vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I recently received a copy of my consumer report, and I noticed some late payments posted on my report that are inaccurate this is not my first time trying to fix this with your company and yet you all are still reporting this inaccurate information on my consumer reportwith recent news of your company not properly investigating like you are required by law Im hurt to hear that so I come to you all again to make things right and properly and accurately reinvestigate and update to PAID AS AGREED NEVER LATE. 

I HAVE NEVER BEEN LATE ON THESE ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please REMOVE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. update to PAID AS AGREED NEVER LATE.Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN G
ENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Please update to PAID AS AGREED NEVER LATE on the above late payments from my consumer report, your company clearly is in violation of 15 USC 1681 Failure to respond satisfactorly with PAID AS AGREED NEVER LATE of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company like I said this isnt the first time trying fix this problem with your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity 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 2025-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Subject : Late Payment Dispute - FCRA Compliance Dear Sir/Madam, I am writing to dispute incorrect information on my credit report under the Fair Credit Reporting Act ( FCRA ). My account with Ally Financial ( Account Number : XXXX ) has been reported with a late payment on [ date ], which is inaccurate. 

I have attached copies of documents that prove my payment was made on time. Under the FCRA, I request that you investigate this dispute and remove the erroneous information from my credit history. 

Sincerely, XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Request for Goodwill Adjustment ( Account # XXXX ) I am writing to formally request the removal of the negative entry associated with my account number XXXX from my credit report. Although the account was charged off with an outstanding balance of {$1000.00}, I would like to highlight that this balance has since been paid in full. 

Given my efforts to resolve this matter, I respectfully request that you consider a goodwill adjustment to remove the charge-off from my credit report. The removal of this negative mark would significantly support my efforts in improving my credit standing, particularly as I am in the process of pursuing homeownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased items from a company called XXXX on XX/XX/2024. In late XXXX, after not receiving the merchandise, I contacted the company to inquire about the shipment. They were unable to provide a shipping date, so I requested a refund. The company canceled my order, and I was informed that a refund would be issued. However, the refund never arrived. 

Despite repeated follow-ups, XXXX continued to claim that the refund was being processed, but it has not been received to date. As a result, I escalated the issue and disputed the charge with my bank, Ally Bank. I provided Ally Bank with proof of my communications with XXXX, including evidence that the order was canceled, yet the refund was not issued. 

Unfortunately, this issue remains unresolved, and I am seeking assistance to resolve this dispute and recover the funds owed to me.

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 monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Checking my XXXX consumer credit report in XX/XX/XXXX I see that Bank of America, a company I have no contract agreement nor ever did any business with, is reporting a negative account balance and past due total of {$2100.00} to my credit reports, along with late payment remarks in XX/XX/XXXX, and XXXX XXXX. 

Previously, I disputed this account as it is not mine, and my personal information has been leaked in multiple large corporation data breaches since XXXX. 

The credit bureau investigations found that they were not able to validate this account, and Bank of America charged off and closed the account, and previously this was removed from my credit report. However, I see that this account is showing up again, without my authorization on my credit report and is reflecting incorrect and contradicting information including that the account is open with an unpaid balance of {$2100.00} with 100 % credit usage although the account status shows " closed '' and " charged off ''. 

Additionally, under 15 US Code 6801, this is non-public personal information that I never authorized to be reported on my credit profile to begin with, and in regards to the remarks of past due late payments, and under 15 US Code 1666 B, no company shall report late payments for any account to any consumer credit report for any reason. 

Therefore, I request immediate removal of all Bank of America accounts from all of my consumer credit reports and late payment history removed entirely. 

Lastly, I never gave Bank of America authorization to pull my credit report but for unknown and undisclosed reasons, so I request any inquiries by them to be removed from my profile immediately.

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 2025-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I filed a previous complaint with the CFPB against Selence Finance LP, CFPB Case Number XXXX. I requested all mortgage statements and correspondence from XX/XX/XXXXXXXX  to present. I received mortgage statements from XX/XX/XXXXXXXX  to XX/XX/XXXX. Selene Finance LP has since transferred my mortgage to XXXX XXXX  XXXX. I then received a mortgage statement from XXXX XXXX  XXXX for the amount of {$12000.00}. I do not know where this amount has come from since I have been making regular monthly mortgage payments. If XXXX is saying I owe this amount of money I would like to see how. I need to see how my payments have been applied from XX/XX/XXXXXXXX  to present. I'm not sure why my previous complaint was closed since Selence Finance LP did not provide all of the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received 3 physical American Express Gift Cards. I attempted to use them on XXXX, XXXX, and XXXX sites as well as in-person and was declined every single time, though {$0.00} bank transaction charges are showing as pending from XXXX on XXXX of the cards. 

Many people have reported having this problem starting XX/XX/2024.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
I have requested that all of the companies listed on my on my Experian credit report be removed due to lack of original documentation to back up the allegations of my responsibility to the original debt. Investigations have produced no original documentation for my review, nor were the inaccuracies corrected. Also, hard inquiries that resulted in no benefits are still appearing after my request to remove them as Ive received zero extension of any type of credit/debt.

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 2025-03-11 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-11 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: SC

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 explanation
Consumer complaint received 2025-03-11 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: CA

Complaint narrative:
XX/XX/scrub>XX/XX/XXXX A settlement was reached to pay less than balance due. Both the settled contract and agent stated it would be repprted as settled. ( see contract attaxhed ). 
I emailed compliance requesting the correction no response. 
XXXX Spoke to supervisor XXXX she processed a ticket to compliance. 
XXXX I emailed XXXX The contract for settlement states it will be reported as a settlement and closed. 

It doesn't state it will be repprted as written off, which Experian identifies as a charge off. I emailed XXXX a pixrure of the status on my credit report. I was never late.

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 2025-03-11 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:
Subject : Violation of 15 U.S. Code 1666b and 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) ** Dear Sir/Madam, I am writing to formally notify Experian, XXXX and XXXX of a violation concerning the reporting of late payments by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit report. This matter pertains to 15 U.S. Code 1666b and 15 U.S. Code 1637 ( b ) ( 2 ) ( A ), which govern billing errors and the requirements for providing documentary evidence before reporting late payments. **Affidavit of Facts : ** It is a fa
ct that I, the affiant, am aware that 15 U.S. Code 1637 ( b ) ( 2 ) ( A ) mandates that when a billing error is reported, the creditor must provide all documentary evidence to clarify who funded the account. Until such evidence is provided, the following companies XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are prohibited from reporting late payments on the account in question.

Despite my request for clarification and documentary evidence as specified under 15 U.S. Code 1637 ( b ) ( 2 ) ( A ), these companies failed to provide the necessary documentation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has continued to report late payments on my credit report without meeting the requirements set forth in the statute. This action constitutes a direct violation of 15 U.S. Code 1666b, which prohibits creditors from reporting inaccurate or incomplete information when they fail to provide documentary evidence as required by law. 

Given these facts, I request that Experian, XXXX and XXXX take immediate action to : XXXX. Investigate and remove any late payment entries related to the following companies XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report, as they are in violation of 15 U.S. Code 1666b.

2. Provide a detailed explanation regarding the failure of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX the requested documentary evidence. 
XXXX. Update my credit report accordingly to reflect accurate information in compliance with applicable federal law. 

Please treat this as an urgent matter, and I expect a prompt resolution in compliance with all relevant legal provisions. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

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 2025-03-11 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: GA

Complaint narrative:
I have disputed multiple times online and also called XX/XX/year> to have personal information that is inaccurate and doesn't belong to me removed from my credit reports and they have not been updated.

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 2025-03-11 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: GA

Complaint narrative:
I have disputed multiple times online and also called XX/XX/year> to have personal information that is inaccurate and doesn't belong to me removed from my credit reports and they have not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to address my concerns regarding the validity of the debt referenced in your recent communication. It is important to clarify that a breakdown of changes to the account does not constitute validation of the debt itself. I am requesting a thorough itemization that provides clear evidence that the debt is indeed mine and meets the requirements set forth by the Fair Debt Collection Practices Act.

To facilitate this process, I require the following documentation : 1. **Date of First Activity** : The date the account was initially opened or the debt originated.

2. **Date of Last Activity** : The most recent date of any transaction or communication regarding this debt.

3. **Date of Last Payment** : The date on which the last payment was made towards the debt.

4. **Account Number** : The specific account number associated with the debt in question.

5. **Current Account Balance** : The total amount owed as of the date of this letter.

6. **Status of the Account** : A clear indication of whether the account is active, closed, disputed, etc.

7. **Chain of Command or Custody** : Documentation proving the ownership and transfer of the debt, including any assignments or sales.

8. **Proof of Ownership** : Evidence that your organization currently owns the debt and has the right to collect on it.

9. **Proof of Collection Rights** : Documentation that demonstrates your authority to collect on this debt.

10. **Copies of Signatures** : Signed agreements from all parties involved in the original transaction and any subsequent assignments.

Providing the aforementioned information will help establish the validity of the debt and clarify my obligations. Please respond at your earliest convenience, as I believe it is in both our interests to resolve this matter promptly. 

Thank you for your attention to this issue. I look forward to your timely response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-03-11 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief