vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, I received an email from Affirm ( www.affirm.com ) stating that an account was created using my email address, for a person named " XXXX ''. I do not know who XXXX is. I did not verify such account creation with my email address, and did not ever and do not now consent to doing business with Affirm. Affirm did not take appropriate steps to verify that my email address was associated with the correct person. Since Affirm does not know their customer, I am concerned that this increases the probability of fraud. 

Despite multiple tries navigating Affirm 's website and calling their toll-free number, I am unable to find a way to communicate this to Affirm so that my email address can be removed from their system. Every avenue I could find leads, at best, to a form that does not address this problem. Affirm does not provide a way that could be reasonably used to rectify this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of 1974 for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attempted three times for Experian to investigate an account and each time they have failed to investigate. I am beyond frustrated. Each time nothing is updated. They come back stating, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).

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 2024-01-30 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: VA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-01-30 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Fraudulent, and unauthorized hard inquiry dated XXXX, needs to be removed and reported back to the credit bureaus for removal from my credit report. I do not recognize any application done with XXXX XXXX XXXX and its is a case of identify theft.

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 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In 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 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 XXXXXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: IL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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 made a payment on XXXX XXXX XXXX  they automatically take the payments from my bank all the time. transunion they doing a innacurate report on my credit report damaging my report. they took off XXXX points that's insane for something is inaccurate for payment of XXXX and I called the company and they told me I don't own anything the I'm a head with the payments for a month. according to " 15 us code 1681B '' Permissible purposes they didn't it without my Authorization and " 15 us code 1681A late payments are illegal to put on the report. is fraudulent inaccurate I didn't authorize these inquiries please get this update thank you so much for your help. is not right they don't go by your rules

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 2024-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am an XXXX XXXXXXXX. One of my XXXX XXXX XXXX XXXX me their payment for their insurance. This is a common practice for payment. The payment goes to my XXXX XXXX account and I make the payment for the client. Somehow on this transaction, the client XXXX the payment and it went to my Regions Bank personal checking account. I didn't think anything of it and I just electronically paid the clients insurance from the account. Regions bank confiscated the money for XXXX loans that they have closed 6 months ago due to my ability to pay the loans. Instead of them paying the insurance XXXX their money, they paid themselves without my authorization. When I call them to ask them to give the money back because it is not my money, it is a client 's money. They refused to give the money back. I did not authorize them to make a payment to them and I did not authorize them to take money out of my account. This is not my money and I can be arrested for theft for taking a client 's money and not paying for their insurance. My Regions bank account number is XXXX. I need the money back to pay XXXX Assure for the client 's insurance. This is not my money and it doesn't belong to me. It surely doesn't belong to Regions Bank.

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 2024-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I submitted a dispute transaction claim on XX/XX/XXXX for XXXX. Capital One sent me an update letter on XX/XX/XXXX that did not credit the entire amount and closed the case. I faxed an appeal statement on XX/XX/XXXX consisting of a signed and dated letter and supporting documentation. This was in lieu of uploading my supporting documents online as the company repeatedly had technological issues. The company sent an update letter on XX/XX/XXXX stating information was lacking, they are unable to assist, and closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Our port of call, XXXX XXXX was at XXXX XXXX XXXX XXXX 
XXXX and his partner, XXXX, with Diamonds International ( XXXX ) were onboard recruiters for XXXX. My wife, XXXX XXXX and I were VIPed off the ship to the XXXX site. 

Here, it was divide and conquer timeshare sales on steroids. I regularly interjected to ask what are we doing and was regularly shuttled away, sometimes with a XXXX Label pour. As I was facing mandatory retirement in 5 months, I relented and agreed to buy a XXXX timepiece as a retirement watch {$3100.00}. Late in the afternoon, the ships about to leave, we raced for the ship. Only to realize later that I bought a XXXX watch, {$7200.00} which I returned at the next DI port, XXXX. My wife, unknown to me, had purchased on credit a XXXX XXXX. 

At this port, apparently I was duped into opening a line of credit ( $ XXXX ) with Comenity, Syncrony bank? I dont know how theyre related.One needs a forensic accountant to figure it out. At this port, my credit ( XXXX ) prior was under XXXX XXXX XXXX XXXX, at XXXX, the XXXX was dropped. Same person and address, no XXXX XXXX used my credit and her signature to rack up unknown sales to me and my credit. 

XXXX XX/XX/XXXX I successfully return the $ XXXX XXXX XXXX and receive an email from a manager acknowledging. But there was blood in the water and they attacked in XXXX. Here, XXXX womens rings, XXXX bracelet and XXXX earrings totaled {$58000.00} Unknown to me. Again, using my credit and her purchase signature. Here, another DI account was started, without the SR Am quite sure that I agreed to nothing other than the XXXX. There was also about XXXX hrs of phone jostling about credit or credit breech, In XXXX I have no clue. 

Again, a sprint for the ship departing. After XXXX, we are at sea til XXXX. My wife wanted to stay out longer on Friday XX/XX/XXXX. I was awakened early am XXXX by her return and some verbal conflict. I fled the cabin and she called security. I returned to cabin about XXXX mins later as XXXX security guys were escorting her and belongings to secret cabin. 

I thought I XXXX be arrested upon port arrival. I Was not. Both filed dissolution XXXX motions over the next 4 days. We have both agreed to drop rtos and divorce. 

XXXX and their accomplice XXXX, CATAPULTED XXXX towards divorce. Fraudulent, predatory, malfeasant lending. They are PIRATES, different ports, jurisdictions, etc Ive just now maybe, saved my marriage such that I can try to remedy. 
This is racketeering ( XXXX ) activity. Class action worthy. 

I hope that you can assist or point us to someone who will Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: MD

Complaint narrative:
Went running my credit I noticed there is a debt that does not belong to me from some apartment I have never lived or stay at that is affecting my credit and creating debt on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: KY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: NJ

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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:
I AM A VICTIM OF ID THEFT, THE ACCOUNTS BELOW ARE NOT MINE. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) {$430.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ) {$11000.00} XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) {$290.00} XXXX XXXXXXXX & XXXX ( XX/XX/XXXX ) {$260.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: AZ

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER RXXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: CA

Complaint narrative:
Fraudulent, and unauthorized hard inquiry dated XX/XX/, needs to be removed and reported back to the credit bureaus for removal from my credit report. I do not recognize any application done with Capital One Bank and its is a case of identify theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: KY

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief