vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
I am asking for your help in regards to these accounts, I want your help as these accounts is being reported differently across XXXX bureaus and I need your help to correct this.

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Equifax Attn : Consumer Relations/Dispute Department Subject : Request for Immediate Review of Reporting and Disclosure Practices Dear Equifax Representative XXXX I am writing to express serious concerns regarding Equifaxs handling and reporting of my personal and financial information. It appears that certain practices may conflict with The Privacy Act of 1974 ( 5 U.S.C. 552a ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and the Gramm-Leach-Bliley Act ( GLBA, 15 U.S.C. 6802 ). In particular : 1. Unauthorized Disclosure of Private Information Under the Privacy Act, consumer dataespecially transaction historymust not be shared without explicit, written consent. If Equifax has been distributing my transaction details or other sensitive records improperly, it may be infringing upon my federally protected privacy rights. 
XXXX. Misrepresentation of Charge Off as a Certificate of Indebtedness In many cases, a charge off is effectively deemed a Certificate of Indebtedness and can be reported as income for tax purposes ( e.g., via Form 1099-C ). If Equifax is representing these accounts in a manner that inaccurately portrays my financial situation, such reporting may conflict with FCRA guidelines. 
XXXX. Compliance with FCRA and GLBA FCRA ( 15 U.S.C. 1681 et seq. ) : Consumer reporting agencies must uphold stringent accuracy and privacy standards when collecting and sharing credit information. 
GLBA ( 15 U.S.C. 6802 ) : This statute restricts unauthorized disclosure of nonpublic personal information. If Equifax is releasing any personal data to third parties without my explicit consent, it may be in violation of GLBA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
The items XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX  are inaccurate . To my knowledge I have not signed any documents authorizing the companies in question to view my credit report. I did not consent to anyone pulling my credit score on XX/XX/year>. The listed inquiries above were without authorization and for no legitimate business purposes. I NEVER AUTHORIZE SUCH ACTION AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION TO MY RIGHTS OF PRIVACY. I am requesting that these items be removed. I respectfully request a copy of any authorizing credit inquiry and sign on my behalf so that I may verify its validity. If YOU FIND THAT I DID NOT AUTHORIZE THESE INQUIRIES I ASKED THAT IT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE. 
Please investigate this matter and delete [ or correct ] the disputed item [ s ] as soon as possible. I hope I can receive a response back or any information from you guys as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: CA

Complaint narrative:
The items XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXk, and XXXX XXXX  are inaccurate . To my knowledge I have not signed any documents authorizing the companies in question to view my credit report. I did not consent to anyone pulling my credit score on XX/XX/year>. The listed inquiries above were without authorization and for no legitimate business purposes. I NEVER AUTHORIZE SUCH ACTION AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION TO MY RIGHTS OF PRIVACY. I am requesting that these items be removed. I respectfully request a copy of any authorizing credit inquiry and sign on my behalf so that I may verify its validity. If YOU FIND THAT I DID NOT AUTHORIZE THESE INQUIRIES I ASKED THAT IT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE. 
Please investigate this matter and delete [ or correct ] the disputed item [ s ] as soon as possible. I hope I can receive a response back or any information from you guys as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-01-14 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: FL

Complaint narrative:
Delete hard Inquiries : XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-14 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: AA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-01-14 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 looked at my report and i noticed there was a credit card in the amount of XXXX $ on my report which inturn i reached out to company asking for immediate removal so i got a police report from local sheriffs office and ftc.gov before retaining a lawyer for further litigation which is my next step.

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 2025-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I received a {$50.00} AMEX Gift Card from a friend. I have tried to use it several times at businesses that accept AMEX, and the card is always denied ... ...... The card is not out of date and I contacted AMEX Customer Service to confirm that there is {$50.00} on the card. They confirmed that the card is good for {$50.00}. The card is always denied ...... 

Please have AMEX send me a {$50.00} check and warn other consumers of the AMEX fraudulent Gift Cards ... ... ... ......

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2025-01-14 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: PA

Complaint narrative:
Re : Complaint XXXX XXXX XXXX, XXXX, and TransUnion for False Credit Reporting Dear CFPB, I am filing a formal complaint regarding violations of consumer protection laws by XXXX XXXX, XXXX, and TransUnion concerning the inaccurate reporting of a settled debt on my credit report. 
Specifically, the violations involve : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : Inaccurate reporting of a settled debt as unpaid. 
Failure to correct the false report after disputes were submitted with supporting evidence. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : Misrepresentation of the debt status by XXXX XXXX. 
What Happened : An outstanding balance of {$2900.00} for my XXXX XXXX account was placed under collection. On XX/XX/year>, I reached a settlement agreement with XXXX XXXX, paid the agreed amount, and received written confirmations that the account was fully settled and would no longer be placed under collection, and received the following confirmations : - Settlement agreement confirmation from XXXX XXXX. 
- Proof of payment of the settlement amount. 
- Confirmation of successful processing of the payment. 
- Written confirmation from XXXX XXXX stating that the account was fully settled and would no longer be placed under collection. 
Despite this, XXXX and TransUnion have continued to report a balance of {$2000.00} ( XXXX ) and {$2900.00} ( Transunion ) on this account, and labeling it as a " potentially negative account. ''. 
What I have Done to Resolve the issue : I have submitted disputes to both XXXX and TransUnion, providing supporting documentation that confirms the debt has been fully settled. However, both credit bureaus have stated that XXXX XXXX repeatedly confirmed the debt was still outstanding. This assertion is inaccurate and misleading, as evidenced by the documentation provided by 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 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Re : Complaint Against American Express, XXXX, and XXXX for False Credit Reporting Dear CFPB, I am filing a formal complaint regarding violations of consumer protection laws by American Express, XXXX, and XXXX concerning the inaccurate reporting of a settled debt on my credit report. 
Specifically, the violations involve : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : Inaccurate reporting of a settled debt as unpaid. 
Failure to correct the false report after disputes were submitted with supporting evidence. 
Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : Misrepresentation of the debt status by American Express. 
What Happened : An outstanding balance of {$2900.00} for my American Express account was placed under collection. On XX/XX/2024, I reached a settlement agreement with American Express, paid the agreed amount, and received written confirmations that the account was fully settled and would no longer be placed under collection, and received the following confirmations : - Settlement agreement confirmation from American Express. 
- Proof of payment of the settlement amount. 
- Confirmation of successful processing of the payment. 
- Written confirmation from American Express stating that the account was fully settled and would no longer be placed under collection. 
Despite this, XXXX and XXXX have continued to report a balance of {$2000.00} ( XXXX ) and {$2900.00} ( XXXX ) on this account, and labeling it as a " potentially negative account. ''. 
What I have Done to Resolve the issue : I have submitted disputes to both XXXX and XXXX, providing supporting documentation that confirms the debt has been fully settled. However, both credit bureaus have stated that American Express repeatedly confirmed the debt was still outstanding. This assertion is inaccurate and misleading, as evidenced by the documentation provided by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to demand that you immediately verify that the debt reported under my name related to Affirm is indeed mine. I have reviewed my credit report and found this entry, and I am requesting formal verification under the provisions set forth by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which mandates that any disputed information on a credit report must be verified within 30 days of a consumers dispute.

If you can not provide proper verification of this debt, including but not limited to an itemized statement or a copy of the original agreement with Affirm, this information must be removed from my credit report immediately as required by FCRA Section 1681i ( a ) ( 1 ) ( A ).

Additionally, I would like to remind you that under FCRA Section 1681c, any unverified information must be removed from my credit report within 30 days of my dispute. If you fail to comply with this request, I will not hesitate to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as the Federal Trade Commission ( FTC ), and pursuing legal action to protect my rights.

I am requesting the following : Provide written verification that this Affirm debt belongs to me, including the original signed agreement, a full account history, and any documentation linking me to this debt.

If you can not provide the requested verification, I demand that this account be removed from my credit report entirely within 30 days as required by law. 
If any inaccuracies remain, I will initiate further action to hold XXXX and any involved parties accountable for violating my rights. 
Consider this matter to be time-sensitive, and I expect your full cooperation in ensuring the accuracy and integrity of my credit report. If I do not receive a response within the XXXX period or if this issue is not resolved satisfactorily, I will take further action to ensure my legal rights are fully upheld. 

Please confirm receipt of this letter and provide a response within the legal time frame. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
On XX/XX/XXXX I sent Equifax a request for method of verification ( see attached letter ) Equifax responded on XX/XX/XXXX stating that the information in dispute was verified as accurate, via XXXX, HOWEVER I PROVIDED PROOF THAT XXXX HAS DELETED THE ACCOUNT FROM THEIR CREDIT FILE AS INACCURATE REPORTING. ( See attached letter from XXXX ) Equifax continues to NIOLATE THE FCRA 15 US CODE 1681i ( 7 ). I HAVE ATTACHED THEIR VIOLATIONS AND DEMAND THESE BE REMOVED IMMEDIATELY AS PER : 15 U.S. Code 1681i - Procedure in case of disputed accuracy information. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation