vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-02 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: MI

Complaint narrative:
On XX/XX/2023, I checked my credit report and noticed fraudulent inquiries reporting on my credit report. I have contacted XXXX and Transunion multiple times to get these inquiries removed and nothing was done. 

According to 15 USC 1681 s-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 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
No personal information fue to my identity was stolen. I been going back in fourth with this company since XXXX. This has told on my mental health due to my disability. They constantly put remarks on my credit file Update : There's been a change to your BRIDGECREST CREDIT COMPANY.LLC account, XXXX. Tap for details. 
Update : There's been a change to your BRIDGECREST CREDIT COMPANY , LLC account, XXXX. Tap for details. 
Update : There's been a change to your BRIDGECREST CREDIT COMPANY.LLC account, XXXX. Tap for details. 
Update : There's been a change to your BRIDGECREST CREDIT COMPANY , LLC account, XXXX. Tap for details. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX { XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Constantly it went from XXXX now to XXXX. A new state law introduced in XXXX aims to protect people from zombie debt. It also requires debt buyers to provide written notice if they are taking action past the limitations period. The statute of limitations on debt in Texas is four years. 
Section 392.307 of the Texas Finance Code This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired.. Next I will be contacting FTC .and report the compay to Division of motorist services complaint affidavit. Seeking compensation due to humiliation and mental health damages. The statute of limitations on debt in Texas is four years. 
This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. 
XX/XX/XXXXXXXX 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 2023-09-02 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports.

In accordance with the written instructions of the consumer to whom it relates Please remove

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 2023-09-02 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. 

In accordance with the written instructions of the consumer to whom it relates Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports.

In accordance with the written instructions of the consumer to whom it relates Please remove

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2023, I checked my " Affirm Spending Power '' in my app that is tied to my cell phone number and my account that I have had for years. I was going to purchase a new XXXX from XXXX. 
When I went to check out, however, Affirm put me through a brand new process of " verifying my identity '' upon which they asked for copies of private documentation, and a selfie, that they claimed would allow them to verify my identify- nevermind that I've already spent THOUSANDS of dollars with them via the app and paid off several thousand dollars to them. 
The " id verification '' apparently uses a nonsensical AI to " verify '' the identity, and for some stupid reason, they claim that I didn't meet the ID vertification requirements. 

I am quite miffed over this for several reasons. 1. ) I have used Affirm numerous times before and have paid off several thousand dollars over the last few years with zero issues. 2. ) In the app, they claim, and are still claiming that I currently have {$3200.00} for purchasing power- but of course I can't use it. 3. ) I am very worried about them asking for identity verification, and submitting my information into some AI system, and then not being " verified '' as who I am. This is frightening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: PA

Complaint narrative:
Hello i have an account from XXXX XXXX XXXX but i dont know who that is or i have never used that bank 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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello i have an account from XXXX XXXX XXXX but i dont know who that is or i have never used that bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: PA

Complaint narrative:
Hello i have an account from XXXX XXXX XXXX but i dont know who that is or i have never used that bank 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 explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: MI

Complaint narrative:
I've had this credit card for over 3 years with a XXXX limit that they have only increased once. Each time I make payments they usually apply very quickly however recently that has been different. I made a {$1000.00} payment and I have attached evidence from my bank statement showing that it was removed from my bank account. It was applied to my credit card and then it was suddenly not. They keep holding payments and they won't apply them to my card suddenly. Not to mention that there are holds and pending transactions for companies like XXXX that have been held for weeks I can't even see them there is nowhere in my account that I can view them. They will just verbally tell me when I asked them like today. This is the strangest thing I've ever seen and it's changed over the last 6 months. Now with {$1000.00} missing out of my bank account for a payment and they want to play it to my card and it goes against their actual rules about payments when they post it's concerning and I don't get an answer from them. How is my balance {$600.00} for the attachment but I only have a little over {$300.00} available for use and my limit is {$3200.00}? I make XXXX annually and have never missed a payment with excellent credit rating but they never increase my spending allowance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: U.S. BANCORP
State: MN

Complaint narrative:
My U.S. Bank credit card was charge {$130.00} on XX/XX/2023 and {$360.00} on XX/XX/2023. I approved both of these charges through XXXX XXXX XXXX purchasing online for a total of {$500.00}. 

Then on XX/XX/2023, my credit card was again charged {$360.00} as a fraudulent/duplicate charge. I called U.S. Bank right away and started a fraud claim since I didn't not approve a 3rd charge and did not make another purchase besides the original 2 purchases. U.S. Bank started the fraud claim and gave me a provisional refund of {$360.00}. 

XXXX XXXX  XXXX does not show any 3rd transaction or duplicate transaction of any kind from XX/XX/2023 in the amount of {$360.00}. XXXXXXXX XXXX XXXXXXXX only sees the first 2 transactions that I purchased and approved of {$130.00} on XX/XX/2023 and {$360.00} on XX/XX/2023. XXXX XXXX XXXXXXXX does not see any transactions on XX/XX/2023 for the additional {$360.00} in their system per the XXXXXXXX XXXX XXXXXXXX customer service team member on the phone. 

U.S. Bank provided me with the signatures from the product delivery for the XX/XX/2023 and XX/XX/2023 transactions, but did not provide me any documentation for the {$360.00} charge on XX/XX/2023. U.S. Bank also did not provide transaction information that was readable when I requested a copy of their findings be emailed to me. 

XXXXXXXX XXXX XXXXXXXX states that since they couldn't find the delivery confirmation for one set of flowers, XXXXXXXX XXXX XXXXXXXX credited me {$260.00} from the original charge of {$360.00} on XX/XX/2023. U.S. Bank took this as a partial credit towards the XX/XX/2023 charge, and then U.S. Bank charged me again the {$260.00} on XX/XX/2023, even though the XXXX XXXX XXXX credit XXXX XXXX XXXX was refunding on the original purchase and payment made on XX/XX/2023 and not the 3rd fraudulent/duplicate charge on XX/XX/2023 since XXXX XXXX  XXXX has no transaction on their side of the 3rd charge on XX/XX/2023. 

I have talked with numerous U.S Bank employees on the phone regarding this issue and asking that the fraudulent/duplicate charge be removed since I did not purchase anything for the 3rd charge and I did not approve that charge. I have also tried to explain to several U.S. Bank employees that the credit from XXXXXXXX XXXX  XXXX was intended by XXXXXXXX XXXX XXXXXXXX to be credited to the original purchase on XX/XX/2023 and not the fraudulent/duplicate charge on XX/XX/2023. The U.S. Bank Visa credit card team member manager XXXX screamed at me on the phone and stated I must write or fax the Office of the President to be able to speak to her boss regarding this situation.

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 monetary relief
Consumer complaint received 2023-09-02 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Dispute of late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.

In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports without my consent 15 usc 1681 section 602 i have the right to privacy 15 usc In accordance with the written instructions of the consumer to whom it relates Please remove

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 2023-09-02 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: AL

Complaint narrative:
I have disputed this information plenty of times but to no resolve. The company only added more false info to 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 2023-09-02 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: NC

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Filed a report with XXXX and XXXX. Requested information on debt owed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
My mother answered the door about a week ago, and the man identified himself as a bounty hunter. He then asked my mom if I reside at the residence, and she replied yes, and he handed her court papers. She asked him again what the badge around his neck was and he said he was a bounty hunter. My mother is XXXX XXXX XXXX and this was extremely scary for her. 

The company on the documents that is suing me is XXXX XXXX and XXXX. I called their phone number listed and I told them about the bounty Hunter that showed up at my mothers house and she called me a liar. I went onto further. Ask what this was about because it looks like some kind of online loan. All the represented kept saying was do you want to pay the deck today. 

My car was broken into over two years ago. I have police reports, identity theft, reports because my identity has been used elsewhere as well. This company used an unethical practice by sending a bounty, hunter bounty Hunter to my mothers, personal residence. 

I am attaching a front page of the summons because it has the bounty hunters hand writing on it with his badge number, and time and date. 

I can also get a written witness statement from my mother.

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 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-02 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:
I have never been late on my mortgage payment.

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 2023-09-02 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:
I have never been late on my mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
There are reports on my credit report that were not made or authorized by me. 
On XX/XX/2023 XXXX XXXX XXXX XXXX VA XXXX Contacted Capital One. Unknown person tried to open a XXXX XXXX On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief