vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
IQ Data claims I owe over {$1000.00} but hasnt certified or clarified the debt. Despite a certified letter and calls in XX/XX/year>, theyve failed to respond. The debt remains on my credit report. I never owed XXXX XXXX, and my ledger was zeroed out upon moving.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> I received a call from my Citibank Mastercard about suspected fraud. They listed several transactions in different parts of the city for large amounts. I let them know that all of the charges were fraudulent as I'd been home at the time and was unfamiliar with these neighborhoods and stores. The total charges are {$3000.00}. 

On XX/XX/year>, I received a letter from Citibank denying the disputes and saying that because the card 's EMV chip had been used and I had confirmed that the card was in my possession, they refuse to consider this as fraud. 

The spending spree that the thieves went on lasted for 3 days, during which I was in my neighborhood, at home. Given that they called me suspecting fraud, which I confirmed, this refusal is ludicrous.

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 2025-01-12 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: FL

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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 an 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 2025-01-12 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: FL

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. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 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 2025-01-12 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: TN

Complaint narrative:
Re : Dispute of Inaccurate Credit Information for Account # XXXX I am writing to dispute inaccurate information reported by XXXX XXXX XXXX my credit report. The account details are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Closed Date : XX/XX/2024 Balance : {$0.00} The following inaccuracies are noted : The account is reported as late ( XXXX, XXXX, and 90 days ) after the account was closed and paid in full. 

There are inconsistencies in reporting among TransUnion and XXXX. 
XXXX falsely reports the account status as XXXX  days or more than XXXX payments past due despite the account being paid in full. 

Under the Fair Credit Reporting Act ( FCRA ), they are required to ensure the accuracy of the information you report. I request that you investigate these inaccuracies and update my credit report to reflect accurate information. 

Please provide the results of your investigation in writing and send me an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

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 2025-01-12 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: CA

Complaint narrative:
In accordance with the fair credit reporting act. Reporting at the list of accounts below has violated my federally protected, consumer right to privacy and confidentiality under. ( 15 USC ) ,1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to ( 15 USC ) ( 1681i5 ) they are supposed to do this ( 5 ) treatment of the inaccurate or unverifiable information ( A ) in generally, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer reporting agency shall ( 1 ) promptly delete that item of the information from the file of the rein investigation, and probably notify the furniture of that information that has been modified or deleted from the file of the consumer and according to ( 15 ) USC 1681s-2 they are supposed to not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that information is an accurate.

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 2025-01-12 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: Kriya Capital, LLC
State: AL

Complaint narrative:
For months I have submitted requests to investigate who these companies are that are submitting my information in the form of a collection, to XXXX and XXXX. Each time they so called investigate, I receive an update that the debt is valid. But per my knowledge I have not even communicated with them companies at all, nor done a contract with them. I dont think I have been given a fair chance. Also per 15 U.S. code ( a ) XXXX, my personal information has been exchanged without my consent to these companies. And I have not been able to get housing for my family because of those accounts placed on my report be, theyre fraudulent if you ask me. I dont understand the process of investigation by XXXX but I dont think they have done any investigating. Please help me with this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
For months I have submitted requests to investigate who these companies are that are submitting my information in the form of a collection, to XXXX and XXXX. Each time they so called investigate, I receive an update that the debt is valid. But per my knowledge I have not even communicated with them companies at all, nor done a contract with them. I dont think I have been given a fair chance. Also per 15 U.S. code ( a ) 4, my personal information has been exchanged without my consent to these companies. And I have not been able to get housing for my family because of those accounts placed on my report be, theyre fraudulent if you ask me. I dont understand the process of investigation by XXXX but I dont think they have done any investigating. Please help me with this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
My problem Is not that I got denied for the Amazon Credit Card.

But it was in black and white that a hard inquiry will only be performed and credit dinged only if you get approved and accepted. If you dont get approved there is no hard inquiry. I read this on more than 1 site which is why I applied. Therefore This inquiry needs to be removed ASAP. I have over XXXX fico and beacon scores and Im not gon na let people who dont care pull it down.

Furthermore several Months ago I had XXXX  cards through synchrony ( each had XXXX limits and were regularly being used but I kept low limits. XXXX morning out of the blue synchrony decided to cancel all XXXX with no explanation other than I was a high risk, whatever that means.. Again my score then and now was nearly XXXX with no late payments ever. They said that they saw that XXXX  years ago I had a belk charge off. Well that should have been seen before giving new credit for belk and amazon as well as XXXX XXXX  American eagle and XXXX. Im angry and I want something done about this Also I would like to be pointed in the right direction for scenario number XXXX. Bc I plan to sue them if thats possible. Its not about the cards/money anymore just about the fact that big companies decide they can do whatever. If I have to get a lawyer with this case I will. I will spend money out of my own pocket to See the correct thing happen. Thanks

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 2025-01-12 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: GA

Complaint narrative:
I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person XXXX XXXX XXXX XXXXXXXX ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or XXXX which makes their factors or algorithm not a factor where the consumer report is concerned.

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 2025-01-12 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: TN

Complaint narrative:
These injuries were unauthorized. 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am challenging the accuracy of this account as listed on my credit report. The reported balance and charge-off status are incorrect because the account was fully resolved in the past. This inaccurate information is harming my creditworthiness, and I request an immediate investigation. Please update my credit report to remove this error and inform me once the correction is completed. It is essential that my credit report accurately reflects my financial history.

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 2025-01-12 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: TX

Complaint narrative:
I am writing to bring to your attention the presence of unauthorized hard inquiries on my credit report maintained by your bureau. I kindly request your assistance in investigating and removing these inquiries, as they were made without my knowledge, consent, or any legitimate purpose. I believe that their inclusion on my credit report is unfair and unjust, and I seek resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). 

The following unauthorized hard inquiries are currently reflected on my credit report : Inquiry Date : XX/XX/year> Inquiry Source : XXXX XXXX I hereby request a thorough investigation into these unauthorized hard inquiries. I require you to verify the legitimacy of each inquiry and provide evidence that justifies their inclusion on my credit report. If you are unable to substantiate the legitimacy of these inquiries, I kindly request their immediate removal from my credit report. 

Furthermore, I urge you to take necessary measures to prevent any re-reporting of these unauthorized hard inquiries to any third parties. Their continued presence on my credit report could result in adverse effects on my creditworthiness and financial opportunities. I expect your assurance that no further harm will be caused by these inquiries. 

Please provide me with a written response within the statutory timeframe of 30 days, detailing the actions you have taken to address this matter. I anticipate a prompt resolution in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I trust that you will handle this issue with the utmost professionalism and adherence to applicable laws. 

Thank you for your attention to this matter. I appreciate your efforts in rectifying the unauthorized hard inquiries on my credit report and restoring the accuracy of my credit history.

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 2025-01-12 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am disputing the charge-off status of XXXX loans with Affirm ( Loan XXXX XXXX and XXXX ). I request a detailed payment history and clarification on whether a XXXX was issued. Reporting the loans as both charged off and canceled may violate FCRA and tax laws. Please update or correct the reporting promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: GA

Complaint narrative:
Dear Equifax, I am writing to formally dispute the inclusion of medical bills on my credit report, as this is in direct violation of recent changes in the law, which were enacted to protect consumers from unfair and harmful credit reporting practices. 

As of XX/XX/year>, a new regulation signed into law by XXXX XXXX XXXX specifically prohibits the reporting of medical debt on credit reports, with clear stipulations that these accounts must be removed immediately from all credit reports. The law also restricts credit reporting agencies from including medical debt under certain circumstances, particularly when the debt is under dispute or has been paid or settled. 

Upon reviewing my credit report, I have found XXXX XXXX XXXX XXXX listed as active debts. I demand that you immediately delete these medical debts from my credit file, in accordance with the updated law. 

It is clear that the continued reporting of these medical debts is unlawful and in violation of my rights under the new legislation. Your failure to remove these items will not be tolerated, and I will be forced to take further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, as well as pursuing legal remedies for any damages caused by these inaccurate and illegal entries on my credit report. 

Please provide me with written confirmation within XXXX business days that these medical debts have been removed from my credit file and that my credit report is now in full compliance with the new law. Should you require any additional documentation from me to expedite this matter, please let me know immediately. 

I expect prompt resolution of this issue and will take all necessary steps to ensure my rights are fully enforced. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 2025-01-12 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: FL

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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