vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I took out a loan for {$5000.00} through Affirm to pay for services that were not rendered with XXXX XXXX XXXX ( XXXX XXXX ). This company needs to be investigated for fraud and scamming because they have not provided any services. They have inconvenienced me time and time again to drive 30+ minutes to their office for nothing to be done, then they turn around and tell me that everything could have been handled over the phone. I have been getting the run around from XXXX regarding a refund for both the XXXX XXXX and funds ( {$750.00} ) that were given to start an LLC for a business. XXXX stated he contacted XXXX XXXX regarding the refund and sent a screenshot of the dispute. I contacted Affirm twice to dispute the charges but the options they had did not apply and I was denied. I was told to send in screenshots, I have messages stating I will get the refund, but it has yet to happen. I am a XXXX veteran and thought I had found a reliable company that had integrity to help me with my claim, but it has been nothing but lies. I had an old employee ( XXXX ) reach out to us from XXXX XXXX XXXX stating she is no longer with the company, and she can not legally tell us what is going on, I am concerned that this company is scamming veterans for their hard-earned money and Affirm is doing nothing about it. I requested the CEO of XXXXXXXX XXXX to contact me regarding my refund for both XXXX XXXX and the LLC fees but have yet to speak with him. Yesterday I was told to come to the office for my refund ( I paid the {$750.00} in cash ) only to get there and the doors were locked and closed. I was told yesterday I would receive a wire transfer for the {$750.00} and they would contact XXXX XXXX but that has not been done either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
National credit adjusters showed up on my credit report. They never contacted me about the debt in any form. They also changed the open date of the account in question. I think it's for a payday loan through speedy cash with an extremely high interest rate, which was already resolved. I reached out to the comapny with no reply. I think it is illegal in virginia for payday loans to have such high interest rates. I don't know why they never tried to contact me before adding this to my report or why they changed the open date from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transition credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 

I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The hard inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and hard inquiries are the result of identity theft and fraud.

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 2024-10-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: SoLo Funds Inc.
State: FL

Complaint narrative:
I'm a lender on the XXXX Funds platform. I have several loans that are defaulted and past due. I have XXXX past due loan that shows pending payback. The pending payback has been like that for about XXXX months now. I need XXXX Funds to fix the " pending payback '' status of that loan. It should be showing as past due and it should be with collections. Next, I need detailed statuses of the collections for all XXXX of my past due loans. I also need the names and contact information of the borrowers so that I can send demand letters for repayment and file small claims against the borrowers. I have a legal right to this information since the borrowers agreed to the loan terms and accepted my money for the loans. 

I've opened multiple tickets but received no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MT

Complaint narrative:
I received a Visa Gift card purchased by my mom for my birthday. She bought it from a store that sold Vanilla Gift cards. 
When I opened the card a large portion of the barcode tore off of the back of the card making it unusable. 

I went called the customer care number on the back XXXX There wasn't a prompt for my issue and there is no way to speak to anyone. I went to the website and read the options. It said if you need to replace the card call the Customer care # which I did again. There is not an option in the prompts for replacing the card. 

I just need a replacement card. I check the balance and it's {$25.00} and there have been no charges. 

My mom is XXXX XXXX and she purchased it with her credit card- her billing address is XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX I would like help getting a card replaced or refunding my mom 's credit card. 

Thank you for your help. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: IL

Complaint narrative:
The following accounts have never been late. Please check the documents as there should have been no late payment remarks.

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 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MD

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : FAIR COLLECTIONS & O Address : Account number : XXXX Your NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX Dear XXXXXXXX XXXX  : 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 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 2024-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW 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 VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

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 2024-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My credit card was stolen and used fraudently for thousands of dollars worth of purchases in XX/XX/year>. While most of the fraud claims were resolved quickly and without issue. One of them, rental car transactions, has been my living nightmare. Capital One has allowed XXXX XXXX XXXX to charge my account ( with A OLD and CANCELLED credit card ) upwards of {$6000.00}. Collectively I have spent nearly 10 hours on the phone with representatives and the last time was assured any charges would be marked fraudulent and I would not have to deal with this moving forward. Exactly 1 week later ( today, XXXX ) I have 4 more transactions from XXXX XXXX car on my account linked to the stolen credit card. Capital One is not doing their due diligence and is severely harming my financial health by allowing these fraudulent transactions to take place. The fraud team, save for a few individuals, does not do their job correctly and needs to actually speak to merchants who are charging these transactions. Capital One has documentation from XXXX XXXX XXXX that the rental was not made by me as the person who rented it provided THEIR ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
this debt was paid in full. can it please be removed from collection. it is hurting my ability to obtain good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint against Experian for allowing multiple unauthorized inquiries to appear on my credit report. After contacting both Experian and the creditors responsible for these inquiries, none could provide proof that I authorized them. Specifically, I did not give any written or verbal consent for these inquiries, and no legitimate purpose has been confirmed. The unauthorized inquiries in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have had a negative impact on my credit history and have limited my ability to obtain credit. Since I did not authorize these inquiries, there is a concern regarding potential misuse or misrepresentation of my personal information. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with an explicit, permissible purpose should appear on a consumer 's credit report. Failure to verify proper authorization may indicate non-compliance with these regulations.I request the CFPBs assistance in ensuring that Experian promptly removes these unauthorized inquiries from my credit report. Additionally, I ask that the CFPB investigate these circumstances to prevent any potential misuse of consumer information that could lead to unauthorized or misrepresented credit inquiries in the future. Regards 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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint against Experian for allowing multiple unauthorized inquiries to appear on my credit report. After contacting both Experian and the creditors responsible for these inquiries, none could provide proof that I authorized them. Specifically, I did not give any written or verbal consent for these inquiries, and no legitimate purpose has been confirmed. The unauthorized inquiries in question are : 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/year> These inquiries have had a negative impact on my credit history and have limited my ability to obtain credit. Since I did not authorize these inquiries, there is a concern regarding potential misuse or misrepresentation of my personal information. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with an explicit, permissible purpose should appear on a consumer 's credit report. Failure to verify proper authorization may indicate non-compliance with these regulations.I request the CFPBs assistance in ensuring that Experian promptly removes these unauthorized inquiries from my credit report. Additionally, I ask that the CFPB investigate these circumstances to prevent any potential misuse of consumer information that could lead to unauthorized or misrepresented credit inquiries in the future. Regards 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 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am asking for your help regarding an incorrect account being listed on my credit report, which has affected my reputation as a customer. These accounts should be removed, as they have been reported inaccurately and negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Currency. XXXX Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.

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 2024-10-28 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: MI

Complaint narrative:
Ive been a victim of identity theft. I have fraudulent accounts on my credit report. I am not liable for this debt. Im attaching my drivers license, my social security card, and my identity theft report. 

XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have a fraudulent accounts on my report. Please remove all fraudulent accounts. 

Thank you, 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 2024-10-27 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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