vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX XX/XX/year> Wells Fargo Bank , N.A . 
Corporate Headquarters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand for Immediate Removal of Inaccurate Charged-Off Account in the Amount of {$3000.00} from All Credit Bureaus To Whom It May Concern, I am writing to formally dispute the reporting of a charged-off Wells Fargo credit card account in the amount of {$3000.00}, which is currently appearing on my credit reports. This account is being reported inaccurately and must be immediately removed from XXXX, XXXX, and XXXX, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite my previous written notices, Wells Fargo Bank has failed to provide proper validation for this alleged debt. Reporting a charged-off account without full and verifiable proof of its legitimacy is a violation of federal law. Under FCRA 611 ( 15 U.S.C. 1681i ), any account that can not be verified must be promptly deleted from all consumer credit reports.

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 2025-04-05 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year>

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 2025-04-05 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: MI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XX/XX/year>

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 2025-04-05 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: SC

Complaint narrative:
I paid the collection off and company will not update my credit file

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 2025-04-05 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: SC

Complaint narrative:
I paid the collection off and company will not update my credit file

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 2025-04-04 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: SC

Complaint narrative:
As per XXXX XXXX XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. XXXX XXXX XXXX XXXX. XXXX Better Business Bureau. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Comptroller of the Currency. XXXX Federal Reserve XXXX. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am filing this complaint due to inaccurate credit reporting by XXXX regarding an unauthorized account opened with Affirm , Inc . I reported this fraudulent account to Affirm on XX/XX/2025. Affirm did not provide a substantive response until XX/XX/2025, via their portal, stating that my account must qualify to close. This response is unacceptable as I never authorized the opening of this account in the first place. This unauthorized account is negatively impacting my credit report with XXXX. Furthermore, I have since settled this debt with a collection agency assigned by Affirm for less than the full amount, and I was assured that the account would be closed and the credit reporting would be corrected. Despite this assurance and my initial report of fraud, the negative item remains on my XXXX credit report. 

I previously disputed this inaccurate information with XXXX in writing on XX/XX/2025, XX/XX/2025 and XX/XX/2025. I have not received a satisfactory response or correction from XXXX. This inaccurate negative item is harming my XXXX XXXX, which affects my ability to obtain credit, secure favorable interest rates, and impacts other areas of my life. 


Timeline of Events : XX/XX/2025 : I settled a debt associated with this unauthorized Affirm account with XXXX XXXX for less than the full amount. During the settlement process, I was explicitly assured by XXXX that the account would be closed and the negative reporting to credit bureaus would be corrected. The assurance I received during the settlement process regarding the correction of credit reporting has not been fulfilled XX/XX/2025 : I discovered an unauthorized account with Affirm on my credit report and immediately reported it to Affirm as fraudulent. 

XX/XX/2025 : Affirm responded via their online portal, stating that my account must " qualify to close, '' which is an irrelevant and inadequate response to a report of an unauthorized account.Affirm 's lag and response to my fraud report was dismissive and failed to address the core issue of an unauthorized account. 

The account remains open ( to my knowledge ) and I do not have the informaiton required to install the applciation to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
Eastern Account System did not provide me with purchasing agreement or license number, according to XXXX XXXX XXXX, Eastern Account System does not have licenses or registrations to collect debt in the state I reside in Illinois. Therefore, they are not legally authorized to conduct business in Illinois.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: VA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
I purchased a XXXX car rental through Affirm. When I arrived at the airport to pick up the car, XXXX informed me that they do not accept Affirm as a form of payment. As a result, I was unable to use the service I paid for and had to pay for the rental again using my personal credit card. 

I immediately contacted Affirm, provided the receipt showing the new payment made directly to XXXX, and explained that I did not receive any service through the original Affirm transaction. Despite this, Affirm denied my dispute and continues to charge me for a rental that was never fulfilled. 

I am being held financially responsible for a service I did not receive, even after providing proof. This is unfair and feels like a deceptive business practice. I am requesting that the charge be removed and my account be adjusted accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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:
i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume 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 BALANCE {$0.00}, XXXX XXXX XXXX  BALANCE {$830.00}

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 2025-04-05 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: CL Holdings LLC
State: MD

Complaint narrative:
Subject : Final Demand for Compensation for FDCPA & FCRA Violations ( XXXX  Reference XXXX XXXXXXXX ) Dear Sir/Madam, This is a final demand for compensation regarding the violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) related to JCS Reference XXXX XXXXXXXX. While I acknowledge that the tradeline has been deleted from my credit report, Jefferson Capital Systems has failed to address my request for compensation for the numerous violations that occurred. 

As previously outlined, your company has committed the following violations : Unlawful Reporting of an Open Account You inaccurately reported a collection account as open, damaging my credit. 

Failure to Validate the Debt You failed to provide proper debt validation before reporting it. 

False Representation of the Debt You misrepresented the account status, which resulted in further damage to my credit. 

I previously requested {$7500.00} in compensation, which is entirely appropriate based on the violations under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) ( FDCPA ) and 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ( FCRA ). However, despite multiple attempts to resolve this matter, your company has not responded or offered compensation. 

This letter serves as notice of my intent to file a lawsuit for these violations. If I do not receive payment of {$7500.00} within 15 days from the date of this letter ( by XX/XX/year> ), I will take the following actions : File a federal lawsuit under FDCPA and FCRA to seek statutory, actual, and punitive damages. 

Escalate the matter with the FTC, and my State Attorney Generals office for further enforcement and investigation into your noncompliance. 

Please consider this letter your final opportunity to resolve this matter before legal action is pursued. 

I request written confirmation of your payment arrangements within the XXXX period. This letter has been sent via certified mail with return receipt requested for documentation purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One is reporting a charge-off with inconsistent monthly reporting, a balance that does not align with the account status, and missing or incorrect delinquency dates. These are violations of FCRA 623 ( a ) ( 1 ) and Metro 2 standards. The account may have been re-aged by ongoing XXXX codes beyond the actual charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: LA

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 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 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 2025-04-05 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: PA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-05 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: 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: IL

Complaint narrative:
In summary, On XX/XX/year> I received an alert from XXXX XXXX XXXX that new derogatory information had been reported on my Equifax credit report surrounding a XXXX mortgage account. As a result of this derogatory entry my credit score dropped XXXX points. 

Upon further review, I was flabbergasted to discover that XXXX reported to Equifax and whoever else, that my XX/XX/year> payment was XXXX days past due! Again, today is XX/XX/XXXX, XXXX it has not even been XXXX days since XX/XX/year> PLEASE HELP ME UNDERSTAND HOW IS THIS EVEN POSSIBLE? YOU CAUSED MY CREDIT SCORE TO DROP XXXX POINTS FOR WHAT?? THIS IS FINANCIALLY INJURIOUS. 

Moreover, my records indicate that XX/XX/year> has already been PAID! 

XXXX has a history of reporting erroneous derogatory information, failing to abide by FCRA regulations and Im really sick and tired of the XXXX! QUIT IF YOU DONT KNOW HOW TO DO YOUR JOB!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: SC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-05 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-05 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: TX

Complaint narrative:
I need this complaint to be taken seriouslyplease see the attached file. Ive been trying for far too long to get the errors on my credit report corrected, and Ive repeatedly been ignored. Its beyond frustrating. These inaccuracies have impacted nearly every part of my life, and its exhausting. My credit score is suffering because of mistakes I didnt cause, and its affecting my mental health, my peace of mind, and even my ability to access help.

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