vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 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: AL

Complaint narrative:
I recently just tried to purchase a house and was denied because of unauthorized inquiries on my credit report and its stopping me to aquire credit which means its stopping me for buying a home this matter has been stressful and depressing I am now homeless and need these inquires off my credit report Inquiries : 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 XXXX 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 2024-02-24 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: AL

Complaint narrative:
I recently just tried to purchase a house and was denied because of unauthorized inquiries on my credit report and its stopping me to aquire credit which means its stopping me for buying a home this matter has been stressful and depressing I am now homeless and need these inquires off my credit report Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
Jefferson Capital System LLC has listed on my credit report, the following information : XXXX XXXX  with the Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$910.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$910.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$910.00} Highest balance {$0.00} In accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to privacy and confidentiality under the FCRA. 

Jefferson Capital System LLCXXXX XXXX {$910.00} This account is being reported inaccurately and has violated my rights according to the following laws : 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. States : A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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. 

15 U.S.C. 1692e States : ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CARD Corporation
State: IA

Complaint narrative:
I received a prepaid card.com visa debit card in the mail with my name on it. I did not order this card, I tried calling customer service, and it asks for my full Social Security number, which I am not entering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: NJ

Complaint narrative:
On XX/XX/XXXX my Venmo account was frozen upon signing up due to Identity verification reasons. It took days to weeks to get a response on why my account was frozen and a proper reason was still not disclosed. 

My account had still been frozen for a few years and when I reached out on XX/XX/XXXX, I did not recieve a response or verification that my information was received. Upon contacting Venmo support on multiple occasions, any call for assistance was ignored or constantly pushed back. From a response in 24 hours turned to 8 days to now 10-15 days before I could even hear back from the account specialist.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX, I received the following text message : FreeMsg : BMO Fraud Ctr : XXXX Case XXXX Did you attempt {$100.00} at XXXX XXXX # XXXX with card XXXX? 
I immediately replied NO, and called the fraud department. At that time, there were 3 charges not made by me on hold : 2 for {$100.00} to XXXX XXXX XXXX, XXXX and another for {$2100.00} for XXXX - XXXX Online Order. 

I told the Representative I am in CA and have my card in my possession and those charges are fraudulent. She immediately closed my debit card. 
She then said I would have to wait until Tues to see if the charges would clear my account. Meantime, the funds are frozen. ( Total of {$2300.00} ). 
Tuesday morning one XXXX XXXX charge cleared my account and the XXXX charge remained on hold with the new transaction date of XX/XX/XXXX. 

XX/XX/XXXX it remained on hold, with the new date XX/XX/XXXX transaction date. 

XX/XX/XXXX it remained on hold, with the new date XX/XX/XXXX transaction date. I went into the branch this day and they said there was nothing they could do, and we would have to wait for the transaction to process. 

Today is XX/XX/XXXX and the funds of {$2100.00} remain on hold and noone can tell me why/how the charge keeps moving days, nor when it will clear or reject. 

How can a bank hold my funds XXXX when I immediately told them the card had been compromised and it was closed? I will have been without access to my funds for 10 days if this resolves by Monday. If not, do I just keep on waiting?? 

This is unacceptable practice for a financial institution and I would like this matter resolved 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 2024-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: AR

Complaint narrative:
The is a debt collection company by the name of LOCKHART MORRIS & MONTGOMERY who parked multiple alleged debts on my consumer report without ever contacting or notifying me. I, XXXX XXXX do not know where this debt came from. This company is reporting 2 of the same accounts which is a violation of 15 USC 1681s-2 and 15 USC 1692d ( 1 ). The debt collector is reporting a total of 4 account outside of compliance with the FDCPA.They have violated my rights because I was never given the opportunity to dispute the debt, I did not receive any disclosures, and they are damaging my reputation. This company is violating both the FCRA and FDCPA. This is deceptive and abusive behavior. This company is violating privacy rights and is potentially committing fraud per 18 USC 1001 for reporting unvalidated debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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 or around XX/XX/XXXX, I attempted to make a purchase from XXXXXXXX XXXX XXXX  online which gives the consumer the option to use XXXX  as an option for payment. XXXX is also affiliated with Affirm. At the time of the transaction, I was eligible to spend XXXX. The purchase amount was for around XXXX. At checkout, I chose XXXX for the payment option. I went through the checkout procedure and was requesting the items be shipped to a family member as it was a gift, and their address is not mine. Mind you, my Affirm account is only registered to me at my mailing/billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Needless to say, the transaction was declined from XXXX. I received a notification from Affirm telling me that the installment loan was declined because they couldnt verify my identity. The notification was addressed to the family member- XXXX and not me. First of all, the family member doesnt have an affirm or XXXX account. Therefore, I contacted Affirm by email inquiring about the declination. And to let them know that they had the consumer name wrong for the installment loan application. Affirm basically told me that they couldnt do anything about it and that I would need to wait 7 to 10 business days for any updates to be corrected on my account. As a result of this transaction being denied, my spending limit went from XXXX to XXXX even though I didnt have a loan to repay or merchandise to show for the decease in spending limit. Affirm told me their system only updates every 7 days. Meanwhile, Ive never been delinquent on any installment loan or late on a payment. Today, XX/XX/XXXX, i use their app to change my online password to my account which I do once a month. However, today I was locked out of my account and have no access. I called Affirm immediately and was told they cant do anything on their end for technical issues and I can call them back in 5-7 days for any updates. I would like access to my account, I would also like for them - XXXX  affirm to fix the loan status and fix the loan application so that it doesnt affect my credit being that my name is XXXX XXXX XXXX not XXXX who was going to be the recipient for the order. In addition to, I would like affirm to adjust and correct my spending limit to the restored amount. And, I would like notification sent to me that my account is in good standing and that payments on all loans have been accounted for in the last 30 days effective XX/XX/XXXX to present. Its very inconvenient that Im being punished for the glitches in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
This company promised XXXX XXXX that they would have a way to increase their withdrawal limits through this form. They continue to reject or prolong the process beyond the 7 business day timeline specified in order to extract fees from the creditors. The ability of creditors to withdrawal their cryptocurrency is one of the reasons why PayPal was selected in their contract as a Distribution Partner for XXXX They are violating their agreement as a Distribution Partner. 
In the response to my complaint, they state that my withdrawal increase application was approved but that isn't true. I was never able to withdrawal more than {$10000.00} per week in cryptocurrency. After being told for the second time that my withdrawal increase application was rejected for an unspecified reason, I gave up and sold my cryptocurrency on the platform with the transaction fees they stated. If they followed their contract with XXXX, I wouldn't have had to pay this amount in fees and have a taxable event. The amount of fees they stated is not correct. They did not include spread. Below are the total fees including the spread. 
XX/XX/XXXX, XXXX XXXX CT XXXX XXXX sold Price : {$2900.00} Stated Price : {$2800.00} Cost of Spread : {$400.00} Total Fee : {$940.00} ( XXXX % ) XX/XX/XXXX, XXXX XXXX CT XXXX XXXX sold Actual Price : {$51000.00} Stated Price : {$51000.00} Cost of Spread : {$230.00} Total Fee : {$590.00} ( XXXX % ) I have proof that they never approved my request in the attach images ( rejected it three times without reason ). On the second rejection, they rejected my application on XX/XX/XXXX suspiciously 30 minutes after I mentioned that I submitted a complaint to the CFPB. The third time was on XX/XX/XXXX without reason. The same day they stated that they approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account number ending in # XXXX, has violated my rights.

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

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 2024-02-24 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
BMW FINANCIAL SERVICES improperly triplicated hard inquiries to XXXX for a single lease operation, instead of using the same inquiry for XXXX. XXXX. 
On XX/XX/XXXX, XX/XX/XXXX and XXXX BMW Financial Services pulled my credit report 3 times for a single lease. This was expressed in advance to the two different BMW dealers with which I was negotiating.

The authorization was for a single lease agreement, and once in their possession, the company could use it for a single or multiple deals, without damaging the client. Different banks have been already raising the variable rates due to excessive multiple inquiries on my report. Pursuant to the Fair Credit Reporting Act rules I demand removal for two out of the three hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Messerli & Kramer P.A.
State: ND

Complaint narrative:
On XX/XX/XXXX I sent a letter to dispute the amount and if the debt is mine on my XXXXXXXX XXXX XXXX. The 1sXXXX time Messerli @ Kramer PA from XXXX, MN that I just got XXXX  with XXXX  XXXX XXXX XXXX XXXXXXXX XXXX during the time frame between XXXX til XXXX I was XXXX  with complete XXXXXXXX XXXX XXXX  lasting months at a time. XXXX closed my account around XX/XX/XXXX. When Messerli called the XXXX time sometime in XXXX I told them about my XXXX XXXX XXXX and I was having complete XXXX XXXX  episodes. I don't remember using my credit card at all in XXXX and XXXX. When they called the XXXX time i explained the situation to them. They said it's all your debt. from all reviews on line it appears Messerli @ Kramer PA is very aggressive and effective in collecting debt. I just need some help, it feels like they have no conscience about how they collect the debt, as long as they get the money by any means possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: OR

Complaint narrative:
Cash App. I DID NOT OPEN AN ACCOUNT. This outfit signed me up for a card and account. I have complained and they will not close the account. They sent me a debit card today. I posted this with the XXXX XXXX that was evidently used to create this account. I could tell from the email trial that it was used. 

I have no idea who, but someone opened a Cash App account in my name. I discovered that, apparently the day it happened and wrote to XXXX and ash App about it. Today, several weeks after this, a debit card arrived. I immediately tried to call Cash App.no one answers their customer service phone number. I looked up a number and called that XXXX. I explained what had happened and he refused to close the account or freeze it. Then, he told me this sort of thing happens all the time! I recorded that call, so I can provide that to the FTC and FCC about XXXX featuring this App when they full well know an account in my name was fraudulently created. Who knows if someone did this as a joke or if some fraudster is racking up charges in my nameor you name. Shut this outfit down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
XXXX XXXX XXXX improperly triplicated hard inquiries to Transunion for a single lease operation, instead of using the same inquiry for XXXX. XXXX. 
On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX pulled my credit report 3 times for a single lease. This was expressed in advance to the two different XXXX dealers with which I was negotiating. 
The authorization was for a single lease agreement, and once in their possession, the company could use it for a single or multiple deals, without damaging the client. Different banks have been already raising the variable rates due to excessive multiple inquiries on my report. Pursuant to the Fair Credit Reporting Act rules I demand removal for two out of the three hard inquiries.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> Consumer Financial Protection Bureau Dear CFPB Team, I trust this letter finds you in good health. I am writing to bring to your attention several concerning violations of the Fair Credit Reporting Act ( FCRA ) committed by Equifax, a prominent credit reporting agency. 

On XX/XX/year> a Bankruptcy Removal Letter was Equifax informing the credit bureau of the unverified Bankruptcy on my credit profile.

Per the FCRA 623 ( a ) ( 5 ), it is explicitly stated that If the Credit Bureau can not validate the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Despite repeated attempts to validate the information regarding a bankruptcy on my credit report, Equifax has failed to provide evidence of validation from the original creditor, thus violating this provision of the FCRA. 

Furthermore, as outlined in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Equifax is legally obligated to verify all accounts and public information posted on any individuals credit report. This verification process should include physical verification of the original signed consumer contract and/or judgments. However, it appears that Equifax has neglected to fulfill this obligation, resulting in the dissemination of unverified and potentially inaccurate information regarding my financial history. 

These violations have had adverse effects on my financial standing and have hindered my ability to access credit and other financial services. Therefore, I respectfully urge the Consumer Financial Protection Bureau to investigate these matters thoroughly and take appropriate measures to ensure XXXX compliance with the FCRA. 

Enclosed with this letter are supporting documents relevant to my case for your review and consideration. 

Thank you for your attention to this urgent matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: MS

Complaint narrative:
In XX/XX/year> I received a loan from XXXX XXXX XXXX that same month I filed a XXXX XXXX bankruptcy & included them in the bankruptcy as well as provided them verifiable documentation from my attorneys office informing them that they had been included in the regular bankruptcy and amended bankruptcy ( XX/XX/year> ). XXXX XXXX did not not honor the documentation that had been submitted via email. Every time I contact them they've given me the run around and refuse to update the credit bureau 's of the status of my account. They have my account listed as delinquent 90 days when it should be charged off included in XXXX XXXX bankruptcy. They are the ONLY company that has given me a hard time.

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