vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I'm in the middle of closing on a mortgage XX/XX/XXXX. I've been in this process since last quarter of XXXX. I purchased products from XXXX payment plan provider Affirm who offered per terms ( soft credit pull only, no reporting unless delinquent or payment problems ). This was great due to no cc use allowed and monitoring of my credit cards and bank acct every 30 days until close. 

The account in questionXXXX Had a return item to XXXX which the processed the adjustment and updated AFFIRM as required. Payments were still automatically deducted with no missed or late payments. Completed terms XX/XX/XXXX. They in turn reported as of XX/XX/XXXX this acct to XXXX as a collection that's never been late but has a balance of {$90.00} remaining which is oddly the adjustment amount XXXX had them complete. This has not only out me in jeopardy of delaying nor losing out on my home. It is incorrect, was not supposed to be reported on my credit and their process of resolution has not worked in my favor. I've completed all terms and per the terms of my contract which I read prior to signing they've botched all agreed. No removal was completed nor updated information to the balance as the letter indicates. 

They have it listed as : 1. Collection account ( false ) 2. {$90.00} Balance owed ( false ) 3. But in good standing ( contradictory and misleading )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I used AFFIRM to finance the purchase of a cell phone, paid off the balance XX/XX/2022, and the company still has not reported it to my credit bureau, XXXX. I have contacted both XXXX and Affirm but neither has satisfied my request to update the information. The account, XXXX still shows a balance of {$400.00} which should show XXXX, paid in full. Affirm is delinquent in it's obligation to report and keep current consumer 's account status. I have spoken to and written to Affirm with no relief. Following this complaint I will close the account which will adversely affect my credit score but I will take the hit to sever all contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have two medical debts under {$500.00} listed on my TransUnion credit report from the Company XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX. As of 2023, these charges should no longer be listed on consumer credit reports. See : 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I received mail from XXXX  XXXX XXXX in mid XXXX asking for further information before they could issue me a credit card. I knew that I had not applied for credit anywhere recently, so I checked my credit report on XXXX. I discovered that multiple hard inquiries were made and that a XXXX XXXXXXXX with a {$3200.00} limit was successfully opened on XX/XX/2022 with a {$3200.00} limit. 

XXXX  XXXX XXXX : I let them know the application was fraud. No further action needed TD/Samsung : XXXX tried calling multiple times and kept getting transferred to the different departments/companies. I was able to find out that the card was used at XXXX XXXX. I called XXXX XXXX and was told that the purchased product had already been picked up and there was nothing they could do. This card still shows as open on my XXXX and has a {$2800.00} balance which is affecting my credit score. I have been unable to get this card closed. 

XXXX : I put security freezes on my file. I disputed my hard inquiries with XXXX and they removed them from my report. XXXX advised to make a report here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: KY

Complaint narrative:
Good Afternoon, My name is XXXX XXXX and I am in need of assistance in dealing with a debt collector by the name of Jefferson Capital Systems XXXX. They have been reporting to my XXXX of my credit bureaus false debts. When I contact this company and provide them with my XXXX XXXX XXXX they state that they can not help me because the information they have does not match with what I gave them, this is obviously a huge problem because this is debt that I have no idea about and is not owed by me or is tied to my social security number. They have been reporting for XXXX or more years now and is hurting my credit because of the false debt they have been reporting. I have hired a credit repair agency about XXXX years ago, and even they have submitted verification letters on my behalf, and still, the credit bureaus and Jefferson Capital are claiming that the debt is verified, however, the debt is never verified with me based on my information that I give to them. This seems to be unfair to me and has actually caused me financial harm because of the XXXX false debt collections accounts that XXXX XXXX has reported on all three of my credit bureaus. XXXX asking you guys for your help as a collections agency is not or should not be allowed to keep reporting accounts that can not be verified using my XXXXXXXX XXXX XXXX Whom ever the XXXX accounts belong to, thats whom they need to report to their credit bureaus and collect from the person whos information they have. This is very unfair to me. I have contacted them in several ways to have them remove the XXXX accounts of all three of my credit bureaus, and they keep refusing to remove it as they keep saying the information is valid, even though its not. If it was an actual debt that I owed, then they should be able to verify me so I can pay the debt off, but, that simply is not the case and not so way to remove when they cant verify either accounts with my XXXX XXXX XXXX, this means the XXXX accounts belong to someone else and they just keep harming me. Please see attached where Jefferson Capital is reporting to all three of my bureaus. Please assist and advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Collections showing on account after disput and proof provided that accounts were ex spouses and not mine. 
Collections showing amount owed when account is closed. 
Students loans showing when they have been paid and XXXX balance. 
Medical bills that were covered by insurance and provided all documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am once again, disputing information that I have no knowledge of in that are unauthorized credit inquiries. These were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries, lacking certifiable evidence, unless physically certified verified proof is demonstrated in provided per US code 15 U.S.C 1681 section 604 of the fair credit reporting act. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter certified tracking number # XXXX and # XXXX to get inaccurate information on my credit report investigated. 
The credit bureau stated that the below accounts were properly investigated but how is that possible if there is still inaccurate information on my credit report. This is grounds for REMOVAL. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My home was damaged by XXXX XXXX on XX/XX/2022. During and XXXX  months before XXXX I was unemployed. Even when unemployed I was making my mortgage payments. This XXXX and being unemployed devastated me financially. I applied for XXXX  months mortgage payment relief from my mortgage lender PNC bank. I was denied. They said they will foreclose on my house if I don't make the XXXX  months back payment. the estimated price to due my home repairs from the disaster is {$XXXX}. I had to make the difficult decision on using my insurance money meant to do repairs to my home to pay the mortgage so I won't lose my home. I spoke and provided all documents asked of me to PNC bank and they did not help me at all for the XXXX  months relief. Even when making the payment with the insurance money they dropped my credit XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: CA

Complaint narrative:
I have contacted LexisNexus twic

e, one by mail and once by phone. The company has failed to take action to comply with the California rights to privacy. They have made the website not work with intent to harm California residents as they get paid to report information and do not want to delete my opt out request and correct the file. I am requesting help as they are not resolving the matter. Copy of second Letter to Lexusnexus has been
provided for support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A relative in XXXX used my social security number to get XXXX XXXX services at her apartment. She left a bill of {$100.00} and I paid that bill but it is not my bill. It has brought my credit score down and hurt me in different ways financially. I would like it completely removed from my credit report. This relative lives in XXXX Arizona. They didn't ask for my ID because she doesn't have my ID if they would have done that they would have seen that she's not me. It's really unethical what happened here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into. 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 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I Have an open investigation due to identity theft from the XXXX data breach and they ( the CRA 's ) stated it will take 60 days to respond, however, the account is still reporting during the investigation time frame, this is currently reporting false information that is illegal and they are in violation AT THIS MOMENT. sure, take 60 days to respond, but this needs to be removed until they respond. The FRCA also states these items must be removed until they can verify the account or investigation is complete. 

These accounts are fraud and should be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 Also states a consumer Reporting agency can not Furnish a account without my written instructions.

15 U.S.C 1681 C. ( a ) ( 5 ) Section states that no consumer Reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681 S-2 ( a ) ( 1 ) A person shall not Furnish any information relating to a consumer to any consumer Reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureau and they failed to provide me the copy or any such proof of their investigation results about my complaint. This is the XXXX complaint i have filled with the CFPB and the companies didnt do anything to respond or to solved this matter. I have only recieved automated responses saying that the issued was verified as accurate but no real proof evidence of such or any invenstigation made. A lot of illegal innacuracies reported and nobody takes an action with the credit reporting company or the creditor.

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 writing instructions.

15 U.S.C 1681i ( a ) ( 1 ) ( a ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.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 explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Online Information Services, a debt collection company, sent a notice on XX/XX/XXXX that we owed {$3900.00} in back charges from an account with XXXX XXXX XXXX. We called XXXX XXXX on XX/XX/XXXX with the account number provided and they confirmed there was an account opened in our name and social security number but with an address we never lived at. The dates were XX/XX/XXXX to XX/XX/XXXX. We requested the debt be collected from the address on file but they would not discharge it without proof we lived at a different address during those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I had a Wells Fargo account from XXXX to XXXX. They would hold my funds or freeze funds when making deposits. They did alot of fraudulent things to my accounts such as using minor savings accounts to cover overdrafts that were not linked to my checking accounts. 
I have not received notice from the lawsuit. My accounts were in my previous name XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hello, this matter is in reference to case number XXXX XXXX I was contacted by XXXX from PayPal stating " we won't be able to refund the payment or close the case in your favor because the item was delivered to the same address we have on the shipping details, signed by XXXX XXXX ''. I never stated that the package " wasn't delivered ''. I stated I never received the package ''. The item was indeed delivered but left outside of my screen door, which I have attached a picture to this message. However, the XXXX left the package in an area making it easier for anyone to walk pass my house and take it. The XXXX  also did not ring the doorbell, nor did the XXXX  knock on the dooras I was home all day. When I finally did track the package and seen that it was delivered, the package was no longer outside of my door. I have contacted the seller on multiple occasions about this issue, and no help was provided. Ive also contacted XXXX and was not able to file for a missing/lost package. PayPal insist that I file a dispute with my financial institution, however, the transaction was placed through my PayPal account using my PayPal balance. Ive been trying to get this issue resolved through PayPal since XX/XX/XXXX of 2022 and still its ongoing. I would like to be refunded for this transaction, as Ive never received the package and this issue settled. Thank you!

Company response to consumer: Closed with monetary relief