vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am writing to formally file a complaint regarding a fraudulent charge that occurred while I was traveling overseas. Upon discovering the fraudulent activity, I promptly notified my bank, Capitol One, which conducted an investigation. The investigation concluded that I was not liable for the charge and sent me a notice as a resolution.

Despite this finding, the bank has refused to remove the charge from my credit card account. I have received written confirmation from them stating that I am not liable, yet they continue to hold me responsible for the charge. This refusal to take appropriate action is a violation of consumer protection laws, and I am seeking assistance in resolving this matter.

I would appreciate your attention to this issue and any guidance or support you can provide.

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: AZ

Complaint narrative:
Fair Resolution To resolve this matter fairly and in compliance with federal law, I request the following : Provision of Required Documentation : Provide the requested 1099-C form, if it was issued, to confirm the identifiable event of debt cancellation.

Supply documentation verifying the accuracy and collectibility of the reported balance.

Correction of Credit Report : If the debt has been discharged or can not be verified, permanently delete the inaccurate account from my credit report. 

XXXX. XXXX XXXX XXXX As the debt has been charged off and is no longer legally enforceable.

Written Confirmation : Provide written acknowledgment of the actions taken, including an updated credit report reflecting the removal of any inaccurate information.

Timely Compliance : Address this matter promptly and provide all requested documentation and confirmation of resolution within 15 days to avoid further escalation.

This resolution will ensure compliance with federal law, including the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, while addressing the concerns of inaccurate reporting and unmet obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
XXXX XXXX has charged off with profit loss on a closed account as of XX/XX/scrub> 2023 however it is showing a balance on a closed account. The account is being incorrectly reported and I wish to have this balance updated to {$0.00} or deleted 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 2024-12-27 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: ID

Complaint narrative:
XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. You reported that this was charged off in XX/XX/XXXX, however XXXX shows this account was charged off in XX/XX/XXXX. You are inaccurately aging my account. All credit reporting needs to be the same across all bureaus or it is deemed in accurate and unlawful. You have failed to investigate this account properly and this neglect and inaccurate reporting is a violation of my rights. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
subject : Request for Removal of Closed and Inactive Accounts from Credit Report Dear [ XXXX XXXX XXXX ], I am writing to formally request the removal of closed and inactive accounts from my credit report. These accounts, detailed below, continue to report despite being closed and holding no active balances or activity. This reporting constitutes inaccurate and outdated information that negatively affects my credit profile.

Closed Accounts Still Reporting : XXXX Balance : {$0.00} ( Last Updated : XX/XX/XXXX ) XXXX  XXXX Balance : {$4300.00} ( Last Updated : XX/XX/XXXX ) XXXX Balance : {$0.00} ( Last Updated : XX/XX/XXXX ) XXXX Balance : {$0.00} ( Last Updated : XXXX XXXX, XXXX ) XXXX Balance : {$0.00} ( Last Updated : XX/XX/XXXX ) XXXX XXXX Balance : {$630.00} ( Last Updated : XX/XX/XXXX ) XXXX Balance : {$0.00} ( Last Updated : XX/XX/XXXX ) XXXXDOFED ( Last Updated : XX/XX/XXXX ) XXXX XXXX Balance : {$0.00} Installment Accounts Reporting as Closed : Violations of Credit Reporting Laws : The continued reporting of these accounts violates several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure that all information reported is accurate and up-to-date. Reporting closed accounts with no balance or activity fails to meet this standard.

15 U.S.C. 1681c ( a ) ( 4 ) : Closed accounts with no adverse information should not remain on a report indefinitely. Outdated and irrelevant information must be excluded from reports after an appropriate period.

Additionally, the reporting of closed accounts violates the Maryland Consumer Protection Act ( 13-301 et seq. ), which prohibits the dissemination of false and misleading information.

Requested Actions : Immediate removal of all listed closed and inactive accounts from my credit reports.

A written confirmation from your bureau once the corrections have been made.

Supporting Documents : I am providing the following to assist in your investigation :.

Please treat this letter as a formal dispute under the Fair Credit Reporting Act. I expect your investigation and resolution within the legally required 30 days.

Failure to comply with my request may result in further legal action to enforce my rights under the FCRA and Maryland state laws. I trust you will address this matter promptly and ensure my credit report is accurate.

Thank you for your time and attention to this matter. I look forward to your confirmation of these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
I have called Affirm several times stating that I did not make some of those purchases on my account. All the purchases that was made on my account I have paid in full. I have never used it again. They said that they were reached back out to me, which they have not yet reached out to me. Someone has made over {$3000.00} worth of purchases with Affirm using my information. I asked him to look into the investigation and I will send them proof of anything that they need, but that needs to be removed off my account. It does not need to affect my credit because I have not ordered anything from my phone. Also, they asked me do I know who probably did it and I said yes it probably was a friend or my sister or who knows Im not 100 % sure but my identity was stolen and I have everything on my credit and Affirm is one of them. I did not purchase {$3000.00} worth of stuff with the fire. I did not use my account to get anything from Affirm. I dont even know how these people got my login or anything to even transfer money or pay for anything with a fire.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: DC

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 2024-12-27 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: DC

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 explanation
Consumer complaint received 2024-12-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I logged into my online banking and saw my credit card account with Wells Fargo was closed. I called and spoke with them that same day to find out why.

The agent could not give me a reason why so I asked to speak with leadership. I spoke with someone else who said it was a business decision and they do not need to notify me of an account closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
I filed for a deferment on the mortgage and was approved. The company continued to report late payments although the deferment was set with the company and I completed all necessary paperwork. I sold the home on XXXX and a wire was sent to payoff the full balance. The company reported a late payment for the month of XXXX because their accounting department did not payoff the loan. XXXX XXXX reported another late payment and did not close the loan. They found payment on XXXX. This has caused me to be denied for an apartment because the mortgage is in arrears. XXXX XXXX XXXX  Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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:
I filed for a deferment on the mortgage and was approved. The company continued to report late payments although the deferment was set with the company and I completed all necessary paperwork. I sold the home on XXXX and a wire was sent to payoff the full balance. The company reported a late payment for the month of XXXX because their accounting department did not payoff the loan. XXXX XXXX reported another late payment and did not close the loan. They found payment on XXXX. This has caused me to be denied for an apartment because the mortgage is in arrears. XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: DE

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: SC

Complaint narrative:
refer to the attached letter, the company american first finance, sent me a letter saying an automatic withdraw was going to occur against me. Now none of the info other then the name and address is correct. 
Debit card isn't mine, the amount of the debt is not listed, the account number not listed, they do not have my email, and didn't have a proper number for me until i called them. 
They are not accredited with the bbb, they do not have a business license that shows up. 
When I contacted them they only fished for my information and would not tell me anything about the supposed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-26 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/year> To : Experian, XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for XXXX XXXXXXXXfrom XXXXXXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 
Sincerely, 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