vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: AZ

Complaint narrative:
I wasn't shown any paperwork prior to getting the work done on my car. I was told that I would only have to pay $ XXXX. After the work was done, then I was shown the paperwork and forced to sign the contract or I would not have gotten my car from the repair service. I was told that I had the option of paying off the loan in 100 days, but if not that was fine. Never once until I saw the contract was I told my interest rate would be at 169.53 %! I would've never agreed to an interest rate that high. From everything I've read, the interest rate being charged is highly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I filed Identity theft and told chime to mail me 2 new card in XX/XX/XXXX and the card came in XXXX and XX/XX/XXXX '. I saw them on informed delivery. Me and ex had split up XXXX already. I filed charges and asked chime for the receipt, statement, and transaction. They never sent me my information I asked for under the FCRA. The account stayed open until XXXXXXXX XXXX, and is still on my credit and I've been fighting with this for a year now. And the same thing happened with XXXX XXXX secured card. And this card is still on my credit and I requested information from them under the FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
I am writing to address an ongoing matter pertaining to a debt allegedly owed to XXXX, which has been brought to my attention through communications from Valor Intelligence Processing and subsequent collection agencies. 

In an initial correspondence with a representative from Valor Intelligence Processing, I expressly conveyed my request for a validation letter regarding the purported debt. Regrettably, despite their assertion of having dispatched the validation letter, I have not received any documentation substantiating its dispatch, nor any verifiable means of tracking its delivery. This lack of tangible evidence raises concerns as to the authenticity and procedural regularity of the communication. 

Furthermore, on XX/XX/, I was once again contacted by a collection agency in relation to the same debt matter. It bears noting that during this interaction, I reiterated my denial of any obligation and reiterated my request for a debt validation letter. Unfortunately, as with the previous instance, the validation letter remained conspicuously absent from subsequent communications, thereby impeding my ability to fully comprehend the basis of the alleged debt. 

A similar scenario unfolded on XX/XX/XXXX, XXXX, when I was contacted anew by the collection agency, prompting yet another explanation on my part regarding the inaccuracy of the purported debt. At this juncture, I reiterated my demand for a debt validation letter, while additionally expressing a desire to converse with a supervisor. Despite being assured that a supervisory contact would be established within a 24-hour timeframe, no such communication materialized. 

Subsequent to these interactions, I received another call from the collection agency on XX/XX/XXXX, again urging me to remit payment for the debt in question. My response remained consistent I maintained that the alleged debt was not substantiated by any legitimate obligation on my part and that I continued to await the requested debt validation letter. It was during this communication that an email address was provided for the purpose of formally submitting my request. Eager to rectify this situation, I promptly transmitted an email expressing my concerns and reiterating my request for validation. 

As of XX/XX/XXXX, the date of this correspondence, I have received communication from yet another collection agency indicating the recent transfer of the account in question to their administration. This transfer prompts me to address these concerns anew, as the matter remains unresolved despite multiple attempts to ascertain the veracity of the alleged debt and its accompanying documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Personal Statement : Pursuant to 18 usc 8 I do not owe debt to the companies listed nor did I reach out for credit with any of these companies either. These companies are violating my right to privacy pursuant to 15 usc 1681b. I did not give any of these companies permission to run my credit nor report any information on my credit report pursuant to 15usc 1681-4. No contract companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I discovered that there are addresses on file that is not affiliated with me. On XX/XX/2023, I sent a letter to the three credit bureaus regarding addresses showing on my credit report that aren't mine. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I discovered that there are addresses on file that is not affiliated with me. On XX/XX/2023, I sent a letter to the three credit bureaus regarding addresses showing on my credit report that aren't mine. Unfortunately, I have not received any response from the credit bureaus so far. According to th

e 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permis
sible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act XXXX Account, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, have 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 : A consumer reporting agency can not furnish an account without my written instructions. These two XXXX XXXX accounts are showing late payments That are hurting my credit scores

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license, and bank statement 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER Account : XXXX XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 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 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
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 non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I SEE ON MY CREDIT REPORT THERE ARE SOME fraudulent INQUIRES, I HAVE CONTACT THE POLICE ABOUT MY IDENTY BEING STOLEN AND CONTINUES BEING USED SINCE XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I SEE ON MY CREDIT REPORT THERE ARE SOME fraudulent INQUIRES, I HAVE CONTACT THE POLICE ABOUT MY IDENTY BEING STOLEN AND CONTINUES BEING USED SINCE XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/2023 : Attached documents prove that XXXX XXXX 's credit bureau reporting for this account during the month of XXXX is incorrectly stating that the account was 30 days past due. Documents show that multiple payments totaling {$3900.00} were made by myself, accepted and posted to the XXXX XXXX account during that month. The payments were applied to the card and it functioned normally. Payments have been made on time/early throughout every single billing statement since opening the card, and zero notifications of past due/late amounts were sent to me for the month of XXXX. Furthermore, to my recollection, the month of XXXX was originally reported correctly as current, and it seems the change may have occurred following a dispute focused on the following month. Credit monitoring services now show the account as " 30 days late '' " {$0.00} '' past due for XXXX. An earlier dispute details a more complex issue for the month of XXXX in which an XXXX XXXX  supervisor, on a recorded line ( case XXXX ) identified a technical glitch -originating solely from XXXX XXXX- which caused numerous payments from previous months to be " returned '' ( attached statements from my corresponding checking account prove that they were not returned to any account of mine, and that it was not possible for myself or XXXX XXXX to have requested returns ). This happened on XXXX XXXX, and payments were sent within one hour of notification each time. Attached documents prove that an error code generated by XXXX XXXX, indicating XXXX XXXX  or myself requested those returns, is WRONG and not possible. Though payments were initiated by myself and marked as accepted to the XXXX account, XXXX XXXX participated in no interaction with my bank account regarding the debiting, or returning of those payments. Attached documents will show that XXXX XXXX generated numerous technical issues, all of which were dealt with immediately by myself, and there was never a period longer than an hour in which the card issuer or consumer was aware of any issue or further action needed. Attached documents show that XXXX XXXX XXXX XXXX  violated regulations in credit reporting, as the account was never late, and there were no notifications of an account being past due for the month of XXXX. On XX/XX/XXXX on a recorded line, I was assured multiple times after experiencing/rectifying XXXX XXXX XXXX XXXX that the account had always been current and no action was needed from myself. At the time of filing this complaint, it appears the XXXX reporting of the account may have been corrected to " current '' but I have not received confirmation. Statements for the months of XXXX - XXXX are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I'm recently just finding out a credit card was opened in my name with Bank of America. I see it's on my credit report. It's saying the card was opened XX/XX/2021. AND I owe a balance of {$880.00}.

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 non-monetary relief