vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 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: MI

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : 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 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
I received a letter on XX/XX/XXXX from Torres Credit Services Inc. stating that I owe {$25.00} to XXXX XXXX XXXX I left a voicemail for Torres Credit yesterday, XX/XX/XXXX, in the afternoon and received a call back this morning, XX/XX/XXXX, around XXXX PST. On the call, I requested an explanation of the {$25.00} I allegedly owe. The man on the phone told me that XXXX billed me a meter reading bill at the end of my time at my last apartment. However, when I call XXXX and tried to enter the account number that Torres Credit listed as my XXXX account number on their letter, XXXX phone support says its not a valid account number. When I log into my real XXXX account, it says I am all caught up on my bill payments ( Status : Finaled in green means I have no outstanding payments with XXXX ). Therefore, I believe Torres Credit Services Inc. is trying to fraudulently collect {$25.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEMS LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the unauthorized addition of a delinquent account to my consumer credit file.

Details of the complaint are as follows : **Unauthorized and Fraudulent Credit Profile : ** While reviewing my recent consumer credit file, I discovered an unauthorized and fraudulent credit profile listed by JEFFERSON CAPITAL SYSTEMS LLC . I did not authorize anyone employed at your company to view or add a delinquent account to my consumer credit file. This action is a direct violation of the Fair Credit Report Act Section 1681b ( c ), constituting fraudulent activity and a serious breach of my privacy rights.

**Verification and Documentation Request : ** I request JEFFERSON CAPITAL SYSTEMS LLC to validate the information listed in the credit profile mentioned above. Please provide copies of any documentation associated with these accounts bearing my signature, authorizing an account. Additionally, I demand the production of a contract between JEFFERSON CAPITAL SYSTEMS
LLC and me, the consumer, bearing my signature, showing that I gave permission to furnish any information on my behalf.

**Immediate Deletion of Fraudulent Inquiries : ** In the absence of documentation bearing my signature, I formally request that these fraudulent inquiries and the associated delinquent account be immediately deleted from the credit file maintained under my Social Security number by JEFFERSON CAPITAL SYSTEMS LLC .

**Compliance with FCRA : ** JEFFERSON CAPITAL SYSTEMS LLC is obligated to complete this investigation within 30 days, as per the Fair Credit Reporting Act Section 611. I expect full compliance with the FCRA and timely resolution of this matter. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into JEFFERSON CAPITAL SYSTEMS LLC actions and ensure that corrective measures are taken promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: PA

Complaint narrative:
In the course of reviewing my credit report, I spotted erroneous and fraudulent accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I used Affirm on XX/XX/2023 to finance a cruise with XXXX XXXX for a total of {$3800.00}. I had to cancel the cruise because my wife was not able to renew her expired passport. I called Affirm 3 times before I canceled to make sure that I was going to get all the money I paid them back and the 3 times they assured that I would get everything back including any fees accrued. In fact, they owe me around {$220.00} and they are now claiming that I owe them {$200.00} of finance charge. This is a company has horrible review of ripping customer off and misleading them with finance charges. I have used them 4 times before and I have never had any problems with them. I have spoken to them several times and of course they are being uncooperative and refusing to refund what it is owed to me. They are also now reporting me to the credit agency as a derogatory account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent letters over and over again to Transunion to please open my credit file so that I can see it, I have yet to do so. I am not able to view my credit report with TransUnion. I ask the CFPB to please ask TransUnion to open my credit file but they have flat out refused. Each time I go through all the steps it tells me at the end they can not do my request at this time This is plumb crazy. They have flat out refused to open my credit 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 explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: CA

Complaint narrative:
I applied for a payday loan ( so I thought ) expecting a small interest on an {$800.00} loan and thought I was paying {$140.00} a month until payoff but have realized I am paying {$140.00} per week for 1 year on a {$800.00}. {$570.00} per month for over a year to pay {$800.00} back This was a scam and now I am going in debt because of the withdrawal weekly coming out my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Is a medical debt that occurred on an XXXX  XXXX at XXXX XXXX in XXXX, Alabama on XXXX XXXX XXXX XXXX XXXX. I filed due to my status as a XXXX XXXX. I filed a financial assistance application at the latter part of XXXX and it states that if information was not sent in by XXXX XXXX XXXX XXXX. It would be forwarded for further collection activity. I received the text XX/XX/XXXX at XXXX XXXX which is XXXX days prior to deadline. I had already found as I said. Earlier the forms for financial assistance. The letter sent from XXXX XXXX was dated XX/XX/2024. I didn't receive it until XXXX XXXX XXXX 
XXXX. I have made numerous attempts in payments on this debt. And every time I do what is requested of me there is a pushback. It seems to be a pattern. It seems to be intentional. The information that the requested for to financial assistance application was provided to them. I even provided them personal information about being a XXXX veteran of XXXX XXXX XXXX XXXX. And that I am a XXXX XXXX. And I am part of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd they refused all that information. I also have XXXX XXXX XXXX XXXX XXXX. This is the second time this company has used these intimidation tactics concerning a doctor bill. 
The previous doctor bill was paid by my insurance. And they still Intentionally made that difficult. This company is called Holloway credit solutions XXXX. The phone number is XXXX and I'm concerned about a possible violation of the fair debt collections practices act, 15 U.S.C 1692. I contacted there corporate office to no avail. I have insurance and there's no reason to be threatened and harassed about a doctor 's bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. XXXX and XXXX and Equifax have violated my rights, and they violated the law, 15 USC 1681. I have written on many occasions asking them to fix the issue or delete the following due to inaccurate reporting. its reporting a balance on a paid off account and they have failed to delete or update the account. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 2024-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had a fraud charge to my claim while I was at work, my card was used for XXXX XXXX I called to get it resolved and was told I needed to submit a fraud claim, which I did. In the XXXX XXXX  my claim was denied and I dont know why. I submitted my police report and other supportive documents. It has been since XXXX and I have yet to hear anything back. On the pamphlet it states claims will be resolved with in 120 days it is well over 120 days and no one at navy federal has any information. Its like they want me to forget about my hard earned money. I have no trust in navy federal at this, which is a bummer because Ive always heard great things about them. I need help recovering my fund from this establishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
This is not the first time this has happened but this is the most recent. I received an American Express gift card for {$500.00} the beginning of XX/XX/year>. I have tried MANY attempts to use it to purchase things I need online with a constant DECLINED message from all retailers. Each time I attempt to use the card, and it is declined, the AMEX website SHOWS that the card was attempted to be used and deducts {$0.00} from my balance as a hold. So now instead of having {$500.00} to use, I have {$490.00} or {$490.00} etc... This then makes it extremely difficult to even ATTEMPT to use because if I try to use it for a set amount the balance available is constantly changing and I am losing money I could use on a purchase. I have tried purchases on websites like XXXX and XXXX, I have tried purchases for groceries online, I have tried buying gifts just to get it used and nothing works. I am tired of trying to spend money just for the sake of spending money, as the purpose of a giftcard such as this should be to use it for something I actually want to purchase without such difficulty. This is an absurd practice. I have called Amex and their solution was to wait 14 days for the giftcard to be " unlocked '' if multiple declines were occurring. I have waited. It still doesn't work. I have looked up multiple solutions online and there are a ridiculous number of complaints that are the same as mine, spanning YEARS. Amex gift cards are a waste of consumers money and more trouble than a gift receiver deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: OH

Complaint narrative:
Please verify and validate debt : 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 I trust this letter finds you well. I am requesting verification of the alleged debt, specifically, a copy of the original purchase agreement.Please be aware that the agreement must be with original creditor and signed by all parties involved. I am requesting this because I've had other agencies reach out to me in regards to the same debt. Also I kind request that you also send the following : 1.Verification of the original creditor, XXXX XXXXXXXX2.Detailed proof of the amount owed, encompassing any fees, interest, or additional charges.3.Clear documentation establishing XXXX XXXX XXXX to collect this debt.4.Copy of The DEBT Purchase AgreementI am also requesting deletion of all prior reporting made to any of the consumer reporting agencies i.e. XXXX, XXXX, Transunion, XXXX, etc. Please cease all collection efforts until this allegeddebt is validated as accurate and complete.Thank you for your cooperation in this matter.

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 2024-02-23 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: ALLIANT CREDIT UNION
State: DE

Complaint narrative:
Complaint Regarding Alliant Credit Union 's Refusal to Comply with Opt-Out Request Dear Sir/Madam, I am writing to file a formal complaint against Alliant Credit Union regarding their failure to comply with my written request to opt out of certain information sharing practices, as per my rights under 15 USC 6802. I submitted my written request to opt out to Alliant Credit Union on XX/XX/2024, which is well beyond the requisite 30-day notice period stipulated by the law. 

Despite having provided ample time and adhering to the statutory requirements, Alliant Credit Union has blatantly refused to honor my request. Their refusal to comply with the legal mandate outlined in 15 USC 6802 not only infringes upon my privacy rights but also demonstrates a clear violation of federal law. 

I have made diligent efforts to resolve this matter directly with Alliant Credit Union, including multiple attempts to communicate my concerns through various channels. However, their persistent refusal to acknowledge my rights and adhere to federal regulations necessitates the intervention of an authoritative body such as the Consumer Financial Protection Bureau. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement action against Alliant Credit Union for their non-compliance with 15 USC 6802. Additionally, I seek your assistance in ensuring that Alliant Credit Union promptly adheres to my opt-out request and ceases any further unauthorized sharing of my nonpublic personal information. 

Enclosed with this complaint, please find copies of all relevant correspondence, including my original opt-out request to Alliant Credit Union XXXX 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will undertake a comprehensive investigation and enforce the necessary actions to rectify this egregious violation of consumer rights. 


Enclosures : 1. Copy of original opt-out request

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CO

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 2024-02-23 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: IL

Complaint narrative:
FCRA 605B indicates that incorrect accounts need removal from credit reports. Please review the documents ; some accounts are inaccurate on my report, causing distress and discomfort.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
There are multiple mistakes listed from XXXX XXXX XXXX on my reports. I would like to have these " late '' Payments removed under the truth in lending act. On XXXX, it shows late payments in XXXX and XXXX of XXXX for 30 days late each... As well as in XXXX and XX/XX/XXXX for 30 days late. On Both XXXX and XXXX, it list 60 day late payments in XXXX and XXXX of XXXX, which doesn't make sense to be 60 days late in both months. It also shows 60 days late in XXXX and XXXX of XXXX, but paid on time the month before. These should be removed from my credit report for falsely reporting late payments inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
I called Jefferson Capital Syst XX/XX/2024 to discuss a Derogatory Account that was placed on my credit XX/XX/2024. After waiting 30 minutes on the phone XXXX answered. He alerted me that this conversation is being recorded, he read me the collect debit memorandum, and then ask me the reason for my call. I explained to him that Jefferson Capital placed an account that shouldn't be there. He then asked for my date of birth I complied. XXXX then informs me that they don't have an account like that with my name attached to my birthday, I explained that you're correct it's not mine. Apparently, he could no longer help me, and it seems that because he couldn't find it, he was lost, and had no clue as to how to help me. 

Derogatory marks XXXX XXXX collections / XXXX public records Fair Rating High Impact Learn more about ratings Based on your credit report information from XXXX on XX/XX/2024. 
We noticed negative marks on your report Derogatory marks generally stay on your report for XXXX years, but their effects can start to fade over time. 
Karma Pro Tip The federal Consumer Financial Protection Bureau has excellent resources for dealing with debt collection. 
Collections JEFFERSON CAPITAL SYSTEM Opened XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief