vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 or 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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
To Whom It May Concern : I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. TransUnionXXXX 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, I do not recognize these inquiries and did not authorize them.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report. I've already disputed these items but the bureaus didn't remove them, nor prove validation. 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 2023-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marcadis Singer PA
State: FL

Complaint narrative:
I received a letter from Marcadis SInger, PA Attorneys at Law claiming that I owe a debt for XXXX XXXX XXXX. This my first time having this communication from this attorney office. Ive already sent off a validation to XXXX XXXX XXXX on XX/XX/2022 about this alleged debt. I havent heard from XXXX XXXX XXXX nor Marcadis Singer, PA until now. The certified letter with tracking # XXXX to XXXX XXXX XXXX and it was delivered XX/XX/2022 at XXXX. Ive also sent a validation of debt to Marcadis Singer, PA attorney at law about this same debt ( tracking # XXXX ). Which is now in transit to the attorney office. It been almost a year from the first time communication from XXXX XXXX XXXX. Additionally, I am allowed 30 days to dispute the validity of the debt. If you are unable to provide me with proper proof, then you must stop attempting to collect this alleged debt. 
If you continue to claim I owe a debt that you can not confirm with proof then you will be in direct violation of the FDCPA 15 USC 1692g. Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I ordered a dinning table from XXXX. It got delivered to the incorrect address. When I called affirm so that they can help me I was directed to XXXX. When I spoke to XXXX the told me to file a dispute with my bank and reorder. I followed the instructions. The second time I ordered the same Item it never arrived. When I called affirm again, they told me to call XXXX. When I called XXXX they told me to speak to affirm. When I called them again a nice lady was able to take her time and dig deep. She saw where I was instructed to file a dispute with my bank and she " updated '' my account and informed me there would be an investigation. I waited a couple of weeks before I called again and when I did the rep I spoke to has no idea what was going on. It wasn't until a couple of weeks after when I called and threaten to involve attorneys that they closed the case and and confirm I never received any items. about a month after that I received a notification from expiring stating that my score was deducted XXXX points because affirm shows my account as 60 days late. I called and asked them to fix it they said they couldn't. This is inaccurate my payments weren't late because I was going to pay for duplicate items I didn't received. I kept an open line of communicate. I'm asking for them to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report. 
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  This accounts are fraudulent and should be removed immediately from my consumer report.

This is a violation of my rights under 15.USC 1681 .

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT. That you did not verified as required by law on my consumer report. 
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  This accounts are fraudulent and should be removed immediately from my consumer report. 
This is a violation of my rights under 15.USC 1681 .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, 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: TN

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for purpose.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for purpose.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: MO

Complaint narrative:
In accordance with The Fair Credit Report Act XXXX XXXX Discover and XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
I have no knowledge of ANY inquiries on my credit report. I have contacted every single one on my credit report ( s ) and have advised them that I did not have any knowledge nor did I approve of any of the inquiries. I have tried to resolve this for months and still no results of removal. they all need to be REMOVED ASAP. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Central Mortgage Funding, LLC
State: FL

Complaint narrative:
XX/XX/2022, I had refused to sign the as the loan cashout was reduced from XXXX to XXXX from initial disclosure to final disclosure respectively. 

I had accepted to sign the loan only after the mortgage officer pleaded with me to sign the documents on phone while in closing event after the closing agent who had come to my home called the loan officer as I refused to sign. 

The loan officer said that I have until XX/XX/XXXX to rescind. I had accordingly signed and cancelled on XX/XX/XXXX. However, there is a clear trust violation that has happened here as XX/XX/2022 is the fourth day from closing. 

My previous compliant on the company was returned empty handed saying that I did not cancel on due time. You should be aware, I was misguided here and I had trusted the loan officer. 

In your response you had not commented anything on the loan officers deliberate lie to misguide me. 

In order to alleviate my distress and the feeling of being betrayed by the loan officer, I want to atleast convert my creditor checks in my name so that I can utilize them on a water damage repair to my home as I have claim, I had earlier used that money to my failing business to survive my situation. 

Pls. let me know if you can do that, that way, I can atleast find some benefit over an immediate expense I have that way, I can get rid of the anger, distress and feeling of being betrayed by your loan officer. 

The checks and check amounts pertain to the following creditors are 1. IRS Repayment plan ( {$4900.00} ) XXXX. XXXX XXXX ( {$3700.00} ) XXXX. XXXX XXXX XXXX ( {$1900.00} ) XXXX. XXXX XXXXXXXX ( {$1700.00} ) Pls. change it to my name and send.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My checking account has unauthorized fraudulent charges on them that the bank will not reimburse.

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: PA

Complaint narrative:
I was charged for purchases made in another State on the other sude of the Country. I went food shopping at XXXX in XXXX Pennsylvania on XX/XX/23 where i live. XXXX hour later I noticed a chatge for XXXX cents. So i open the card app it says the charge was made in California. Soon after I had gotten an text message from Cash app asking am I trying to make an XXXX dollar purchase at XXXX in California. It gave me 2 options. Select yes its me or no its not me. I selected no. And it said the charge was canceled. So I quickly locked the card. And seconds after I locked the card another purchase for XXXX dollars at something called XXXX also located in California got denied because i had locked the card. The next morning I noticed the XXXX dollar purchase went through. Even though I selected it be denied. I contacted Cash app support they proceeded to submit an claim. Tody I got the email denying my claim. Saying I made the purchase. 
I need help. I can prove i live in XXXX and that i was in Pennsylvania when the transitions were being made in California. Also. I do not have any app on my phone to allow easy payments such as XXXX pay or any of thoes. Never have I ever had any app or service like that. They tried a small payment first then started charging my card somehow. I know XXXX is not a lot to some. But I dont have a savings. My paycheck is my income. Im shocked in Cash app for not showing any care or concern. Especially when I have been with them for years and I get my paycheck direct deposited in that account. 
Unfortunately I had to change my payroll information i dont think Cash app is safe. I can get any kind of proof you may need. Please help me. 

Am i stupid or something. How can you use a cash app card in Pennsylvania to purchase from a XXXX in California. Like do they deliver to Pennsylvania or something. I feel like im loosing my mind I think its obvious that those transactions were fraudulent. But I will provide anything you need to get help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mid-Atlantic Finance Co., Inc.
State: SC

Complaint narrative:
15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 sections 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan As late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive reached out to XXXX, XXXX and Equifax stating I opened a XXXX XXXXXXXX card in 2017 and I never received it due to some one stealing my mail and using my card for fraudulent purchases. I ended up having to pay the cards balance off and closed the account but for some reason it still shows negative reports on all 3 credit bureaus. I would like that account taken off my credit reports due to it being used fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive reached out to XXXX, Experian and XXXX stating I opened a XXXX XXXXXXXX card in 2017 and I never received it due to some one stealing my mail and using my card for fraudulent purchases. I ended up having to pay the cards balance off and closed the account but for some reason it still shows negative reports on all 3 credit bureaus. I would like that account taken off my credit reports due to it being used fraudulently

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I called Comenity Bank to close my BJ 's Club credit card in early XX/XX/2022. Comenity has not notified the credit bureau agencies that this account is closed. I followed up with Comenity Bank customer service in XX/XX/2022 and they said that the account was closed and that it would be late XXXX / early XXXX when it would show up on the credit reports and they would send me a letter confirming the account was closed. I called Comenity Bank customer service again in late XXXX because there was no change in my credit report and I did not receive the promised letter from the XXXX call. I was informed again that the account was closed and that I should see an update to my credit report in XXXX or early XXXX. They told again they would send me a letter confirming the account was closed. Once again, nothing has changed since the late XXXX call and no confirmation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of identity theft, and I did not make this Inquiry details XXXX XXXX SERVICES XX/XX/2022, and XXXX XXXX XXXX Opened XXXX {$320.00}. and XXXXXXXX XXXX XXXX  XXXX I am requesting that the charge be removed or DELETED, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as Identity Theft Affidavit. Please reinvestigate this matter and ( delete or correct ) the disputed item ( s ) as soon as possible. 
In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account. The copies of the records can be mailed to me at the address listed below. IN addition, please make these records available to law enforcement upon their request.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: FL

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation