vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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 implore you to conduct a thorough investigation into this matter and promptly rectify this error. Your swift response to this issue is highly valued and appreciated.

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 2024-03-21 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Goal Structured Solutions, LLC
State: OR

Complaint narrative:
I signed an XXXX with XXXX XXXX to help pay for the remainder of my schooling. Repayment was contractually deferred ( XXXX ). Then the handler for my repayment switched from XXXX XXXX to Launch Servicing ( XX/XX/XXXX ). Since then, Launch Servicing has broken contract by making my XXXX a student loan/debt instrument. Also, Launch Servicing took me out of contractual $ XXXX monthly payments ( XXXX ) and created a seemingly random number for me to pay each month. By contract, I did not have to make these payments and was not expecting to. 

Then Launch Servicing began harassing me with multiple phone calls and emails every day. I did my part by providing all the information requested, but just wanted money from me that I did not contractually owe. Next, they threatened to degrade my credit score unless I back-paid this money. I was pressured into paying after they told me my score would be severely degraded in XXXX of XXXX I asked if my record would be clean and reflect so on my credit score, to which they verbally agreed it would. I paid ( XX/XX/XXXX ), but no mention of this XXXX ever showed on my credit report. I then stopped paying again, as I was contractually not supposed to be paying. 

However, the harassment for more payments continued. I expressed this was harassment, and they stopped. Then last month ( XX/XX/XXXX ), they reported missing payments as far back as early last year when they first started harassing me, even though they stated my account and reporting would be in good standing. I have tried to dispute this with XXXX ( the only credit bureau reporting on this ) as there was so much misinformation on what was reported, and it still shows on my credit. This took my credit score down substantially and is all based on false information. Lastly, Launch Servicing has since threatened that XXXX XXXX XXXX will now make the entire unpaid balance due and payable with the account defaulting. 

I've been in contact with a team of lawyers throughout this process and have been proceeding as suggested. According to them, there are many FDCPA violations here. This is why I am filing a formal complaint with CFPB and the XXXX XXXX. If you would like any specific material related to this complaint, please ask and I will gladly provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
These companies stole money out of my checking account with Alliant Credit Union on XXXX XXXX XXXX I did NOT authorize them and they need to be held accountable. The company information is as follows along with how much they each stole from me : XXXX XXXX  XXXX XXXX XXXX XXXX Stolen from me : {$270.00} {$1000.00} {$700.00} Phone number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA Stolen from me : {$980.00} Phone number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Stolen from me : {$450.00} {$630.00} Phone Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Stolen from me : {$650.00} {$200.00} Phone Number : XXXX XXXXXXXX XXXX XXXX Stolen from me : {$190.00} Phone Number : XXXX XXXX XXXX Stolen from me : {$680.00} {$170.00} Phone Number : XXXXXXXX XXXX XXXX XXXX  Stolen from me : {$330.00} {$170.00} {$250.00} {$170.00} Phone Number : XXXXXXXX XXXX XXXX Stolen from me : {$600.00} Phone Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
1. **Loan Details** : - Loan Amount : ** $ XXXX - Initial Deposit ( XX/XX/2023 ) : ** $ XXXX - Subsequent Deposits : - XX/XX/XXXX : ** $ XXXX - XX/XX/2023 : ** $ XXXX XXXX. XXXX XXXX XXXX : - Title Bucks claims the total loan amount is ** $ XXXX. 

3. **Payoff Information** : - Payoff Amount : ** $ XXXX - Principal Payment : ** $ XXXX - Interest : ** $ XXXX XXXX. **Payment Schedule and Communication** : - Title Bucks refuses to provide a balance payoff or schedule payments until the middle of the month. 
- Management urged you to hurry up and pay, even asking if you had a tax return to use for payoff. 

Payments Detail YTD {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson Capital was found on my credit report a total of four times. One states XXXX, 2 as XXXX XXXX  and one as a iXXXX XXXX. I wrote Jefferson Capital being I have not one heard of this company before and two, I have no idea what these debts are for. I specifically asked for a validation of these accounts by terms of a contract baring my original signature and date of last delinquency as it is not being reported. This company has violated my rights under 15 USC 1681S-2 inaccurate reporting. They have failed to provide documentation of Validation of Debt upon request. They have failed to comply to the law that states that written permission be given from the consumer. I have never had a contract with this creditor I am not liable for this debt. My request is for them to remove and delete this account from all 3 credit reporting agencies, XXXX, XXXX and XXXX. I do not have any documentation to present as stated prior I do not have a contract with this creditor. Nor have they provided any documentation that I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Torrid credit card not mine, dont know who they are. Opened XXXX never paid {$350.00} XXXX opened XXXX owed {$1400.00} XXXX XXXX opened XXXX owed {$590.00} These do not belong to me all my other cards were paid off and on time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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:
Consistently, I've made sure payments on this account are made on time, preventing any overdue instances. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, these should be rectified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-03-21 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN 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 2024-03-21 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX* 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN 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 2024-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My identity was stolen in XXXX and used to open a series of retail electricity accounts in XXXX, Texas. Two of those accounts were opened in XX/XX/XXXX with XXXX XXXX XXXX. I never authorized those accounts and had no knowledge of them. In XX/XX/XXXX, those accounts were reported to the credit bureaus as being in collections with LVNV Funding. I disputed this with the credit bureaus, and LVNV Funding falsely said they had verified the account as being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Associated Credit Services, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy ( 15usc1681 ( section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written Instructions under 15 uscs 1666b a payment on a credit card account under an open end consumer credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I opened a savings account online with Affirm on XX/XX/2024. I added monies into account a few times. Now, my account is FROZEN!! When I call I do not get an adequate reason why. I received an email on XX/XX/2024 to verify my account with State issued ID front and back, and a self taken picture on their Net Verify link and sent them that evening. 
This is from the email ; To complete verification on your Affirm account, submit the information listed below within XXXX days through this link before it expires : https : XXXX? XXXX -- XXXX & locale=en-US I did set up auto payments weekly from this account to another bank for my auto loan. XXXX was sent successful. 
The first time I called the woman said something about " laundering '' money ''! Other call representatives just say they will escalate to another department. I requested a supervisor and she said same thing. The number I have been calling is XXXX. I also called XXXX XXXX Bank at XXXX, who is listed as the bank that holds the money. XXXX said the bank has nothing to do with deposits just loans for Affirm. Currently my balance is {$2900.00}. I opened this account because they offered a higher interest rate than my bank. 
I am XXXX and on Social Security so this money is almost all I have and is crucial to my quality of life, I do not have the whole account number due to account frozen and can not see it. I have the last XXXX numbers only. The Routing number is XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XXXX XXXX  card not mine, dont know who they are. Opened XXXX never paid {$350.00} Syncs/tjxdc opened XXXX owed {$1400.00} XXXX XXXX opened XXXX owed {$590.00} These do not belong to me all my other cards were paid off and on time

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 2024-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX  credit card not mine, dont know who they are. Opened XX/XX/year> never paid {$350.00} XXXX/XXXX  opened XX/XX/year> owed {$1400.00} Capital one opened XX/XX/year> owed {$590.00} These do not belong to me all my other cards were paid off and on time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: CA

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-21 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:
Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

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 2024-03-21 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:
TO TRANSUNION, I recently went through my credit report and I observed a lot of inaccuracies and unauthorized reports on my profile. In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions THE ACCOUNTS LISTED HERE HAVE VIOLATED MY CONSUMER RIGHTS AND I NEED IT OFF MY REPORT EFFECTIVELY. 

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 Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX BANK Account number XXXX Account name XXXX XXXX Account number XXXX By law, consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a " respect for the consumers right to privacy ''. 
PLEASE SEND ME A COPY OF MY UPDATED REPORT TO VERIFY AND CONCLUDE THAT MY CONSUMER RIGHT TO PRIVACY IS RESPECTED AND CONTINUES TO BE PROTECTED.

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