vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 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:
Under 15 USC 1681i ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
This company ( Jefferson Capital ) is trying to collect a debt and they are not the original creditor of the debt. They have reported the debt as a collections account to all credit bureaus and has damaged my credit tremendously. I am writing to dispute the validity of the debt you have reported on my credit report and request validation of said debt. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 809 ( b ), which requires debt collectors to provide verification of debts upon the consumers written request. I dispute the entirety of this alleged debt, and I request that you provide the following information : 1. The original signed contract or agreement bearing my signature. 2. The complete account history, including all statements and details of the alleged debt. 3. Verification and proof of your authority to collect this debt on behalf of the original creditor. Please consider this letter as a formal notice pursuant to the FDCPA that I dispute the validity of the debt, and I request that you provide the aforementioned information within 30 days of receiving this letter. If you are unable to provide the requested information within the given time frame, I expect that you will cease collection activities on this account and promptly remove any negative reporting from my credit reports. Your cooperation in this matter is essential to ensuring compliance with the FDCPA and protecting my rights as a consumer. I expect a thorough and timely response to this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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:
Please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TX

Complaint narrative:
Please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience.

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 2024-12-04 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NC

Complaint narrative:
I am formally report identity theft SECTION 623 ( a ) ( A ) and to request the removal of inaccurate, fraudulent, and outdated items for my credit reports and XXXX, transunion XXXX and all consumer reporting agencies. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any erroneous information that adversely affects my credit standing. The fraudulent activity has severely impacted my credit, and I seek prompt resolution to recitfy this situation. fraudulent inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-12-04 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: TN

Complaint narrative:
I received a copy of my credit report and found the following item listed below to be an errorXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ 1k per violation, for unauthorized credit reporting listed without my expressed written consent.

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 2024-12-04 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: TX

Complaint narrative:
I woke up today to find my credit report showing inaccurate accounts, and Im completely baffled as to why this has happened. I check my report often, and Ive never seen these kinds of mistakes before. I even tried refreshing the page multiple times, thinking it might just be a browser glitch, but the accounts stayed there. Im begging you to carefully review the documents Ive provided to fix this once and for allI cant keep living with this fear.

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 2024-12-04 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX  ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-12-04 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: GA

Complaint narrative:
I previously disputed this account with Experian, XXXX XXXX XXXX. I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a 1099-C ( Cancellation of Debt ) from XXXX XXXX XXXX in regard to the following charged off account listed below. XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$71.00} as income on my taxes. This account no longer can be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX XXXX part. Delete this account from my credit immediately for inaccuracy.

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 2024-12-04 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: FL

Complaint narrative:
Debt validation and proof of claim for this account were requested on XX/XX/year>, but have not been provided.

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 2024-12-04 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: FL

Complaint narrative:
Debt validation and proof of claim for this account were requested on XX/XX/year>, but have not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Request for Immediate Refund... 
Date of Loan Application : XX/XX/year> Loan Amount : {$1300.00} Product : Laptop from XXXX with 2-Day Shipping... 
Events : On XX/XX/XXXX I applied for a loan with affirm to purchase a laptop from XXXX with 2-Day shipping. The order did not go through due to an 'Authorization Failed ' error on the card that Affirm 'approved ' for use on the order. I contacted XXXX 's customer service. They said that Affirm did not release the funds, and that is why I could not checkout. I called Affirm, at which point the representative activated the loan. I tried checking out again, however I received the same error message, 'Authorization Failed '. I contacted XXXX  again, and they ran the card through the system manually, but it would not work. Affirm deducted $ XXXX from my bank account for the loan. I contacted them for a resolution. They said to wait 3-10 business days for a refund as the loan could not be used on another transaction. After a few days I called for an update, at which point a supervisor escalated the issue and said to wait another 3-10 business days, and that the merchant has to cancel the order. During this time I called XXXX to confirm that an order did not exist from the card associated with the loan. They also looked up my bank card. I repeated this transaction lookup with both the Affirm agent and XXXX agent on the same call to prove that this loan is not associated with an order. Today I received a notice that I will not receive my money until 3-5 business days after the loan is canceled. Which takes 60 days. My bank informed me that if I dispute the charge I risk having my account with Affirm shut down. 
... 
I needed this laptop for job/study purposes, and without my money I can not purchase one. I respectfully request that the refund be expedited or, if I dispute the charge, that my account remains unaffected. 
... 
Summary : Affirm processed a loan charge for $ XXXX, but no product or service was provided. I have contacted both Affirm and XXXX multiple times, yet I am now being told it will take up to 60 days for a refund. I ask for a prompt resolution of this issue, or that my account remain unaffected should I dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: DE

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer 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 2024-12-04 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I made a significant OVERPAYMENT of {$1700.00} on my account BY MISTAKE on XX/XX/year> and the company is refusing to return the over payment. 

My balance due at that time was {$1700.00} for statement period XX/XX/year> - XX/XX/year>. I paid {$1700.00} received on XX/XX/year>, due on XX/XX/year> and an ADDITIONAL MISTAKEN payment of {$1700.00} in haste received on XX/XX/year>. This left a credit of XXXX by mistake. 

The credit balance was shown on my following bill statement period XX/XX/year> - XX/XX/year>. 

As soon as I realized I had made the mistake the first week of XXXX I contacted the company - to request a return of the OVERPAYMENT. I have made at least 8 calls over a period of 5 weeks since, with the final call this evening. This has caused a hardship for me. 

I have spoke with at least 4 supervisors. Each time I am given a reason why it was not returned and assured it was going to be straightened out. I was given two case id 's from the company, after being assured each time it would be addressed and how it was to be addressed. 

When I initially called I was assured a paper check was to be sent to my home. When the check did not arrive, I was then assured a return of funds would be issued directly to my checking account ( after verifying my checking account number and routing number where the overpayment was made ). And, then again, when that did not occur, I was then assured the company was going to send me a paper check again. 

This evening I called to followup on the status of the return overpayment paper check ( based on my call just yesterday ) and again was given another reason why the payment was not returned, -- in direct contradiction to what I was told yesterday. 

In summary, the supervisor tonight told me that they can not return my overpayment because I paid via BILL PAY through my bank ( as I always do ). My bank used a third party processor and so they do not know who made the payment. This is absolutely ridiculous when they have my bank accounts also on file, not to mention each check can always be traced back to a bank account WITH AN OWNER NAME! 

Tonight I insisted a 2nd level Manager call me and again have requested the calls be reviewed. I began calling the first week of XXXX when I realized what I had done in error. If this was an over payment for a small amount I would not care. It is a large sum of money. Now that they have intentionally withheld my over payment I am reporting the company for malfeasance and hardship. 

I am requesting assistance and mediation.

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 2024-12-04 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: AL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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