vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am writing to formally dispute in violation of federal laws protecting consumer rights and personal information.

1. 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Under this section, access to my consumer report is permitted only for specific, permissible purposes. I have reason to believe that my consumer report was accessed without proper authorization or a valid purpose as defined under the law.

2. 18 U.S.C. 1028A This law criminalizes knowingly transferring, possessing, or using another individuals means of identification without lawful authority. If my personal information was used fraudulently or without consent, this constitutes a violation of this statute.

3. 15 U.S.C. 6802 This section mandates that financial institutions provide clear disclosures about how they share and protect customers private information. Additionally, it requires explicit consent before sharing sensitive personal information in non-permissible ways. If my information was shared without my knowledge or consent, it violates this law. 

Request for Action I am requesting that you : 1. Provide documentation showing the basis or authority for accessing or sharing my information.

2. Investigate the unauthorized use or sharing of my information, identify responsible parties, and provide a written response with your findings.

3. Cease any further unauthorized access, use, or disclosure of my personal or financial information. 
XXXX. If applicable, immediately delete any records or information obtained unlawfully or without my consent. 



If you fail to resolve this issue promptly, I reserve the right to take further action, including filing complaints with the Federal Trade Commission ( FTC ), or pursuing legal remedies. 

Please respond to this letter 30 days Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
XXXX has not been properly investigating claims

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 2025-01-11 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: TX

Complaint narrative:
( XXXX XXXX XXXX XXXX XXXX has a late payment, XXXX XXXX HAS a late fee and XXXX XXXX XXXX and I set them the laws XXXX XXXX XXXX XXXX ( XXXX ) A creditor can not treat a payment on a credit card account under an open and consumer credit plans late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX of this title is mailed XXXX XXXX XXXX XXXX A creditor XXXX not treat a payment on a credit card account under an open end consumer credit as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXXXXXX XXXX XXXX XXXX of this title is mailed not later the XXXX days before the payment

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 2025-01-11 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : [ XXXX XXXX XXXX XXXX XXXX XXXX  ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-01-11 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: NC

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX XXXX ] [ XXXX ] Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has removed a collection from my credit report and days later put it back on my report several times without showing just cause

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: Velocity Portfolio Group
State: TN

Complaint narrative:
My information was exposed in a data breach. It is so much incorrect information that is being reported to third party consumer agencies. Online credit applications and bank accounts that were open online. 

cks Prime investments XX/XX/XXXX ( {$650.00} ) XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX {$3700.00} XXXX XXXX XXXXXX/XX/XXXX {$2300.00}

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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
ON XX/XX/year> - SOMEONE TRIED TO OBTAIN FINANCIAL ACCESS BY APPLYING FOR CREDIT WITH BOTH ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDENTLY IN WAY OF IDENTITY THEFT. I HAVE CONTACTED TRANSUNION AND EXPLAINED THESE ARE DONE SO BY FRAUD AND WAS NEITHER DONE SO WITH MY KNOWLEDGE NOR CONSENT. I HAVE REQUESTED THEY REMOVED BOTH AS THEY WOULD AFFECT MY OVERALL CREDIT AND SCORE ALIKE. 

I WAS TOLD I HAD TO FILE THIS COMPLAINT AND REQUEST YOU CONTACT THE CREDIT AGENCY TRANSUNION TO HAVE THEM REMOVED.

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 2025-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
In XX/XX/year> while using XXXX I started getting ads about XXXX XXXX about high profit-making investments, the scammers started urging me to join a class via XXXX, register with my government id, and gain financial freedom, this was done by way of trickery and/or manipulation using advanced technological systems. I never suspected that these groups were fraudsters because their presentations appeared genuine. They requested payments in cryptocurrency to be paid into the account of the company, I used Cash App, XXXX, and XXXX for my transactions. I never got a warning or fraud alert from any of these institutions, so I felt they were a legitimate group. After payments were made, they ran trades that would yield very high profits and one could see their currency value increasing, plus a lot of people in the XXXX class gave testimonies on how they were making crazy profits and thanked the leaders of the group for what they were doing, but soon strange losses in transactions begin to happen and the total capital and profit invested are lost completely, they use their manipulation to explain why the money was lost and promise to help in recovering total loss plus make much more profit. They still encourage XXXX to invest a good amount to recover the lost funds faster, I never knew I was being scammed and I kept losing money, I lost a total of {$200000.00} which includes some borrowed money. Their groups namely XXXX  platform with the domain XXXX XXXX  platform with the domain XXXX XXXX XXXX  with the XXXX XXXX Unfortunately, the more I reinvested following their manipulations to recover my lost funds, The more I continued to find myself in a worse position until my eyes were opened by a family member with whom I narrated my ordeal.I later got a company that claimed to recover lost crypto ( XXXX XXXX XXXX ), but they only took advantage of my situation, after completing the installments to help trace my lost funds, they disappeared, and I could no longer reach them via phone or email. I have been able to work with another company XXXX XXXX XXXX to trace where the funds have been channeled to and have tried to reach out to Cash App to recall the funds but this has been abortive as Cash App says bitcoin transactions can not be reversed once initiated. I am bringing this case here because it has become unbearable to suffer this loss without any form of help from the institutions where these funds were paid to scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: GA

Complaint narrative:
I am filing a formal compliant challenging the reinvestigation of the disputed item ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my TransUnion credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), including Sections 623, 611, and 605B ( 15 USC 1681c-2 ). Despite my previous response, TransUnion is indicating that the information in question has been verified as accurate and updated for XXXX  updated and verified as accurate updated XX/XX/XXXX, XXXX  XXXX status updated XX/XX/XXXX and verified as accurate for XXXX XXXX  updated XX/XX/XXXX, I am challenging the method and sufficiency of the investigation. 

Specifically, I believe TransUnion failed to meet its obligations under FCRA Section 605B. As you are aware, this section requires credit reporting agencies to block information that appears on a consumer 's credit report as the result of identity theft. I submitted the necessary documentation to support my claim of identity theft, yet TransUnion failed to block this inaccurate information in a timely fashion as required by law. Additionally, the mandated notice of the dispute was not been properly reflected on my credit report or in a timely manner.

Under Section 611 ( a ) ( 1 ) ( A ), I have the right to challenge this dispute the completeness or accuracy of any information on my report. Additionally, under Section 623 ( b ), information furnishers are required to conduct a reasonable investigation into disputed information. However, I question the validity and thoroughness of TRANUNION investigation, and the methods used for verification. Finally, I also insisted that they do not use automated verification methods such as e-Oscar to investigate my claim, as these methods are insufficient for verifying the accuracy of such serious allegations.

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 2025-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PROVIDENT FUNDING ASSOCIATES
State: WI

Complaint narrative:
My mortgage has been sold 3 times in the last 2 years so I have no choice to be a consumer of Provident Funding. I have never in over 15 years made a mortgage payment late, however this past XXXX I submitted payment on the XXXX which is the last day to pay without an imposed fee but my payment was not recognized in the online system before the cut off time that day and my payment was posted the next day, the XXXX resulting in a {$40.00} non negotiable late fee. My reason for the late payment was beacuse I was in the hospital in the begenning of the month XXXX XXXX XXXX XXXX XXXX  and due to the circumstances it accidently slipped my mind to submit the mortgage payment earlier. I called Provident Funding customer service tto explain this and I was told that their policy is -- no exceptions. This company already makes monthly interest off of me and I don't believe it is fair for them to receive an additional {$40.00} for the payment being received less than a couple hours after the close of the business day escpecially if the reason for my late payment was due to a life changing event such as XXXX XXXX XXXX. Have some compassion -- instead this greedy company is more interested in charging me a fee and furthermore I am forced to be their customer unless I want to spend thousands of dollars to refinance my mortgage to get a different mortgage company, maybe one that does have late fee forgiveness for those that might need a " free pass '' once a decade. Life happens. I don't think it is appropriate for a mortgage company to capatilize off of these type of scenarios when the consumer otherwise makes timely payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I had a loan with Affirm for an item purchased, the loan would be paid in installments amounting in XXXX $ a month. The original loan amount was XXXX the finance charge cost of borrowing was XXXX based on a 12 month repayment schedule, the total amount expected to be paid over 12 months was XXXX loan + finance charge. Payments made by myself were XXXX $ on XX/XX/XXXX then, I paid the remaining balance principal in full on XX/XX/XXXX, meaning I only used the loan for 2 months instead of XXXX. Since I used the loan for 2 months, the lender is only entitled to the finance charge for that time. The finance charge for 2 months is approximately XXXX $ prorated from XXXX. Leaving the unearned portion of the finance charge for the remaining XXXX months is approximately XXXX, which rightfully the lender should refund to me. I have already paid the principal and the lender has earned XXXX in finance charges. The lender is claiming I still owe them XXXX XXXX I have spoken with the lender several times with no result. I have requested they show a break down of how they arrived at a XXXX $ balance clarifying why the unearned finance charge has not been refunded. It states directly on their page as well as my loan agreement that prepay is entitled to a full refund on interest charges and is acceptable. However they have declined that stating I Still owe them XXXX $ without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-11 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: KY

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 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 explanation
Consumer complaint received 2025-01-11 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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : 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 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 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 States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-11 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: CT

Complaint narrative:
There were accounts that was showing us closed. That means they have written off the debt but yet they still have it on my report and did not remove it and I requested tax form and they did not send me what I requested as a write off

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 2025-01-11 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: CT

Complaint narrative:
There were accounts that was showing us closed. That means they have written off the debt but yet they still have it on my report and did not remove it and I requested tax form and they did not send me what I requested as a write off

Company response to consumer: Closed with explanation