vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: TN

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-05-22 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: NY

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my 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 2024-05-22 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: GA

Complaint narrative:
Credit bureau did nothing to address my dispute below. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. This name XXXX XXXX is incorrect please remove it from my credit report immediately. 

INACCURATE REPORTING XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX IN, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 

XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.

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 2024-05-22 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: GA

Complaint narrative:
Credit bureau did nothing to address my dispute below. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX This personal information is incorrect, please remove it from my credit report immediately. 
XXXX. This name XXXX XXXX is incorrect please remove it from my credit report immediately. 

INACCURATE REPORTING XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXXXXXX XXXX XXXX Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX XXXX IN, Account # XXXX account is being reported inaccurately, please remove it from my credit report immediately. 

XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX, XXXX This inquiry was not authorized, please remove it from my credit report immediately. 
XXXX. XXXX XXXX XXXX This inquiry was not authorized, please remove it from my credit report immediately.

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 2024-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
I was contacted by First Point Collections on XX/XX/year> by phone, I didnt pickup but was left a voicemail stating to call them back, I unfortunately wasnt able to call them back till the Weds XX/XX/XXXX, I was told by a very rude representative that I had a debt and that I needed to pay this at a discounted price, if I didnt pay the settlement amount I would be taken to court and sued and I would have to deal with a judge then, she had all my information, social security number, an old address that was used for the loan, and something that didnt make sense, an expired drivers license number from a different state I had. I tried explaining to the representative that this was not me but she wasnt having it and just wanted me to pay the settlement, I tried asking her for more info about the debt but she refused to really give me any information expect to wait for the summons to appear in court and that I would have the information from that. Well I said fine and hung up, after that I did some research and realized that the payday loan cap in California was {$300.00} and in Michigan where my used drivers license number was used, the cap is {$600.00} there, and that was the loan amount the collections said I owed. Also they wanted a settlement offer of {$400.00} to considered the case settled, I managed to get the total debt amount which was {$920.00} but the original loan amount was {$600.00}. I tried calling a few days later to try and get more information about the debt but was told by the representative he wasnt going to help me or give me any information in helping me in getting my claim declaimed and identity theft, so I am now just filing this and I guess I will wait for the summons to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to place an order on XXXX 's website using Afterpay as the payment option. The website experienced a glitch and the order was never processed. My bank account was charged even though the order never went through, as many others on the XXXX XXXX XXXX site have reported. After repeatedly sending Afterpay staff requests for refund, Afterpay 's customer service has been totally nonresponsive and has yet to refund the charge to my bank account. There are hundreds of complaints online about Afterpay from consumers who have experienced the same thing and who also have great difficulty getting Afterpay to refund their charges. Afterpay was provided with multiple screenshots from XXXX managers ' emails demonstrating that the order was never processed, and they have still not responded to my request for refund. Reports have also been filed with the Attorney General 's Office in CA as well as with the XXXX XXXX XXXX XXXX XXXX XXXX, which previously required Afterpay to pay a {$900000.00} settlement for illegal loan practices in XXXX. It is clear that Afterpay does not believe that Federal or State loan requirements apply to their company, as they have denied hundreds of consumers refunds for orders never placed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
There are XXXX accounts on my credit report that are not authorized and do not belong to me. 

XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$470.00} XXXX  XXXX Account Number : XXXX XX/XX/XXXX {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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:
There are XXXX accounts on my credit report that are not authorized and do not belong to me. 

XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXX {$470.00} XXXX  XXXX Account Number : XXXX XX/XX/XXXX {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: CA

Complaint narrative:
There are 3 accounts on my credit report that are not authorized and do not belong to me. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX {$470.00} XXXX XXXX Account Number : XXXX XXXX {$300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear To Whom it may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting. 
2. Verification of their claim against I ( XXXX XXXX XXXX ) : that is, a signed Invoice. 
3. A copy of the contract binding between you and me in a letter by certified mail. 
4. Full disclosure because I was not told that I was creating the credit with my wet ink signature. 
5. Equal consideration because you as the creditor brought nothing of value to the table. Lawful Terms and Conditions. 
6. Wet ink signatures between you and me. 

15 USC 1692a-5 ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-05-22 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: KY

Complaint narrative:
XXXX XXXX XXXX is violating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with XXXX XXXX XXXX and I have never signed any contract with that company either.

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 2024-05-22 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: KY

Complaint narrative:
XXXX XXXX XXXX is violating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with XXXX XXXX XXXX and I have never signed any contract with that company either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX is violating my rights by placing information on my credit report that is inaccurate. I have never done any business with any company that is associated with XXXX XXXX XXXX and I have never signed any contract with that company either.

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 2024-05-22 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: TX

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 2024-05-22 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: TX

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 2024-05-22 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: GA

Complaint narrative:
In the terms and conditions of XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, they agreed not to share my information with non-affiliates. XXXX, TRANSUNION, and XXXX are not affiliates of the aforementioned companies, nor are they bureaus. The only true credit bureau is the CFPB, which does not furnish consumer reports as stated in federal law. I have a right to privacy, and per the Privacy Act of 1974, as a federally protected consumer, I am now rescinding and revoking any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 5 U.S. Code 552a. Furthermore, per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 15 U.S. Code 6802.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the terms and conditions of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they agreed not to share my information with non-affiliates. XXXX, XXXX, and EQUIFAX are not affiliates of the aforementioned companies, nor are they bureaus. The only true credit bureau is the CFPB, which does not furnish consumer reports as stated in federal law. I have a right to privacy, and per the Privacy Act of 1974, as a federally protected consumer, I am now rescinding and revoking any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 5 U.S. Code 552a. Furthermore, per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations I may have given, whether written, non-written, verbal, or non-verbal, per 15 U.S. Code 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC.
State: MN

Complaint narrative:
I received an unknown call today, XX/XX/year> at XXXX from XXXX so I didn't answer the call and the following voice message was left with me : " This is not a solicitation. Please listen to this message in its entirety. I am contacting you in reference to certified documents that has been sent out to the address and have come back undeliverable. This is the third and final attempt to notify you regarding this matter at this time, our firm will initiate a cease and desist on all contact, and they will note this as a verified attempt to reach you and proceed with the original course of action. To speak to your case manager, you can contact our office at XXXX or you may press one to speak your case manager now. If there is no response, they again will continue without your participation, press one now.. '' I called the number XXXX and was connected with a person that said they were attempting to collect a debt I owed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX They told me I could settle the debt for less today for around {$700.00} instead of paying the original amount ( around {$900.00} and some change ) and higher added attorney fees with court proceeding that will follow for over $ XXXX. He asked me to confirm my address and the last 4 digits of my ss # but I declined giving them any payments or any of my bank account information. I asked them to email me the offer but no email was received from the said company. 

I feel this was is a scam to collect my personal and financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TX

Complaint narrative:
I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this 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 non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm is reporting to XXXX that my loan is 60 days late when the account is paid in full.

Company response to consumer: Closed with explanation