vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter regarding my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: OR

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by 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 2024-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
Good morning, This complaint is concerning Affirm and took place on XX/XX/year>. I wish I had known about this sooner but I just saw the story regarding the court ruling. Is this retroactive to a filing date? Please include my email or any information in the public comment currently being collected. I am happy to discuss this further or even provide comments in person should it help in any way. 

My wife and I booked a XXXX stay for our XXXX anniversary in Florida with our kids. A little over one week prior to check in my wife and I contracted XXXX. We contacted the XXXX host and advised them of our situation. We were advised that we could reschedule for a future stay by the hose. Based on our documented comment from the XXXX hose we cancelled with XXXX online. We then recontacted the XXXX host regarding rescheduling and never heard from the host again. Since the XXXX host offered the future stay but was obviously avoiding us we contacted XXXX to continue with our scheduled reservation for our adult children. This was well before the scheduled check in. XXXX directed us to the host who has never replied to us since the documented offer of a future stay. 

On XX/XX/year> we filed a dispute with Affirm for load ID # XXXX since the service was never delivered and the host quit communicating with us prior to our scheduled check in date. We were still charged cleaning fees and Florida resort taxes even though we were never there. After providing documentation, timelines and several communications with Affirm we were still required to pay {$5700.00} for a service we had never received. Affirm denied our dispute on XX/XX/year>. 


Thank you so much, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I paid the original people in full and they ( Allstate ) failed to notify XXXX XXXX which resulted in a collection being plac d on my credit

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
FOR CFPB ( EXPEREMENTAL ) 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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-22 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:
FOR CFPB ( EXPEREMENTAL ) 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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I keep getting phone calls and letters in the mail because our syndicated team that XXXX and every day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
ACCOUNT LIMITED TO WITHDRAWAL AMOUNT OF ONLY XXXX INSTEAD OF XXXX WITHIN 24 HOURS IT HAS BEEN MORE THAN A YEAR REPORTED IT TO BANCO POPULAR OVER THE PHONE AND AT A BRANCH SITUATION PERSISTS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: LEXISNEXIS
State: NJ

Complaint narrative:
The address below are fraudulent and do not belong on my lexis nexis CLUE report and needs to be removed immediately XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX usc 1681 says a consumer has a right to privacy, USC 1681b SAYS THAT A CONSUMER REPORTING AGENCY CAN ONLY FURNISH IN ACCORDANCE WITH THE WRITTEN PERMISSION FROM THE CONSUMER.So that being said the remove of these claims below should be in effect immediately Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX Claim Number : XXXX I request that you investigate and remove these 3 fraudulent inquiries from my client 's credit report immediately. I also request that you provide my written signature and my authorization. Find my signature, I also request that you provide us with all relevant documentation related to these in LexisNexis. Under 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I didn't give XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, permission to go into my LexisNexis report so my privacy has been violated under The Privacy Act of 1974 The Privacy Act of 1974, a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. List of inquiries that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: VA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint against Affirm due to their unacceptable behavior and poor customer service. Despite my repeated attempts to resolve a payment dispute, Affirm has consistently failed to address my concerns adequately. They have closed out cases without responding and claim I am overdue on a payment that is still in dispute. 

I have informed Affirm multiple times that the issue is resolved, yet they continue to prevent me from making the payment and have marked it as late. As a result, they have disqualified me for having late payments. I always pay on time and usually in advance on my payday. If Affirm does not allow me to pay for the disputed item, my hands are tied. 

Additionally, I have faced rejection letters when checking my purchasing power due to this ongoing dispute, which I believe is unfair. Furthermore, I have been attempting to close out my Affirm card after paying off all items in XX/XX/year>, but I have not received any answers regarding what is holding up this process. 

I have warned Affirm multiple times that I would contact the CFPB due to their poor customer service, but they have not shown any concern. I request the CFPB to intervene and help resolve these issues promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

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 2024-05-22 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: 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I started a new lease with Ally financial and I get the welcome letter in the mail to set up my online account. When going to set up the account I get an error message. I call customer support and they say that this is a known issue that has been around for a week and they will fix it... eventually. Paying online through their website is the only secure way to pay without a fee. my current bank does not have bill pay and if I want to pay over the phone Ally wants to charge me {$4.00} for something that is clearly their fault. The other option is to send an in an automatic payment form by mail which is insecure. They refuse to give an ETA for when I will be able to access my account information.

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 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX CREDIT CARD STARTIN XXXX OPENED AN INVESTIGATION ON XX/XX/2024 NO ACTION HAS BEEN TAKEN ON MORE THAN 30 DAYS ACCOUNT SHOULD BE REMOVED INMEDIATELY SIN XXXX XXXX HAS VIOLATED A CREDIT REPORTING RULE. WHEN AN INVESTIGATION EXCEEDS 30 45 OR 60 DAYS AND THE BANK DOES NOT RESPOND IT IS NO COMPLAYING WITH THE CREDIT REPORTING OVERSEEING LAWS

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 2024-05-22 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: IL

Complaint narrative:
I was reviewing my consumer report and noticed inquiries that does not belong to me.

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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Solicited Card Members can receive a Free Night Award of XXXX XXXX XXXX points after a spend of {$4000.00} or more in qualifying purchases are made on the Card within 4 months of accepting this offer. I accepted this offer on XXXX XX/XX/XXXX, so I should have until XXXX XXXX to meet the XXXX dollars requirement, but amex told me Upon reviewing your account, I see the case that was previously submitted. It appears that as per offer terms, the spending threshold is from the offer starting date which was on XXXX until XXXX that's why the spending that was counted was until XXXX only totaling {$3700.00}. I spent more than XXXX dollars during the 4 month period, but they don't want to issue the free night. 

The Amex chat team confirmed I have till XXXX XXXX XXXX to meet the spending XXXX dollars requirement on XXXX XX/XX/XXXX. I have attached the screen shot.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
I have repeatedly filed disputes with credit bureaus disputing the bill! They just keep changing the date the debt opened! They claim I owe {$4400.00} for a XXXX bill opened on XX/XX/XXXX and went into collections XX/XX/XXXX! After I disputed the debt as not mine they changed the opening date to XX/XX/XXXX and still never sent me a detailed bill! I have XXXX XXXX starting in XXXX up to XX/XX/XXXX when I switched to XXXX XXXX XXXX I even took my phone numbers with me to XXXX XXXX XXXX! They paid for us to switch! They claim I became late and in collections as of XX/XX/XXXX! If that was true how did I have service til XX/XX/XXXX when I switched and took my numbers with me! My phones and accounts would be canceled! I have contacted them several times by phone and they wont give me a detailed bill or investigate the bill! Its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX XXXXXXXX ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) - XX/XX/XXXX XXXXXXXX XXXX - XX/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 2024-05-22 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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> 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 2024-05-22 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:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank by J.P Morgan yes indeed I have been banking with that company for years more than 10 years and all sudden this year I call them to asked them to help me with XXXX, just so I can receive a money that my XXXX from the XXXX XXXX XXXX XXXX owed me. And ever since I have called Chase Bank on that Topic, Chase bank Customer Service responded to me that same day on the phone telling me how my account was restricted and no further details on why my account was restricted. But never Chase Bank called me or emailed me any information regarding about restricted my account. And I called last week and no one answered my calls, so yesterday morning I decided to pay chase Bank a visit and Sat down for hours and finally day told me that my account is Closed and that in 7 business days I will receive a check on the Mail. I asked really is that so, you mean I am kicked out the bank an the Clerk answered yes you are not to bank with Chase ever again. So I left on my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TN

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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