vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XXXX 2024 Affirm granted a fraudulent loan in my name to a company called XXXXXXXX XXXX XXXXXXXX. A loan of {$8200.00} was taken out in my name without my permission. Furthermore Scaling with sales gave false and misleading information regarding a pay to participate position as a high paying closer within the company. I immediately informed them that I was not interested in the position/ job but they refused to give me a refund unless I worked to fulfill their quotas in order to pay back the debt. I informed them that due to medical issues I would not be able to do so and was still refused a refund. I then filed a dispute with Affirm, which ended with Affirm siding with the seller as per seller contract. I believe I have been the victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: NJ

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This serves as an official letter, and I am choosing to opt out of the Consumer Credit Reporting Companies. I want to permanently opt out of Equifax, XXXX, XXXX, and XXXX, and provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. I also want to remove my name from the list for firm offers of credit or insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: PA

Complaint narrative:
I am writing to bring to your immediate attention several hard inquiries that have been recorded on my credit report without my authorization. The details of these inquiries are as follows : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Hi, i created a PayPal account recently with my email address XXXX. upon creation I was able to link my bank and receive some money from a survey company I worked for. Upon receiving money from my friend my account got limited all of a sudden after contacting customer service I was able to upload my driver 's license and the customer service representative told me it will be resolved. Few hours later I got another limitation stating I have some issues with my bank, even though it is fully verified by entering the 2 digit code sent to bank. I tried uploading my ID but it just keeps rolling and rolling after scanning my face, so I contact PayPal customer service service to help me out and I uploaded my driver 's license again. I was told it will be sorted out. I was glad, I couldn't believe it that few hours later I logged in and I see that my account is permanently limited. After all the stress I went through. I didn't even get a mail or anything from customer service. This is very disturbing and mentally draining and I believe PayPal has affected me psychologically and many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-20 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: FL

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
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am in disagreement with the account listed below, which still appears on my credit report even after your investigation. I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public Law XXXX, XXXX VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: PA

Complaint narrative:
I recently looked at a copy of my credit report and I noticed that there were some things on my credit report I had no knowledge of also a few inaccuracies. I sent a dispute letter to all three credit bureaus ( XXXX, XXXX, and Transunion ) I sent this letter more than 35 days ago and the credit bureaus have yet to respond. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On Friday, XX/XX/year>, I discovered multiple unauthorized charges on my SoFi Checking account, totaling {$3600.00}. I immediately reported these transactions to SoFi on the same day. When I followed up on Tuesday, XX/XX/year>, to inquire about the status of my dispute, I was informed that the claim had been denied on the grounds that no error occurred. 

Given the timeline, it is highly unlikely that SoFi conducted a thorough investigation of my dispute within just three days, leading to the conclusion that no error took place. It appears that my dispute was dismissed without a comprehensive review of the fraudulent activity. As a result, {$3600.00} of my hard-earned money remains unaccounted for.

I am requesting that SoFi reexamines this matter with the diligence it deserves to ensure a fair and accurate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
This account was disputed with the FCRA. It was agreed to with the original creditor that this would be removed from my credit profile, but it still has not been removed yet to date and this is greatly impacting my credit score and future ability to open credit. This account MUST be removed immediately as it was incorrectly reported onto my profile.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This serves as an official letter, and I am choosing to opt out of the Consumer Credit Reporting Companies. I want to permanently opt out of XXXX, Experian, XXXX, and XXXX, and provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. I also want to remove my name from the list for firm offers of credit or insurance.

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In late XXXX, I noticed late payments from a XXXX XXXX account on my credit report. I found, I was an authorized user on a relatives account, so I requested to be removed and for the late payments to be removed as well. XXXX XXXX advised me to contact the credit bureaus pertaining to the late payments. 

On XX/XX/XXXX, I reached out to TransUnion, explained the situation, and was assured it would be handled. However, a month later, I found that the account was no longer listed when I tried to pay my XXXX balance on My Mobile App. I immediately contacted XXXX XXXX and learned that TransUnion had reported the account as fraud. 

I spoke with a supervisor at XXXX XXXX, who instructed me to send a notarized letter with my name, address, Social Security number, and confirmation of ownership of the account. XXXX  XXXX Supervisor assured me the account will be Reopened. 

I followed the XXXX XXXX supervisors instructions to send a notarized letter taking ownership of the account. However, when I called back in late XXXX I was told it was being investigated, I then called back the end of XXXX and was told the account would not be reopened and the debt was owed. The representative was rude and unhelpful very solution focus and unprofessional. This has been such a uneasy experience. I do not think this is fair treatment what so ever I simply begged for a further investigation into this matter. 

I contacted TransUnion again and spoke with agent named XXXX. He confirmed that a previous agent disputed the XXXX account and other XXXX  XXXX accounts. XXXX confirm the time and date I spoke to agent, although he would not provide a first name he gave me a file number XXXX. XXXX advised no further action could be taken. He mentioned that the dispute was filed as an account not associated with my name, effectively treating it as fraud with the creditor. 

I expressed my frustration and then requested that this issue be reviewed for training purposes to prevent similar problems for other consumers. The XXXX  account is crucial for my daily needs, and this situation has been extremely stressful for me. 
This situation has caused significant emotional distress, and the agents Ive spoken with have been unresponsive and unsympathetic. I am caught between XXXX XXXX and TransUnion, with neither taking responsibility for their agents mistakes or providing clear guidance. 


I requested the Original Dispute Submitted On XX/XX/XXXX They denied me access to it. 

I requested a copy of the letter I sent to XXXX XXXX accepting ownership, to submit a copy with complaint and they denied sending me a copy. - I did not copy document as I was confident this would be easily rectified.

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 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOUTHSTATE BANK CORPORATION
State: DC

Complaint narrative:
XXXX Company refused to accept electronic payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX- The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX The following inquiry was not authorized and should not be reporting. 
XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - The following inquiry was not authorized and should not be reporting.

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 2024-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma, LLC
State: MI

Complaint narrative:
Money trasfered from credit union to Credit Karma XXXX. I did not authorize this. They will not transfer it backuntil they investigate. They said they have no idea how long this will be!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
It has come to my attention that my personal information was used without my authorization to obtain credit for various services, including medical and utility services. 

Please be advised that I did not give consent for these transactions, nor did I open these accounts or receive any services related to them. I am a victim of identity theft, and I am requesting an immediate investigation into these accounts. I ask that all fraudulent information be removed from my credit report and that I be provided with confirmation once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I created an account with TransUnion on Saturday, since my information was released on the dark web along with many others. 

I entered information to freeze my credit. The other XXXX credit agencies put a credit freeze on my account and provided me confirmation. TransUnion, has not. I have looked online and talked to them, but no one has been providing information. This is the message I got. 

Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX - XXXXXXXX XXXX and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX Eastern Time. 

This has been the same message as Saturday. XX/XX/year>. 

I talked with their agent. They asked me to fill out a form, same form I did on Saturday, resubmitted since I was on line live with them. Then they went silent not confirming anything. 

Their chat feature keeps saying sorry they are talking long, they will be with me shortly, etc. After I filled out their form, while I was talking to them their response was " Thank you for your patience. Due to higher than normal call volume, please be advised our wait times are longer than usual. For faster service, please explore our many self-service options online. 

To place a fraud alert : https : //www.transunion.com/fraud-alerts To place a security freeze : https : //www.transunion.com/credit-freeze To open a dispute : https : //www.transunion.com/credit-disputes/dispute-your-credit '' Seems like TransUnion should provide quick response to my request, or if they aren't active, the government should eliminate them. The other XXXX credit bureaus were responsible, but this company is not and risks creating fraud worse. 

What do I do, how do you get this company to fix their issues and provide confirmation. Are they responsible now if someone tries to apply for credit?

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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
For purposes of this section, a notice of address discrepancy means a notice sent to a user by a consumer reporting agency described in 15 U.S.C. 1681a ( p ) pursuant to 15 U.S.C. 1681c ( h ) ( 1 ), that informs the user of a substantial difference between the address for the consumer that the user provided to request the consumer report and the address ( es ) in the agency 's file for the consumer. 

ADDRESS IM NOT ASSOCIATE WITH PLEASE REMOVE THE FOLLOWING OFF MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - False, deceptive, or misleading representations or means. 
these accounts are not correct. 

XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXXXXXX XXXX XXXX- ACCT # XXXX XXXX XXXX XXXXXXXX XXXX- ACCT # XXXXXXXX XXXX- ACCT # XXXXXXXX XXXX ACCT # XXXX XXXX XXXX- ACCT # XXXXXXXX XXXX -ACCT # 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