vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-26 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm went behind my back and reported my accounts to the credit bureaus without my knowledge. On XX/XX/XXXX at XXXX am I spoke with a supervisor that assured me that my account would not be reported because I was not XXXX  days late I was provided a Case number XXXX. However, I was constantly harassed by XXXX XXXX XXXX agents On XX/XX/XXXX at XXXX am I was called and the person had no knowledge of my speaking with the Supervisor the The payment arrangement was ignored by Affirm people who called and had no knowledge of this arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Subject : Formal Complaint : Dispute of Inaccurate and Unauthorized Addresses on XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint to report the inclusion of inaccurate and unauthorized addresses on my credit reports maintained by XXXX, TransUnion, and XXXX. Many of these addresses are linked to identity theft incidents, while others are simply inaccurate and have no legitimate connection to me. 

Disputed Addresses : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Identity Theft The inclusion of these addresses violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of information reported ( XXXXXXXX XXXX XXXXXXXX ( b ) ). Furthermore, under XXXX XXXX. XXXX, upon notification of identity theft, credit reporting agencies must block the reporting of any information resulting from such theft, including fraudulent addresses. 

Violations of XXXX and XXXX Laws : FCRA XXXX XXXX. XXXX ( b ) : Failure to ensure accurate and verifiable information. 
FCRA XXXX XXXX. XXXX : Failure to block identity theft-related addresses despite notification. 
XXXX XXXXXXXX XXXX XXXX ( XXXX et seq. ) : Allowing misleading and unauthorized data constitutes an unfair and deceptive practice. 
These violations have caused undue distress and a risk of further identity theft by enabling fraudulent activities tied to incorrect addresses. 

Requested Actions : Immediate removal of all disputed addresses listed above from my credit reports. 
A written confirmation from each credit bureau confirming the removal of these addresses.

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 2024-12-26 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: MD

Complaint narrative:
Subject : Formal Complaint : Dispute of Inaccurate and Unauthorized Addresses on XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint to report the inclusion of inaccurate and unauthorized addresses on my credit reports maintained by XXXX, XXXX, and Equifax. Many of these addresses are linked to identity theft incidents, while others are simply inaccurate and have no legitimate connection to me. 

Disputed Addresses : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Identity Theft The inclusion of these addresses violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of information reported ( XXXXXXXX XXXX  XXXX ( b ) ). Furthermore, under XXXX XXXX. XXXX, upon notification of identity theft, credit reporting agencies must block the reporting of any information resulting from such theft, including fraudulent addresses. 

Violations of XXXX and XXXX Laws : FCRA XXXX XXXX. XXXX ( b ) : Failure to ensure accurate and verifiable information. 
FCRA XXXX XXXX. XXXX : Failure to block identity theft-related addresses despite notification. 
XXXX XXXXXXXX XXXX XXXX ( XXXX et seq. ) : Allowing misleading and unauthorized data constitutes an unfair and deceptive practice. 
These violations have caused undue distress and a risk of further identity theft by enabling fraudulent activities tied to incorrect addresses. 

Requested Actions : Immediate removal of all disputed addresses listed above from my credit reports. 
A written confirmation from each credit bureau confirming the removal of these addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 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: MD

Complaint narrative:
" The accounts appearing on my credit report have not been properly verified by the reporting agencies or the creditors. Under the Fair Credit Reporting Act, I have requested proof that these accounts are valid, but they remain unverified. Without sufficient verification, these accounts should be removed 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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I never authorized the following inquiries and has been identified as fraudulent. 

XX/XX/scrub>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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Debt collector is pusuing a debt that over XXXX  years. the adress they provide is when i was in college in XXXX their unable to provide any iformation as far as my SS security number or account number. In addition, they mention the debt if from XXXX which is the telephone company ive been with for over XXXX  years and still currently with XXXX. I contacted XXXX and assure that this debt is not from them which I already knew. if I HAD A BALANCE WITH XXXX I THINK THEY WOULD MENTION IT TO ME AND NOT A DEBT COLLECTOR THIS IS A SCAM. the debt collector company is XXXX XXXX XXXX FOR {$190.00} AND IT WAS OPEN XX/XX/year>XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Everything began on XX/XX/year>. My fiance recently got a new job. His first check had to be given via paper as a result of direct deposit taking some time to process. On XX/XX/XXXX, he deposited this first paycheck into our account that we share at BMO Harris Bank. We have banked with them for several years now and have had many other problems. He deposited this check using their mobile deposit service, which is advertised heavily on their app because it supposedly only takes XXXX business days to deposit. Today is XX/XX/year>, and we decided to go to the bank to see when the funds would be cleared. Apparently the bank flagged it as fraudulent. So, my fiance gave them the paystub and all of the other documents that they asked for. They verified right there that the check was authentic. We then asked them if we could withdrawal the cash, to which they said no. Not only can we not get our cash today, we can't get it until XX/XX/XXXX. They couldn't provide a reason why and simply kept saying that there was nothing that they could do. My fiance and I began to get very frustrated, because there was no logical reason that they couldn't give us our funds any sooner. I believe that they are illegally holding our money, and we have been left with nothing in the middle of the holiday season.

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 2024-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Someone try to apply for bank cards using my info. I contacted XXXX but all they did was tell me it will be off in XXXX  years even after I explained to them it wasn't something I done. Now a few of them were mine and I let them know that also. They did nothing XXXX 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 2024-12-27 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: TX

Complaint narrative:
Someone try to apply for bank cards using my info. I contacted XXXX but all they did was tell me it will be off in XXXX  years even after I explained to them it wasn't something I done. Now a few of them were mine and I let them know that also. They did nothing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I mailed the first payment on XX/XX/year> at my local XXXX XXXX, which was due XX/XX/year> and has still not been processed, and the shut off my credit card through no fault of my own. P.S. all other bills mailed out directly at XXXXXXXX XXXX  have been received and processed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
My funds are being held XXXX for XXXX  days, the account is closed I just want to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I requested a balance transfer of {$9100.00} in early XXXX on my Capital One XXXX XXXX XXXX. I was supposed to be mailed a check within XXXX business days. Despite the XXXX business day timeframe that was given, I have still not received anything even though it was already reissued once. Every time I reach out to customer service, I am told that nothing can be done ( as usual with Capital One ) and that it can't be expedited. Since by this point, I used the funds that were available to me to pay the other card where the transfer was intended to, now I'm in the situation that both of my Capital One cards are carrying the same balance. I also explained this situation to customer service, but was told that the credit also can not be applied to another Capital One card. Therefore now I am sitting, waiting for a miracle while my credit report/store is completely ruined due to an additional {$9100.00} of balance present for absolutely nothing while Capital One is giving me excuses as to why this can not be resolved. If a customer doesn't pay on time, late fees are charged immediately alongside interest, but when Capital One owes money to a customer, only excuses are provided. It is not my problem that this company is unable to deliver a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I had an open checking account with USAA Federal Savings Bank that was subsequently closed after XXXX said that my Documents used for proof of identity were not valid. Not only was my account closed, they also told me that USAA was terminating any future business with me because of it. 
I have been a member of USAA since the age of XXXX and I am now almost XXXX. Never in all my years as a USAA member have I received so many requests to provide identifying documents, which I provided each time, but to be told my documents werent sufficient for proof and you couldnt even give me a valid reason why. Additionally, to be told that my SSI Card and State issued DL were not sufficient for verifying my ID in addition to being told that USAA was terminating any future business with me is RIDICULOUS! 
I had called in to request a review of my identifying documents and to also request that I be able to open a new account with USAA. In my complaint through USAA, I had specifically requested a phone call regarding these matters and to date, I have heard nothing back from anyone.

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 2024-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Requested Debt Validation letter from LVNV Funding regarding two accounts on my credit report and and did not receive a response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: 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 USC 1681. 

List of Unauthorized Inquiries : 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 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 2024-12-27 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: 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 USC 1681. 

List of Unauthorized Inquiries 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 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 explanation
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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 non-monetary relief
Consumer complaint received 2024-12-27 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 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 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am seeking your help to investigate accounts from companies incorrectly reporting late payments. I lost my job and requested that these payments be forgiven, which they agreed to, but they are still reported as late. Ive reached out to them with no response, leaving this as my final option.

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