vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-16 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: FL

Complaint narrative:
After review of the last response to my previous complaint, I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update the account to PAID/NEVER late and send me a copy of updated credit report - Date of reports : ( XX/XX/XXXX and XX/XX/XXXX ) This account has not been XXXX  days late on payments i've attached a copy of my report to this complaint XXXX  XXXX auto finance loan account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
What will it take for fifth third bank to fest up as halsted in XXXX informed me that under my XXXX  XXXX XXXX you have XXXX of mine there? 

For investigation, 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 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 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 explanation
Consumer complaint received 2024-11-16 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: VA

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. 
Account name : XXXX XXXX XXXX, Account name : XXXX Account name : XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section XXXX A, states I have the right to privacy. 
15 U.S.C. 1681 Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my writteninstructions. 
15 U.S.C. 1681c. ( a ) ( XXXX ) 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 and crimes which antedates the report by 7 years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-11-16 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: VA

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. 
Account name : XXXX XXXX XXXX, Account name : XXXX Account name : XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section XXXX A, states I have the right to privacy. 
15 U.S.C. 1681 Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my writteninstructions. 
15 U.S.C. 1681c. ( a ) ( XXXX ) 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 and crimes which antedates the report by 7 years. 
15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I started receiving emails about a payment plan from a debt a collection agency that cant sue me, because according to the email, the debt is too old. I dont recognize this debt. I asked thru their communication, on their website for a debt verification letter. No response. I sent a certified letter demanding the debt verification letter, no response. Yet, I have received another email trying to collect. Resurgent Capital Services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: SLM CORPORATION
State: AL

Complaint narrative:
I had to leave the University XXXX XXXX because of stuff that I had going on at home back in Alabama and I got off track with school and football because I chose to be there for my family back home and that is where I am right now. I am in the process of transferring and I need to send my transcripts to XXXX XXXX University and I was told that college cant hold transcripts anymore even if you withdraw from the classes before the deadline and have a balance. I talked to people at the University XXXX XXXX about releasing my transcript and they have their own rules and telling me I have to pay my balance off and that is challenging for me because I dont have any support to get a loan or anything. I dont even have a car anymore and my family is in poverty. I am submitting this complaint to see if I can get some support to get a loan without a co-signer and paying it off when I graduate or have fight with XXXX and their rules and have them release my transcript now and I set up a payment plan with them later on. I am close to graduating and will be the first in my family to do so because I am a first generation college student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
XXXX XXXX authorized Radius Global Solutions to collect the overdrawn debt account collection on their behalf on XX/XX/XXXX. It has been about three years, and payment methods were already in place with the old letter I kept. I was able to secure a job three years later and I am now able to pay back or settle the debt. I called five months ago ( XX/XX/XXXX ) to Radius to settle my debt. 

However, I am unable to get hold of the Representative in charge of my collections debt, and after calling the collections agency several times, I was unable to speak with XXXX XXXX, the Representative of my debt case. The payment portal did not work, and they did not provided an updated link to secure my payments. With a lack of cooperation on their end, I am filing a complaint in their consistent inability to settle the debt with me or secure payments for me to make. 

The debt on paper is : XXXX. I would like to take charge of setting the debt with payments. The debt is bank overdraft account debt, from economical pandemic hardships in XXXX. 

XXXX XXXX 's Number : XXXX Radius is not letting me resolve this debt, and I am filing a complaint so that they will be complelled to work with me. I believe that debt is accruing as we speak since the last three years. Thank you.

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 2024-11-16 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I bought a XXXX dollar amex gift card to buy online goods with, I activated the card, money was shown in the balance and was ready to use, so I thought. I tried to go to trusted online stores to use the card, but everytime it would give me the message that the card failed to accept the request. I've been on calls hours with customer support to find a solution, but no one seems to help. With XXXX time being hung up at my face without even providing any support or solution. What is the purpose of buying a gift card if I can't even use it. Truly unacceptable and I can't even use the money that I worked for!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I have no knowledge of this debt and No CONTRACT or business with Portfolio recovery assoc. or of this alleged debt i dispute this before and. I contacted and requested Portfolio recovery company to verify this alledge debt. Which Portfolio recovery assoc FAILED TO Comply! I requested to validate/verify this alledge debt. I requested that the original copy of the contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 

I also requested XXXX recovery to To please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain ownership MUST be from the original creditor to the current alleged owner without any break in the chain. If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful ar agreed upon in the original purchase agreement. 

And to also asked send proof that portfolio recovery assoc has sent the legally required notices to me before reporting to this alleged debt to any consumer reporting agencies. Including copies of the original notice and any letter tracking your firm maintains. Portfolio recovery has failed to do that! And continues to report fraudulent activity onto my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I spent a total of {$890.00} to activate an American Express Platinum card for myself and my wife ( {$690.00} for me, {$190.00} for my wife ). American Express advertised to me in writing and verbally that the American Express Platinum card would entitle me to access lounges of XXXX XXXX when flying on a XXXX flight. This was the entire impetus for my wife and I to spend the {$890.00} on the American Express Platinum. 

However, American Express did NOT disclose that we would need to have an upgraded XXXX flight ( i.e., above basic economy ) in order to obtain access to XXXX lounges. I discovered this after I had booked multiple trips on XXXX ( with basic economy fare ) instead of on other, cheaper airlines. 

I spoke to American Express, and they said that this is too bad, and that they would not help remedy the situation in any way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
I AM A VICTIM OF HUMAN TRAFFICKING PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

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 2024-11-16 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: OH

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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: GA

Complaint narrative:
Dear CFPB, I recently contacted Experian Fraud department and they did not handle my claim legit. It seems to be fun and games but I wanted to report the practice of Experian not deleting what should be off of my report since it has now been 7 years. They instead disputed it and a few days before the investigation expires they I received an updated status of " remains '' I would like for you to please investigate this practice with Experian so that they can remove the aged account per FCRA of a reporting of a negative account. Even on my Experian report it states removal is XX/XX/year>. I will sue for each day it sits on my report for violating the FCRA It is under report number XXXX XX/XX/year>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 2024-11-16 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have requested directly to Affirm Inc that XXXX different accounts be removed from my report ( s ), as that they allowed the accounts to be opened using my information, despite my credit being frozen. I provided all the information from XXXX that was provided to me. I filed disputes with XXXX as well. 

The first dispute through XXXX ( first account ) got denied, with Affirm stating the information was accurate. It is not. This account was opened on XX/XX/year> ( while my credit report was frozen ) with an original balance of {$370.00}. It was closed some time in XX/XX/year>. No late payments, but also not an account that I opened. 

The second dispute through XXXX ( second account ) is in progress and Affirm has also opened an investigation, but I have little confidence that the result will be any different. This account was opened on XX/XX/year> ( while my credit report was frozen ) with an original balance of {$1300.00} and a current balance of {$1200.00}. This account remains open, had several payments made on time, but has now become at least 30 days past due as of XX/XX/year>. This is heavily impacting my credit score.

I did not open these accounts. I have been the victim of identity theft for over 7 years now and Affirm is the only company that has caused issues with correcting the fraud. Considering the data breach they experienced, one would think they would understand how identity theft works and make efforts to correct it when it happens to victims. 

My credit reports have been frozen for many years. Further, on XXXX I have a fraud alert on my report ( as of XX/XX/year>, well BEFORE either of these accounts were fraudulently opened ). 

Affirm needs to correct these instances of fraud and have the information they falsely reported to XXXX ( and any other credit bureaus ) removed. Further, they need to actually respect the fact that I have a credit freeze on my reports and stop giving this thief accounts/money. 

At this point, I consider Affirm Inc complicit in allowing these fraudulent account creations and their continued existence. I would highly recommend anyone entertaining the idea of doing business with Affirm to avoid them at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 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: Early Warning Services, LLC
State: NV

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX is reporting inaccurate information on my credit reports. I have no prior business or financial relationship with the banks involved, yet XXXX XXXX has included information in my report that is incorrect and misleading. 

These errors have caused significant harm, including negative impacts on my creditworthiness and unnecessary stress. Despite my efforts to dispute these inaccuracies and request corrections, no adequate action has been taken to resolve the matter. 

I request an immediate investigation into this matter and demand that all incorrect and unverifiable information reported by XXXX XXXX  be removed from my credit reports promptly. It is essential that my reports reflect only accurate and legitimate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-16 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:
I AM A XXXX  OF XXXX  XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A XXXX  OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.

Company response to consumer: Closed with explanation