vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-03 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: IL

Complaint narrative:
Since XX/XX/year>, this account has been classified as charged off, with this status recurring monthly thereafter. However, it's imperative to clarify that a charged off account should not be listed as part of active payment history. This misrepresentation can significantly impact the status of limitations. Your failure to thoroughly investigate this matter constitutes a breach of my rights. Thus, I insist on the deletion of the following account : 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 2024-06-03 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: IL

Complaint narrative:
Since XX/XX/2019, this account has been classified as charged off, with this status recurring monthly thereafter. However, it's imperative to clarify that a charged off account should not be listed as part of active payment history. This misrepresentation can significantly impact the status of limitations. Your failure to thoroughly investigate this matter constitutes a breach of my rights. Thus, I insist on the deletion of the following account : XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm would not allow me to access to my loan for almost 5 months stating " I was never approved through Affirm '' while I was having active withdraws being taken out of my bank account from AFFIRM, almost 20 phone calls later, I was finally given access to my loan details, in which I paid off immediately, the remaining balance of {$52.00}, was paid in full, early, on XX/XX/2024. Completing a payout of my loan total {$79.00}. ( I have proof of pay off ) In XX/XX/2024 I noticed a negative mark on my credit report from Affirm, I called them, provided proof of pay off, confirmed my contact information and was advised a manger will follow up with me. No one from Affirm followed up with me. I called back a week later and was advised Affirm did not reach out to me to update me on my " late '' payments because my contact information was deleted from my profile without my knowledge or permission, I asked how I was still receiving sales emails from Affirm & how was I able to confirm my identity at the beginning of the call via text message if my email & phone was no longer on my profile? They advised they were unable to answer my questions and a manager will follow up with me. 

Another week went by, and no one contacted me, I reached out to Affirm, yet again and they stated they have received the proof of pay off, they have documented my complaints, they verified my contact information and could not assist me until a manager follows up with me after reviewing my account. 

I have disputed this negative mark on my credit with XXXX multiple times, however Affirm will confirm with XXXX that I do indeed owe the debt, meanwhile THEY ( Affirm ) HAVE NOT REACHED BACK OUT TO ME regardless of the multiple attempts I have made. 

My payments were never late and the loan was completed early, before the end of the loan agreement and Affirm will not assist me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing and investigating these wrong accounts on my credit file. I should get {$1000.00} for each mistake under the Fair Credit Report Act. FCRA 605B says we must report wrong accounts on a credit report.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting for an investigation to take action in regards of my identity being stolen & my information being used against me, I would like for an active investigation to take place as of now.

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 2024-06-03 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: NJ

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 2024-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year> around XXXXXXXX XXXX I went to a store location to add money to my cash app account. than at XXXXXXXX XXXX the {$220.00} I had just had loaded into my cash app account wasn't there. My account was hacked and my money was gone. 
As soon as I see my money gone I do what is suggested by cash app and I started aive chat with cahapp support where I reported the fraudulent activity followed by me asking for a refund. Than they said they'd look into it. The next day I didn't hear from them i think it took a week for them to tell me they didn't find any error and refused to refund me my money. Thats when I asked the if they could tell me whichp device took that off my account and again they refused. So Im extremely frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX XXXX contacted XXXX XXXX XXXX asked to remove unauthorized inquiry off my credit report and was told to write a letter I informed them it may be in result of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Tesla, Inc.
State: IL

Complaint narrative:
I have looked over my car contract and have found numerous federal law violations. Taken where a finance charge was involved. Furthermore, I entered into this contract taken which paid for the car. They have willingly uninformed me of these One thing about a contract is FULL DISCLOSURE 1. There was no full disclosure of my rights to rescind. 
XXXX. Failed to let me know my contract was a financial asset that paid for my car once I got it. 
XXXX. Misrepresentation of the finance charge. It is illegal for a dealership to take cash where a finance charge is in existence. Downpayment, Insurance, Fees out of pocket. 
XXXX. Failed to disclose the monetized promissory note that I signed paid off my vehicle but lied and told me a financial institution gave me a loan. 
XXXX. Told me I needed a downpayment and a certain fixed of cash down. 
XXXX. Nowhere in the contract XXXX XXXX XXXX is the lender and i have no contractual obligation with XXXX XXXX XXXX which is Auto Dealer Fraud, Securities Fraud, Wire Fraud and Mail Fraud. 
XXXX. Illegally Ignored my debt validation request and demand for proof of claim. 
XXXX. Illegally Repossessed my vehicle during debt validation of Fraud during investigation The Company Committed Fraud in this Consumer Credit Transaction and has violated several federal violations. When reading the contract, it says only me and tesla. Nowhere in the contract does it says XXXX XXXX XXXX is the lender. This is deception and deceptive business practices. I was deceived to pay over XXXX to a company I have no contractual obligations with and not to mention the vehicle was already paid in full by the monetized Promissory Note. 

I want this inaccurate information removed from my consumer report immediately because it is damaging my ability to obtain future credit every since XXXX XXXX auto that i have no contract with is reporting late payments on my consumer report. Nowhere in the contract XXXX XXXX XXXX is in the lender. Attached are supporting documents in a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was a victim of identity theft. Any information on my report between XXXX and XXXX does not belong to me. I am not aware of any of the derogatory items and collections. My entire report is full of fraud.

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 2024-06-03 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: CA

Complaint narrative:
XXXX sent a letter to Equifax to remove an inquiry that is showing on my report dated XX/XX/24. They acknowledged they received the letter and that they removed the inquiry. as of today the inquiry is still showing on my report and has not been removed as they said. I want it removed and off of my credit report as per the letter they received stating it was an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
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 
PLEASE CREDIT ACCOUNT!! 
XXXX CALLED ME FROM XXXX XXXX She said she could email me. And list the fraud claims but she never did. Please have her call me again tomorrow or wed. 
Your friend, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Yesterday I tried opening an account with credit union. No luck. 
Please contact corporate headquarters in XXXX XXXX. Ceo not XXXX. XXXX is doing nothing. 
There's also a charge for XXXX XXXX XXXX XXXX XXXX XXXX XXXX That's fraud. Please look into that!! 
Please look into that.

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 monetary relief
Consumer complaint received 2024-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I think Chase Bank 's behavior is discriminatory and even unreasonable. I have repeatedly told them that someone stole my Chase account and tried to deposit my Chase check into my XXXX  XXXX XXXX. After the incident, I contacted XXXX  XXXX XXXX and Chase in time to inform them that the bank account had been stolen. Chase Bank also restored my account access rights in time, but after the most recent call with Chase, their staff closed my card without my authorization and said they would replace it for me. After I refused, their staff reopened it again, but just one day later I received an email telling me that my account was closed and permanently. I have been a Chase Bank customer for more than three years and have never had such a situation. I am really frustrated. I tried to communicate many times but in the end there was no positive response, and I was not even given any opportunity to prove myself. 

I just asked for fair and equitable treatment, but Chase Bank 's way of hurting customers really makes people feel serious discriminatory service. I will have to complain to more institutions and departments and report Chase Bank 's mistakes and discriminatory services in the entire incident. I will also entrust my lawyer to formally file a lawsuit against Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: CA

Complaint narrative:
Affirm is knowingly reporting this inaccurate account after notifying them many times this year of this inaccurate reporting. They are damaging my credit score and causing me hardship due to me being denied for housing because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: PA

Complaint narrative:
Notice of Intent to Sue and Opportunity to Cure Refer to U.S. Bankruptcy Court, XXXX. Florida. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX 1. In response to complaint # XXXX filed with the CFPB filed on XX/XX/XXXX against XXXX XXXX XXXXXXXX XXXX XXXX ; I am dissatisfiedwith the handling of my complaint. 

2. XXXX XXXX XXXX, XXXX did not address or fulfill all listed demands, requirements and obligations necessary to satisfy my concerns and stipulations regarding the fraudulent account they are actively furnishing to each of my consumer reports. 

3. XXXX XXXX XXXX, XXXX explicitly states in their response : " XXXX  is required to validate the account. We have no record of a dispute being received in relation to our initial notification letter. '' This is in fact an outright lie. I filed my initial complaint with the CFPB on XX/XX/XXXX and given complaint # XXXX was in fact received by XXXX. They responded on XX/XX/XXXX. This complaint also included a copy of their dunning letter dated XX/XX/XXXX. I have attached another copy to jog your memory. 

4. I also sent a 2nd complaint via the CFPB on XX/XX/XXXX under complaint # XXXX ; I have also included a copy for your review. 

It is apparent that XXXX  is furnishing blanket repetitive statements in response to consumers who file complaints against them using the CFPB 's platform as a government enforcer, XXXX  holds no regard for following or adhering to Federal Law or judgements as outlined in CFPB v. XXXX XXXX XXXX, XXXX, case no. XXXX. 

5. XXXX  has once again failed to properly verify this alleged debt and continues to violate my consumer rights and federal laws by continuing to report this account to each of my consumer reports. They are willfully and intentionally causing harm and injuring me as a consumer. 

6. In order to verify a debt as XXXX XXXX XXXX, XXXX has previously claimed they have done, they are asserting, confirming or substantiating by oath or affidavit. Providing copies of statements is not proper verification or validation of anything. 

7. Refer to XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. 

I demand immediate removal of this fraudulent account from all consumer reports, permanent deletion and no further harm or injury to my person or financial well-being as a federally protected consumer.

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 2024-06-03 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: PA

Complaint narrative:
Notice of Intent to Sue and Opportunity to Cure Refer to U.S. Bankruptcy Court, XXXX. Florida. XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XX/XX/XXXX, 1. In response to complaint # XXXX filed with the CFPB filed on XX/XX/XXXX against XX/XX/XXXXXXXX XXXX XXXX ; I am dissatisfiedwith the handling of my complaint. 

2. XXXX XXXX XXXX, XXXX did not address or fulfill all listed demands, requirements and obligations necessary to satisfy my concerns and stipulations regarding the fraudulent account they are actively furnishing to each of my consumer reports. 

3. XXXX XXXX XXXX, XXXX explicitly states in their response : " XXXX is required to validate the account. We have no record of a dispute being received in relation to our initial notification letter. '' This is in fact an outright lie. I filed my initial complaint with the CFPB on XX/XX/XXXX and given complaint # XXXX was in fact received by XXXX. They responded on XX/XX/XXXX. This complaint also included a copy of their dunning letter dated XX/XX/XXXX. I have attached another copy to jog your memory. 

4. I also sent a 2nd complaint via the CFPB on XX/XX/XXXX under complaint # XXXX ; I have also included a copy for your review. 

It is apparent that XXXX is furnishing blanket repetitive statements in response to consumers who file complaints against them using the CFPB 's platform as a government enforcer, XXXX holds no regard for following or adhering to Federal Law or judgements as outlined in CFPB v. XXXX XXXX XXXX, XXXX, case no. XXXX. 

5. XXXX has once again failed to properly verify this alleged debt and continues to violate my consumer rights and federal laws by continuing to report this account to each of my consumer reports. They are willfully and intentionally causing harm and injuring me as a consumer. 

6. In order to verify a debt as XXXX XXXX XXXX, XXXX has previously claimed they have done, they are asserting, confirming or substantiating by oath or affidavit. Providing copies of statements is not proper verification or validation of anything. 

7. Refer to XXXXXX/XX/XXXXXXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. 

I demand immediate removal of this fraudulent account from all consumer reports, permanent deletion and no further harm or injury to my person or financial well-being as a federally protected consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: MA

Complaint narrative:
I am trying to buy a house and I have realized I have damages on my credit report. According to the 15 U.S.C 1681 there should not be any damages on my credit report. It is defamation of character.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : 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 2024-06-03 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : 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