vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Affirm , Inc XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX, CA XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear Affirm , Inc I am writing to formally dispute the inaccurate reporting of the ( accounts listed below ) to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, despite the fact that a charge-off is a one-time event that occurred on all XXXX of the specific dates below : Loan Number Amount Date Charged Off XXXX {$200.00} XX/XX/XXXX XXXX {$61.00} XX/XX/XXXX XXXX {$130.00} XX/XX/XXXX XXXX {$190.00} XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 



I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( XXXX, XXXX, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You XXXX contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously disputed the XXXX XXXX account on my Equifax credit report because the information was inaccurate and unverifiable. I provided proof that XXXX deleted the same account on XX/XX/year>, after determining it could not be verified. Despite this, Equifax continues to report the account as valid but has not provided any documentation to substantiate this claim. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to conduct a reasonable investigation and remove any information that can not be verified. The continued reporting of this account as valid contradicts FCRA standards and creates inconsistency among credit bureaus. 

I am requesting that Equifax immediately delete the XXXX Funding account from my credit report to ensure compliance with FCRA requirements and alignment with XXXX findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name : XXXX XXXX : account number : 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 2024-11-27 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from this account. Block and remove them.

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 2024-11-27 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: NJ

Complaint narrative:
I am filing this complaint to bring to your attention a significant violation of the Fair Credit Reporting Act ( FCRA ) by Equifax in the reporting of an account associated with XXXX Bank XXXX, partial account number XXXX. This account has been reported inaccurately and inconsistently, failing to meet the legal standards of accuracy and completeness required under the FCRA. 

Specific Violations and Inconsistencies Detected : XXXX. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : -The reported credit limit and high balance for this account are listed as {$0.00}. This information conflicts with data from other credit bureaus, indicating a clear inaccuracy in Equifax 's reporting. 

-The payment history is incomplete, with blank entries for XX/XX/XXXX and XX/XX/XXXX. These gaps make it impossible to verify the account 's legitimacy or assess its accurate status. 

XXXX. Failure to Conduct a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : The report states " Consumer disputes- reinvestigation in progress. '' However, the same discrepancies persist after the supposed reinvestigation. This demonstrates that Equifax did not conduct a reasonable investigation into the account as required by law.

3. Impact on Payment History ( FCRA, Section 605 ( b ) ) : The missing entries for key months in the payment history undermine the credibility and accuracy of the reported information. This omission violates the FCRA 's requirements for accurate and complete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
I am filing this complaint to bring to your attention a significant violation of the Fair Credit Reporting Act ( FCRA ) by Equifax in the reporting of an account associated with XXXX Bank XXXX, partial account number XXXX. This account has been reported inaccurately and inconsistently, failing to meet the legal standards of accuracy and completeness required under the FCRA. 

XXXX Violations and Inconsistencies Detected : XXXX. Inaccuracy of Reported Information ( FCRA, Section 607 ( b ) ) : XXXX reported credit limit and high balance for this account are listed as {$0.00}. This information conflicts with data from other credit bureaus, indicating a clear inaccuracy in Equifax 's reporting. 

-The payment history is incomplete, with blank entries for XX/XX/XXXX and XX/XX/XXXX. These gaps make it impossible to verify the account 's legitimacy or assess its accurate status. 

XXXX. Failure to Conduct a Reasonable Investigation ( FCRA, Section 611 ( a ) ) : The report states " Consumer disputes- reinvestigation in progress. '' However, the same discrepancies persist after the supposed reinvestigation. This demonstrates that Equifax did not conduct a reasonable investigation into the account as required by law. 

XXXX. Impact on Payment History ( FCRA, Section 605 ( b ) ) : The missing entries for key months in the payment history undermine the credibility and accuracy of the reported information. This omission violates the FCRA 's requirements for accurate and complete reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 reported in to be removed. 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. XXXX 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! Delete 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 2024-11-27 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: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I received a phone call by a company that goes by the name : Aldous & Associates. They are trying to collect a balance of {$400.00} from the gym membership that I currently go to. Theyre claiming I never paid that amount on XX/XX/2023, and if I dont pay they threatened me that my credit will be affected. Once I was aware that my XXXX XXXX can potentially take a big hit if i dont pay this large amount of money I go to the gym myself. I spoke with the XXXX personally and turns out that my credit card was never updated. During that time I was still going to the gym and never once did I receive a letter or email from anyone to let me know that my card was never updated. Never got a call or email from the gym, just a straight up bill that I have to pay from a debt collector. We fixed the issue with the correct card that day and I am STILL an active member there. Theyre claiming that I cancelled my membership when I never canceled anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX BALANCED {$12000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$250.00} 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 - XX/XX/XXXX XXXX XXXX XXXX CO - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXXXXXX BALANCED {$12000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$250.00}

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX, XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX - XXXX, INQUIRY - XX/XX/XXXX, INQUIRY - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

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 2024-11-27 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XXXX XXXX, XXXX - {$00.00} XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX  - XXXX - XXXX XXXX, XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information. 
Fraudulent Accounts XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XXXX XXXX, XXXX - {$00.00} XXXX XXXX  XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXX  - XXXX - XXXX XXXX, XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/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 2024-11-27 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:
Hard inquiries without my consent are listed. Remove these errors from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
Subject : Request for Method of Verification Disputed Item on Credit Report To Whom It May Concern, I am writing to dispute the accuracy and validity of an entry listed on my credit report, which I obtained from your agency that is still on my credit report after I dispute these inaccuracies in XXXX, 2024. The entry in question is as follows : XXXX XXXX Account Number : XXXX Nature of Dispute : date opened incorrect, date of last activity incorrect, payment history incorrect Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to a detailed explanation of the steps your agency took to verify the accuracy of this information. Specifically, I am invoking 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the method used to verify the disputed information.

In addition, I would like to emphasize the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) XXXX XXXX XXXX reporting agencies are required to follow reasonable procedures to assure the maximum possible accuracy of the information reported. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Conduct a Reasonable Reinvestigation Upon receiving my dispute, your agency is required to investigate and verify the accuracy of the information within 30 days.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Notification of Information Furnishers If the information was provided by a third party, you must notify them of my dispute and provide me with the name, address, and contact details of the furnisher. 
I have reason to believe that this information is either inaccurate, outdated, or unverifiable. Therefore, I am requesting that you provide : A detailed explanation of the method of verification used to confirm the accuracy of the disputed information. 

The name, address, and contact information of the source of the information. 
Any documentation or evidence used during the verification process. 
If you are unable to provide this information or if the information can not be verified, the FCRA mandates that the item must be deleted from my credit report immediately.

I expect your written response within the 30-day period outlined by law. Failure to respond adequately will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my states attorney general, and potentially seeking legal remedies. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief