vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: FL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am 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 non-monetary relief
Consumer complaint received 2025-02-06 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: LA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 2025-02-06 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MD

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: CA

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
XXXXXXXX XXXX  XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant FCRA 605 ( b ) to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally inform you that I have been a victim of identity theft due to a recent data breach. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ), 15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately block and permanently remove any fraudulent accounts or inaccurate information related to the identity theft from my credit report. 
As evidence of this claim, I am providing proof of my involvement in the XXXX data breach, which I ask you to review as part of my request. Additionally, I have included a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my claim. 
Under the FCRA, 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information identified by the consumer as a result of identity theft within four business days of receiving the report. I kindly request that you comply with this legal obligation and take swift action to resolve this matter. 



To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Personal Statement FTC Report Number : XXXX There in breach of 15 U.S code 1635, 15 Usc 1692g and 15 us 6802. Im apart of XXXX data breach .. this is my statement of information that these accounts and addresses were done fraudulently. they have been reported without my express written consent. and therefore is identity theft and must be removed. 
These account transactions are not done be me or made by me the consumer and must be removed. i have pervided a police report also. 
Accounts : 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 non-monetary relief
Consumer complaint received 2025-02-06 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: SinglePoint GI
State: IL

Complaint narrative:
Re : Request for Validation of Debt To Whom It May Concern, I am writing to formally request the removal of inaccurate information currently reported by your company on my credit report. Upon reviewing my credit file, I noticed an entry related to an alleged debt that I do not recognize, nor have I entered into any agreement with your organization. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I kindly request validation of the debt in question. Specifically, I would like to receive documentation that includes my signature on any contract or agreement that I purportedly entered into with your company. The entry in question is adversely affecting my creditworthiness and reputation. 

Under the Fair Credit Reporting Act ( FCRA ), it is essential that all information reported is accurate and verifiable. Therefore, I am requesting a re-investigation of the following account Additionally, I would appreciate it if you could provide details regarding your method of verification as required by the FCRA. This documentation should include the original application, contract, or any other relevant instrument bearing my signature. 

Should you be unable to provide the requested validation within thirty ( 30 ) days, I kindly ask that the disputed item be removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NJ

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their source. In compliance with USC 1681g, I ask that they be removed within 15 days. Relevant documents are attached for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
XXXX XXXX XX/XX/XXXX hard pull I've had an account open back in XXXX I believe there's no reason for me to qet another hard pull for asking how to fix the account. So in XXXX instead of this company helping me they try to run my credit. I try to fix the account before hospitalized but wasn't successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX, I allowed XXXX to access my XXXX Credit Report to apply for a rental property. On this report, XXXX showed I have an account in collection with a company called Affirm ( whom I have reported for XXXX incorrect reports in the past ). 

The account number with Affirm is XXXX This account was settled for less than the amount owed in XX/XX/XXXX. It is no longer in collection status, but there is some information error on behalf of Affirm and they are still reporting that it is in collections as you can see on the report I received. 

I filed a dispute with XXXX and it seems Affirm responded that they information was correct and did not change the status. 

I contacted XXXX by phone again today and they said they are still showing the status of this account as " in collections. '' It has been *one year* since I settled this account, and Affirm is again taking far too long to correct the account status. 

I did not attempt to contact Affirm because I tried to communicate this same issue with their agents over a different account last year, and it caused me nothing but stress and frustration. They do not understand the importance of correctly reporting **CURRENT ACCOUNT STATUS** Once again, this is interfering with my ability to secure a residence. I need Affirm to correct their reporting with XXXX and any other agencies to whom they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under XXXX U.S. CXXXX XXXX ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement. 
XXXX U.S. CXXXX XXXX - Timing of Payments ( 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 XXXX ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
i recently reviewed a copy of my credit report and noticed a fraudulent accounts on my report, please remove all fraudulent accounts.Thank you XXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
I contacted Chime on XX/XX/XXXX ticket # XXXX for the XXXX to not authorize about my, XX/XX/XXXX repayment and asked them to pause the authorization for just one pay period. The guy I spoke with told me that it was done and that the repayment would not come out of my direct deposit the next day. So on Thursday XX/XX/XXXX when I got paid the repayment came out so I called and the young lady I spoke with told that it takes 3 business days for it to go into effect. I explained to her that I was moving that next week and I needed that money to secure my deposit so me and family could have some where to move. She kept repeating herself so I asked to speak with a supervisor, the supervisor was rude and didnt offer any assistance at all. So I told her that I was going to file a CFPB complaint she told me that I can do whatever I want I asked her could she hold cause I was checking my son into therapy. When I came back to the line she hung up on me. So I never called back. I said ok I will give it the 3 business days and just wait til my next pay period. I got paid today XX/XX/year> and checked my Chime account and the repayment came out my account yet again. The agent XXXX ticket # XXXX acknowledges that they lied to me but told me that they cant do anything. The supervisor team told her they seen the request and it didnt get processed. XXXXXX/XX/XXXX agent told XXXX their was nothing they can do. They not only took the XXXX repayment but they also lowered the amount as well. So that took more money from me. ticket # XXXX escalation ticket for the authorization to be revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Northwestern Mediation Services
State: FL

Complaint narrative:
A company called north western services and a woman named XXXX called my employer on behalf of XXXXXX/XX/XXXX. This is the message. This message is for XXXX XXXX This is XXXX From Northwest Services Regarding case XXXX Seven For yourself for your attorney to contact XXXX XXXX Extension I did call back and she stated that I was being sued for fraud by XXXX XX/XX/XXXX and it was on file with XXXX XXXX and that I had to give them my debit information to my account to stop the calls to my job and so I wont go to prison. So I gave it to her. She said they will follow up with an email that I never received. 
I then reached out to a friend who works in a law office and she checked and there was nothing about a case against me for XXXXXX/XX/XXXX. And she told me to report this immediately. I did call XXXX back and said I want all communication to cease and desist and I do not authorize my card to be debited for anything. She continued to say i would be sued and my job contacted, at this time i hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NY

Complaint narrative:
I respectfully request that you promptly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NORTHERN HILLS COLLECTIONS INC.
State: SD

Complaint narrative:
They have called me Monday, Tuesday, Wednesday, and Thursday so far this week. I do not pick up the phone as this does not pertain to me and is solely the business of the person it does pertain to. They also reached out to my mom, who is not a relative of the person that they are trying to reach. They explained to her that it was for me and that they had my contact info and hers down for my correlation with Northern Hills Collections, although they were not looking for me, it was for someone else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally disputing the inaccurate, unauthorized, and/or unverifiable information currently reported on my credit file. The continued reporting of this information violates federal law and has caused harm to my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally disputing the inaccurate, unauthorized, and/or unverifiable information currently reported on my credit file. The continued reporting of this information violates federal law and has caused harm to my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: PA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally disputing the inaccurate, unauthorized, and/or unverifiable information currently reported on my credit file. The continued reporting of this information violates federal law and has caused harm to my financial standing.

Company response to consumer: Closed with explanation