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: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX Transaction amount {$150.00} XXXX  Dispute amount {$79.00} XXXX  Transaction ID XXXX Transaction date XX/XX/year> Dispute amount I am writing to express my concerns regarding a series of unresolved issues with PayPal. Firstly, I would like to address the lack of response to my previous report, which was unrelated to the current issue. Additionally, PayPal has once again debited my account by {$1000.00}, negatively impacting my credit report by XXXX  points. Despite my attempts to resolve this matter, I have not received any communication or assistance. 

Now, regarding the specific issue at hand, I purchased a XXXX XXXX XXXX from your company, which I subsequently returned. However, I have not received the agreed-upon refund, despite assurances from your team. I no longer have the product, as it was returned to your company, but I am yet to be reimbursed. Moreover, PayPal has refused to assist, denying my claims entirely. Given the lack of resolution, I am concerned that this treatment may be biased or discriminatory.

Furthermore, my PayPal account remains unresolved and continues to malfunction. I am unable to make payments independently, requiring me to contact customer support for assistance each time, which is highly inconvenient. Unfortunately, this issue persists, and no effort from your company has been made to address it.

I kindly request immediate attention to these matters, including the processing of my refund and the resolution of the ongoing account issues. I look forward to your prompt response and assistance. 

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
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Is erroneously reporting on my credit report that I have an account open with them owing {$7400.00}. 

I have no knowledge of this account. I have disputed the account and reporting with the merchant via 3 different credit bureaus and they are violating FCRA by not providing a full validation of the debt showing the documents of whom and where this debt was applied for. Contract. Signature. Identification of whom signed. Etc. they've also filed to provide names and contact information for any person or entities they used to allegedly " VALIDATE '' This debt as my responsibility. Methods for which this validation process was completed.

Furthermore, upon researching this creditor, it seems as though this is a medical billing account to which I have no knowledge. They are reporting this in violation of The HIPAA Privacy Rule ( 164.524 ).

I am here by demanding that this account be IMMEDIATELY REMOVED from my credit reporting and that they CEASE to report any negative information on this account. Otherwise I will be forced to take legal action and report this issue to higher governing bodies for immediate legal recourse.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
Subject : Dispute Regarding Inaccurate Information and Identity Fraud on ChexSystems Report Full Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone Number : XXXX Email Address : XXXX Issue : I am filing this complaint against ChexSystems , Inc. for failing to remove inaccurate and/or incomplete information from my consumer report, including items I have identified as related to identity fraud. Despite my good faith efforts to dispute these matters, ChexSystems has declined to remove the disputed information. Specifically, the disputed items include negative information reported by XXXX XXXX XXXXXXXX and XXXXXXXX XXXX 

Background : I submitted a formal dispute to ChexSystems regarding the accuracy of the information related to accounts with XXXX XXXX XXXX and XXXXXXXX XXXX, which I suspect are linked to identity fraud. 

To support my claim, I filed an identity theft report with the Federal Trade Commission ( FTC ). Despite this, ChexSystems labeled my dispute as " frivolous or irrelevant '' and declined to address the issue adequately. 

I provided ChexSystems with sufficient identifiers, details, and evidence supporting my claim, including the FTC report, but they have not conducted a satisfactory reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 


Concerns : ChexSystems has failed to fulfill its obligations under the FCRA, specifically : a. Ensuring the accuracy and completeness of information provided in my consumer report. 
b. Conducting a reasonable reinvestigation of disputed information within the statutory time frame. 
c. Properly considering identity theft evidence provided, as required under the FCRA. 

The unresolved inaccuracies in my report, including those tied to identity fraud, have negatively impacted my ability to open new financial accounts and manage my finances. 

Supporting Documentation : I am attaching the following documents to support my complaint : Copies of responses received from ChexSystems. 
A copy of the identity theft report filed with the FTC. 


Declaration : I believe ChexSystems handling of my dispute, including their dismissal of identity fraud evidence, violates my rights under the Fair Credit Reporting Act. I respectfully request the CFPBs intervention to resolve this matter promptly.

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:
I recently review my credit report and notice an account that was not reporting accurately. I have 1 late payment on an account that I in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments, please find an attached copy of my report to this compliant on the following dates XXXX XXXX I am requesting that an investigation be conducted and verifiable proof with records showing that I had late payments provided. If this information can not be verified, I demand these payments be updated to paid on time, immediately. Thank you in advance for your understanding and prompt action.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently review my credit report and notice an account that was not reporting accurately. I have 1 late payment on an account that I in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments, please find an attached copy of my report to this compliant on the following dates XXXXXXXX XXXX. I am requesting that an investigation be conducted and verifiable proof with records showing that I had late payments provided. If this information can not be verified, I demand these payments be updated to paid on time, immediately. Thank you in advance for your understanding and prompt action.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I't never happen to my account I am a good payer, and I also paying on time, please understand the late remarks on my report and paid as aggreed, I'll settle all the late remarks on my report, and I also don't want to had a bad record on to you please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I't never happen to my account I am a good payer, and I also paying on time, please understand the late remarks on my report and paid as aggreed, I'll settle all the late remarks on my report, and I also don't want to had a bad record on to you please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Formal Complaint Against Affirm , Inc. for Mishandling Account and Violating Consumer Protection Laws To Whom It May Concern : I am writing to formally file a complaint against Affirm , Inc. for its ongoing and systemic mishandling of my account, failure to provide access, and actions that have negatively impacted my credit report. These actions violate my rights as a consumer under federal laws, and I request an urgent investigation into Affirms practices.

Affirm has repeatedly refused to provide me access to my account despite my information being accurate and present in their system. This has directly obstructed my ability to make payments on my loan, manage my billing obligations, or rectify any discrepancies. As a result of their failure to resolve this issue : 1. My account has been falsely reported to credit bureaus ( including XXXX ) with negative marks, citing reasons such as serious delinquency, historical loan delinquency, and time since delinquency is too recent. 
2. My credit score has been unfairly impacted due to Affirms negligence, resulting in a denial of credit from other financial institutions.

Attempts to Resolve the Issue I have made multiple attempts to resolve this matter directly with Affirm, including : Creating 5-6 investigations with their internal team, all of which were closed without any resolution or follow-up.

Providing accurate information such as my email, phone number, and loan details to verify my identity and gain account access. 
Despite these efforts, Affirm unlawfully demanded sensitive personal information, such as my Social Security number and credit card details, over the phone. 

When I briefly regained access to my account, through an old link found on text I regained access to my account and I discovered that all my personal information ( XXXX and phone number XXXX ) matched their records ; Even with this, the next month they persisted in only wanting to receive my credit card information and zip code via phone only and refused to allow me to handle my account online personally for payments. This further demonstrates Affirms mishandling of my account. 

Additionally, Affirm has failed to provide proper transparency or support throughout this process. Their refusal to investigate raises concerns about potential systemic issues and fraudulent practices against customers. 

Supporting Evidence Attached to this complaint are the following documents for your review : Screenshots and records of my account information as initially entered. 
Documentation of my repeated attempts to resolve this matter with Affirm. 
XXXX credit report showing the negative impact of Affirms false reporting. 
Denial of credit letters from other financial institutions citing delinquencies caused by Affirms reporting. 


Sincerely, XXXX XXXX

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In reviewing my credit on XXXX I noticed several accounts in collection that are not mine, I have no knowledge of, and didnt give anyone permission to open. I disputed these items with the credit bureaus that were showing them on my report via certified mail via the USPS. I have my receipt for these letters and they are all listed as delivered via the tracking number when checking the XXXX website. I sent one letter and didn't get any responses. Then after 45 days of no reply I then sent the certified letters. The first letter I sent was via regular mail and not certified. I got a reply from XXXX and XXXX stating they thought my dispute was fraud. In my letter I asked them to validate the debt, as its not mine, they were unable to do that and when I called they said they didn't need to validate the debt they just take the word of the collector. The debt that is showing on my credit report is not mine and the debt was sold to creditors. My rights have been violated. I didn't agree to a debt that is not mine to begin with being sold to a creditor. I need to have these items removed as they don't belong to me and I have no knowledge of them. This has prevented me from buying a home for my XXXX children as a single mother. I pay my bills and debts but I refuse to be head accountable for items that are not mine and I have no knowledge of. Please help me the credit bureaus are not honoring my rights as a consumer. Thank you for your time. I have asked for a fraud alert to be placed on my credit reports through XXXX and they stated it would be in effect with all bureaus as of today.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In reviewing my credit on XXXX I noticed several accounts in collection that are not mine, I have no knowledge of, and didnt give anyone permission to open. I disputed these items with the credit bureaus that were showing them on my report via certified mail via the XXXX. I have my receipt for these letters and they are all listed as delivered via the tracking number when checking the XXXX website. I sent one letter and didn't get any responses. Then after 45 days of no reply I then sent the certified letters. The first letter I sent was via regular mail and not certified. I got a reply from XXXX and Equifax stating they thought my dispute was fraud. In my letter I asked them to validate the debt, as its not mine, they were unable to do that and when I called they said they didn't need to validate the debt they just take the word of the collector. The debt that is showing on my credit report is not mine and the debt was sold to creditors. My rights have been violated. I didn't agree to a debt that is not mine to begin with being sold to a creditor. I need to have these items removed as they don't belong to me and I have no knowledge of them. This has prevented me from buying a home for my XXXX children as a single mother. I pay my bills and debts but I refuse to be head accountable for items that are not mine and I have no knowledge of. Please help me the credit bureaus are not honoring my rights as a consumer. Thank you for your time. I have asked for a fraud alert to be placed on my credit reports through XXXX and they stated it would be in effect with all bureaus as of today.

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 information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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 information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately.

Thank you for your prompt attention to 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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I wired some money to my Wise account from XXXX. Since I am of Russian extraction and visit XXXX on occasion, Wise said they needed to hold the transfer to investigate the transfer for sanctions compliance. They said it should take no more than XXXX business days. The transfer was made on XX/XX/XXXX. I have called multiple times asking for status, I have complained but the transfer is still frozen, the account and the cards are also frozen. Wise are saying they have started a complaint investigation which it will take them XXXX business days to complete but in the meantime they are not releasing my transfer. It looks like they are trying to get back at me for calling them and complaining by deliberately holding my transfer. 

I can not cancel the transfer either because they are saying they will hold on to the money anyway until their investigation is complete.

Company response to consumer: Closed with monetary relief