vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
On XX/XX/XXXX I received an alert from Affirms app on my phone, regarding new details of current loans on my account with Affirm. I signed in and saw two new loans I did not recognize. One Loan for an XXXX Order placed using Affirm as payment method for {$52.00} processed on XX/XX/XXXX and another order placed through XXXX using Affirm as payment method for {$190.00} processed XX/XX/XXXX. 

I disputed them through their help center XX/XX/XXXX thinking nothing of it. That it would be resolved quickly. 

Wrong, over the course of several weeks, I was communicating on the app with their help center about these loans. They were adamant about the fact that they were mine. Pointing nothin much of a truth disclosure that on every loan after you submit one and its processed. This disclosure is nothing more then general Terms and Condition from any product.

The details of the loans shows little to no details. They show the amount of the loan, the separated payments on such days and the name of the place where the order came from. 

I searched my accounts with XXXX and XXXX, I do not have such orders during that time period or amounts. I contacted XXXX and XXXX sometime during XXXX and they came back confirmed there were no such orders. There are no charges on my bank account stemming from these loans and the XXXX loan had a {$10.00} payment on XX/XX/XXXX which I do not have any charges on my bank account for that. 

I confirmed to tell Affirm that this information from the merchants, and they still said it was my loans and my responsibility. Over months of talking to them and arguing my point, the XXXX loan was charged off on XX/XX/XXXX by them as bad debt to collections or credit bureau 's. 

I have tried everything to avoid that outcome and I am tired of talking to Affirm. I am filing a complaint of Fraud/Scam of two loans thats not mine with Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
After I got of ah quarantine and was done with all the XXXX tablets prescribed to me I drove to the dealership to drop off payment. Being that I wanted to be responsible and safe about my health condition towards others I stayed in the car and asked an employee to please take the payment and have it reach it's proper destination. Payment was took. However a couple days ago my car was repod and according to the dealership the check was shredded. I ask, why? Why couldn't it have been forwarded to the proper place or why didn't they attempt to hand back? I believe there was some type of professional negligince on their behalf because it be one thing if they didn't know, but they knew that if they shredded that check that no payment of course would be made and that I would lose my car. So they knew. Now under USC 15 1692F ( there was no judicial order therefore making the reposession unlawful ) Under 15 USC 6802 A financial institution can not disclose personal info to a non affiliated third party which the repo company would be exactly that because when the dealership and I made the deal they were nowhere in the picture Now under 15 USC 6804 Congress states that if I haven't been given anything in writing stating my info is gon na be given to a non affiliated third party that in doing so that is also unlawful which they had had to because that's how they knew who I was and who to look for that's how they found me now under 15 USC 1692 Congress warns us The People to be on the lookout for unfair collection practices by debt collectors.abusive practices.misleading. ( while the repo was taking place the repo guy told me to hurry before a call was made and authorities got involved ) that is also unlawful In all reality let 's go to the very beginning I made the payment to the dealership I forgot to mention they said the payment was supposed to go somewhere else. Very well then why'd they take my payment? And why let it sit on their desk til they finally shredded it? They knew. It would be different if they didn't know. Negligence ladies and gentlemen so as much as anybody dislikes the verdict the truth is it was wrongful from the start. I would've not lost my car if the payment was given back and I instructed to send to where they knew where. They could've sent it.they could've had handed it back to me, but no they shredded it without saying a word.not til the car was repod and I demanded to know where the payment was did they tell me it was ripped and thrown away.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I am writing to file a formal complaint against I.C. System regarding their persistent reporting of a removed account on my credit report, despite multiple assurances that the account had been deleted from their records. 

On multiple occasions, I have received calls from regarding an account allegedly associated with my name. Each time, I informed them that they no longer have any account pertaining to me. In XXXX, I received an email from I.C. System confirming that they had indeed removed my account from their records. 

However, despite these assurances, I recently checked my credit report and found that I.C. System is still reporting the account in question. This discrepancy is not only causing confusion but also negatively impacting my credit score. 

I have made diligent efforts to resolve this matter with them directly, but their failure to accurately update my credit report demonstrates a lack of accountability and professionalism on their part. 

I request that the Consumer Financial Protection Bureau intervene and investigate this matter thoroughly to ensure that I.C. System complies with fair credit reporting practices and promptly removes the inaccurate information from my credit report. 

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

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 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Im trying to get into my Coinbase account because I know I have money in my account. However I dont have access to my old email but know my password. I went through their identity verification where I took a picture of my ID and recorded a video of myself. They provided a recovery pin XXXX but once I continue it says were having trouble connecting even though my internet connection is fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 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 in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: MO

Complaint narrative:
In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 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 XXXX XXXX XXXX XXXX XXXX  15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. In addition, 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 in accurate.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I reached out to XXXX to correct information on an account, as they have a responsibility to report information accurately per 15 U.S.C.1681e and required to provide documentation to prove their claim per 15 U.S.C. 1637 ( b ) upon request. I have not received requested documentation. This is a tortuous and negligent act of willful civil non noncompliance per 15 U.S.C.1681n and 15 U.S.C 1681o, to which XXXX will beheld liable without adhering to the F, C, R, A, and violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Netspend Corporation
State: MO

Complaint narrative:
I have disputed unauthorized transactions Due to fraudulent. I was robbed and they took my card, Wallet and phone. Im trying to dispute this activity because it wasnt me who made theses transactions. 
XX/XX/2024 I believe

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 2024-03-17 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: TX

Complaint narrative:
Upon further evaluation, and looking into my Experian Credit Report as of XXXX, the following inquires have been fraudulently opened, and placed on my credit report. Putting my financial freedom, and access to financial resources at risk. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate items on my TransUnion credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The items I am disputing are not only inaccurate but also the result of identity theft, as evidenced by the extended fraud alert on my credit report. 

Disputed Items : XXXX Account # XXXX : The four late payments reported in XXXX, XXXX, XXXX, and XX/XX/XXXX are inaccurate and must be deleted under the FCRA 's maximum possible accuracy standard, 15 U.S.C. 1681e ( b ).

The late payments are also obsolete information
that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and the timing rules in TILA, 15 U.S.C. 1666b. 


XXXX XXXX XXXX Account # XXXX : The alleged late payment in XX/XX/XXXX is inaccurate and must be deleted under 15 U.S.C. 1681e ( b ). 

This late payment is also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and TILA, 15 U.S.C. 1666b.

Unauthorized Inquiries : The inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent and must be deleted as impermissible under 15 U.S.C. 1681b ( 2 ).

These inquiries are also the result of identity theft and must be blocked under 15 U.S.C. 1681c-2.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable reinvestigation of these disputes and delete the inaccurate information. I demand that TransUnion provide me with a detailed description of the verification procedure used, as required by 15 U.S.C. 1681i ( a ) ( 7 ).

TransUnion 's failure to comply with these FCRA provisions constitutes a willful violation under 15 U.S.C. 1681n, entitling me to actual damages, statutory damages, punitive damages, costs, and attorney fees. Each violation allows for {$1000.00} in statutory damages. 

I have suffered emotional distress, reputational harm, and lost credit opportunities as a result of TransUnion 's misconduct. I demand that TransUnion delete the inaccurate information within 5 business days and provide me with a copy of my updated credit report reflecting the deletions. 

Sincerely cc : Consumer Financial Protection Bureau Federal Trade Commission Illinois Attorney General

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 2024-03-17 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate items on my TransUnion credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The items I am disputing are not only inaccurate but also the result of identity theft, as evidenced by the extended fraud alert on my credit report. 

Disputed Items : XXXX Account # XXXX : The four late payments reported in XXXX, XXXX, XXXX, and XX/XX/XXXX are inaccurate and must be deleted under the FCRA 's maximum possible accuracy standard, 15 U.S.C. 1681e ( b ). 

The late payments are also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and the timing rules in TILA, 15 U.S.C. 1666b. 


XXXX XXXX XXXX Account # XXXX : The alleged late payment in XX/XX/XXXX is inaccurate and must be deleted under 15 U.S.C. 1681e ( b ).

This late payment is also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and TILA, 15 U.S.C. 1666b. 


Unauthorized Inquiries : The inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were made without my consent and must be deleted as impermissible under 15 U.S.C. 1681b ( 2 ).

These inquiries are also the result of identity theft and must be blocked under 15 U.S.C. 1681c-2.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable reinvestigation of these disputes and delete the inaccurate information. I demand that TransUnion provide me with a detailed description of the verification procedure used, as required by 15 U.S.C. 1681i ( a ) ( 7 ).
TransUnion 's failure to comply with these FCRA provisions constitutes a willful violation under 15 U.S.C. 1681n, entitling me to actual damages, statutory damages, punitive damages, costs, and attorney fees. Each violation allows for {$1000.00} in statutory damages.

I have suffered emotional distress, reputational harm, and lost credit opportunities as a result of TransUnion 's misconduct. I demand that TransUnion delete the inaccurate information within 5 business days and provide me with a copy of my updated credit report reflecting the deletions. 

Sincerely cc : Consumer Financial Protection Bureau Federal Trade Commission Illinois Attorney General

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 2024-03-17 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate items on my TransUnion credit report, as is my right under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The items I am disputing are not only inaccurate but also the result of identity theft, as evidenced by the extended fraud alert on my credit report. 

Disputed Items XXXX XXXX Account # XXXX : The four late payments reported in XXXX, XXXX, XXXX, and XX/XX/XXXX are inaccurate and must be deleted under the FCRA 's maximum possible accuracy standard, 15 U.S.C. 1681e ( b ).

The late payments are also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and the timing rules in TILA, 15 U.S.C. 1666b. 


XXXX XXXX XXXX Account # XXXX : The alleged late payment in XX/XX/XXXX is inaccurate and must be deleted under 15 U.S.C. 1681e ( b ).

This late payment is also obsolete information that should be excluded under 15 U.S.C. 1681c ( a ) ( 2 ) ( A ) ( i ) and TILA, 15 U.S.C. 1666b. 


Unauthorized Inquiries : The inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were made without my consent and must be deleted as impermissible under 15 U.S.C. 1681b ( 2 ).

These inquiries are also the result of identity theft and must be blocked under 15 U.S.C. 1681c-2.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable reinvestigation of these disputes and delete the inaccurate information. I demand that TransUnion provide me with a detailed description of the verification procedure used, as required by 15 U.S.C. 1681i ( a ) ( 7 ). 

TransUnion 's failure to comply with these FCRA provisions constitutes a willful violation under 15 U.S.C. 1681n, entitling me to actual damages, statutory damages, punitive damages, costs, and attorney fees. Each violation allows for {$1000.00} in statutory damages.

I have suffered emotional distress, reputational harm, and lost credit opportunities as a result of TransUnion 's misconduct. I demand that TransUnion delete the inaccurate information within 5 business days and provide me with a copy of my updated credit report reflecting the deletions. 

Sincerely cc : Consumer Financial Protection Bureau Federal Trade Commission Illinois Attorney General

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 2024-03-17 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I noticed an unauthorized inquiry from XXXX XXXX business credit card as well. Ive reported another unauthorized inquiry prior to this. You must adhere to the law of FCRA. Remove this inquiry or inquires from my report immediately or I will pursue legal action.

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 2024-03-17 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: FL

Complaint narrative:
This company keeps reporting XXXX days past due, this account was paid in XX/XX/2020 I had XXXX XXXXXXXX and they STILL REFUSED TO HELP AND ITS PAID, The are fraudulent because i am NOT 120 days past DUE they are messing up my credit and I DONT OWE THEM ANYTHING get this late status changed please

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 2024-03-17 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: FL

Complaint narrative:
This company keeps reporting 120/149 days past due, this account was paid in XX/XX/2020 I had covid 19 and they STILL REFUSED TO HELP AND ITS PAID, The are fraudulent because i am NOT 120 days past DUE they are messing up my credit and I DONT OWE THEM ANYTHING get this late status changed please

Company response to consumer: Closed with explanation