vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 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: IA

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.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2024-11-13 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: EQUIFAX, INC.
State: IA

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.

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2024-11-13 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I charged on my credit card a trip to XXXX that was then cancelled. This was done on my XXXX XXXX. When the money was reimbursed to me the money was mistakenly sent to a loan company called AFFIRM. When I inquired of AFFIRM as to where my money is and to send it back to my account they basically said that they have no idea as to what I am talking about and said that they are done with my inquiry. The address of the company is as follows : AFFIRM, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The amount in question is {$1200.00}. The date is XX/XX/year>. 

They simpl refuse to send me the money that was supposed to be sent to my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : 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 2024-11-13 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: PA

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
I have XXXX hard inquiries on my credit report with Trans Union XXXX XXXX and XXXX XXXX  XXXX I did not authorize

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 2024-11-13 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
There are XXXX hard inquiries from " Wells Fargo Card Serv '' dates XX/XX/year> and XX/XX/year>. I have reached out to this bank after them stating they would reach out to the bureaus to have them removed I have not seen any change to 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 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I ordered a XXXX from XXXX XXXX. It cost {$1200.00} weighed XXXX lbs & comes in XXXX boxes. I only got XXXX. XXXX XXXX would only offer me a {$230.00} refund. I turned in charge-back with PayPal. PayPal is giving me the run around, repeatedly extending the resolution date & asking me to file complaints with the FBI, State Police & the IC3, threatening to decide In XXXX ' favor if I do not. The FBI & State Police do not deal with civil complaints & I do not have access to the information I need to file with the IC3, so I am filing my complaint here & the FTC & the Pennsylvania Attorney General 's Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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:
To Whom It May Concern : I am submitting a formal complaint against XXXX XXXX XXXX XXXX for their illegal attempts to collect a debt that is not mine and their ongoing violations of consumer protection laws. This debt, reported as {$700.00} owed to XXXX XXXX XXXX has been placed on my credit report, but I have never conducted any business with either XXXXXXXX XXXX  XXXX XXXX XXXX, nor have I signed any contract or agreement that would make me liable for this amount. 

I first disputed this debt, citing the fact that I did not owe it and requesting debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I specifically requested proof of the debt, including a signed contract or agreement, and an itemized statement showing how the amount was determined. After this request, the collection was deleted from my credit report as it was not validated. 

However, despite the deletion of this invalid debt, XXXX XXXX has reinserted this account onto my credit report without providing any verification of the debt. This is a clear violation of 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which requires that any reinserted information must be fully verified and legally justified before being reported.

In addition, I am invoking my rights under 15 U.S.C. 1692c ( c ) of the FDCPA, which prohibits any further communication from a debt collector once I have requested that they cease contact. XXXX XXXX has disregarded this by continuing to report the debt to credit bureaus and making indirect contact through collection activity, violating my right to cease communication. 

I am requesting that the CFPB investigate this matter and enforce compliance with federal consumer protection laws. Specifically, I seek the following : 1. Immediate removal of the fraudulent debt from my credit report by XXXX XXXX. 
2. An investigation into their failure to cease communication, as required by the FDCPA.

3. Action taken against XXXX XXXX for violating consumer laws by re-reporting an unverified debt and continuing to contact me after my explicit request to cease all communications. 

This ongoing issue has caused significant distress and damage to my credit, and I seek your assistance in holding XXXX XXXX accountable for their illegal actions. 

Thank you for your attention to this matter. I trust the CFPB will take appropriate action to address these violations and ensure that my rights as a consumer are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: NERD SOLUTIONS INC
State: CA

Complaint narrative:
I was contacted by the new education repayment program and gave them all of my information, including my social and and they logged into my student financial aid website and then wanted me to pay {$500.00} and then my student loan would be forgiven and then I gave them my debit card number And then hung up. I was just trying to find out if I was scammed or not.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have called the company EnerBank owned by Regions twice to find out how to pay principal down and also inquired on why my payments are being applied solely to interest. They say the only way to possibly pay more principal is to make two payments on the same day but this doesnt guarantee an all principal payment. They state interest accrued daily being the reason for this. In addition the terms of my loan are 20 year installment loan with set monthly payment of {$1000.00}. For the last few months I have paid early from due date and even doing so they are applying my set payment amount 100 % to Interest and only if I pay more is some of that applied to principal. They will not provide me an amortization schedule and given this is a closed end Installment loan I am unsure how I Would ever pay down this loan if the continue to not apply my payments to any principal. The rep informed me they are in Utah as if that gives them the right to use these unfair deceptive, bait and switch rent a bank scams on unsuspecting consumers. They are giving me no other options here than to file this complaint and informed me they have no complaint process and they would not have anyone else contact me. They also told me they act independently from Regions so there is nothing the parent company can do for me. They were not able to tell me who regulates them or who I could contact other than FDIC which is odd to me and FDIC is not who I should contact for there violations of the TILA and UDAAP. As it stands today I do not see how the TILA I have would suffice to inform a consumer fairly.

All I want to be able to do is pay my loan on time and have The appropriate amounts be applied to both principal and interest and to be given a way to pay down sooner.

I also filed an fcra dispute as they are not reporting this as a closed end installment loan but rather a line of credit which this is not. They changed it from a LOC to a personal loan but it is still not reporting accurately, my credit score dropped over XXXX points because of their inability to report the trade line accurately and completely.

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 2024-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: AL

Complaint narrative:
XX/XX/XXXX TO XX/XX/year> Google Pay/Wallet including XXXX services demanded that I verify my identity by GOVERNMENT ID along with every card stored in my wallet. They wanted me to take pictures of my card showing all info and licenses. I informed them that this is a violation and at most need to be redacted according to the law. They threatened to close my account including Google XXXX XXXX At first told them close it because they have no right to that info. I verified it was indeed Google requesting said information. Freaking out I did submit the proof they required but with warning I was going to report them. I am infuriated by all this. I saw others online had this happen to. They flagged my account as suspicious ... .... They are suspicious to me. 


Another situation XXXX XXXX XX/XX/year> Google also would not uphold their warranty for 3 months I waited for them to make good on it until I quoted their own policy to a supervisor who agreed it made no sense. They still have open tickets when connecting with them about my Google XXXX XXXX XXXX They wanted to hold a credit card while sending me a new " pristine '' refurbished one even though I just got this phone end of XX/XX/year> paying {$900.00}. They were going to put an authorization hold on my card of {$990.00} ( Cost of brand new phone ) even though they were sending me a refurbished one. I fought with them for about a month before they said we will do it without a debit/ credit card. Why would they put a {$990.00} authorization hold for a new phone that has malfunction for a refurbished one in case I didn't send mine or didn't receive their " pristine refurbished one ''??? The cost for a refurbished one versus a new one is a significant difference. They were willing to charge me that amount in case it got lost on either side even though the warranty covers all this. I didn't have the money for them to put an authorization hold. At first they were not going to replace it at all because of this. I reported them and XXXX XXXX where I purchase the device to State General attorney of Alabama. I have been complaining to XXXX XXXX since XXXX but they delayed me and returning the phone within time allowed because I couldn't walk into the store at the time. They would accept by mail.

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 2024-11-13 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: GA

Complaint narrative:
Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name 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 2024-11-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation