vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-10 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by TransUnion, XXXX, and XXXX regarding the account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : TransUnion reports {$620.00}, XXXX reports {$0.00}, and XXXX reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information.

Conflicting " Date of Last Activity '' ( DLA ) : TransUnion lists XX/XX/XXXX, XXXX lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ). 

Missing " Closed Date '' Information : TransUnion lists the account as closed on XX/XX/XXXX, but XXXX and XXXX fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ). 

Erroneous XXXX XXXX XXXX : XXXX 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting XXXX, XXXX, and XXXX lates. 

XXXX 's late payment history conflicts with XXXX 's reporting, creating additional inaccuracies. 

These errors violate 611 ( a ) ( 1 ) ( A ).

Inconsistent Credit Limit Reporting : TransUnion and XXXX list a credit limit of {$600.00}, but XXXX lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ). 

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

Requested Resolution : Delete this account from my credit reports at TransUnion, XXXX, and XXXX. 

Provide me with a written confirmation of the deletion. 

Enclosed are copies of my credit reports highlighting the discrepancies and inconsistencies for your review. 

Thank you for your immediate attention to this matter. Please contact me if you require additional information. I look forward to your response within the XXXX investigation period as required by the FCRA. 

[ XXXX XXXX ] XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Wilber and Associates, P.C.
State: TX

Complaint narrative:
Wilber Group has represented themselves as attorneys on multiple occastions. They have repeatedly made threatening and harassing phone calls. I have asked for written verification of the debt. I was ordered to pay {$1700.00} from the XXXX XXXX XXXX and they are stating I have to pay {$2500.00} to settle. Every time we speak with someone, we get different information, and no one will assist in getting the debt settled. We have requested for a payment plan for the amount ordered by the court, and they are unwilling to assist with anything. They will just hang up the phone on you. This is a poor way to do business and the effects of this directly affects my livelihood and family. XXXX needs to find a better company to handle their claims. They are making it impossible to settle this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I did not instigate these inquiries and have suspicions of their fraudulent nature. I request a comprehensive investigation and their swift removal from my credit report. Supporting documents have been provided for your examination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

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 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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I had a loan with American Credit Acceptance and my car was total out by insurance company at a no fault of my own this happen before my car payment was due this car was paid off fully by the person who hit me at their fault insurance companythis car was my lifeline and I had full coverage insurance and I also had gap insurance this credit company has ruined and still ruining my life and im under major distressed and have became nearly homeless lost my credit and my job due to a car wreck I was not at fault for I have sent them the police report multiple times they have continue to hit my credit and run me into major financial problems as well as the fact that I'm under major duress I have told my XX/XX/XXXX what has triggered my XXXX and mind you once again it was covered please excuse my distressed regarding this matter it is by no means to you all sincerely please help. Me in this very serious matter I need my credit back so I can move forward and build a even better credit score my dream..thanks!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: IL

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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-01-10 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to dispute inaccurate information reported by TransUnion, XXXX, and XXXX regarding the account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and consistent information on my credit reports. After reviewing my reports, I found several errors : Inconsistent " High Balance '' : TransUnion : {$520.00}, XXXX : {$0.00}, XXXX : {$320.00}. 

Violates 623 ( a ) ( 1 ) ( A ). 

Conflicting " Date of Last Activity '' ( DLA ) : TransUnion : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX. 

Violates 611 ( a ) ( 1 ) ( A ). 

Omission of " Closed Date '' : TransUnion lists XX/XX/XXXX, but XXXX and XXXX do not report this information.

Violates 609 ( a ) ( 1 ).

Discrepancy in Creditor Remarks : TransUnion : " Charged off as bad debt, '' XXXX : " Profit and loss write-off, '' XXXX : XXXX Charged off account. '' Violates 611 ( a ) ( 1 ) ( A ). 

Inconsistent " Credit Limit '' : TransUnion and XXXX : {$400.00}, XXXX : {$0.00}. 

Violates 609 ( a ) ( 1 ). 

Payment History Errors : XXXX shows inconsistent reporting of charge-offs ( CO ), while XXXX exaggerates late payments ( e.g., 37 instances of 90-day lates ). 

Violates 611 ( a ) ( 1 ) ( A ).

These inaccuracies are harmful to my creditworthiness and violate the FCRAs requirement for accurate and verifiable reporting. I request the immediate deletion of this account from all three credit bureau reports due to the following reasons : The errors are inconsistent and unverifiable.

The reporting violates multiple sections of the FCRA, including 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ). 


[ XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-10 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: DE

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX, De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to dispute inaccurate information reported by XXXX, Experian, and XXXX regarding the account XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate, complete, and consistent information on my credit reports. After reviewing my reports, I found several errors : Inconsistent " High Balance '' : XXXX : {$520.00}, Experian : {$0.00}, XXXX : {$320.00}. 

Violates 623 ( a ) ( 1 ) ( A ).

Conflicting " Date of Last Activity '' ( DLA ) : XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX. 

Violates 611 ( a ) ( 1 ) ( A ).

Omission of " Closed Date '' : XX/XX/XXXX lists XX/XX/2021, but Experian and XX/XX/XXXX do not report this information.

Violates 609 ( a ) ( 1 ). 

Discrepancy in Creditor Remarks : XXXX : " Charged off as bad debt, '' Experian : " Profit and loss write-off, '' XXXX : XXXX Charged off account. '' Violates 611 ( a ) ( 1 ) ( A ). 

Inconsistent " Credit Limit '' : XXXX and Experian : {$400.00}, XXXX : {$0.00}. 

Violates 609 ( a ) ( 1 ). 

Payment History Errors : Experian shows inconsistent reporting of charge-offs ( CO ), while XXXX exaggerates late payments ( e.g., XXXX instances of XXXX0-day lates ).

Violates 611 ( a ) ( 1 ) ( A ). 

These inaccuracies are harmful to my creditworthiness and violate the FCRAs requirement for accurate and verifiable reporting. I request the immediate deletion of this account from all three credit bureau reports due to the following reasons : The errors are inconsistent and unverifiable. 

The reporting violates multiple sections of the FCRA, including 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ). 


[ XXXX XXXX ] XX/XX/XXXX XXXX XX/XX/XXXX XX/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 2025-01-10 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to XX/XX/XXXX. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 
I kindly request that you block and remove all information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen XX/XX/XXXX to XX/XX/XXXX I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 
I kindly request that you block and remove all information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: CT

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 non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Creating another case for my closed case. I need to resolve this issue with Apple Card XXXX Goldman Sachs bank. I was enrolled in apple card in XXXX, attempted enrolling in a payment plan in XX/XX/XXXX, XX/XX/XXXX my card was cancelled yet I paid my installment of the payment plan. They say they were not honoring the plan i had agreed to. Said they failed to read some very vital disclaimer, their fault. I need to be compensated via the victims fund for apple cards breach of conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
i opted out of all credit products YEARS ago and these people are stillXX/XX/XXXXand when i complain they told me to go XXXX myself. totally illegal harassment. i want OUT of their XXXX systems and i want them to be prosecuted for the fraud which instigated this whole ordeal. i am owed in excess of a XXXX dollars. return my collateral now! stop contacting me. send further communications here : XX/XX/XXXX here is a copy of the text from their latest email : XXXX XXXX, Thank you for reaching out to Upstart XXXX XXXX and sharing your concerns. We take the concerns of our customers seriously, and when we do not meet your expectations we are grateful to hear from you. 

We have performed an in-depth investigation to address your concerns. 

We are unable to delete your information or documents submitted or collected during the application process because Upstart maintains records of its interactions with customers and consumers to support its ongoing business concerns which include meeting various requirements from outside parties. Im not permitted to discuss our specific requirements with you, but you can rest assured that your personal information is stored securely and that it will not be sold or shared with other organizations, except as required by law. 

We store this personal information for as long as necessary to carry out the purposes for which we originally collected it and for other business purposes explained in our Privacy Policy. 

Our Privacy Policy explains how we collect, use, and protect your information. You can view the policy online at any time by following this link : https : //www.upstart.com/privacy_policy. This information can also be found at the bottom of any Upstart XXXX XXXX page. 

We can confirm that we have withdrawn your application, added you to our internal do not mail list, and removed your email address from our email list. 

We regret to hear that your experience did not meet your expectations, but we appreciate you taking the time to speak with us regarding the concern. 

We strive to provide an excellent customer experience to all consumers that seek our assistance. We are always looking for ways to better our service, and your feedback is an invaluable part of that process. Please know that the feedback you provided will be considered as we continue to enhance our products and services. 

If you have any questions, you can email Upstart XXXX XXXX at XXXX, or you can call us at ( XXXX ) XXXX. Our phone lines are open every day from XXXX PST ( XXXX EST ), except XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX Day. 

Best regards, XXXX Upstart XXXX XXXX XXXX upstart XXXX XXXX ref :! XXXX.! XXXX : ref

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Creditor information ALLY FINANCIAL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX fl XXXX Experian credit Bureau XXXX XXXX XXXX XXXX TX XXXX Dispute of debt and request for validation Dear Experian, I am writting regarding your recent communication concerning an alleged debt. I disputing the validity of this debt under the fair debt collection practices act ( FDCPA ), 15 U.S.C. & 1692g, and i am requesting that you provide validation of the debt as required by law.

Please provide the following information : 1. the name of the original creditor 2.The amount of the debt, including a detailed breakdown of any fees, interest, or other charges.

3. verification that you are legally authorized to collect this debt.

4. Copies of any documents or agreements that demonstrate that i am legally obligated to pay this debt. 

Additionally, I request that you cease all collection efforts, including phone calls, until this debt has been validated. Be advised that any further contact attempting to collect this debt with proper validation will be considered a violation of the FDCPA, and I reserved the right to file a formal complaint with the financial Protection Bureau ( CFPB ) and other relevant authorities. 

Please respond to this request withing 30 days from this letter. 

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


Sincerely, XXXX XXXX

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