vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I have spoke to several different representatives at Jefferson Captial they claimed they verified this debt but failed to send proof. Mind you this happen in XXXX the alleged original creditor XXXX. I spoke with XXXX n XXXX my name didnt match, my social security number or my date of birth or drivers license number didnt match. All of which is required to obtain service with XXXX Mind you I have had XXXX since XXXX never have I had XXXX Jefferson captial in XXXX removed the fraudulent collection for XXXX. XX/XX/XXXX -XXXX XXXX Jefferson Captial put this on my report again. I spoke with several representatives that told me the social dob did not match and not to worry it would be removed. Almost XXXX and its still showing called them today XX/XX/XXXX spoke with a XXXX he again said he doesnt understand because the information doesnt match. I have sent many certificated letter every XXXX days with my personal information on there only for this to still be reporting fraudulent. My next step will be to file suit towards Jefferson Capital. All they have told me was a common name. I also have spoke with XXXX who took over XXXX, they said they have all records from previous and current customers of XXXX and they did NOT have any of my information they had several with same name and last but not my social security number, dob, or drivers license number. Which they said all would be required to run a credit check to obtain services. My credit has never been ran by neither of the 3 credit bureaus. I have checked in XXXX and currently XXXX. I need to see the purchase agreement, proof of my social security number dob, signature and the statue of limitations of this debit and the purchase agreement. And if they claimed its verified I need to see proof that verified this because I have never had XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX of 2023. I booked a hotel through XXXX. and use the affirm payment method. I booked this hotel XXXX  XXXX XXXX XXXX in XXXX XXXX XXXX XXXX the month and a half before... 
I came down with XXXX  XX/XX/2023. 
I called XXXX and the hotel. And left them the message saying that I was sick and that I couldn't come down and stay in the hotel. I even notified Affirm. After that I got a bill from the hotel saying I owed them.. I was on the phone to XXXX. to tell them I called the hotel the day I got sick and said I was not staying or could not stay in their hotel because I was sick. They said the manager would call me back and he never did. I was on the chat to XXXX. they got a hold of affirm.. XXXX call the hotel the XXXX XXXX  XXXX And the manager told XXXX that I would not be charged!! 
So affirm now is hassling me. They had an investigation going. I never heard another word about it.. Now I see it on my credit report that I have collections with affirm.. AFTER I WAS TOLD BY XXXX I DID NOT OWE THAT HOTEL ANY MONEY. AND THAT HOTEL BACKED OUT OF THEIR WORD TELLING XXXX I DIDN'T KNOW A THING! BECAUSE I GOT SICK WITH COVID! AND I NOTIFIED EVERYBODY!! 
NOW IT'S ON MY CREDIT REPORT THAT I OWE AFFIRM!!. 
I WAS SICK WITH XXXX... I TOLD EVERYBODY THAT AT THE TIME. AND THE XXXX XXXX MANAGER LIED TO XXXX AND HE CHARGED ME AFTER HE WAS NOTIFIED I WASN'T GOING TO MAKE IT!!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: MO

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: MA

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Please see attached letter and FTC Report for the inquiries that I am disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Please see attached letter and FTC Report for the inquiries that I am disputing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, Survivor did attempt to have adverse information removed from his consumer profile. The survivor contends that there is no online dispute vehicle to process complaints via the company 's advertised dispute center. The survivor asserts that the respondents have made the process of removing and reporting adverse information very difficult and arduous task. Survivor noted that the respondents have previously removed the requested information. Through restructuring and reorganizing, the respondents have refused to comply with the bureau. 
Survivor contends and hereby states and declares that the foregoing excerpt is repugnant to the Constitution of Pennsylvania and of the United States of America and is thus XXXX XXXX. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ( XX/XX/XXXX, ch. 645, 62 Stat. 685. ) - [ ] Legal tender isa form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is legal tender, but essentially it is anything which when offered ( " tendered '' ) in payment of a debt extinguishes the debt.

- [ ] 31 U.S. Code 5103- Legal tender United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts.

- [ ] ( 1 ) 18 U.S. Code 514 - Fictitious obligations- [ ] ( a ) Whoever, with the intent to defraud draws, prints, processes, produces, publishes, or otherwise makes, or attempts or causes the same, within the United States ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. The inquiry in question was made without my permission. However, I have not authorized this inquiry, and I believe it to be inaccurate and unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
I was on the phone for XXXX hours today ( XX/XX/XXXX ), XXXX hours yesterday ( XX/XX/XXXX ), and XXXX hours Monday ( XX/XX/XXXX ) in regards to loan consolidation before the one time IDR account adjustment deadline in XX/XX/XXXX. I was transferred from the Consolidation department to the TEACH department several times and then I was told to call my University. My University confirmed that Mohela provided me with incorrect information. No Mohela representative could provide me with any answers. In fact, several times representatives provided me with wrong information and I had to clarify based off of what I read online. Mohela employees clearly lack training and do not know how to properly assist with even the most basic of questions. I have been given several different possibilities by several different representatives and I do not even know what is true and what is false. I kept notes so I could detail each phone call. The representatives chatted their supervisors every single time I asked any question and put me on hold " for XXXX to XXXX minutes '' and then never came back - the phone calls randomly went to a survey and disconnected. My TEACH XXXX became a loan in summer XXXX. It was never in a grace period. It entered repayment. I should be able to consolidate it. I've been left frustrated with more questions than answers, more wrong information than right information, and I need a resolution before I miss the opportunity to consolidate prior to the one time IDR account adjustment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
hello I have tried to remedy the fact XXXX gave experian, XXXX, and transunion has been reporting the history of my credit extension which XXXX understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations. 
15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and anxiety due to the abusive and unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
hello I have tried to remedy the fact XXXX gave XXXX, equifax, and XXXX has been reporting the history of my credit extension which 1 understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations.

15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and anxiety due to the abusive and unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 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: NC

Complaint narrative:
hello I have tried to remedy the fact XXXX gave experian, XXXX, and XXXX has been reporting the history of my credit extension which XXXX understand by law is illegal without my written consent. I have never provided consent to ( company name ) to supply this information. of course in my attempts to correct this I've been ignored and refused of my rights here is the law that i've quoted for your and there reference for the matter at hand please help me to have them comply with fed regulations.

15 USC 1681 section 501 which states that I have the right to privacy - furthermore 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions pursuant to 15 US 1666B a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by the section 1637B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never gave you or the above listed creditors any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681B credit report an agency caused severe stress and anxiety due to the abusive and unfair practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 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: NY

Complaint narrative:
I am requesting to formally dispute an inquiry listed on my credit report that I believe is unauthorized. I kindly request that you promptly remove this inquiry from my 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 2024-03-27 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:
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 2024-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This morning I received XXXX emails from USAA stating my account access had been limited. When I called in, I was told that I triggered fraud due to transferring funds in high velocity. 

They have a {$5000.00} transfer limit for day and I needed to pay off their home equity loan with another XXXX XXXX by this XXXX. ( I have documentation and all. 

Im ok with limiting access - where this is causing an issue is that they have blocked my elderly parents account and debit cards- they were told it could take 10 days for resolution. My mom is in the emergency room as we speak over the XXXX- they have told us both that there is nothing they can do. Who can survive 10 days when they are already on a fixed income? 

Just feels unlawful. 

Desperate for assistance for them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC bank dropped my credit line from XXXX to XXXX. When I called their customer service the woman I spoke with refused to provide me with a reason. I checked my credit report on XX/XX/2024 and I have an exceptional payment history listed with all my creditors. Since PNC pulled this move my credit score has dropped. This is utter nonsense that a creditor can drop someone's credit line with no notice and without a valid reason.

Company response to consumer: Closed with explanation