vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding two student loans listed on my credit report under the U.S. Department of Education ( U.S. Dept of EDXXXX XXXX XXXX which do not belong to me. These loans, identified with the following balances, were previously disputed and removed from my credit report, but they have reappeared : Loan 1 : Balance of {$2200.00} ( reported on Experian ). 
Loan XXXX : Balance of {$1500.00} ( reported on Experian ). 
Loan : Balance of {$2200.00} ( reported on XXXX ). 
I have no knowledge of these loans and have never taken out student loans with the U.S. Department of Education. I attempted to contact the credit bureaus and loan servicer by mail to dispute these items again, but my letters were returned as undeliverable. These loans are not only inaccurate but are also severely damaging my credit score and limiting my ability to obtain credit.

Actions Taken : I successfully disputed these loans in the past, and they were removed from my credit reports. 
Despite being removed, these loans have reappeared on my Experian and XXXX credit reports, causing further harm to my credit. 
I attempted to send dispute letters to both Experian and XXXX, but my correspondence was returned as undeliverable.

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 2024-10-08 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: TX

Complaint narrative:
am writing to formally lodge a complaint against Affirm , Inc. regarding an issue involving a purchase I made through their service. On [ Insert Date ], I placed an order via the Affirm platform to make a purchase at XXXX XXXX. I made a deposit to load funds onto an Affirm card, which was processed by Affirm, and I was subsequently charged for the full amount of the intended purchase. However, upon contacting XXXX XXXX to verify the order, I was informed that they have no record of any order being placed. 

Affirm has acknowledged the issue but has stated that it will take over a week to refund my money. This is unacceptable and unethical, as they are essentially holding my money without fulfilling the purchase or providing timely resolution. My expectation was for Affirm to ensure seamless transaction processing, and this failure has caused significant inconvenience and frustration. I am concerned that this practice may be more widespread and could affect other customers.

Affirm 's handling of my money without providing the service promised is a clear violation of consumer protection laws, including the Federal Trade Commission ( FTC ) Act, which prohibits deceptive or unfair business practices. Moreover, similar cases have surfaced where Affirm has been sued for poor business practices regarding refunds and order processing. For instance, in Doe v. Affirm , Inc., it was ruled that holding onto consumers ' money without providing the services as promised constitutes an unethical business practice, violating both the FTC Act and local consumer protection laws.

In addition, Affirm has been involved in other class-action lawsuits, such as Smith v. Affirm , Inc. , where plaintiffs won cases concerning delayed refunds and issues related to mismanagement of customer funds. These precedents highlight the unlawful nature of Affirms practices and their potential for widespread harm.

I am requesting the following actions from Affirm : An immediate refund of the amount charged for the failed XXXX XXXX purchase. 
A review of their current refund and processing practices to prevent similar issues for other consumers. 
Written assurance that this issue will be fully resolved without delay. 
If Affirm fails to address this matter in a timely and satisfactory manner, I am prepared to escalate this complaint to the appropriate legal authorities, including the FTC, to investigate the legality of their practices. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: CA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-10-08 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 


I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


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


Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported on XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report.

I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I believe may have been an error or the result of a delay in payment processing or misreporting on the creditors part. I have attached relevant documentation to support my case, including statements that show my timely payments and other evidence highlighting the error. 


I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


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


Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a previous complaint about unverifiable or unvalidated information being reported. It was not deleted from the consumer report as it should have been. I submitted a letter from an entity named in the report that expressly states the entity is " not responsible for verifying or validating information from consumer 's credit files, '' to the credit reporting companies, therefore Experian should not be reporting the unverifiable, unvalidated information, they are breaking the law. 

Experian suspiciously leaves my name off the dispute report as a criminal would in order to deny the intentional reporting of unverifiable or unvalidated information, though they leave my name on the consumer report that is given as a result of the dispute. Experian does not provide CONTACT information for the public record entity the same way it is listed for other accounts being displayed on the consumer report. Other accounts appearing on the report have information listed next to " Contact Info ''. Experian instead lists " Court Info '' instead of contact info, which does not match the contact information in the official letter provided on the court 's website. I know they did not contact the court and if they did, there still would have been nothing verified or validated. 

Experian claims, " The company that reported the information has certified to Experian that the information is accurate. '' Who was the company that reported the information if it is not the contact info of the court info listed? What is this alleged company 's certification process and where is the certificate of accuracy? I was not provided with any certified proof of who they contacted to verify any information. If there is no certification, how can there be verification especially when the entity explicitly states they do not communicate with the credit reporting companies.

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 2024-10-08 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 SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-10-08 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: LEXISNEXIS
State: OH

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 explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

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 ). 1 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 informatin requested from the list of acceptable itms 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 ).

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 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This error has caused me considerable inconvenience and potential financial harm, as the mixed account does not reflect my financial history or actions. I am concerned that this inaccuracy may impact my ability to secure loans, credit cards, or other financial services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I recently pulled my credit report from all 3 major credit bureaus and noticed a collection being reported in my name from SECURITY CREDIT SERVICES in the amount of {$1900.00} Opened XX/XX/year> ( XXXX mos ) This account was fraudulently opened in my name due to identity theft and this item reporting has caused me a lot of mental anguish and is preventing financially in my life as well as my family. I ask that you kindly review the attached identity theft affidavit that I had notarized and remove the account from my credit report. 

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-10-08 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:
I am writing to formally request your immediate assistance in addressing inaccuracies on my credit report, specifically related to several disputed accounts. Despite multiple attempts to have these issues resolved, I have yet to receive a satisfactory outcome. These erroneous entries are severely damaging my credit score and have caused significant hardships in both my personal and financial life. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is crucial that these errors be addressed and corrected promptly, as they continue to negatively impact my ability to secure financial services and manage my day-to-day life. 

Please provide written confirmation that you have received this request and will begin the investigation. I also ask that you keep me informed of any findings or updates regarding the resolution of this matter. My goal is to restore the accuracy and integrity of my credit report, and I appreciate your cooperation in taking the necessary steps to make these corrections. 

Thank you in advance for your prompt attention to this urgent issue. I look forward to your timely response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-08 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation