vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Dear MR/MS, I am writing to file a formal complaint against Affirm due to their deceptive and unfair practices in connection with a service provided by XXXX. Despite the fact that I legally canceled the service within the allowable timeframe, Affirm is now demanding the full payment for services that were not fully rendered. 

Background : On XX/XX/year>, I entered into a verbal agreement with XXXX for a XXXX job search service, which was supposed to include five job interviews over two months. 
XXXX provided minimal services during the first month, such as market analysis and resume materials, but no interviews were conducted, which was the core of the agreement. 
Due to personal circumstances, I canceled the agreement before the end of the first month, which is my legal right under consumer protection laws. 
I later found out that XXXX claimed that interviews would start in the second month, but this was never communicated to me prior to the cancellation. 
Despite the cancellation, Affirm is now demanding the full payment of {$1200.00} for the service. They are rejecting my dispute, even though I canceled within the first month and never received the full services I was promised. This demand for full payment is unjustified and based on misrepresentation of the agreement 's terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

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 2024-10-02 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting 2 XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX ALLY FINANC XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX CCB/IDD XXXX XXXX following inquiry was not authorized and should not be reporting XXXX CCB/IDD XX/XX/XXXX The following inquiry was not authorized and should not be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: NC

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent entry on my credit report. This unauthorized account and inquiry were added without my knowledge or consent and require immediate resolution. 

INQUIRY -XXXX XXXX XXXX XXXX XXXXXX/XX/2023 ACCOUNT -XXXX XXXX XXXX XXXXXXXX An official identity theft report has been filed with the Federal Trade Commission XXXX FTC ), and I am requesting the prompt removal of this fraudulent item to ensure the accuracy and integrity of 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 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting.

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 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting.

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 2024-10-02 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:
According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 4 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: LA

Complaint narrative:
According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " CO '' in the payment history/summary consecutively for the last 4 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : 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 2024-10-02 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: Bounce AI, Inc.
State: FL

Complaint narrative:
I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX A CEAST AND DECIST LETTER HAS BEEN SENT TO ENSURE THAT ALL INACCURATE REPORTING STOPS. THIS INFORMATION CONTINUES TO BE REPORTED AS ACURATE. 

I DO NOT HAVE ANY CONTRACT WITH BOUNCE AI AND THEY HAVE NOT PROVIDED ME WITH THE ORIGINAL CONTRACT AS REQUESTED. 

UNDER USC 15 1681G- WE HAVE NOT SEEN ANY PAYMENT HISTORY ASSOCIATED. I HAVE NO CONTRACT WITH BOUNCE AI DEBT COLLECTING AGENCY. WE ALSO HAVE NOT SEEN ANY INSURANCE CLAIMS FILED ON THIS DEBT. FINALLY, WE ALSO ASKED FOR THE CHAIN OF TITLE ON THIS DEBT. THEY HAVE NOT PROVIDED ANY OF THIS INFORMATION IN THE LAST 60 DAYS. THIS IS ALL ILLEGAL. I DEMAND THAT THIS DEBT BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
In XXXX of XXXX  after submitting multiple XXXX forms I finally got an accurate count to show that my payments for my forgiveness were over the amount needed. I was informed my loans would be forgiven but it would be in waves. They were not all cleared out during the pause but I was put on forbearance. I spoke with Mohela reps 3-4 times during the pause and all told me I was definitely forgiven and they would all be cleared by the time my forbearance would end in XXXX. My payments are now set to be due on XXXX. I spoke with mohela reps and they said on their end they all show they should be forgiven and to call XXXX. I spoke with XXXX and they said to call Mohela back because they have no idea when theyll be cleared so they need to extend my forbearance. I have not been able to get anyone from Mohela on the phone. The wait time is over an hour. Twice out of ~5 times I was given the option to get a call back but the calls went to my voicemail. I havent been able to get anyone on the phone to extend the forbearance. I am already over my allotted payments so technically at this point I am owed money, but now I need to start paying again?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received extension on bonus award for opening an account, which was extended to XX/XX/year> because of Chase 's failure to timely complete their security checks resulting in delays of using my card. I reached the {$4000.00} requirement. I called in XX/XX/year> to inquire about when I'd receive my bonus points of XXXX. They said they will have it. I visited their physical location around XX/XX/year> to inquire when I'd get it. They said I will have it by the next statement date ( XX/XX/XXXX or XXXX ). I still didn't receive it and called again. They said they will call me back with a response, but it's been over two weeks and they still haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : National Credit Systems Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear National Credit Systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/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 XXXXXX/XX/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 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These inquires don't belong to me never applied for any of this credit. This is an attempt to fraud me. 

XXXX These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 2024-10-02 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: GA

Complaint narrative:
This letter is a DEMAND for the immediate deletion of unauthorized inquiries on my credit report, as these are a blatant violation of my rights under federal consumer protection laws. I did NOT authorize these inquiries, and any record of them being on my credit report is not only misleading but also illegal!

According to **15 U.S.C . 1681b ( c ) **, no one has the right to access my credit report without my *expressed, written consent*. For each of these unauthorized inquiries, I am requesting the **method of verification** under **15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ** that these entities had permissible purpose to pull my credit. You are required to provide documentation showing my signature explicitly authorizing these inquiries.

Since no such documentation exists, you are legally obligated to delete these items IMMEDIATELY. I am also well aware of my rights under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, which detail the civil liabilities for negligent and willful non-compliance with the FCRA . If I do not see these inquiries permanently removed within 30 days of receipt of this letter, I will take legal action against your company and any third party involved for each individual violation. The statute allows for compensation of actual damages, attorney fees, and punitive damages. I will not hesitate to escalate this matter further if my rights continue to be violated. 

Here is a list of the unauthorized inquiries : XXXX. XXXX  One/Walmart - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX. 

I demand that you delete these inquiries immediately and send me a new, updated copy of my credit report reflecting these changes. 

I am not requesting. I am telling you to comply with the law. Take action now. If you think I wont follow through on this, just wait and see. 

Consider this your first and only warning before I take this to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: StellarFinance, Inc.
State: LA

Complaint narrative:
I have the account paid off, which reflects on stellerfis website, however on my credit report it has not been updated for month, with a remaining balance showing the account as delinquent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation