vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I booked tickets for flights to XXXX with XXXX. This was made on XXXX. I utilized a loan company to finance the tickets called Affirm.com. The following day a war broke out and I called XXXX to cancel my reservation. They did this without hesitation. When I booked this ticket Affirm.com charged my XXXX XXXX {$3700.00} for the deposit. I was told my Affirm this would be refunded to me. It was not done. I contacted XXXX and disputed the charge. The put a credit on my account. XXXX month later the Affirm.com charge reappeared on my XXXX bill. I contacted XXXX and they told me that Affirm refused the refund. I called Affirm who advised they did not do so. XXXX reopened the dispute however Affirm has not released the funds. I have had multiple calls with Affirm and XXXX. At times I have had three-way calls. Each company is blaming the other. Affirm has continued to tell me they are working on the situation however they now tell me it's up to XXXX to give me my money back. I submitted a claim such as this to XXXX and XXXX has now come back to me stating that Affirm is responsible for refunding me the money. I can not tell you how much time I have been dealing with this. I have copies that the flights were cancelled with no penalty and a message from Affirm that the loan was cancelled. They are claiming they never took a deposit on my XXXX card, but this is totally false. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: WA

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I sent {$100.00} to this person and they were suppose to add to that amt and redeposit in my PayPal account within 3 to 5 minutes. It never happened. PayPal says as the money was sent correctly, the case is closed. But I have been scammed. They should have made sure I got the money promised before they closed the case. I have conntacted PayPl but all I get is the money was sent to XXXX correctly. But where is my money I was to receive plus the {$100.00} I sent. I also am still stuck with the XXXX  XXXX, {$1700.00}, that I turned in a complaoint about back in XXXX. Am I a bad person for not letting this continue? This is the person I sent the money to. 
XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Your recipient should have the money by XX/XX/2024. 
Repeat this transaction Paid with PayPal balance {$100.00} XXXX Unlimited Cash Rewards XXXX  ( XXXX  Credit Card XXXX ) You'll see " PAYPAL XXXX '' on your card statement. 
{$4.00} Exchange rate {$100.00} USD = XXXX XXXX XXXX XXXX USD = {$3.00} XXXX  Transaction ID 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 2024-01-04 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: MN

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 2024-01-04 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: MN

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 2024-01-04 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: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

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

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 2024-01-04 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: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. 

I have contacted XXXX many times dealing with identity theft information on my credit I sent the FTC report, Police Report, identity theft items, and Personal documents. and they broke the FCRA law, by not including my documents in my disputes in doing the dispute process. these accounts is damaging my good name. I will be filing a lawsuit.

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 2024-01-04 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: CA

Complaint narrative:
On XX/XX/XXXX I mailed out Notarized letters to all three credit Bureaus and requested XXXX, Equifax, and XXXX delete my child support accounts from my credit file as soon as possible. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

According to the case law XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, et al., Case : XXXX XXXX XXXXXXXX, XX/XX/XXXX ( XXXX Illinois  ), judgments are not considered credit transactions, and it is illegal to report them on a credit report. 

based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and caselaw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX Illinois  ), child support accounts are not credit transactions and they are judgements. 

These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records.

I requested theses violations be deleted immediately and a written confirmation within 30 days. 

There responses was that those accounts belonged to me, again they are also in violation of 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. which I requested them to provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: CA

Complaint narrative:
On XX/XX/XXXX I mailed out Notarized letters to all three credit Bureaus and requested Experian, XXXX, and XXXX delete my child support accounts from my credit file as soon as possible. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

According to the case law XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX judgments are not considered credit transactions, and it is illegal to report them on a credit report. 

based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions , IncXXXX, No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and caselaw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information systems , XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX  ), child support accounts are not credit transactions and they are judgements. 

These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records.

I requested theses violations be deleted immediately and a written confirmation within 30 days.

There responses was that those accounts belonged to me, again they are also in violation of 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. which I requested them to provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.

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 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase has continued to modify the emails on file for both my personal and business accounts. Chase continues to send emails relating to my personal accounts to my business email address therefore disclosing personal account information to those on that email. Over the last 2 months, I have called chase multiple times to fix the issue. There system continues to override settings and make automated changes causes emails to be sent to email addresses that they should NOT be going to. It should also be noted that my business account email setting can not be changed by me. I have addressed this issue as well. Chase has failed to resolve any communication issues I have brought to their attention. Chase is innately aware of the issue as I had a XXXX hour phone call with a supervisor named XXXX from missouri who eventually just dumped the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Global Lending Services LLC
State: IL

Complaint narrative:
someone used my information to apply for credit not me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: EQUIFAX, INC.
State: MS

Complaint narrative:
There is information on my consumer reports that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am in fact, requesting this block on behalf of myself

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 explanation
Consumer complaint received 2024-01-04 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
This is my XXXX  complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " GM FINANCIAL '', Compliance Department. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report GM Financial for fraudulently processing my credit report over 8 attempts within the 40 days. GM Financial has processed my credit report up to eight times within the last XXXX months and running my credit XXXX  on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with XXXX and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have attempted to resolve this matter in good faith via email with XXXX XXXX, from the Compliance Department from GM. However, XXXX has been unresponsive to my emails in reference to requesting documentation of the credit report runs. I have not received any updated documentation or information on this matter from GM Financial. I have spent weeks and days attempting to resolve this matter and there seems to be no response from XXXX or this department. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent. GM FINANCIAL : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: LA

Complaint narrative:
I XXXX for the number these phone calls are coming from, and it says they are from an " Amshare Collection Agency '', but to my knowledge, I don't have any overdue debts. Furthermore, XXXX shows that this company apparently randomly calls people who don't have any debts and is thought to be a scammer. The number they have been calling is on the XXXX XXXX XXXX XXXX and is my work phone number, so I don't have any way to change it. They have called at least four times in one day, and again XXXX reveals a pattern of harassive behavior on the part of this scammer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: LA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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 2024-01-04 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: LA

Complaint narrative:
I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.

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