vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: CA

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. 

XXXX XXXX XXXX - 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 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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The credit reporting agencies are reporting that I owe student loans when I in fact have a XXXX balance. I have tried to update the information several times to no avail. This is a violation of my consumer and needs to be updated to zero balance immediately. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2024-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Reference XXXX I received a letter dated XX/XX/XXXX from Unifin XXXX Inc. / XXXX XXXX XXXX / XXXX, IL XXXX - XXXX " ... trying to collect a debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' THIS IS NOT MY DEBT THIS ALLEGED DEBT IS XXXX XXXX XXXX Information states " as of XX/XX/XXXX the amount owed is $ XXXX. '' California 's Statute of Limitations for debt is XXXX years - state 's XXXX of XXXX XXXX XXXX. XXXX ; this alleged debt is nearly XXXX XXXX XXXX. 

This alleged debt is not mine ; this alleged debt is " time-barred. '' The Use-By-Date has expired! 

Stop all contact, regardless of the communication ( s ) channel ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently made sure that payments on this account are made on time, preventing them from becoming overdue. However, I am puzzled by reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
-I opened a new business account with Bank of America on XX/XX/2024. ( Business name and account name- XXXX XXXX, XXXX ) -I flew from XXXX XXXX to XXXX XXXX on XX/XX/2024. 
-While I was out of town the bank sent me a debit card. ( We have a lockbox, so there is no way for mail to get stolen once delivered. ) -I returned from my trip on XX/XX/2024. 
-When I returned there was a debit from my account for {$110.00} from XXXX XXXX- XXXX XXXX. 
-I promptly called my bank to contest the charge, because it was charged from my account while I was out of town. 
-The bank opened a fraud investigation and gave me a provisional credit. ( Claim # XXXX ) -They told me last Friday that my case was denied because a debit card was used at the gas station and the card had a chip, so my card was physically used. 
-I went to the bank last Friday and they faxed my proof of me being out of town back to the fraud department. The fraud department has done nothing and the bank essentially stole {$110.00} from my account. 

FACTS : 1. I never received a debit card.

2. I never activated a debit card. ( When I asked the bank why they would activate a card without a pin or from my phone number, they could not respond. ) 3. I was out of town when the transaction took place. ( I can send hotel reservations and flight reservations if needed. )

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 monetary relief
Consumer complaint received 2024-04-20 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: TN

Complaint narrative:
FCRA 605B stipulates the necessity of eliminating any inaccuracies from my credit report. Could you verify the documents? Some listed accounts are inaccurately reported. I'm entitled to {$1000.00} for each erroneous entry on my credit file.

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 2024-04-20 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: FL

Complaint narrative:
Under 15 USC 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 a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in 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 the consumer or reseller. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom it May Concern, I received a notification on my Transunion report # XXXX that the collection company has added to my report an account that was disputed and deleted from my report in the year XXXX. Transunion I am very shocked that you have allowed this to happen to me after you have assisted me with my ID theft case over the years. I have since contacted XXXX XXXX XXXX  and they have taken over XXXX  months and failed to send me documents that provides me with the banking information the alleged money was deposited into, and well as any documentations with my wet signature and ID that I needed to get approved for a loan. I am very disappointed that Transunion has even allowed this company to place this on my credit file destroying my creditworthiness after I have had this removed after my and your investigation being a victim of ID Theft. By law this company can " NOT '' place this on my credit report when in fact they did not contact me at all to ask if the debt was mine.and because the account happened as ID Theft. 

I am very disappointed that Transunion even allowed a debt that is past the statue of limitations be placed back onto my reports almost after XXXX  years to tell me it falls off in XXXX. So is this a case where my credit be destroyed for XXXX more months and it be ok? I show deletion date of XXXX but now this is about ethics and Transunion you have not been ethical and proper when it comes to this matter. This company should not have been allowed to purchase this debt and place it back and not have contacted me every prior. 

I never had the opportunity to dispute the debt directly with them nor have a meeting of the minds to determine the best course of action regarding this alleged debt with the company XXXX XXXX XXXX. The company did not follow proper laws to allow you to put the debt that was investigated and deleted back onto my reports. Instead of them providing my social and proper ID that I needed to prove it was me was not provided by them as well. 

Transunion I am asking that you please do the right things and remove this derogatory account from my credit file immediately. This company did not contact me to know that is was identity theft and when I spoke to an agent at Transunion it was reported deleted and removed due to my ID Theft. I am resubmitting my police report and Federal Trade Commission Affidavit and ask that you honor my issue and bring this matter to a resolve sooner than later. 

This company has no right to put something where I was a victim of ID theft back onto my report since it was ID Theft. By law they can't do this per FDCRA I have reattached the same file I sent to you in 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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC
State: GA

Complaint narrative:
I checked my credit report on XX/XX/year> and discovered a collection account that doesn't belong to me. 
The errors are as follows : Forest Recovery Services, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never had a contract, account nor conducted any business with Forest Recovery Services or listed Original Creditor XXXX XXXX XXXX XXXX This account is fraudulent.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is currently reporting information that is inaccurate on my consumer report. I have sent two letters stating the issues at hand and the situation hasn't been rectified. On my personal information there are three names reporting instead of just one, My name is XXXX XXXX. There are three addresses reporting instead of just one. My address is XXXX XXXX XXXX XXXX, Ga XXXX. There are several closed account that are being reported with late payments that have been on my report for years that is currently affecting me. I have a hard inquiry from a loan company I never applied for, and I have three collections that are reporting on Equifax that isn't reporting anywhere else because they have been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX Account # XXXX I called they did not have my account on file it was not verified. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX Account # XXXX I called they did not have my account on file it was not verified. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),

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 2024-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I signed up for a loan with Affirm in XX/XX/2021 to pay for a college course with the company XXXX that was partnered with XXXX XXXX. 

I called customer service within the return period the first XXXX weeks, XX/XX/2021 into the course. Since the company that sold me the course was based in XXXX, I received their customer support line, and each customer service representative promised to have the salesperson called me back. This went on for 30 days. I tried calling the sales representative who sold me the course but the phone number was disconnected. I entered several help tickets to get a refund from XXXX in their help site. I made cals to follow up on the tickets and each client service representative told me they were escalating my request, only no resolution or follow up was ever completed. 

I contacted Affirm to tell them about the fraud and they opened up an investigation. They never heard back from the vendor - XXXX and did not process a refund as well. 

I contacted the Educational vendor again and asked for a refund again, and was told it was escalated and sent to their billing department for a refund. I was denied the refund as they now said it was ocer the refund period, since 4 months had now passed by since the original purchase. 

I disputed the charge again with Affirm and they denied my dispute. 
I entered several client support messags during the first 30 days of the course for a refund which there should be a record of in XXXX client service database, and they have ignored every attempt to check the audit trail as they do not want to return the money. 

In addition, I have asked affirm to defer the loan, and they refuse to do so. 
This is an educational loan and should be eligible for deferrment. Currently, I am out of work and can not pay it. The total of the loan was XXXX dollars plus interest. 

I would like assistance, in closing out the existing balance of the loan, and going after XXXX for not responding to me to refund me during the refund period. They purposely ignored my requests for a refund until the period for the refund was over. I was told someone would be getting back to me on 30 individual calls I had with different members of customer support in XXXX. I tried calling all hours of the day, to be on the same time zone as XXXX working hours. Affirm did nothing to help me dispute the charge and recognize that this payment was frauduent and that the vendor did not act in good faith. They should not be allowed to give out student loans as a buy now pay later company if they do not follow the same rules as XXXX XXXX and other financial institutions that allow deferrment of student loans and refinancing. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau. There is a fraudulent account in my profile that i want to remove as soon as possible. 

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 non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: 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. 
XXXX XXXX : # XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX, the following accounts referenced above have violated my rights as a consumer. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The credit reporting agencies are reporting that I owe student loans when I in fact have a zero balance. I have tried to update the information several times to no avail. This is a violation of my consumer and needs to be updated to zero balance immediately. 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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