. 
XXXX : Records a XXXX late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-01 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:
XX/XX/year>2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of TransUnion to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The XXXX underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : TransUnion : XXXX marked as XXXX  days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a XXXX late status despite consistent timely payments. 
XXXX : XXXX a XXXX late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my XXXX XXXX and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2024-11-01 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:
" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: Kriya Capital, LLC
State: TX

Complaint narrative:
An account under my credit for XXXX XXXX XXXX, total of {$330.00} was opened without my knowledge and I did not Open the account. This account was fraudulently opened under my name or background. I tried to dispute it multiple times it has affected my credit tremendously, and I need it taken off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-02 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: DC

Complaint narrative:
I did not authorize these lenders or companies to obtain my consumer report or anything about me, I want the inquiries removed of my consumer report as soon as possible because it is hurting my ability to obtain credit, or I will take legal action as soon as possible. I have been a victim of identity theft before, and lenders keep requesting for my consumer file and I did not authorize any of this.

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 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
on XX/XX/year> I deposited a {$120000.00} personal check into my bank account with Wells Fargo. The receipt says {$110000.00} would be available on XX/XX/year>. Based upon such WF document and reviewing my checking account online I issued 2 large checks and delivered at the XXXX XXXX XXXX on XXXX. XXXX XXXX  XX/XX/year> at XXXX ; XXXX, I received an e-mail from Wells Fargo which stated that the {$120000.00} was on " hold ''. due to in sufficient funds. That same day I went to my financial Institution where I wrote the check against, and they provided me with a printout that evidenced the {$120000.00} was still sitting in my checking account. I went over to the WF branch I deposited the check with XXXX ( via there inside teller ) and the branch manager said there was nothing that could be done.

I continued searching for help and I eventually spoke with a banker in Wells Fargo customer service on XXXX  XXXX and he opined that the branch screwed up and should have called over to the XXXX branch to determine if the check was good and $ $ there... .that was not done. ( I have asked for such procedure by have been stonewalled as to each of my requests of WF for documents and policies/procedures. ) Since., I had issued the 2 large checks I scrambled to see where I could possibly get monies to cover the checks. Ultimately, I had to sell {>= $1,000,000} in long term investments held at XXXX and have the proceeds wired into Wells Fargo to cover the XXXX large checks issued. 
On Saturday evening, I sold the investments at XXXX and had the $ $ wired into the WF checking account to cover the checks due to the " hold ' placed on XXXX  XX/XX/year> at XXXX ; XXXX for the alleged " insufficient funds '' .. sadly, such hold was misguided and was inaccurate as the $ $ was always available. 
Finally after spending most of Monday XX/XX/year> trying to work to unbundle WF errors I spoke with numerous escalation teams at WF. Some of the reasoning they told me lacked any common sense.ie..my monies were somewhere sitting at the US Treasury! Finally, I go to a man in the fraud escalation unit at WF on the afternoon on Monday XX/XX/year> he initiated a 3 way call with my other financial institution, XXXX, and they advised his that the {$120000.00} was available the whole time. He then took steps and, low and behold, the erroneous false hold was lifted.

trying to deal with WF staff on this has been an absolute nightmare! their crew seems to blatantly intentionally misstate material facts, fails to provide document and refuses to provide documents requested.

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 2024-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Hello CCS Credit Collections XXXX XXXX XXXX ; I am writing to dispute an alleged debt reported by your company, as this account does not belong to me. I have never had any relationship or agreement with CCS Credit Collections or XXXX XXXX, and I believe this account has been reported fraudulently. 

The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter, I am requesting the following documentation : Proof of your authorization under 15 USC 1692e and 1692f to collect this debt.

The legal basis for attempting to collect this debt. 
Proof of your authorization to operate in my state. 
Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
A full account history, including any charges and fees associated with this account. 
Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I therefore demand the immediate removal of this fraudulent account from my credit report and prompt resolution of this matter. Under the provisions of the FCRA and FDCPA, I request that this item be deleted from all three major credit bureaus ( XXXX, XXXX, and XXXX ) as soon as possible. 

In a good faith effort to resolve this matter amicably, I expect full documentation of the alleged debt, specifically any contract or document bearing my signature and evidence of your authority in this case. Absent such proof, I demand the immediate deletion of any erroneous reports related to this account from my credit profile. 

Thank you for your immediate attention to this serious matter. I expect a response within XXXX days to confirm compliance with the applicable laws.

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 2024-11-02 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity. Please remove as it is hurting my ability to obtain credit. 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 non-monetary relief
Consumer complaint received 2024-11-02 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity. Please remove as it is hurting my ability to obtain credit. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
A personal loan account ending XXXX, is reporting inaccurately on my credit report and i will like to request for all account level documentation, including the payment history, balance. agreement and every information regarding this account on my credit report. 
I have notified the credit reporting agencies and the account came back verified. This account was not properly reinvestigated and should be deleted.

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 2024-11-01 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: PA

Complaint narrative:
According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXXXXXX XXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.

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 2024-11-01 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: PA

Complaint narrative:
According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXXXXXX XXXX XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
Dear CFPB, I'm writing to dispute National Credit Adjusters LLC 's unlawful collection

practices and request an investigation into their violations of federal law.

Violations : 1. 12 CFR 1006.34 ( b ) ( 5 ) : No validation information provided.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : No opportunity to dispute account.

3. 15 USC 1681s-2 ( 7 ) ( A ) : Furnished information without required disclosures.

4. 12 CFR 1006.34 ( d ) : False, misleading and deceptive practices.

Revocation of Communication Rights : Pursuant to 15 USC 1692c ( c ), I revoke National Credit Adjusters LLC 's rights to communicate with me through : Phone calls Text messages Mail Email

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: MI

Complaint narrative:
Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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