vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 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: Security Credit Services, LLC
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> **Subject : Dispute Regarding Civil Liability Under 15 U.S.C . 1681o for Negligent XXXX Dear Security Credit Serv, I hope this letter finds you well. I am writing to formally dispute the civil liability imposed under 15 U.S.C. 1681o, specifically regarding allegations of negligent noncompliance with the provisions of the **Fair Credit Reporting Act ( FCRA ) **. 

It has come to my attention that your company has failed to adhere to the FCRA 's requirement to ensure the accuracy and completeness of my credit report. I believe that this failure constitutes negligent noncompliance under the law, as your organization did not take the necessary steps to ensure that the credit information maintained and provided was accurate, complete, and up-to-date. As a result, I have suffered harm, and I am requesting the removal or correction of any inaccurate or incomplete information reported. 

According to FCRA Section 1681o, liability can arise when a company fails to comply with any requirement imposed by the Act due to negligence. I respectfully assert that, upon review, your actionsor lack thereofindicate a clear instance of negligent noncompliance with the FCRA, as you did not take the required steps to ensure accuracy and proper handling of my credit file. 

To resolve this issue, I am requesting the following : 1. A thorough investigation into the disputed information and correction of any inaccuracies or omissions.

2. A written explanation of the steps your company will take to ensure full compliance with the FCRA moving forward.

3. A resolution of this dispute that removes any potential civil liability on my part. 

I am providing this letter as part of my efforts to resolve this matter amicably, and I respectfully request that you address this dispute in a timely manner. Please respond within 30 days from the date of this letter, as required by the FCRA. 

Should you fail to resolve this issue, I will not hesitate to seek the appropriate legal recourse, including reporting the matter to the Federal Trade Commission ( FTC ) and other relevant authorities. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: WI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/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 2025-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
1. Unfair and Inaccurate Negative Credit Reporting : I am writing to file a formal complaint against Affirm for unfair and inaccurate credit reporting practices. Specifically, Affirm has reported late payments on my credit report, negatively impacting my credit score. 

However, Affirm has never reported any of my previous on-time payments to the credit bureaus. This selective reporting, where only negative information is shared, is fundamentally unfair and misleading. 

This practice creates a skewed perception of my creditworthiness, as it only reflects negative events without any corresponding positive payment history. 

2. Lack of Consistent Reporting Standards : It is my understanding that Buy Now, Pay Later ( BNPL ) companies, including Affirm, should not report negative information if they have not consistently reported positive payment history. This is based on the principle that a complete and accurate credit profile requires a balanced representation of both positive and negative financial behavior. 

Many consumer advocacy groups and financial experts have raised concerns about the inconsistent reporting practices of BNPL companies. Reporting only negative data creates an incomplete and potentially damaging picture of a consumer 's creditworthiness. 

It is my understanding that the CFPB has been looking into the BNPL sector, and the unfair practices that are being used. 

XXXX. Difficulty Accessing Assistance During Financial Hardship : Furthermore, Affirm does not provide easily accessible avenues for customers to seek assistance during periods of financial hardship. 

Navigating their customer service channels to request payment arrangements or other forms of support is unnecessarily difficult and frustrating. This lack of transparency and accessibility exacerbates the negative impact of late payments, particularly during unforeseen financial challenges. 

I have attempted to contact them and have received no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I looked at a copy of my credit report and I noticed and inaccurate account XXXX XXXX XXXX XXXX. According to IRS canceled debt ( charge off ) is a gross or ordinary income. Income does not get reported on a consumer credit report. This charge off is inaccurate according FCRA 15 U.S.C. 1681e ( b ).

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 2025-02-25 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: NV

Complaint narrative:
I am wanting the original contract with my signature from this XXXX XXXX collection agency. I have requested it multiple times and not XXXX documentation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing this with concern to Zelles handling of disputes particularly in regards to the recent CFPB lawsuit pointing out significant issues with the platform. Despite using Zelle numerous times and previously in the past reporting discrepancies, my financial institution and Zelle failed to investigate my claim properly. I was informed that tracking the transactions was infeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : Original Creditor : XXXX XXXX Balance {$1000.00} CCI Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$55.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX  hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: AZ

Complaint narrative:
I have noticed multiple accounts on my credit report that I do not recognize. It seems that my identity may have been stolen, as I never authorized these accounts. I previously reported this issue, and I am now requesting their immediate removal. These unauthorized accounts are causing me considerable distress, as they do not accurately represent my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unresolved, I am prepared to take legal action to protect my rights. These inaccuracies are severely affecting my ability to achieve key financial goals, such as buying a home and providing for my family. I urge you to address this issue 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 explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 non-monetary relief
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I recently looked at a copy of my credit report and I noticed an inaccurate account XXXX  XXXX # XXXX. According to the IRS a canceled debt ( charge off ) is a gross or ordinary income. An income does not get reported on a consumer credit report. This charger off is inaccurate according to 15 U.S.C. 1681e ( b ),

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 2025-02-25 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: PA

Complaint narrative:
In accordance to the Fair Credit Reporting Act : XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX  account number XXXX has violated my right, 15 U.S.C. Sec. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. Sec. 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Due to this breach and the impact it has had on my personal data, I am requesting that this issue be removed from my report and that my privacy be fully restored.

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 2025-02-25 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA XXXX.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX  days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

XXXX.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : XXXX  XXXX  XXXX upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXXProvide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I received a letter from Credit Acceptance Corporation with the " intent to sue ''

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: CA

Complaint narrative:
The last 4 years I have not been sent my credit reports after I requested them online. The LexisNexis and XXXX have sent letters saying that can not identify me. Yet XXXX XXXX shows me my credit scores and information. In XXXX I asked LexisNexis to send me my credit report as directed by XXXX. I was sent the credit report online with a link which I couldnt download through California consumer privacy Act. XXXX said they could can not identify me. And asked me to send copies of my address with a utility bill and my name and a copy of my California drivers license.. I did so and have not heard anything from them. This was in XXXX and in XXXX. Why cant I get a copy of my credit information and not just online I am currently homeless and giving them an address because of the information that my last Senior apartment sent in to them.. they reported that I took a loan out for them and I never did. They were harassing me and I was forced to leave. Now that I dont have a address and using somebody elses, I cant even get a copy of the report and what was done to me so I can make a complaint. today is XX/XX/XXXX. I was trying to buy a home in my credit score kept going down into the XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
credit reporting agency is reporting incorrect and outdate address and information on my credit profile these companies are violating my rights as a consumer this is causing hardship for me and my family this situation is causing me be denied of housing opportunities and job opportunities.

Company response to consumer: Closed with non-monetary relief