vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I deposited my entire savings of {$XXXX} into an Affirm high yield savings account On XX/XX/XXXX. On XX/XX/XXXX I noticed it was frozen and called to unlock the account. Was told it would be 3 - 5 business days to talk to someone. It is now XX/XX/XXXX and no contact from Affirm has been attempted via email, mail, or phone and I still do not have access to my money. My money has be stolen by Affirm. 

I completed the onboarding process of showing my ID and taking photos of myself etc. I received an email on XX/XX/XXXX asking me to do the same thing again. I attempted to click the link and complete it, and it looked as if it was already completed not allowing me to do it again. The same answer is given each time of someone will call you back or email you in 3-5 business days and that they are escalating the issue. There is no one that can discuss your account with you or a branch to go to. This screams fraud or scam and no one should ever put their money in an AFFIRM SAVINGS ACCOUNT. There are several more reports like mine of people waiting months or worse to get access to their own money on this site and other sites. 

I have called on the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
I urgently implore you to promptly remove the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please address this error without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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:
I urgently implore you to promptly remove the unauthorized accounts from my credit report, as they were not authorized by me and are causing me significant distress. Please address this error without delay.

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 2024-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] Consumer Financial Protection Bureau [ Address ] [ City, State, Zip Code ] Subject : Violation of Consumer Rights by Collection Agency Dear Sir/Madam, I am writing to bring to your attention a serious issue regarding a collection placed on my consumer report by [ Collection Agency Name ]. Despite repeated attempts to obtain validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has failed to provide any such validation.

Furthermore, I have not been afforded the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( D ). This lack of due process directly violates my consumer rights and places me at a significant disadvantage. 

It is evident that [ Collection Agency Name ] is engaging in deceptive and misleading practices by reporting this collection without providing the necessary disclosures required by law. Their actions are in direct violation of 12 CFR 1006.34 and 16 USC 1681-S, which clearly outline the obligations of collection agencies regarding consumer reporting. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against [ Collection Agency Name ] for their blatant disregard of consumer rights. Additionally, I request assistance in rectifying this erroneous collection from my consumer report and preventing any further harm to my financial standing. 

Enclosed with this letter are copies of relevant documentation supporting my claims. 

Thank you for your attention to this matter. I trust that the CFPB will take swift action to address this violation and ensure that consumers are protected from such unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Credit reporting is 7 years from the date of first delinquency! 

My student loans first delinquency date is XX/XX/2017. 

The accounts are past the statue of limitations and needs to be deleted from my credit report immediately. This is a violation of the FCRA. 

Account : Dept of ED/Nelnet Account : Dept of ED/Nelnet Account : XXXX XXXX of 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 explanation
Consumer complaint received 2024-03-29 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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2024-03-29 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: NY

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 XXXX XXXX XXXX. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I believe FCRA XXXX mandates the elimination of any erroneous accounts from my credit report. Can you verify the paperwork? Some of the mentioned accounts are erroneous concerning the 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 2024-03-29 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: NE

Complaint narrative:
The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in XXXX XXXX XXXX ( XXXX ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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:
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 2024-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
I have been attempting to get my XXXX XXXX from my mortgage lender ( XXXX XXXX XXXX ) corrected for the past 2 months. The 1098 incorrectly states that I paid {$XXXX.00} in interest for my home mortgage in XXXX. My XX/XX/XXXX statement shows that I have paid {$XXXX.00} in interest. I contacted my lender 's customer service on XX/XX/XXXX and was told they would look into this and request a correction. However, I received no correction and no follow up. I called them back on XX/XX/XXXX and was told that the reason the interest on my XXXX XXXX was incorrectly low was because they had sent me an incorrectly high XXXX for XXXX. 
I received XXXX, XXXX XXXX from my lender and they all showed different amounts of interest paid. The first was sent on XX/XX/XXXX with an interest paid amount of {$XXXX.00}. The second was sent on XX/XX/XXXX with an interest paid amount of {$XXXX.00}. The third was sent on XX/XX/XXXX with an interest paid amount of {$XXXX00}. Because the first was the only one of these forms that arrived before tax day ( XX/XX/XXXX ), this is the one I reported on my XXXX taxes. 
I explained this to XXXX XXXX Customer Service and was told to submit a copy of the page from my XXXX taxes showing the interest I claimed. I sent this to their research department along with a copy of my 1098 from my previous lender ( XXXX  ) showing how much interest I had paid them before I refinanced the mortgage in XXXX of XXXX ( {$XXXX.00} ). I did not hear back in the next month, so I began contacting XXXX XXXX again, only to be told that their research department had concluded that no correction was warranted. I have repeatedly asked to be called by someone in their research department so we can walk through the numbers and either I can understand what they're doing, or they can understand the mistake they've made and correct my 1098. I have never received a call back from XXXX XXXX bank in the two months I've been working on this problem and their research department seems to only send out form letters saying that no correction is warranted. 
Please help. I am trying to resolve this issue before my taxes are due in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX stole money from me. XXXX chose the method for payment for the shoes. I do not know XXXX -- he is not a family or a friend. When payment was made for shoes using my credit card, it was done by a XXXX  ( a XXXX XXXX XXXX ). The XXXX did not chose the method of payment. XXXX XXXX sent him a link to make the payment for the 100 pairs of shoes. He can not try to hide the behind the payment method he chose for the shoes. 

This transaction is a fraud in the inducement : ( XXXX ) XXXX tricked a XXXX XXXX XXXX ( who can not legally enter into a contract ) into using a payment method for which he was not authorized and ( 2 ) XXXX never had an intention of sending shoes. 

I contacted American Express XX/XX/XXXX and they are rebilling me for the charges. I NEVER received the merchandise. AMerican Express should not make me pay for items not received. 

AMerican Express has become a co-conspirator in the fraud being perpetrated by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: FL

Complaint narrative:
These requests are not approved by me and are irrelevant to my monetary exercises. I demand their prompt expulsion 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 2024-03-29 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: GA

Complaint narrative:
During the months of XX/XX/XXXX ' and XX/XX/XXXX my mortgage was deemed late via XXXX XXXX. My bank had a glitch within the bill pay system. As you can see I haven't been late since or before.

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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
During the months of XX/XX/XXXX ' and XX/XX/XXXX my mortgage was deemed late via XXXXXXXX XXXX. My bank had a glitch within the bill pay system. As you can see I haven't been late since or before.

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 2024-03-29 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: MI

Complaint narrative:
I urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: IL

Complaint narrative:
I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence dated [ date of previous letter ], I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.

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 2024-03-29 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: OH

Complaint narrative:
XXXX XXXX XXXX The company has not provided the authorized agreement creating the debt which is required to collect on a debt XXXX XXXX. Therefore if there was no agreement in place validating the debt, That means I have no contractual agreement to pay them an alleged debt Under 15 US Code 1692f ( 1 ). Unfair Practices please delete this account 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 non-monetary relief
Consumer complaint received 2024-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I believe the account is invalid. LVNV FUNDING LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.LVNV FUNDING XXXX and LVNV FUNDING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-29 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: NC

Complaint narrative:
RE : Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : Your company is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- XXXX XXXX acct # XXXX - XXXX XXXX acct # XXXX AND acct # XXXX - XXXX  XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : Your company DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive, and your company never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : Your company has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so Your company doesnt even know if these accounts are accurate, but yet Your company reported this inaccurate information. Also, XXXX company reported that I owe a debt, but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave Your company any written consent to report anything on my consumer reports no consent is identity theft If the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support Your company reporting the above-mentioned accounts and inquiries. If Your company is unable to provide proof, PLEASE DELETE above accounts and attached inquiries. 



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 2024-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
It addresses listed that Im not familiar with Z the address that recent is XXXX XXXX XXXX And The Recent One From 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 2024-03-29 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:
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 explanation