vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 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: MN

Complaint narrative:
In XX/XX/2024 I purchased a TV from XXXX and specified it was to be delivered no sooner than XX/XX/XXXXXXXX XXXX XXXX XXXX. XXXX XXXX provided XXXX percent financing for 18 months. I set it up on autopay through my XXXX XXXX account. On XX/XX/XXXX I received a notification from XXXX that my TV was delivered, ( 10 days earlier than it was suppose to be. I rushed to the address it was suppose to be delivered to. No TV. I rushed 30 miles to where I lived at that time. No TV. I called XXXX and they said they had no way to track where my TV was. Hours later a 3rd party shipper ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, called me saying they actually received the TV. I was XXXX and told them to send it back to XXXX. Weeks later I received an email verifying XXXX received the TV and the purchase price {$1300.00} was credited to my account. However, months later I saw 2 payments had been taken from my XXXX XXXX account by XXXX XXXX which evidently handles XXXX XXXX. XXXX XXXX XXXX XXXX. retrieved 1 payment and put a stop to further withdrawals. I've contacted XXXX and XXXXXXXX XXXX several times and mailed emails proving the TV was returned. They ignored my proof and ruined my credit and harass me daily with 4 calls, including XXXXXXXX XXXX last night.

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 2025-02-01 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: MN

Complaint narrative:
In XX/XX/2024 I purchased a TV from XXXX and specified it was to be delivered no sooner than XX/XX/XXXX of XXXX XXXXXXXX XXXX provided XXXX percent financing for 18 months. I set it up on autopay through my XXXX XXXX account. On XX/XX/XXXX I received a notification from XXXX that my TV was delivered, ( 10 days earlier than it was suppose to be. I rushed to the address it was suppose to be delivered to. No TV. I rushed 30 miles to where I lived at that time. No TV. I called XXXX and they said they had no way to track where my TV was. Hours later a 3rd party shipper ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, called me saying they actually received the TV. I was pissed and told them to send it back to XXXX. Weeks later I received an email verifying XXXX received the TV and the purchase price {$1300.00} was credited to my account. However, months later I saw 2 payments had been taken from my XXXX XXXX account by XXXXXXXX XXXX, which evidently handles XXXX XXXX. XXXX XXXX Fraud dept. retrieved 1 payment and put a stop to further withdrawals. I've contacted XXXX and XXXX XXXX several times and mailed emails proving the TV was returned. They ignored my proof and ruined my credit and harass me daily with 4 calls, including XXXX XXXX last night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and erroneous information on my credit report that has caused me financial harm, including being denied loans and credit cards. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is accurate, fair, and substantiated. 

Upon reviewing my credit report, I have identified incorrect information that has negatively impacted my creditworthiness. This misinformation has resulted in my inability to secure credit, causing undue financial distress. Under the FCRA, you are obligated to investigate and correct any inaccuracies within 30 days of receiving this notice ( 15 U.S.C. 1681i ( a ) ). 
The specific inaccuracies include : XXXX XXXX XXXX XXXX XXXX payments. 
XXXX XXXX XXXX XXXX XXXX late payments. 
Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Given the recent lawsuit against Equifax and Experian for failing to uphold these obligations, it is evident that there has been negligence in ensuring fair and accurate reporting. Due to this negligence, my credit score has been unfairly affected, and I have suffered damages, including credit denials. 

Under the FCRA : You must conduct a thorough investigation within 30 days ( 15 U.S.C. 1681i ( a ) ). 

If the disputed information is found to be inaccurate or unverifiable, it must be corrected or deleted promptly ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

You are required to notify the creditor or furnisher of my dispute ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ). 

I demand that you immediately investigate this matter and correct the inaccuracies. Additionally, I request that you provide me with a written statement of the investigation results, an updated copy of my credit report, and confirmation that any erroneous data has been removed or corrected. If you fail to comply with these legal obligations. 
Please confirm receipt of this letter and respond to my dispute within the legally required timeframe. I expect to receive confirmation of the corrections within 30 days as mandated by 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
please reinvestigate these matters and delete or correct the disputed information as soon as possible

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 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I noticed a day after transaction that 3 separate charges were made to my account Charges were for {$50.00} PURCHASE XXXX XXXX IL {$12.00} PURCHASE XXXX XXXX XXXX {$180.00} PURCHASE XXXX XXXX XXXXXXXX XXXX I immediately called my bank ( wells fargo ) upon notice and cancelled my card. My card was in my possession at the time. No one was allowed access to my card or bank details. Yesterday, I got a letter stating that the case was closed because they used digital wallet, my pin?. But ive never let anyone use my card and ive never even been to those states/places. I dont understand how they couldnt have known it was fraud, considering the purchases were made in 3 different states. Taxes were already included so all purchases were rounded up. It doesnt make sense!!

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
on XX/XX/XXXXXXXX XXXX XXXX I requested that transuion provide me with the method the used in validating the accounts listed in the attachment and they had 5 days according to the FRCA to provide those responses and they never responded. its been more than a month and still no response.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2025-02-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report I noticed unauthorized inquiries which are negatively impacting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: WA

Complaint narrative:
Approximately XX/XX/year>, after not being able to reach anyone regarding cancelation of my security services I found an XXXX  service email address. I sent my account # along with my request to cancel my services. I continued to receive bills for another 3 months at which time I called the same phone number that I had attempted multiple times prior, but this time I did get an actual human. After explaining my situation and providing proof of the email and phone calls, the XXXX canceled the account but informed me that I would still be responsible to pay those 3 months of bills. I argued my point to the end, but the agent was not having any of it. Since then, I have been harassed by more than one collection agency. Every time, I explain the situation and refuse the false charges. The bill is only {$200.00} which I could easily pay, but by principal I refuse to give them the satisfaction of bullying me to pay a bill that is false and misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: MS

Complaint narrative:
Dear True Accord, This letter serves as a formal notification to immediately cease all communication regarding the debt associated with account number XXXX pursuant to the Fair Debt Collection Practices Act, 15 USC 1692c. Please refrain from contacting me via phone, mail, or any other means regarding this debt. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synergetic Communication Inc
State: MA

Complaint narrative:
The law that applies to charge-offs in credit repair falls under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : 15 U.S. Code 1681c ( FCRA ) - This states that charge-offs must be removed from your credit report after 7 years from the date of the first delinquency.

15 U.S. Code 1692e ( FDCPA ) - This prohibits debt collectors from using false, deceptive, or misleading practices, including misrepresenting a charge-off status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute the inaccurate reporting of a charge-off account by AFFIRM INC account number XXXX which continues to report an outstanding balance on my credit report. This reporting is misleading and may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Nature of the Dispute : Incorrect Balance Reporting on a Charge-Off : A charge-off means the creditor has written off the debt as a loss. However, they continue to report a balance, which is misleading and may violate credit reporting regulations. 
Potential Double Reporting : If this debt has been sold to a third-party collection agency, the original creditor should not continue to report a balance. Instead, they should reflect a XXXX balance with a charge-off notation. 
Failure to Properly Update Credit Reporting : Despite my prior disputes with the creditor and credit bureaus, this inaccurate reporting has not been corrected. 

Requested Action : XXXX. Investigate and Correct the Reporting : I request that the CFPB investigate AFFIRM INC and ensure compliance with credit reporting laws. 
XXXX. Ensure the Charge-Off Reflects a XXXX XXXX : If the debt has been sold, the creditor must update the balance to XXXX  preventing misleading reporting. 
XXXX. Require Updated Reporting to Credit Bureaus : I request that the creditor correct their reporting with all three credit bureaus ( XXXX, XXXX, and XXXX ). 

I have attached supporting documents, including a copy of my credit report with AFFIRM INC reporting a balance as oXXXX XXXX which is against the law I appreciate your prompt attention to this matter. Please provide a written response detailing the steps being taken. You may contact me at XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the information on my credit report that I believe is a result of the Equifax data breach that occurred in XXXX My personal information, including [, may have been affected 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 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 fraudulent activities or negative impacts you have experienced ]. Per the Fair Credit Reporting Act, I15 U.S.C.SS 1681i, which mandatesthat you investigate this matter and provide me with an updated copy of my credit report reflecting any corrections. I am including copies of any relevant documents that support my dispute.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX CARD # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX DATA CONSUME XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX CARD # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX DATA CONSUME XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-02-01 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: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit file, I have noticed an error in the reporting of my XXXX XXXX Specifically, the report states that my balance was updated on XX/XX/XXXX, despite the account being charged off in XX/XX/XXXX. 

This information is incorrect because if the account was charged off in XXXX, the balance should not be continually updated as of XXXX. The continued reporting of an updated balance creates misleading and unfair damage to my credit profile. Additionally, it appears that the credit usage is listed at 124 %, which is mathematically inaccurate considering my credit limit was {$2700.00}, and my highest balance is only reported as {$3300.00}. 

I request that Experian investigate this matter and either remove or correct the inaccurate data on my credit report immediately. Please conduct a thorough review and provide me with the results of your investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required. 
Sincerely, XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Dear Experian, I am writing to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit file, I have noticed an error in the reporting of my XXXX XXXX Specifically, the report states that my balance was updated on XX/XX/XXXX, despite the account being charged off in XX/XX/XXXX. 

This information is incorrect because if the account was charged off in XXXX, the balance should not be continually updated as of XXXX. The continued reporting of an updated balance creates misleading and unfair damage to my credit profile. Additionally, it appears that the credit usage is listed at 124 %, which is mathematically inaccurate considering my credit limit was {$2700.00}, and my highest balance is only reported as {$3300.00}. 

I request that Experian investigate this matter and either remove or correct the inaccurate data on my credit report immediately. Please conduct a thorough review and provide me with the results of your investigation in writing.

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