vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MD

Complaint narrative:
On XX/XX/2024 I received an alert from XXXX that Jefferson Capital is attempting to collect a debt. I did not receive any notice about this debt nor do I owe any debt to Jefferson Capital nor XXXX XXXX. I have disputed several times in the past informing XXXX  that there has been a fraud alert on my credit. I did not have any accounts with XXXX, my identity was stolen. I have submitted several complaints in the past. The false information on my credit report has prevented me from obtaining housing for my children and I. I am now currently homeless and do not have a fix address. I have not given anyone permission to contact me as well but I have also not received any communication from this company about any debts. I have disputed several times with XXXX  that the account was fraudulent and I did not have service with them at all. They have violated my rights and caused so much harm to my credit report. The company failed to disclose any information from the original creditor on why this debt as been owed. I would like this company to be fined for violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
It has come to my attention Jefferson Capital Systems is illegally reporting to my consumer report without my consent or validation of a debt being owed in accordance to 15USC 1692g. This required by all debt collectors after the initial communication in regard to a debt. I have filed the appropriate FTC identity theft report and attached it below. This information is required to be blocked upon 4 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.

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 2024-02-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I engaged a XXXX to build a custom shower ( XXXX XXXXXXXX ). I applied for financing $ XXXX thru their affiliate finance program XXXX XXXX  months into a very bad installation/ improper, I requested the loan be killed, I will pay for it with cash. I received confirmation back from the XXXX XXXXXXXX people who set up the loan and got initial approval that the credit line was closed. XXXX called me to ask if the work was done and I said NO, DO NOT FUND, I closed this line of credit. They told me that XXXX XXXX advised them the job was complete and that XXXX XXXX was their customer, not me, and so they funded the XXXX loan the next day. XXXX XXXXXXXX is their customer and demanded payment, however, I am responsible for payments from that point on or they will persue debt collection and impact my credit rating, despite the contractors incomplete/ bad installation. This seems to me to be very illegal? I asked XXXX to provide me the contract verbiage I signed on that describes this feature/ relationship, but am just getting " Forwarded '' to different departments. They are wearing me down. I did cancel the loan months ago per the contract section on cancelling the loan. I am now being referred to their " Complaints dept ''. I think this is a XXXX issue problem, XXXX with the XXXX but the other with the finance company ( affiliated with the XXXX? ) that funded against my clear express desire and statements of incomplete work via email, XXXX, in live conversation prior to funding, messahes on their website, even text messages.

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 2024-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
Good morning ; I have noticed identity theft someone with my same name used my information to a company I never herd of SCHEER , GREEN & BURKE CO. L.P.A and I am letting them know that I have identy theft and to not use my Information in my credit report. I contact the credit Berau to let them know that they can not or they are not allow to report something that is false to any credit berau without my consent I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and having negative item in there. damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putting in there. I am scare that they will keep using my information more things please need help. is fraud what this company is doing by using my private information to report someone elses debt. I never signed or did any contract I demand that they proof a signature with my name on it and stop harrassing me sending mail or calling me. I asked them please to stop because I will have to take them to court for failing to comply with federal law. I cant open a mail is not mine so please do not use my information to report anything without a wet signature of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: VA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-02-14 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: TX

Complaint narrative:
Affirm approved three different same day loans ( buy now/pay later ) for someone claiming to be me. They issued all three loans from XXXX XXXX XXXX XXXX store around XX/XX/XXXX for {$230.00}, {$80.00}, and {$640.00}. The first time I heard about these loansd was in XXXX when a collection agency ( XXXX ) was contacting me to pay for the delinquent loan payments. After spending hours on the phone with XXXX who directed me to Affirm, and Affirm opened a fraud investigation. I checked back a few times, but they said the investigation was still on going. In XXXX, I finally heard back from Affirm and they said I was still liable for the money. They never contacted me during their investigation. I got help from XXXX XXXX XXXX and we called Affirm together to sort it out in early XXXX XXXX After an hour+ call, Affirm couldn't tell us how they determined I was still liable. Based on a recommendation from XXXX XXXX XXXX consultant, I froze my credit accounts with the XXXX credit bureaus to avoid further loans in my name, I filed a police report of fraud ( XXXX Police Department Official Case Number : XXXX ), and I filed an Identity Theft Report with FTC ( Report Number XXXX ). Affirm said they would contact me with information about their findings for one of the loans where the investigation had completed. The other two loan investigations are still on going at Affirm, but I'm not hopefuly they will find anything different since still no contact from them and the loans seem to have been acquired in the same manner. It's been several days and I have not heard anything back yet from Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: NJ

Complaint narrative:
XXXX XXXX had a cyber attack issue causing their system to shutdown and XXXX hour waits on the phone. Due to this customers were not able to make their XXXX payments online. I tried for several days to make the payment with no luck and eventually assumed payment would be due together with XXXX payment. Apparently their system opened back up on XX/XX/XXXX and they said they notified everyone by email. Theres no proof of such notification and I never received it. On XX/XX/XXXX XXXX XXXX reported my payment late and notified the credit beaureus. Although Ive never been late on a payment and this was caused by their cyber issue.

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 2024-02-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an AMEX gift card from my dad for XXXX. I have never successfully used this card anywhere, even though it remains active. 

This is a physical card, and it is declined both online and in brick-and-mortar stores, at restaurants and grocery stores, or XXXX XXXX - no one will take this card. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the card ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balance for my unusable cards to a virtual card. They can not offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a XXXX XXXX from American consumers. They hold our legal tender XXXX and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not resolve with AMEX customer service nor can the original purchaser. 

My money is inaccessible. All I want is the total balance on my cards in cash/check.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
XXXX  XXXX XXXX  Account number XXXX NOT MINE I DON'T RECOGNIZE THIS ACCOUNT XXXX  Account number XXXX LATE PAYMENT XX/XX/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 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: OH

Complaint narrative:
Re : Product not received ; no refund made. 

Dear sir/madam, On XXXX XX/XX/XXXX, I bought XXXX XXXX log splitter advertised on internet at XXXX ( see attachment ). The only options to pay was using AfterPay account ( https : //www.afterpay.com ). I opened account in AfterPay attaching my XXXX XXXX XXXX and made four transactions {$250.00} each ( {$1000.00} total ) for the order using Credit Card attached to AfterPay account. 
AfterPay forwards my payment to different merchant. My order opened in XXXX and payment made to XXXX XXXX XXXX ( see attachment ). 
I never made any orders in the XXXX XXXX XXXX and not authorize AfterPay to pay this merchant. 
In addition, the original order has no tax and the shipment was free. It makes me think these transactions are fraudulent and I opened dispute at XX/XX/XXXX in my credit Card account and request AfterPay to cancel the order and make full refund.

My AfterPay account indicates that order was canceled and all four transactions refunded to credit card, but refunds were not really made ( see attachment ). 
I contact AfterPay asking a reason why they not make refunds and they want me to withdraw dispute before refund ( see attachment ). 
I do not have refunds even they promise to make it at XX/XX/XXXX ( see attachment ). 
To resolve the problem, I would like a refund of my payments. I have enclosed copies of my contacts and screenshots about these transactions. 
I look forward to your reply and a resolution to my problem. 
Please contact me at the email on this letter. 
Sincerely, XXXX XXXX Enclosure ( s ) Screenshot of the order in topodzi.shop Screenshot of my account in AfterPay sending my payments to XXXX XXXX XXXX. 
Screenshot of my account in AfterPay indicate that payments were refunded on Credit Card. 
Approval for fraud clime for XXXX credit card. 
Email thread of my complaint to AfterPay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-14 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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

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 2024-02-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: True Link Financial, Inc.
State: PA

Complaint narrative:
What happen is that I opened this account with true link card as a dedicated account for the XXXX to add back pay for my XXXX XXXX XXXXXXXX XXXX, these transactions started from XXXX merchant and I reported them to the bank a first time. I spoke to a representative she told me they block the merchant ect, the following date more transactions from that same merchant happened for the amount of {$1800.00} I called them again they file a dispute now I get an email from them stating that my account will not get credited for these transactions wich is ver crazy because they see the time these transactions happening one after the other and they still did not block them like they told me this merchant was blocked and this money is money that I am saving to move to an apartment with my son XXXX XXXX XXXX XXXX that's why this money was provided for him and now I only have {$160.00} left on my account that was {$3500.00}, I am already homeless and this money is all I had to get an apartment but this bank is really unfair toward people money and I think it's just wrong for them not to give me my money back. And these XXXX transactions happen in XXXX I live in XXXXXXXX XXXX and I visit my sister in XXXX please help me with this issue on getting my money back from these people

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I made the payment due ( {$180.00} ) on my loans on XXXX XXXX days later Nelnet initiated a second payment for the same amount and then cancelled it. I did not authorize an extra payment and I did not cancel any payment. Nelnet is now reporting an overdue balance of {$180.00}. The Department of Education informs me they have reported my loans as being delinquent. I assume this is being reported to credit bureaus as well. I called Nelnet on XX/XX/XXXX and waited on hold for over an hour. The agent told me that requests would be filed with their accounting department and that the discrepancies on my account would be resolves within three days. Nelnet has not revised the status of my accounts since I spoke with that representative and I have received no further communication from them. My account still shows a past due balance of {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Money was taken out of my account from PayPal threw a atm transaction that I did not make and PayPal refused to give me my money back but keep saying that I made the transaction which is not true because I never used a XXXX atm I was at a onboarding process for a new job during the time frame of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-14 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: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights as a consumer. 
15 U.S.C.1681 Section 602 A. stated I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: LA

Complaint narrative:
In accordance to the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights as a consumer. 
15 U.S.C.1681 Section 602 A. stated I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: NC

Complaint narrative:
Re : US Bank - I disputed the XXXX % fee on principle. I feel this should be a flat fee of no more than {$100.00}, NOT a percentage of the loan balance. So, if a borrower has a $ XXXX balance or a {$1.00} XXXX balance the bank gets get XXXX % of that loan balance. I don't feel this is fair or equitable. They will be doing LESS work by not having to process these payments and bills each month/year. I feel they should be able to charge maybe {$100.00} or less and that's it ( a fixed fee ) NOT a percentage. Is what they charged me LEGAL? Thank you for your assistance. 

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 2024-02-14 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:
XXXX XXXX  XXXX AND XXXX XXXXL ARE IN VIOLATION 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with non-monetary relief