vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate XXXX  account number XXXX date open 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 2024-02-28 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-02-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: MARINER FINANCE, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX I was illegally served court documents at my home from Mariner Finance as they filed judgement against me for a personal loan I could not pay ( server threw them on the porch and ran away ). On XX/XX/XXXX a settlement agreement was made and signed by myself and Mariner with the agreement to drop the judgement. XX/XX/XXXX I made a one time payment of XXXX to Mariner to settle the debt and have it removed from my credit report ( attorney confirmed it would be removed ). On XX/XX/XXXX I received a statement in the mail from Mariner with a balance of XXXX, I immediately took a picture and reached out to their attorney XXXX XXXX to find out why I was receiving this after I had settled the debt. XX/XX/XXXX XXXX XXXX states it is an automated thing on Mariners end, that the account had been marked settled on XX/XX/XXXX with Mariner and that this automated letter was sent prior to them entering the settled status. XX/XX/XXXX my credit report was pulled as I am trying to buy a home. It showed on credit report a balance of XXXX listed for Mariner and the account was listed as open, and they were still reporting it as in collections every single month. On XX/XX/XXXX I contacted XXXX XXXX for a copy of all documents from the settlement, I called Mariner at the main number ( XXXX ) and spoke with XXXX. She stated that they never received the settlement paperwork stating the debt was settled. Contacted XXXX XXXX who stated that was not true that the paper work was sent on XX/XX/XXXX and provided documentation of that. She sent it to the XXXX branch again and states balance is null and void due to settlement. XX/XX/XXXX It is still showing the account on my credit report, I called Mariner again and again spoke to XXXX who stated she did not know why the attorney would say it would be removed from my credit report that they do not even do that. Gave no answer as to the balance, and just stated she would have to call the district manager by the name of XXXX. No response from anyone at this point. My credit is destroyed now due to Mariner falsely reporting the debt not just once but twice now, and reporting it as it is in collections still when the debt has been settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
OnXX/XX/2024 I reached out to Webster Bank. I spoke with the Branch manager and requested a copy of my 1099int for filing my taxes. XXXX XXXX, Director Banking Center ManagerNMLS # : XXXX Webster Bank | XXXX XXXX XXXXXXXX XXXX, XXXX, CT XXXX XXXX dlouellette @ XXXX. I was surprised at how little the interest was. XXXX dollars for the year on a {$30000.00} balance. I proceeded to ask why it was so low and was informed that they locked in a rate of .001 % on my accounts. There were XXXX different accounts, XXXX money markets, savings, checking. I asked why the money markets and others were locked in when a money market was supposed to change with the market. I was informed that I had to ask if I wanted the interest rate to change. however if I opened a new account it would be higher and other people 's accounts have changed and they even would negotiate higher interest rates to be competitive. I was also told there was some sort of changeover that I was not told about and if I had come in the rate would have changed. They were not willing to talk or do anything about compensating me after being a client for XXXX years. I can not believe this type of behavior would be within the spirit of the law governing the finance banking world. If you can help to rectify this problem it wouold be greatly appreciated.Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: IN

Complaint narrative:
XXXX XXXX XXXX is the individual who is representing discover financial services. He works for XXXX XXXX and XXXX XXXX, XXXX. 
XXXX XXXX has submitted information to the court in a court case where discover is suing me for an amount that I have submitted evidence is incorrect. He also claims that his client did not send information that I have received in reference to the allegations I have made against discover financial services. The paperwork that I have submitted is from his client that his client claims they did not send at this point in time. 
This particular XXXX has attempted to extort close to XXXX from me and then admitted to a clerical error. Now its over XXXX I submitted a complaint originally with XXXX in reference to discover and they have falsified information to the CFPB which I will be fine, filing another complaint in reference to that Response from discover financial. 
The fact that discover has sent me this information, enlisted other entities to do the same and yet denies it is consumer to be able to protect themselves. 
Im not sure if council is advising his client to deny, or if the client which is discover financial is merely denying because they dont think they have to own up to what theyve sent which could be considered deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: THRIVE MORTGAGE, LLC
State: CO

Complaint narrative:
I've been making monthly payments on time for over a year. My initial XX/XX/XXXX statement ( received XXXX ) was normal. However, I received a new statement on XX/XX/XXXX stating I owed {$23000.00}, which included my regular monthly payment and 6 past due monthly payments. Since then, I've received certified pre-foreclosure notices, late fee notices, XXXX solicitation notices, ACH deletion letters, and a breach letter ( XX/XX/XXXX ). I've called Thrive multiple times ( XX/XX/XXXX and XX/XX/XXXX ) to resolve this and provided my payment history showing I have never missed a payment. However, they have not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these account. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : 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 2024-02-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ct,XXXX  ( XXXX ) XXXX XXXX XX/XX/2024 JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX Re : Disputed Debt, Consumer Rights Violations, Request for Validation, Revocation of Communication Consent, Licensing/Bonding Request Dear Jefferson Capital System and Consumer Financial Protection Bureau , I am writing to dispute any and all alleged debts that Jefferson Capital System claims I owe. I am also formally filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), as I believe Jefferson Capital System is engaging in practices that violate my rights under the following consumer protection laws : * 12 CFR 1006.34 ( b ) ( 5 ) : ** Prohibits debt collectors from misrepresenting the amount of debt owed.

* 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** Prohibits debt collectors from communicating or threatening to communicate false credit information.

* 12 CFR 1006.34 ( d ) : ** Prohibits debt collectors from using obscene, profane, or abusive language.

* 15 USC 1681-S2 ( 7 ) ( A ) : ** Prohibits debt collectors from misrepresenting themselves as associated with any governmental unit or administration *Revocation of Communication Consent* I am hereby revoking all previous consent for Jefferson Capital System to contact me via email, text message, or telephone. In accordance with my rights, any further communication must be done in writing via the United States Postal Service.

*Debt Validation Request* Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Jefferson Capital System provide the following information to validate this alleged debt : * The name and address of the original creditor * The original amount owed * A detailed breakdown of how the current amount was calculated ( including interest and fees ) * A copy of the purchase agreement between Jefferson Capital System and the original creditor *Licensing and Bonding Information* I also request that Jefferson Capital System furnish proof that it is properly licensed and bonded to operate within the state of Connecticut.

*Formal Complaint and Further Action* I believe the actions of Jefferson Capital System constitute serious violations of my consumer rights. I intend to pursue all available legal remedies if Jefferson Capital System does not immediately cease its unlawful collection practices, remove any inaccurate information from my credit reports, and provide the requested information. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I submitted a dispute to Equifax regarding an re-insertion of an account that was previously removed. I submitted a new dispute and Equifax male representative name XXXX stated my FTC report was not valid but could not explain why. I then contact FTC and notified them of what Equifax stated and was informed that was not true information. 

The representative submitted a new FTC report for me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the payment history associated with my commercial relationship with XXXX XXXX XXXX . The accounts in question are : XXXX, XXXX, and XXXX. I previously disputed this information in XX/XX/XXXX, however, the issue remains unresolved. 

My complaint pertains to the late payments reported on these accounts. In response to my dispute, XXXX provided ledgers and payment histories for each account. However, I wish to clarify that my initial request was not for validation, but for the prompt removal of late payments as mandated by 15 U.S. Code 1666b.

Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements, including payment due dates, are provided to the consumer no later than XXXX  days before the due date. Given that these accounts are open-ended credit plans, any late payments reported should adhere to this requirement. 

Moreover, I believe that XXXXXXXX XXXX actions violate my right to privacy as outlined in the Privacy Act of 1974, 5 U.S.C. 552a. Specifically, disclosure of my financial records to consumer reporting agencies without my prior written consent is prohibited, except under certain circumstances which do not apply in this case. Additionally, XXXX failed to inform me of my right to exercise nondisclosure options as required by 15 U.S.C. 6802 ( b ) ( c ).

Furthermore, I assert that XXXXXXXX XXXX  reporting of adverse information, such as late payments, without my authorization violates 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits the inclusion of certain adverse information in consumer reports without consent, particularly information that exceeds XXXX years. 

In light of these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX. I also request that the late payments be promptly removed from my credit reports and that XXXX be held accountable for their failure to comply with federal regulations regarding privacy and credit reporting. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2024-02-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the payment history associated with my commercial relationship with XXXX XXXX XXXX . The accounts in question are : XXXX, XXXX, and XXXX. I previously disputed this information in XX/XX/XXXX, however, the issue remains unresolved. 

My complaint pertains to the late payments reported on these accounts. In response to my dispute, XXXX provided ledgers and payment histories for each account. However, I wish to clarify that my initial request was not for validation, but for the prompt removal of late payments as mandated by 15 U.S. Code 1666b.

Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements, including payment due dates, are provided to the consumer no later than XXXX  days before the due date. Given that these accounts are open-ended credit plans, any late payments reported should adhere to this requirement. 

Moreover, I believe that XXXX XXXX actions violate my right to privacy as outlined in the Privacy Act of 1974, 5 U.S.C. 552a. Specifically, disclosure of my financial records to consumer reporting agencies without my prior written consent is prohibited, except under certain circumstances which do not apply in this case. Additionally, XXXX failed to inform me of my right to exercise nondisclosure options as required by 15 U.S.C. 6802 ( b ) ( c ).

Furthermore, I assert that XXXXXXXX XXXX reporting of adverse information, such as late payments, without my authorization violates 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits the inclusion of certain adverse information in consumer reports without consent, particularly information that exceeds XXXX years. 

In light of these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX. I also request that the late payments be promptly removed from my credit reports and that XXXX be held accountable for their failure to comply with federal regulations regarding privacy and credit reporting. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the payment history associated with my commercial relationship with XXXX XXXX XXXX . The accounts in question are : XXXX, XXXX, and XXXX. I previously disputed this information in XX/XX/XXXX, however, the issue remains unresolved. 

My complaint pertains to the late payments reported on these accounts. In response to my dispute, XXXX provided ledgers and payment histories for each account. However, I wish to clarify that my initial request was not for validation, but for the prompt removal of late payments as mandated b

y 15 U.S. Code 1666b. Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless reasonable procedures are in place to ensure that periodic statements, including payment due dates, are provided to the
consumer no later than XXXX  days before the due date. Given that these accounts are open-ended credit plans, any late payments reported should adhere to this requirement.

Moreover, I believe that XXXXXXXX XXXX actions violate my right to privacy as outlined in the Privacy Act of 1974, 5 U.S.C. 552a. Specifically, disclosure of my financial records to consumer reporting agencies without my prior written consent is prohibited, except under certain circumstances which do not apply in this case. Additionally, XXXX failed to inform me of my right to exercise nondisclosure options as required by 15 U.S.C. 6802 ( b ) ( c ). 

Furthermore, I assert that XXXXXXXX XXXX reporting of adverse information, such as late payments, without my authorization violates 15 U.S.C. 1681C ( a ) ( 5 ), which prohibits the inclusion of certain adverse information in consumer reports without consent, particularly information that exceeds XXXX years. 

In light of these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX. I also request that the late payments be promptly removed from my credit reports and that XXXX be held accountable for their failure to comply with federal regulations regarding privacy and credit reporting. 

Thank you for your 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 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
We own a company with a business checking account. We noticed withdrawals from our business checking account that were not authorized. These withdrawals were from a company named AFFIRM ( apparently a buy now pay later credit company ). 

Apparently a customer of AFFIRM illegally linked their AFFIRM credit card to our business checking account. How this can occur without any safeguards at AFFIRM is still a mystery. These transactions occurred from late XXXX into XXXX and totaled about {$10000.00} We notified our bank of these unauthorized transactions and they reversed many of the charges. 

We have also been in contact with a XXXX XXXX at AFFIRM and he too has returned " MOST '' of the charges to our account. 

However, we are now down to 4 transactions that our bank has tried to get back and AFFIRM has attempted to return but for some strange reason both banks " allegedly '' keep rejecting the transactions. 

It is very difficult to talk to anyone at AFFIRM in person because they won't release their phone number, they are extremely slow to respond to emails. 

I have copied both their CEO and CFO and they too do not respond. A XXXX XXXX and XXXX XXXX. Their emails are XXXX XXXX XXXX and XXXX XXXX XXXX We have now been dealing with this issue for 2 months and it is still not resolved. 

Someone needs to look into the security measures a company like AFFIRM have in place to ensure an account holder can not link their AFFIRM credit card to a completely unrelated business checking/savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: TX

Complaint narrative:
Collection still showing but creditor stating it was requested to delete

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