vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 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: 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.

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 2024-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased an electric scooter from XXXX with a loan from Affirm but they sent to me the wrong item which is not in dispute by either party. 

I tried to return the item for a refund or exchange for the product that I actually purchased but was given conflicting, erroneous and misleading information from XXXX and Affirm. Affirm began to make up out of thin air obligations that were not written in the loan agreement such as a 60 day notification window which is not mentioned at all in the agreement. 

In addition one of their own representatives told me that a wrong product delivered should nullify the interest payment but they could not tell me by how much specifically and refused to nullify the interest payment for a product previous return. 

Neither Affirm nor XXXX reached out to me to clarify or resolve this issue despite my multiple complaints. I had also repeatedly asked to go to arbitration as per the agreement which they ignored. I think AFFIRM has violated the Truth in Lending act by not specifying the interest payments and lying about the loan agreement. Documentation is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: AL

Complaint narrative:
XXXX XXXX C/o XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear XXXX, This letter is to inform you that you are reporting inaccurate information on my consumer credit report which is not my info. The inaccurate reports are affecting my ability to obtain credit accounts. I will list below all of the inaccurate information. According to 15 U.S Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit-reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. According to 15 US Code 6802 a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 


Inaccurate Info XXXX  XXXX {$300.00} Limit Closed Account ( Opened XX/XX/XXXXXXXX  Closed XX/XX/XXXXXXXX  ) XXXX XXXX XXXX  {$1000.00} Limit ( Opened XX/XX/XXXXXXXX  Closed XX/XX/XXXXXXXX  ) XXXX  XXXX {$300.00} Limit ( Opened XX/XX/XXXX Closed XX/XX/XXXX ) Hard Inquiry XXXX XXXX XXXX XXXX Hard Inquiry XXXX  XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX  XX/XX/XXXX Pursuant to FCRA section 607 ( b ), a consumer reporting agency must maintain procedures to avoid reporting information with obvious logical inconsistencies. The FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees. [ 37 ] Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees. 
Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
An email was received that appeared to be from Paypal. The email came from the official paypal email address of " XXXX ''. The html formatting was exactly as if from paypal, everything looks official. The date of the email was XX/XX/year>2024. 
The email in the visible To : section was unknown. It is possible this exact email was Bcc 'd to many people. 

The contents of the email stated : " Here 's your invoice '' " Due on reciept '' " Amount requested $ XXXXUSD '' " Invoice number XXXX '' A phone number was provided in the email asking recipient to call if there were any issues. The number is XXXX ( XXXX ) XXXX. 

No numbers were called in this incident, nor was the email interacted other than opening it and reading it. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep disappointment and concern regarding the lack of response to my previous dispute and what I perceive as a violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to address inaccuracies in my credit report, I have yet to receive any acknowledgment or response. 

As a consumer, I value the importance of accurate credit reporting, not only for my financial well-being but also for maintaining the integrity of the credit reporting system. The FCRA establishes clear guidelines for timely investigation and resolution of disputes, which I believe have not been followed in this instance. 

The lack of response has caused me significant distress and uncertainty about my financial standing. Additionally, it undermines my confidence in the accuracy and reliability of the information contained in my credit report. This situation could potentially have negative consequences for my future financial endeavors. 

I urge the relevant party to promptly investigate the disputed items on my credit report and provide a written response detailing the results of the investigation. Furthermore, I request that any inaccuracies or discrepancies found be corrected without further delay. 

Compliance with the FCRA is essential to ensure fair and accurate credit reporting for all consumers. I trust that the necessary steps will be taken to address this matter promptly and effectively. 

Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: LEXISNEXIS
State: FL

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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I received a notice from XXXX XXXX that a new debt collection was added to my account in XX/XX/XXXX. I immediately attempted to dispute the debt via XXXX. Due to the frequency of disputes from identity theft, XXXX will not allow me to dispute incidents online. I called XXXX and the dispute was submitted over the phone, but I was not allowed to attach documents ( see documents attached here ). Genesis Credit Management " confirmed '' the debt. Note that XXXX does not have my contact information and has never notified me of the debt directly. Next, I contacted XXXX XXXX at XXXX XXXXXXXX XXXX  XXXX XXXX, TX, the location of the fraudulent rental. The office staff requested my information via email ( XX/XX/XXXX ). I have not heard back. I followed up with XXXX XXXX via email on XX/XX/XXXX. 

I filed with FTC.Gov on XX/XX/XXXX and have attached that report which summarizes all incidents since XX/XX/XXXX. 

This is the sixth event in a series of identity theft related incidents, all involving apartment rentals in XXXX XXXX, TX. The individual also submitted a tax return under my name for XXXX. I have a copy of the fraudlent license and I testified in court as a witness against the individual who stole my identity ( XXXX XXXX Case # XXXX ). I filed a police report for identity theft as well ( XXXX XXXX XXXX # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello on XX/XX/24 I submitted a request to experian to provide information about some charge off accounts listed on my account and until this day they have yet to respond to my request to fix this. They have yet to acknowledge me 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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-04-30 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: DE

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-04-30 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 2024-04-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax was informed to remove unauthorized inquiries from my credit report in a CFPB complaint XXXX that was submitted in XX/XX/XXXX, and they failed to remove the inquiries listed on the FTC report XXXX Please remove the following unauthorized inquiries : XXXX  XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXXXXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: OH

Complaint narrative:
I transferred {$1000.00} to a blockchain account ; the account was opened because XXXX XXXX  illegally transferred my cryptocurrencies to BLOCKCHAIN ; I HAVE BEEN TRYING TO ACESS MY ACCOUNT WITH BLOCK CHAIN FOR A YEAR? 
BLOCK CHAIN HAD ME FUND MORE MONEY INTO THE ACCOUNT SO i could trade ; INSTEAD OF REPEATED TRYING I AM LOCKED OUT OF MY ACCOUNT AND DO NOT HAVE ANY ACESS TO MY ACCOUNT.

THE MONEY IS NOT TRANSFERED AND NO ONE CAN ANSWER WHERE THE MONEY WENT? 

Blockchain blockchainXXXX [ Blockchain ] Re : ACH transfer of CASH to my account via the XXXX XXXX XXXX ID # XXXX XXXX / Old Mail Support blockchainXXXX  From : XXXX To : XXXX Mon, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Please type your reply above this line - XXXX XXXX XXXX XXXX Blockchain ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I hope this email finds you well. We are currently looking into your previously raised support ticket XXXX. Your request requires some further investigation on our side and we will make sure to get back to you as soon as possible. 

Thank you for your patience while we look into this matter. 

Kind Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: CO

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
Consumer complaint received 2024-04-30 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: LEXISNEXIS
State: CO

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 explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity 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 non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

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