vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an email from Affirm letting me know I had been approved for {$2000.00} at XXXX stores. I have never even heard of Affirm. I did not apply for this. Minutes later I received an email asking that I click to confirm my email. I did NOT click anything. Moments later I received an email with a code to click that was good for {$620.00} at XXXX stores. I did NOT click that. Then I received an email with two clickable links with important information about my loans. I did NOT click those either. I do NOT have any loans with Affirm. I replied to several of these email letting them know this was fraud. I finally figured out how to do that and received case number XXXX. I received an email from Affirm after they placed the fraud alert letting me know XXXX stores were processing my order. Finally, I received this email from Affirm : Hello XXXX, Thank you for taking the time to reach out to Affirm regarding your claim. 

This is XXXX from Affirm Customer Care and I want to assure you we are working to thoroughly investigate and resolve this right away. 

I have flagged that there is suspected unauthorized activity on your account and paused credit furnishing on any eligible loans associated with your Affirm account while we investigate this matter. 

The investigation process can take up to 30 days to complete and we will reach out to you with the outcome of our investigation or if any additional information is required. Please note a follow up email will be provided to you within 3-5 business days. 

If you have any questions or concerns, please contact us through the Affirm Help Center at helpcenter.affirm.com or calling XXXX. Our customer care representatives are available to take your call between the hours of XXXX XXXX  to XXXX XXXX  CST seven days a week. 

Thank you and have a wonderful day! 

Best regards, XXXX XXXX. 
Affirm Help Center Affirm allowed bad actors to open fraudulent credit in my name. Affirm participated in and assisted bad actors in stealing my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I'm getting about a half dozen phone calls and voicemails a day trying to collect debt owed on a " costco XXXX  by citi '' card. 

I don't have such a card. If I try to call back the number to tell them to stop contacting me, it goes to an automated system that asks me for card digits or social security number of the cardholder. I am not able to provide any of this information, as I am not a cardholder! 

Make the calls stop.

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 2024-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Sunset Management, Inc
State: GA

Complaint narrative:
IM FILING COMPLAINT AGAINST SUNSET FINANCE XXXX XXXX XXXX XXXX GA XXXX. THEIR NUMBER IS XXXX. CORPORATE OFFICE ISXX/XX/XXXXXXXX, SOUTH CAROLINA XXXX [ XXXX ] FOR THREATS AND HARRASSMENT, AND HARRASSING MY SON. THEY CALLED MY SON AND TOLD HIM THEY TURNED ME IN TO COURT ON FRIDAY XX/XX/year> IN WHICH THEY HAD NO BUSINESS MENTIONING ANYTHING ABOUT ME AND MAKING FALSE STATEMENTS CONCERNING ME OR MY ACCOUNT. AND THEN I TALKED TO THEM LATER FRIDAY AND TOLD THEM I WOULD COME IN SATURDAY WHEN I GOT MY CHECK, SATURDAY XXXX THEY CALLED AGAIN TELLING ME THEY CLOSING IN A FEW MINUTE I NEED TO PAY THEM BEFORE THEY CLOSED AT WHICH TIME I TOLD THE LADY I HAD AN EMERGENCY GOING ON WITH MY XXXX XXXX XXXX MOM, I HAD THE AMBULANCE COMING TO CHECK ON HER AND THAT MY CHECK HADNT POSTED YET. AND THIS WOMAN DIDNT CARE ABOUT MY MOM SITUATION, IM ALREADY DISTRESSED WORRYING ABOUT MY MOM TO BE THREATENED AND DEAL WITH HER ATTITUDE. SHE TOLD ME SHE WAS SENDING SHERIFF OUT FOR ME AND THATS IS AGAINST THE LAW TO THREATEN SOMEONE WITH LOCKUP FOR A BILL. I HAVE WITNESSES THAT HEARD WHEN SHE SAID THEY WOULD SEND SHERIFF AT ME. AND I DONT APPRECIATE HER ATTITUDE, HER THREATS AND HARRASSMENT. THERE IS A WAY TO TALK TO PEOPLE WITHOUT THREATS AND THE AUDACITY TO SHOW NO COMPASSION TOWARD MY MOMS HEALTH PROBLEM THAT IS SERIOUS I DO NOT APPRECIATE AT ALL. I KNOW MY RIGHTS AND THEY HAVE BEEN VILOATED. I DON'T THREATEN OR HARRASS THEM AND THEY ARE NOT GOING TO DO IT TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft, leading to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. 5 Unauthorized accounts and 10 inquiries have appeared on my report, none of which I approved. 

- Accounts : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - ( Original Creditor : XXXX XXXX ) XXXX - XXXX XXXX XXXX - Inquiries : - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this identity theft and now request the immediate removal of these fraudulent items to ensure the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request a reinvestigation of an accounts listed on my credit report. After reviewing my Experian credit report dated [ XX/XX/year> ], I noticed the following account that I believe are inaccurate. The accounts in question are : 1. Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX  ] 2. Account Number : XXXX Creditior Name : XXXX 3. Account Number : XXXX Creditor Name : XXXX XXXX I have already disputed this account with XXXX, and they have removed it from my credit report. Given this action by XXXX, I request that Experian also review this account and make the necessary corrections or deletions if it is determined to be 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 explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/year>, I sent certified mail to XXXX, Transunion and XXXX, a detail letter on the errors that I noticed no my report after getting my annual Credit report, errors such as late payments ( US 15 1666b ) collections ( 15 USC 1692c ( c ) and inquires ( 15 usc 1679C ) know I was a victim of ID theft with these agency and I advise them of the issues and still waiting to get a resolution. This has been causing stress on me and my family I not able to help my daughter to go to college because these errors is cause my score to drop. Any help would be greatly accepted. Thanks

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX ( XXXX ) XXXX XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington, XXXX XXXX Subject : Data Breach and Erroneous XXXX  Reporting on Credit Report Dear XXXX XXXX XXXX am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly XXXX XXXX individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. 

In addition to the breach, I have discovered an erroneous XXXX  entry on my credit report. This entry is not only inaccurate but is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information XXXX have been used maliciously, leading to this erroneous reporting. 

Please find below the details of my situation : Description of the Issue : Nature of the Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack. 
Erroneous XXXX  XXXX : An incorrect XXXX  entry has been reported on my credit report. This entry does not reflect any financial activity or XXXX  on my part. 
Actions Taken : I have contacted the credit reporting agencies to dispute the erroneous XXXX  entry and requested a fraud alert be placed on my credit file. 
I have also monitored my financial statements for any signs of identity theft or fraudulent activity. 
Requested Action : I kindly request the FTCs assistance in investigating the potential misuse of my personal information resulting from the breach. 
I also seek guidance on additional steps I should take to rectify the erroneous XXXX  reporting on my credit report. 
I appreciate your prompt attention to this matter and any assistance you can provide in resolving these issues. Please feel free to contact me if you require further information or documentation to support my case. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX 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 Subject : Data Breach and Erroneous XXXX  Reporting on Credit Report Dear XXXX XXXX XXXX am writing to express my concern regarding a significant data breach that reportedly compromised the personal information of nearly XXXX XXXX individuals, including mine. According to recent reports, the stolen data includes sensitive information such as Social Security numbers, phone numbers, email addresses, and mailing addresses. Given the scale and severity of this breach, it is crucial to address the impact on individuals affected by this incident. 

In addition to the breach, I have discovered an erroneous bankruptcy entry on my credit report. This entry is not only inaccurate but is causing undue harm to my creditworthiness and financial stability. As a direct result of the breach, I am concerned that my personal information may have been used maliciously, leading to this erroneous reporting.

Please find below the details of my situation : Description of the Issue : Nature of the Data Breach : My personal information, including Social Security number, email address, and other sensitive data, was compromised in a recent cyberattack.

Erroneous XXXX  Reporting : An incorrect XXXX  entry has been reported on my credit report. This entry does not reflect any financial activity or XXXX  on my part. 
Actions Taken : I have contacted the credit reporting agencies to dispute the erroneous XXXX  entry and requested a fraud alert be placed on my credit file. 
I have also monitored my financial statements for any signs of identity theft or fraudulent activity. 
Requested Action : I kindly request the FTCs assistance in investigating the potential misuse of my personal information resulting from the breach. 
I also seek guidance on additional steps I should take to rectify the erroneous XXXX  reporting on my credit report. 
I appreciate your prompt attention to this matter and any assistance you can provide in resolving these issues. Please feel free to contact me if you require further information or documentation to support my case. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX bal {$0.00} ; XXXX XXXX bal. {$18000.00} ; XXXX bal. {$950.00} ; XXXX bal. {$0.00} ; XXXX bal. {$850.00} ; XXXX bal. {$2100.00} XXXX XXXX bal. {$79.00} ; XXXX XXXX bal. {$4500.00} ; XXXX bal. {$250.00} ; XXXX bal. {$0.00} ; XXXX XXXX bal. {$3000.00} ; XXXX bal. {$10000.00} ; XXXX bal XXXX {$3300.00} ; XXXX bal. {$230.00} ; XXXX XXXX bal. {$0.00} ; XXXX bal $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$0.00} ; XXXX bal {$27000.00}

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
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX : {$1400.00} Date : XXXX XXXX XX/XX/XXXX Amount : {$440.00} XX/XX/XXXX Amount : {$660.00} XXXX XXXX  Date : XXXX XXXX Amount : {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: KY

Complaint narrative:
This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 1. Received no communications from Jefferson Capital System at all. No phone, No mail notification.

2. Never verified this debt with me before reporting to the credit bureaus 3. Didnt provide me with an oppurtunity to dispute this debt before reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management Inc has violated FDCPA as outlined in Daugherty V. Convergent Outsourcing Inc, 836 F.3d 507 ( 5th Cir.2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 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: DC

Complaint narrative:
That on XX/XX/year> the debt between XXXX XXXX XXXX has been canceled. XXXX XXXX XXXX continues to report negative information on my consumer report. 

Please see attachment.

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 2024-09-01 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: NY

Complaint narrative:
15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other.

In accordance with the written instruction of the consumer.

That's aggravated Identity Theft 18 USC 1028A, You have possession, and are using my information without my consent.

15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT.

Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 

XXXX XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} XXXX  XXXX Reported XXXX Amount {$2000.00} XXXX XXXX Reported XX/XX/XXXX Amount {$590.00} XXXX XXXX XXXX Reported XX/XX/XXXX Amount {$15000.00} XXXX XXXX XXXX  Reported XX/XX/XXXX Amount {$14000.00} XXXX XXXX XXXX Reported XX/XX/XXXX Amount {$10000.00}

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
Consumer complaint received 2024-09-01 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: NY

Complaint narrative:
15 USC 1681b Clearly states Any consumer reporting agency may furnish a consumer a report under the following circumstances and no other.

In accordance with the written instruction of the consumer.

That's aggravated Identity Theft 18 USC 1028A, You have possession, and are using my information without my consent.

15 USC 6802 A Financial Institution may not disclose non-public personal information to a non-affiliated third party unless they give you the CONSUMER the opportunity to exercise your right to OPT-OUT.

Please remove all accounts on my report that has been Illegally publicized without my consent. Thank you for your time and patience. 

XXXX XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} XXXX XXXXXXXX Reported XXXX Amount {$2000.00} XXXX XXXX Reported XX/XX/XXXX Amount {$590.00} XXXXXXXX XXXX XXXX Reported XX/XX/XXXX Amount {$15000.00} XXXX XXXX XXXX Reported XX/XX/XXXX Amount {$14000.00} XXXX XXXX XXXX  Reported XX/XX/XXXX Amount {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am once again facing harassment, bullying, and time-wasting by SPS " Select Portfolio Servicing ''. SPS claims I owe {$5500.00} to them for a mortgage payment. However, SPS and I have already agreed that I do not have to make any further payments. Regardless, SPS is still charging me payments and has been informed they will have to refund all these payments. 

SPS refuses to let me actually make any payment. When I called into SPS today, SPS claims I must enter a payment date for my payment. Whenever I enter any payment date, SPS is claiming the date is " invalid '', when it is not. SPS then hung up the phone on me. SPS is scheming to charge me bogus late fees for their own refusal to take my payment, when they shouldn't even be charging any sort of monthly payment at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: SC

Complaint narrative:
On XX/XX/01, I sent certified mail to Equifax, XXXX and XXXX, a detail letter on the errors that I noticed no my report after getting my annual Credit report, errors such as late payments ( US 15 1666b ) collections ( 15 USC 1692c ( c ) and inquires ( 15 usc 1679C ) know I was a victim of ID theft with these agency and I advise them of the issues and still waiting to get a resolution. This has been causing stress on me and my family I not able to help my daughter to go to college because these errors is cause my score to drop. Any help would be greatly accepted. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: SC

Complaint narrative:
On XX/XX/year>, I sent certified mail to XXXX, XXXX and Experian, a detail letter on the errors that I noticed no my report after getting my annual Credit report, errors such as late payments ( US 15 1666b ) collections ( 15 USC 1692c ( c ) and inquires ( 15 usc 1679C ) know I was a victim of ID theft with these agency and I advise them of the issues and still waiting to get a resolution. This has been causing stress on me and my family I not able to help my daughter to go to college because these errors is cause my score to drop. Any help would be greatly accepted. Thanks

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 2024-09-01 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: LA

Complaint narrative:
I'm wanting these hard inquiries to be deleted because I did not authorize these companies to run my credit, which is fraudulent. 

XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation