vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to express my growing frustration and concern regarding the continued presence of inaccurate personal information on my credit report. This is now the sixth time I am disputing the same inaccuracies, and despite my repeated requests, these errors have yet to be corrected. This information is incorrect and does not belong to me. I have disputed this several times, providing all the necessary documentation and identification to support my claims. Despite my efforts and your agencys obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer credit information, these errors persist on my credit file. 

The ongoing inclusion of inaccurate personal information on my credit report is not only misleading but has the potential to negatively impact my financial standing and creditworthiness. It is unacceptable that after five previous disputes, no resolution has been made. 

I am formally requesting once again that your agency immediately investigate and correct these inaccuracies. Please ensure that all incorrect personal information is permanently removed from my credit file and that my report is updated to reflect accurate, current details. 

In accordance with the FCRA, I am entitled to an accurate credit report, and I expect that this matter will be handled swiftly and effectively. Please confirm in writing once the corrections have been made, and provide me with an updated copy of my credit report reflecting these changes. 


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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to express my growing frustration and concern regarding the continued presence of inaccurate personal information on my credit report. This is now the sixth time I am disputing the same inaccuracies, and despite my repeated requests, these errors have yet to be corrected. This information is incorrect and does not belong to me. I have disputed this several times, providing all the necessary documentation and identification to support my claims. Despite my efforts and your agencys obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of consumer credit information, these errors persist on my credit file. 

The ongoing inclusion of inaccurate personal information on my credit report is not only misleading but has the potential to negatively impact my financial standing and creditworthiness. It is unacceptable that after five previous disputes, no resolution has been made. 

I am formally requesting once again that your agency immediately investigate and correct these inaccuracies. Please ensure that all incorrect personal information is permanently removed from my credit file and that my report is updated to reflect accurate, current details. 

In accordance with the FCRA, I am entitled to an accurate credit report, and I expect that this matter will be handled swiftly and effectively. Please confirm in writing once the corrections have been made, and provide me with an updated copy of my credit report reflecting these changes. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal 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 2024-09-26 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: MD

Complaint narrative:
To Whom It May Concern, I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. 

XXXX XXXX XXXX XXXXXXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXXXXXX XXXX XXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXXXXXX XXXX XXXX XXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXXXXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!

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 2024-09-26 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: MD

Complaint narrative:
To Whom It May Concern, I am writing this letter regarding the account numbers provided below. I do not have any such account with that company and I have tried to dispute it directly, to no avail. This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. 

XXXX XXXX XXXX XXXXXXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXX - XXXX This is paid as agreed and should not be reported negatively on my report. Please reverse all late payments! 

XXXX XXXX - XXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX - XXXX According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: NC

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 that I have the right to privacy. 

1

5 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-26 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: DC

Complaint narrative:
I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 

Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I purchased an item from XXXX XXXX  and used Affirm as a payment option to pay installments. 
I changed my mind about the item and returned it the same day I received it at a local XXXX XXXX  store on XX/XX/XXXX. 
Full amount of {$520.00} was refunded by XXXX and should have cancelled the entire loan with Affirm. 
Affirm did not cancel the loan but instead credited a different account, not XXXX XXXX. 
I called to state that the item was returned and that I should not be still responsible for the loan term as the item was returned. 
I requested information about XXXX return policy and whether or not this was valid. 
I kept be put on hold. I was told that this could not be resolved but when I got upset the respresentative stated that they would expedite my request to have it further investigated. 
I am being held to a loan that should have been closed. 
I expressed that I no longer could pay it and it was not in my budget to pay and the item was returned so I should not be responsible for it anyways. 
I called on or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to resolved and to get updates but nothing I returned an item and was fully credited and therefore should not still be responsible for a loan through Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I understand the Fair Credit Reporting Act entitles me to challenge any erroneous information in my credit report. As a responsible consumer, I take this matter seriously. However, I am disappointed to see allegations of delinquency and derogatory information on my report, which are entirely false. I request that you provide evidence supporting why my accounts are considered to be in a negative state. It is crucial to follow the law 's mandate that all information be documented and validated before creditors can utilize it. I'm concerned you are not fulfilling your responsibilities, and I urge you to rectify this issue as soon as possible. 

XXXX - XXXX This is completely inaccurate. - You have violated U.S. Code 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports. According to this law, a consumer reporting agency may only provide a consumer report under specific conditions, including having the written consent of the consumer in question. I never provided such written authorization for any information to be included in my consumer report. As a consumer, I demand the immediate removal of the accounts listed in this letter. If this is not done, I will pursue monetary damages through small claims court in my city and state. Additionally, we have already filed a complaint with the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX - XXXX I believe this collection is reporting inaccurately. - By 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In this case, this account is reported with a lot of missing information. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. 

XXXX XXXX - XXXX I believe this collection is reporting inaccurately. - By 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In this case, this account is reported with a lot of missing information. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I understand the Fair Credit Reporting Act entitles me to challenge any erroneous information in my credit report. As a responsible consumer, I take this matter seriously. However, I am disappointed to see allegations of delinquency and derogatory information on my report, which are entirely false. I request that you provide evidence supporting why my accounts are considered to be in a negative state. It is crucial to follow the law 's mandate that all information be documented and validated before creditors can utilize it. I'm concerned you are not fulfilling your responsibilities, and I urge you to rectify this issue as soon as possible. 

XXXX - XXXX This is completely inaccurate. - You have violated U.S. Code 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports. According to this law, a consumer reporting agency may only provide a consumer report under specific conditions, including having the written consent of the consumer in question. I never provided such written authorization for any information to be included in my consumer report. As a consumer, I demand the immediate removal of the accounts listed in this letter. If this is not done, I will pursue monetary damages through small claims court in my city and state. Additionally, we have already filed a complaint with the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission. 

XXXX - XXXX I believe this collection is reporting inaccurately. - By 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In this case, this account is reported with a lot of missing information. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims. 

XXXX XXXX - XXXX I believe this collection is reporting inaccurately. - By 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. In this case, this account is reported with a lot of missing information. As these claims remain unproven and undocumented, they can not be assumed valid nor compliantly reported. I request evidence of your adherence to applicable compliance standards for this particular account. Furthermore, I must insist on the immediate deletion of these unsubstantiated claims.

Company response to consumer: Closed with non-monetary relief