vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Experian Report XXXX : XXXX. This is a second reinvestigation request concerning the American Express account, originally opened on XX/XX/XXXX, and closed on XX/XX/XXXX. As of the most recent update on XX/XX/XXXX, the account is reported as a charge-off with a balance of {$1400.00}. Although the account is marked XXXX, it continues to show an unpaid balance and is being updated after closure. The creditor has relabeled this account under Profit and Loss reporting terminology. Under IRS Code 6050P, any profit and loss classification involving debt cancellation over {$600.00} legally requires issuance of IRS Form 1099-C to the consumer and the IRS. No such form has ever been issued. A formal complaint has been submitted to the IRS Criminal Investigation Division for failure to comply with federal tax reporting law. From a credit reporting standpoint, this entry violates FCRA 1681e ( b ), which requires that all information reported be accurate and not misleading. Reporting a charge-off with a continued balance is contradictory and unverifiable. This dispute is supported by new evidence, including my XXXX  Annual Credit Report and IRS Notice 2012-65. Under FCRA 1681i ( a ) ( 1 ) ( A ), I request a reinvestigation. Under FCRA 1681i ( a ) ( 5 ) ( A ), this information must be permanently deleted if unverifiable. Continued reporting after closure also suggests improper reentry of previously disputed data. Additionally, I do not authorize distribution of this data to XXXX, XXXX, XXXX, or XXXX, which violates FCRA 1681b ( a ) and the Gramm-Leach-Bliley Act. I request full deletion of this account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX2025 TransUnion P.O. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXXXXXX Account Number : XXXX Balance : {$2000.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " XXXX  '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy.

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2025-04-22 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: GA

Complaint narrative:
I would like to delete this information due to ID Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Customer Service XXXX XXXX Dear XXXX XXXX  Customer Service , I hope this message finds you well. My name is XXXX XXXX XXXX, and I am writing to address a pressing matter regarding my account ( Account Number : XXXX ). 

Recently, I experienced fraudulent activity on my XXXX XXXX account, which led to the bank issuing me a new account number. Unfortunately, the timing of this incident caused a disruption in my ability to make timely payments, resulting in a rejection that has subsequently affected my credit score.

I take my financial responsibilities seriously, and I have always maintained a good standing with XXXX XXXX. The late payment on my account is not reflective of my usual payment behavior and is solely a consequence of circumstances beyond my control. 

As I am currently in the process of purchasing a home, I kindly request that you review my account and consider removing the late payment from my record. This adjustment would significantly assist me in moving forward with my home purchase and restoring my credit standing. 

Thank you for your understanding and prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Customer Service XXXX XXXX Dear XXXX XXXX  Customer Service , I hope this message finds you well. My name is XXXX XXXX XXXX, and I am writing to address a pressing matter regarding my account ( Account Number : XXXX ). 

Recently, I experienced fraudulent activity on my XXXX XXXX account, which led to the bank issuing me a new account number. Unfortunately, the timing of this incident caused a disruption in my ability to make timely payments, resulting in a rejection that has subsequently affected my credit score.

I take my financial responsibilities seriously, and I have always maintained a good standing with XXXX XXXX. The late payment on my account is not reflective of my usual payment behavior and is solely a consequence of circumstances beyond my control. 

As I am currently in the process of purchasing a home, I kindly request that you review my account and consider removing the late payment from my record. This adjustment would significantly assist me in moving forward with my home purchase and restoring my credit standing. 

Thank you for your understanding and prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I'm paying AFFIRM when i bought from XXXX. I returned the merchandise back to XXXX and they credit me back to my account to XXXX without my permission instead of refunding me back to AFFIRM the amount is {$73.00} XXXX XXXXXXXX this since XX/XX/year> I have been filling disputed to AFFIRM so many times they close my dispute without dealing with XXXX. XXXX have no contact number they only chat and I also did chat with XXXX this company is in XXXX i. I have been paying AFFIRM every month for the payment if i don't have the credit back from XXXX TO affirm IS AGAINST THE LAW BEACUSE I DONT HAVE THE MERCHANDISE I RETUNED IT. If I don't pay AFFIRM, they will destroy my credit. i already have XXXX AFFIRM charge XXXX precent on the installments plan they need to deal with XXXX they paid them. and I'm paying AFFIRM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have been a loyal Wells Fargo customer for over 10 years. Recently, my debit card was fraudulently used for transactions I did not authorize. I was not physically present at the location of these transactions, nor did I approve or benefit from them. 

Despite reporting the issue promptly, Wells Fargo denied my claim, stating that the card was in my possession at the time of the fraud. This is unfair and unacceptable. Possessing the card does not mean I authorized the charges. 

I expect Wells Fargo to take accountability, conduct a proper investigation, and reimburse me for the unauthorized transactions. I trusted this bank with my money, and I feel completely let down by how this has been handled.

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 monetary relief
Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
I am submitting this complaint against XXXXXXXX XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ). I sent a formal Cease and Desist letter demanding that all communication regarding an alleged debt stop immediately. They have continued to contact me or maintain inaccurate information on my credit report. 

Under 15 U.S.C. 1692c ( c ), I am entitled to request that all communication stop. I also requested verification of the alleged debt under 15 U.S.C. 1692g ( b ), which has not been provided. 

This violates my federal consumer rights. I am requesting that the CFPB investigate XXXXXXXX XXXX XXXX noncompliance and take enforcement action if necessary.

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 2025-04-22 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: MI

Complaint narrative:
I am submitting this complaint against XXXXXXXX XXXX XXXX for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ). I sent a formal Cease and Desist letter demanding that all communication regarding an alleged debt stop immediately. They have continued to contact me or maintain inaccurate information on my credit report. 

Under 15 U.S.C. 1692c ( c ), I am entitled to request that all communication stop. I also requested verification of the alleged debt under 15 U.S.C. 1692g ( b ), which has not been provided. 

This violates my federal consumer rights. I am requesting that the CFPB investigate XXXXXXXX XXXX XXXX noncompliance and take enforcement action if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
I am appreciative of your attention to this matter and look forward to a swift resolution within the stipulated timeframe. Your cooperation in this regard not only safeguards my financial standing but also upholds the integrity of the credit reporting system as a whole. Thank you for your understanding and prompt action on this matter. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
I am appreciative of your attention to this matter and look forward to a swift resolution within the stipulated timeframe. Your cooperation in this regard not only safeguards my financial standing but also upholds the integrity of the credit reporting system as a whole. Thank you for your understanding and prompt action on this matter. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DOB : XX/XX/year> SSN : XXXX XXXX XXXX To Whom It May Concern, Subject : Second Submission of Previously Requested Documents DO NOT Reset Dispute Timeline I am writing to inform you that I have previously submitted all the necessary documents regarding my credit dispute. However, I recently received a communication from your office requesting documents that have already been provided. 

I am resending the same documentation with this letter to ensure you have what you need to move forward. Let me be very clearthis resubmission does not reset or restart the original 30-day investigation period that began upon your receipt of my first dispute letter and documentation. As per the Fair Credit Reporting Act ( FCRA ), Section 611, you are required to investigate and respond to a dispute within 30 days of receiving it.

Continuing to delay your investigation by asking for documents already provided is a violation of my consumer rights. Under FCRA 15 U.S.C. 1681i, if a consumer disputes any item of information in their file, the credit bureau must reinvestigate within 30 days and must notify the consumer of the results. 

This letter is a formal request for you to stop stalling and fully investigate the dispute ( s ) I have submitted. I am aware of my rights under the FCRA and Consumer Financial Protection laws, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general if necessary. 

Attached are copies of all previously submitted documents for your convenience. I expect a prompt and lawful response regarding my dispute within the legally required time frame. 

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 2025-04-22 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: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
In accordance with my rights under the Fair Credit Billing Act ( FCBA ), this creditor has violated my rights. Specifically under 15usc 1681 section 602 states I have a rights to privacy.

15 usc 1681 section section 604a section 2 states, it also states that an consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit report or credit card under an open end consumer credit plan as late for any purpose.

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 2025-04-22 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
In accordance with my rights under the Fair Credit Billing Act ( FCBA ), this creditor has violated my rights. Specifically under 15usc 1681 section 602 states I have a rights to privacy.

15 usc 1681 section section 604a section 2 states, it also states that an consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit report or credit card under an open end consumer credit plan as late for any purpose.

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 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company
State: CO

Complaint narrative:
this aleged amount was with the general. this acct was allegedly owed by the general. this collections has been removed previously and this acct has been illegally with credit services falsely indicating they are the original creditor, they have refused to validate the debt so this account needs to be removed. they cancel insurance once its paid and i already previously proved i had another insurance carrier at the time

Company response to consumer: Untimely response
Consumer complaint received 2025-04-22 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: NC

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 2025-04-22 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: CL Holdings LLC
State: MN

Complaint narrative:
I reached out to the companies directly and asked them to authenticate these accounts and let me know how they obtain this information and opening these accounts. I also asked them can they verify the informaiton on this account and they were not able to do this.

Company response to consumer: Closed with explanation