vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
My account fell victim to fraud. I disputed the fraud and it was found in my favor. Since the dispute I have not been able to access my account to view balances or monitor payments. I contacted affirm and have not received any help for over a month. I called back and asked about the open case to be told it was closed due to no response back. I never received any call to respond to. They reopened my case and assured me I would get a call because I informed them my personal email gets a lot of spam and it could get missed and a phone call would be needed which they assured me I would get in 3 days. 2 weeks passed and did not receive a call. I called again and was told again my case was closed due to no response to an email requesting information. I am now at almost 2 months without account access. They keep taking my payments from auto pay but are not sending any statements to keep me abreast to my accounts while they are fixing my access issue leaving me completely in the dark. Many payments are scheduled to be completed in 2025 so I now am not aware if they are taking additional payments after something is paid in full or not. Overall extremely unprofessional, deceitful and untrustworthy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: DC

Complaint narrative:
I sent in a formal dispute on XX/XX/XXXX. during the filing of the dispute I was asked if i wanted to attach other accounts to this particular dispute. ofc i added all items form my ftc report. I got a notification that my dispute was completed on Tuesday XX/XX/XXXX. I took a look and much to my surprise only one account was handled as I requested. I proceeded to call in and was told that I only disputed one item even though I sent in the documentation for multiple accounts. I requested the rep to start a new dispute because he said there was no way for him to see my prior dispute and that i would have to go online and dispute again because they are not the ones handling my dispute. after some brief dialogue I requested to speak with a manager to see if they would be able to handle my request for a dispute. after spending an hour on hold listening to the hold music i decided that I would just have to come here and have the CFPB involved to get the remedy that I desire.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
I am writing to formally dispute the following account listed on my credit report, which I believe contains inaccuracies. I have reviewed my credit report, and I am requesting that you investigate and update my file accordingly. 
Derogatory Account Information : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} I believe this account information is inaccurate or does not belong to me, and I am requesting that you investigate and correct any errors. Please thoroughly review all information related to this account, as I dispute its accuracy. If it can not be verified, I request that you remove it from my credit report. 

I am writing to formally dispute an inaccurate and derogatory entry on my credit report related to the account listed below : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} Upon reviewing my credit report, I found that the account above is being reported incorrectly. I believe that this entry is inaccurate and is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this matter. According to the FCRA, specifically Section 1681i, you are required to complete this investigation within 30 days and provide me with the results in writing.

I am writing to dispute two derogatory items on my credit report that I believe are either inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these accounts and provide a resolution, as I believe these items do not properly reflect my credit history. The accounts in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}

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 explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
I am writing to formally dispute the following account listed on my credit report, which I believe contains inaccuracies. I have reviewed my credit report, and I am requesting that you investigate and update my file accordingly. 
Derogatory Account Information : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} I believe this account information is inaccurate or does not belong to me, and I am requesting that you investigate and correct any errors. Please thoroughly review all information related to this account, as I dispute its accuracy. If it can not be verified, I request that you remove it from my credit report. 

I am writing to formally dispute an inaccurate and derogatory entry on my credit report related to the account listed below : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} Upon reviewing my credit report, I found that the account above is being reported incorrectly. I believe that this entry is inaccurate and is adversely affecting my credit score and financial standing. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into this matter. According to the FCRA, specifically Section 1681i, you are required to complete this investigation within 30 days and provide me with the results in writing.

I am writing to dispute two derogatory items on my credit report that I believe are either inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these accounts and provide a resolution, as I believe these items do not properly reflect my credit history. The accounts in question are as follows : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
On XX/XX/year>2024 my last name changed from XXXX back to XXXX attached is my new drivers license and divorce decree

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 2025-03-25 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: MS

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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 am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Details of the Account in Dispute : Account Number : XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX  Incorrect information identified in reports from all three credit bureaus. Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP
State: CT

Complaint narrative:
Account paid in full- creditor XXXX Bank states that can not advise as to when the credit bureaus will be updated as to payment in full, no time frame given and supervisor diamond states that her company advises them not to tell customers when credit bureaus will be updated.

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide me with the following information : The name and address of the original creditor. 

The amount of the alleged debt, including a breakdown of any fees, interest, or other charges. 

A copy of any agreement that legally obligates me to pay the debt. 

Verification that the debt is within the statute of limitations for collection. 

Documentation that shows you have the legal authority to collect this debt. 

Copies of any judgments, account statements, or documents proving the validity of the debt. 

Until this debt is properly validated, I request that all collection efforts cease, including reporting this debt to credit bureaus, as failure to provide the requested information violates my rights under federal law. 

Please provide the requested documentation within 30 days of receiving this letter. If you fail to validate this debt, I expect you to cease all collection activities and remove any negative reporting from my credit file. 

I am keeping a record of this request for my records and will escalate the matter if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the handling of my account XXXX with respect to federal statutes governing charge-off accounts and reporting obligations. Specifically, I am referencing the following legal provisions : 1. **15 U.S.C. 1666B** This statute governs the application of payments and requires creditors to properly credit accounts in accordance with federal law. 
2. **15 U.S.C. 1681i** This section outlines procedures for disputing inaccurate information and mandates that financial institutions investigate and correct errors in credit reporting. 
3. **15 U.S.C. 1691 Subsection S-2** This provision pertains to fair lending and equal treatment in credit transactions, which may include the appropriate handling of charge-off accounts. 

My primary concern is that my account was charged off, yet I have not received a **1099-C Cancellation of Debt** form, as required by the IRS when a lender cancels a debt exceeding \ {$600.00}. The failure to provide this documentation has caused financial and tax implications for me, as I am unable to properly report the status of the charged-off debt in my tax filings. 

I am formally requesting : - A thorough investigation into why I have not been issued a **1099-C** for the charged-off debt. 
- Immediate correction and issuance of the **1099-C**, if applicable. 
- Written confirmation of the accounts current status, including any balance reporting discrepancies. 

Additionally, under **15 U.S.C. 1681i**, I request that XXXX XXXX XXXX XXXX review and verify the accuracy of any reporting related to this account with credit bureaus. If any inaccuracies are found, I expect prompt correction in accordance with federal law. 

Failure to address this matter may result in further actions, including filing a complaint with the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the IRS** , as well as seeking legal recourse for non-compliance. 

Please respond to this dispute in writing within **30 days** of receipt of this letter, as required under federal law. 

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 non-monetary relief
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the handling of my account XXXX with respect to federal statutes governing charge-off accounts and reporting obligations. Specifically, I am referencing the following legal provisions : 1. **15 U.S.C. 1666B** This statute governs the application of payments and requires creditors to properly credit accounts in accordance with federal law. 
2. **15 U.S.C. 1681i** This section outlines procedures for disputing inaccurate information and mandates that financial institutions investigate and correct errors in credit reporting. 
3. **15 U.S.C. 1691 Subsection S-2** This provision pertains to fair lending and equal treatment in credit transactions, which may include the appropriate handling of charge-off accounts. 

My primary concern is that my account was charged off, yet I have not received a **1099-C Cancellation of Debt** form, as required by the IRS when a lender cancels a debt exceeding \ {$600.00}. The failure to provide this documentation has caused financial and tax implications for me, as I am unable to properly report the status of the charged-off debt in my tax filings. 

I am formally requesting : - A thorough investigation into why I have not been issued a **1099-C** for the charged-off debt.

- Immediate correction and issuance of the **1099-C**, if applicable. 
- Written confirmation of the accounts current status, including any balance reporting discrepancies. 

Additionally, under **15 U.S.C. 1681i**, I request that XXXX XXXX XXXX XXXX review and verify the accuracy of any reporting related to this account with credit bureaus. If any inaccuracies are found, I expect prompt correction in accordance with federal law. 

Failure to address this matter may result in further actions, including filing a complaint with the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the IRS** XXXX as well as seeking legal recourse for non-compliance. 

Please respond to this dispute in writing within XXXX*30 days** of receipt of this letter, as required under federal law. 

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
Consumer complaint received 2025-03-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the handling of my account XXXX with respect to federal statutes governing charge-off accounts and reporting obligations. Specifically, I am referencing the following legal provisions : 1. **15 U.S.C. 1666B** This statute governs the application of payments and requires creditors to properly credit accounts in accordance with federal law. 
2. **15 U.S.C. 1681i** This section outlines procedures for disputing inaccurate information and mandates that financial institutions investigate and correct errors in credit reporting. 
3. **15 U.S.C. 1691 Subsection S-2** This provision pertains to fair lending and equal treatment in credit transactions, which may include the appropriate handling of charge-off accounts. 

My primary concern is that my account was charged off, yet I have not received a **1099-C Cancellation of Debt** form, as required by the IRS when a lender cancels a debt exceeding \ {$600.00}. The failure to provide this documentation has caused financial and tax implications for me, as I am unable to properly report the status of the charged-off debt in my tax filings. 

I am formally requesting : - A thorough investigation into why I have not been issued a **1099-C** for the charged-off debt. 
- Immediate correction and issuance of the **1099-C**, if applicable. 
- Written confirmation of the accounts current status, including any balance reporting discrepancies. 

Additionally, under **15 U.S.C. 1681i**, I request that XXXX XXXX XXXX XXXX review and verify the accuracy of any reporting related to this account with credit bureaus. If any inaccuracies are found, I expect prompt correction in accordance with federal law. 

Failure to address this matter may result in further actions, including filing a complaint with the **Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the IRS** , as well as seeking legal recourse for non-compliance. 

Please respond to this dispute in writing within **30 days** of receipt of this letter, as required under federal law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
XXXX XXXX has been listed on my report several times, and I have requested information regarding the original agreement and all monthly statements. To date, I have not received any of this information. They show an installment account that was opened in 2019. I did not open an account with this lender in 2019. They do not list the first date of delinquency or any payments made for either of the accounts listed on my report. One shows it was opened XX/XX/year> and the other shows XX/XX/year>. I did not open these accounts. They do not show any payment history.

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 2025-03-25 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: TX

Complaint narrative:
XXXX XXXX  has been listed on my report several times, and I have requested information regarding the original agreement and all monthly statements. To date, I have not received any of this information. They show an installment account that was opened in 2019. I did not open an account with this lender in 2019. They do not list the first date of delinquency or any payments made for either of the accounts listed on my report. One shows it was opened XX/XX/year> and the other shows XX/XX/year>. I did not open these accounts. They do not show any payment history.

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