vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
Credit bureau is currently reporting a closed account as an open collection with past due balance of {$25.00}. This is inaccurate as the collection agency ( XXXX XXXX XXXX  ) agreed to one-time settlement payment where XXXX percent of the balance was paid in exchange for account closure and no further collection activity. Several rounds of disputes have been filed, but they have not corrected the issue thus far. Evidence has been provided to credit bureau of collection agency receiving the past due balance and marking account as Settled.

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 2025-04-02 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I financed a {$1200.00} purchase from XXXX through Affirm. The package was marked as delivered by XXXX on XX/XX/year>, but it arrived completely empty none of the items I paid for were inside. 

I immediately contacted XXXX and XXXX. XXXX confirmed that since XXXX purchased the shipping label, only XXXX can initiate a claim for missing contents. However, XXXX has refused to file that claim or issue a refund/replacement, despite having proof I contacted them promptly. 

I submitted a dispute to Affirm, but it was denied based solely on XXXX tracking scans which only prove that a box was delivered, not what was inside. As a result, Im now being held financially responsible for a loan on merchandise I never received.

I am requesting that Affirm reopens this case or pauses the loan repayment while this dispute is properly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Zelle is misleading and not protecting consumers when it comes to fraudulent transaction and passing it on to consumers when they should do more to protect us and not charge us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
The account is XXXX XXXX  they refused to provide me with signed documentation from the company that they sold my debt to they no longer have this debt, and they sold it to another company and a part of the law without my written consent, they can not furnish this account on my credit report Since this debt no longer belongs to them since they sold it to another company who bought my debt! Ive spoken to XXXX XXXX and theyve looked into the matter and they did comply and they did remove this item from my credit 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 2025-04-02 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
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 2025-04-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-02 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: PA

Complaint narrative:
I request the immediate removal of fraudulent information from my credit file. This inaccurate data, stemming from fraud, should have already been deleted but remains improperly listed. Under FCRA Section 605, you are required to eliminate any incorrect records. I have previously submitted the necessary supporting documents and am including them again for your reference. My attorney is aware of the situation and prepared to pursue legal action if this matter is not resolved promptly. 
XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MI

Complaint narrative:
XXXX XXXX total XXXX, XXXX XXXX total XXXX XXXX total XXXX XXXX total XXXX. 
XXXX total XXXX Dispute those accounts under the XXXX acts below 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) And 15 U.S.C. 1681s-2 ( a ) ( 3 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX, XXXX XXXX CA XXXX Subject : Dispute of Inaccurate Information under 15 U.S.C. 1681 ( i ) Request for Deletion Dear Experian, I am writing to formally dispute inaccurate information on my consumer report, as allowed under 15 U.S.C. 1681 ( i ) of the Fair Credit Reporting Act ( FCRA ). The information reported for my auto loan account name XXXXXXXX XXXX XXXX Account number XXXX ( opened on XX/XX/XXXX ) contains inaccuracies that have severely impacted my creditworthiness. 
Upon reviewing my report, I identified incorrect late payment notations in XXXX and XXXX, which are circled in the attached image. These inaccurate delinquency marks are damaging and misrepresent my actual payment history. As this reporting constitutes a violation of the FCRA, I request an immediate deletion of this account from my credit report. Per the law, you must investigate this dispute within 30 days and provide me with the results of your investigation. If you are unable to verify the accuracy of this information, it must be promptly removed from my file. These inaccuracies have caused substantial harm to my credit score and financial opportunities. Additionally, failure to maintain accurate reporting can result in compensation for damages under the FCRA. 
Please confirm receipt of this dispute and provide written confirmation of your resolution. I expect full compliance with federal law to correct these reporting errors immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I am disputing my mortgage lenders requirement for an excessive escrow buffer beyond the federally allowed two-month cushion under RESPA ( 12 U.S.C. 2609 ). My recent escrow analysis sent in XXXX requires a significantly higher balance with no clear explanation. Despite multiple calls, I have received multiple answers that dont make sense or seem like a valid reasononly that my escrow account must always remain positive which was not disclosed at closing. When I asked when that policy started, I was told that it might be in the closing documents but likely I wouldnt have understood, and that by XXXX my account will be short, with a XXXX  month buffer of {$1800.00} plus the {$910.00} monthly escrow, by XX/XX/XXXX that would be a total of {$10000.00}. Our current cycle is from XXXX to XXXX which by then more money will be added. 

I have already paid the prior negative balance which was caused by the mortgage duplicating in cost which we didnt get a call or email notification for the change, and by homestead exemption not applied which we are working on, we are willing to pay the standard two-month escrow cushion and extra as needed based on the escrow account balance, but I am not willing to pay an unjustified excess amount. I am requesting a formal review and justification for this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: DISCOVER BANK
State: MD

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, which holds entities liable for negligent noncompliance. 
Upon reviewing my credit report, I identified the following inaccurate information :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX [ XXXX ] [ XX/XX/year> ] Resurgent Receivables LLC Subject : Failure to Validate Debt & FDCPA Violations Cease & Desist Demand Dear Resurgent Receivables LLC, This letter is in response to your reply regarding my CFPB dispute submitted on XX/XX/year>. In my original dispute, I contested the alleged debt of {$280.00} that you are attempting to collect. Additionally, I formally requested verification of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), including a copy of a signed contract proving my obligation to this debt. 

I also demanded that you cease and desist all collection activities, including credit reporting, and delete any reporting made to consumer credit agencies. To date, you have failed to properly validate this debt or comply with my requests, placing you in clear violation of the FDCPA. 

Details of Alleged Debt Creditor : XXXX XXXX Account Number : XXXX Alleged Balance : {$280.00} Violations & Demands XXXX. Failure to Provide Proper Debt Validation You have failed to provide a signed contract or agreement proving my liability for this alleged debt. Instead, you sent documentation from XXXX XXXX, which is not a signed contract and does not constitute valid verification under the FDCPA. Attempting to collect a debt without proper authorization is an unfair and deceptive practice. 

Furthermore, my personal information was shared with a third party without my consent, which is a serious violation of my consumer rights. 

2. Failure to Cease and Desist & False Credit Reporting Despite my request, you have continued credit reporting on this disputed debt, in violation of the FDCPA. Reporting a debt that you can not validate is considered a false, deceptive, or misleading practice under federal law. 

Resolution Demand Due to your actions, I have suffered unnecessary stress, financial damage, and harm to my credit. You have forfeited the opportunity to amicably resolve this matter, and I am prepared to take legal action under the FDCPA. 

However, you may resolve my claims by completing ALL of the following within 14 days of receipt of this letter : Cease all collection activities immediately. 
Remove all reporting of this debt from all consumer credit bureaus. 
Provide monetary compensation in the amount of {$1000.00}, payable to " XXXX XXXX XXXX. '' Failure to comply will leave me no choice but to escalate this matter to legal representation and file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office.

This is a final demand. Please respond in writing within 14 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief