vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  account showing last payment XXXXclosed over 7 years old XXXX-closed 7 years old XXXX Closed 7 years too old Business went bankrupt no longer exist

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax never checked into problems with my account and didn't notify me. They just mark my dispute complete and do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Subject : Request for Investigation of Credit Report Inaccuracies Under the FCRA To Whom It May Concern, I am writing to formally request an investigation into inaccurate and misleading information reported on my credit reports by TransUnion, XXXX, and XXXX. The inaccuracies pertain to the following account : Account Name : XXXX Account Number : XXXX Below, I have outlined the specific inaccuracies and the violations of the Fair Credit Reporting Act ( FCRA ) : 1. Inconsistent Reporting Across Bureaus The Date of Last Activity is reported inconsistently : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This discrepancy violates FCRA Section 1681e ( b ), which requires credit bureaus to maintain accurate and consistent information across their records. Such inconsistencies harm my creditworthiness and mislead potential lenders. 

2. Incorrect Late Payment Reporting All three credit bureaus report a 90-day late payment on the account, even though the balance is {$0.00} and the account is marked as either " Paid '' or " Closed '' : TransUnion : " Closed '' with a {$0.00} balance. 

XXXX : " Paid '' with a {$0.00} balance. 

XXXX : " Closed or Paid '' with a {$0.00} balance. 

Reporting late payments on a paid or closed account is factually inaccurate and violates FCRA Section 1681s-2 ( a ), which prohibits furnishing false or misleading information. 

3. Unverifiable Information The Creditor Remarks and Original Creditor fields are incomplete : TransUnion : " -- '' ( not provided ). 

XXXX : " -- '' ( not provided ). 

XXXX : " -- '' ( not provided ). 

Under FCRA Section 1681i ( a ), all information reported must be verifiable. The failure to provide the creditor 's name and remarks renders the data unverifiable, and it must therefore be removed. 

4. Late Payment Reporting After Account Closure The account is marked as " Closed '' or " Paid '' as of XX/XX/XXXX ( per TransUnion ), yet late payments are reported after this date. This contradicts the account 's status and violates FCRA Section 1681e ( b ), which prohibits inaccurate reporting. 

5. Denial of Dispute Rights The reports state " Account not disputed, '' yet there are clear inaccuracies. This misrepresentation denies my right to dispute under FCRA Section 1681i ( a ) ( 1 ), which requires that credit bureaus reinvestigate disputed items to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Subject : Request for Investigation of Credit Report Inaccuracies Under the FCRA To Whom It May Concern, I am writing to formally request an investigation into inaccurate and misleading information reported on my credit reports by XXXX, Experian, and XXXX. The inaccuracies pertain to the following account : Account Name : XXXX Account Number : XXXX Below, I have outlined the specific inaccuracies and the violations of the Fair Credit Reporting Act ( FCRA ) : 1. Inconsistent Reporting Across Bureaus The Date of Last Activity is reported inconsistently : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX This discrepancy violates FCRA Section 1681e ( b ), which requires credit bureaus to maintain accurate and consistent information across their records. Such inconsistencies harm my creditworthiness and mislead potential lenders. 

2. Incorrect Late Payment Reporting All three credit bureaus report a 90-day late payment on the account, even though the balance is {$0.00} and the account is marked as either " Paid '' or " Closed '' : XXXX : " Closed '' with a {$0.00} balance. 

Experian : " Paid '' with a {$0.00} balance. 

XXXX : " Closed or Paid '' with a {$0.00} balance. 

Reporting late payments on a paid or closed account is factually inaccurate and violates FCRA Section 1681s-2 ( a ), which prohibits furnishing false or misleading information. 

3. Unverifiable Information The Creditor Remarks and Original Creditor fields are incomplete : XXXX : " -- '' ( not provided ). 

Experian : " -- '' ( not provided ). 

XXXX : " -- '' ( not provided ). 

Under FCRA Section 1681i ( a ), all information reported must be verifiable. The failure to provide the creditor 's name and remarks renders the data unverifiable, and it must therefore be removed. 

XXXX. Late Payment Reporting After Account Closure The account is marked as " Closed '' or " Paid '' as of XX/XX/XXXX ( per XXXX ), yet late payments are reported after this date. This contradicts the account 's status and violates FCRA Section 1681e ( b ), which prohibits inaccurate reporting. 

XXXX. Denial of Dispute Rights The reports state " Account not disputed, '' yet there are clear inaccuracies. This misrepresentation denies my right to dispute under FCRA Section 1681i ( a ) ( 1 ), which requires that credit bureaus reinvestigate disputed items to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC
State: CA

Complaint narrative:
Today on XX/XX/year> I went into XXXX XXXX, XXXX, XXXX, to obtain a new year credit report and noticed a XXXX Jefferson Capitol Systems LLC collection company showing {$11000.00} .This is a formal notice in regards to the inaccurate and fraudulent account ( s ) reporting on my consumer report by the company, XXXX XXXX XXXX. I am requesting immediate removal of the inaccurate account ( s ) I am attesting that I have not received a validation letter from the collection company vial mail nor electronically I am reaching out the the Consumer Financial Protection Bureau I have no verbal nor written contract with XXXX  XXXX XXXXy that states that I owe or agree to pay them any monies. I have no knowledge of this company and again I have no desire to do any business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I as the victim of the fraud, am requesting that the XXXX XXXX XXXX according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and I am aware that this is subject to a {$1000.00} fine per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a victim of identity theft at least 3 times and noticed that I have quite a few things on my credit report that do not belong to me. I have disputed with Experian for years to remove and they did not. I have asked for proof that the debts belong to me and have gotten nothing. I have been reaching out since XX/XX/year>. Please help me to remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint Against Experian for Violating the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report and failing to correct these inaccuracies, despite being provided with sufficient evidence. Experians actions constitute violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq. 

Issue Details Experian has reported an incorrect balance of {$17.00} for my XXXX Secured Credit Card ( Account No. ending in XXXX ) as of XX/XX/year>, despite the account having a {$0.00} balance. I have attached : My Experian credit report dated XX/XX/year>, reflecting the inaccurate {$17.00} balance. 

A screenshot from the XXXX application showing the correct {$0.00} balance and {$200.00} available credit. 


This inaccuracy has impacted my overall credit usage calculation, which is reported as 9 % instead of the accurate 0 %.

Violations of the FCRA Experian has failed to meet its obligations under the FCRA in the following ways : 1. Failure to Ensure Accuracy ( 1681e ( b ) ) : Experian is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. By failing to update the correct balance for my account, Experian has violated this requirement.

2. Failure to Conduct a Proper Investigation ( 1681i ) : I previously disputed this inaccuracy with Experian and provided supporting evidence. However, they failed to correct the error, violating their duty to investigate and resolve disputes.

3. Willful Noncompliance ( 1681n ) : Experians continued reporting of incorrect information, despite being notified, suggests willful noncompliance with their legal obligations under the FCRA.

Requested Resolution I request the CFPB to take the following actions : 1. Investigate Experians handling of my credit report dispute. 

2. Require Experian to correct the inaccurate reporting of my XXXX Secured Credit Card balance and ensure accurate reporting moving forward. 

3. Impose appropriate penalties on Experian for willful noncompliance under 1681n, including damages for the harm caused to my creditworthiness and reputation.

Supporting Evidence Please find attached : 1. Experian credit report dated XX/XX/year>. 


2. Screenshot of my XXXX Secured Credit Card account showing a {$0.00} balance. 


3. Other relevant documents related to this matter. 

I appreciate the CFPBs attention to this matter and look forward to a prompt resolution. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Complaint Against Experian for Violating the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report and failing to correct these inaccuracies, despite being provided with sufficient evidence. Experians actions constitute violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 et seq.

Issue Details Experian has reported an incorrect balance of {$17.00} for my XXXX Secured Credit Card ( Account No. ending in XXXX ) as of XX/XX/year>, despite the account having a {$0.00} balance. I have attached : My Experian credit report dated XX/XX/year>, reflecting the inaccurate {$17.00} balance. 

A screenshot from the XXXX application showing the correct {$0.00} balance and {$200.00} available credit. 


This inaccuracy has impacted my overall credit usage calculation, which is reported as 9 % instead of the accurate 0 %.

Violations of the FCRA Experian has failed to meet its obligations under the FCRA in the following ways : 1. Failure to Ensure Accuracy ( 1681e ( b ) ) : Experian is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. By failing to update the correct balance for my account, Experian has violated this requirement.

2. Failure to Conduct a Proper Investigation ( 1681i ) : I previously disputed this inaccuracy with Experian and provided supporting evidence. However, they failed to correct the error, violating their duty to investigate and resolve disputes.

3. Willful Noncompliance ( 1681n ) : Experians continued reporting of incorrect information, despite being notified, suggests willful noncompliance with their legal obligations under the FCRA.

Requested Resolution I request the CFPB to take the following actions : 1. Investigate Experians handling of my credit report dispute.

2. Require Experian to correct the inaccurate reporting of my XXXX Secured Credit Card balance and ensure accurate reporting moving forward. 

3. Impose appropriate penalties on Experian for willful noncompliance under 1681n, including damages for the harm caused to my creditworthiness and reputation.

Supporting Evidence Please find attached : 1. Experian credit report dated XX/XX/year>. 


2. Screenshot of my XXXX Secured Credit Card account showing a {$0.00} balance. 


3. Other relevant documents related to this matter. 

I appreciate the CFPBs attention to this matter and look forward to a prompt resolution. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TN

Complaint narrative:
I am writing to request your understanding and consideration regarding late payments that was reported on my account. I am fully aware of the importance of maintaining timely payments, and I have always made a conscious effort to manage my finances responsibly. Unfortunately, I experienced a particularly challenging period in my life that led to the late payment in question. Due to unforeseen personal circumstances, I was unexpectedly forced out of my home and found myself facing homelessness. I was also unemployed at the time, which made it incredibly difficult to meet my financial obligations. These events were beyond my control, and they caused significant disruption in my life. During this time, I did my best to manage my responsibilities, but the stress and instability made it impossible for me to stay current on all my payments. I want to reassure you that I am committed to maintaining good standing with Discover Bank and have since taken the necessary steps to stabilize my situation. I am currently employed, and I have been consistently meeting all my financial obligations. I deeply regret that I missed the payments, but I hope you understand that it was not a reflection of my usual behavior or character. Given the exceptional circumstances surrounding this late payment, I kindly ask if you would consider removing the late payment record from my credit report as a gesture of goodwill. I believe that this will help me continue to rebuild my credit and move forward from this difficult chapter in my life. I greatly appreciate your time and consideration of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX never checked into problems with my account and didn't notify me. They just mark my dispute complete and do nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX never checked into problems with my account and didn't notify me. They just mark my dispute complete and do nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have just disputed a reoccurring unauthorized multi charge from the vendor XXXX XXXX and they continue to build me each month for {$2.00}. I have tried numerous times to contact XXXX XXXX  and when I log on to my calendar it says I have no active subscription it does not give me a choice to cancel or call this account. Wells Fargo has disputed discharge multiple times and close my credit card account issue me a new credit card number and XXXX XXXX continues to charge me monthly fee on XX/XX/XXXX of XXXX. I have asked Wells Fargo to block this fender numerous times and also file a complaint with the 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 monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
HAVE NOT SUPPLIED PROOF UNDE THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF ENGELHARDT. V GRAVENS ( MO ) 281 SW715.719 PRESUMED THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THEREFORE EXISTS ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ). 

XXXX XXXX XXXX XXXX, XXXX : {$25000.00} XXXX, XXXX : {$7800.00} XXXX XXXX XXXX XXXX XXXX {$99.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$4000.00} XXXX, XXXX : {$65000.00} PLEASE REMOVE THESE INQUIRIES 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 non-monetary relief
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

Company response to consumer: Closed with explanation