vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have been a victim of identity theft. I have filed identity theft report with the FTC.GOV website and all XXXX credit bureaus. There are several credit inquiries I did not authorize and are not linked to any existing accounts. I have reach out to all the credit bureaus and to the companies falsely reporting this information without my consent on my credit report. 

The companies are as listed : XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
I have been a victim of identity theft. I have filed identity theft report with the FTC.GOV website and all XXXX credit bureaus. There are several credit inquiries I did not authorize and are not linked to any existing accounts. I have reach out to all the credit bureaus and to the companies falsely reporting this information without my consent on my credit report. 

The companies are as listed : 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

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 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased airlines tickets to travel around XX/XX/2022 from XXXX. I used the method of payment Affirm. it was a total of around {$440.00} Booking # XXXX Affirm pay XXXX however I had a family emergency and I was not able to travel so I cancelled my booking and requested a refund to Affirm. I communicated via email with XXXX requesting this cancellation and they approved it and proceed to send a refund to Affirm which it never happened. I have tried many time to contact XXXX regarding this issue and they all said that the refund was granted yet my credit now has been affected with a collection for apparently not paying Affirm for something I never used and was told the money it was going to be returned back to the original form of payment which it was Affirm. I also spoke to members of Affirm explaining everything and how I never used the money or traveled but they told me that they would wait for cheapoair to refung them their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OLIPHANT FINANCIAL, LLC
State: SC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer reports as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible purposes of consumer reports ( a ) IN GENERAL. Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave Oliphant USA LLC any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTIY THEFT. As a consumer Im demanding the deletion of the account listed IMMEDIATELY! Oliphant USA LLC {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

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

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  account, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Over the past month, this debt collector, One Main Financial, over the past 4 weeks have attempted to call me multiple times per week, in some cases as many as 4 times per day, all within the hours they are allowed, but exceeding 7 times per week. 

They are repeatedly violating the FDCPA. Here is one month 's worth of call attempts. 

For the week of XXXX to XXXX they have attempted to reach me XXXX times ( with a day to go ) For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK
State: GA

Complaint narrative:
Around XX/XX/2017 some opened a credit card with Discover without my knowledge. I disputed the account and Discover refused to remove the card, even though I have a police report and supporting documents proving the account is not mine. The account was opened in Hawaii. Which I have never lived there. Also I have Submitted Disputes with XXXX XXXX XXXX and XXXX  and have received the same results, along with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have received a copy of my credit report and have noticed that the following item to be an error. I have contacted the three Credit Bureau to have the item removed. The mail sent the Credit Bureau were on XX/XX/2022. Only two Bureau removed the item but Experian still holding the item on my report. The item is XXXX XXXX XXXX XXXX for the amount of {$370.00}. 

I have attached the report from the 3 bureau and you will notice that the items are not seen on the other two bureau. 

Thank you

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 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: OR

Complaint narrative:
I am disputing US Banks exercising the use of " right of Offset ''. On XX/XX/2023 US Bank charged my US bank Business checking account for {$7600.00}. There are several laws that prohibit the 'right of offset '' for non-secured consumer credit, such as credit cards. Here are a few : - Federal Reserve 's Board Regulation Z, 12 CFR Section 226.12 ( d ) ( 1 ).

- Truth and Lending Act. 
- Fair Debt Collection Practices Act. 

I called them immediately stating I dispute their use of " right of offset '', I also sent them a response letter on XX/XX/2023 stating I dispute their use of the 'right of offset '', and listed items that by law must be presented to legally prove their actions. They only left me with {$200.00} dollars in my account, when I complained about not being able to pay my mortgage, they sent me a check for {$1900.00}, 25 % of the total that they withdrew. After 5 more phone calls over the next couple of weeks, they could not give me an update, nor had they given me any documentation proving the legality of their use of the " right of offset ''. 
Finally, the last woman I spoke with said that I was sending all of this information to the wrong place and gave me a fax number, and a different address. I sent all of the information again to the new address and fax number on XX/XX/2023. They responded on XX/XX/2023, through the letter I have attached. 
The letter gives no legality of US Banks use of the " right of offset. They claim I gave them authorization when I signed up for the Credit Card. They sent me a copy of a contract, without my signature or date on it, they allege that they are able to use the " right of offset '', But in the very next paragraph of the contract it states that the right of offset does not apply " to a debt that is created by a consumer credit transaction under a credit card plan ''. I am disputing US Banks exercising the use of " right of offset ''. It is not legal in this instance.

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 2023-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
I am writing to file a formal complaint against McCarthy, Burgess & Wolff regarding their actions that have violated my rights under federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am seeking relief and monetary damages for the following violations : Unauthorized Collection Account and Inaccurate Reporting : McCarthy, Burgess & Wolff has reported an account on my credit report that is not mine and is inaccurate. This fraudulent reporting has negatively impacted my creditworthiness and financial standing. I did not provide any permission for this account to be reported, nor was I notified that such reporting would occur. Obtaining Personal Information Without Consent : I discovered that McCarthy, Burgess & Wolff obtained my personal information without my consent and opened an account in my name. This unauthorized access to my personal information is a violation of my privacy rights and raises serious concerns about their practices and compliance with federal laws. Failure to Verify and Validate Debt : Despite my request to McCarthy, Burgess & Wolff to provide verification and validation of the alleged debt, they have failed to provide any supporting documentation or proof of the debt 's validity. This failure to comply with the FDCPA 's requirement to verify and validate the debt is a violation of my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Portfolio Recovery Services started calling me about an alleged debt of {$2500.00} in XXXX of XXXX. I did not recognize the name of the company they were contacting me about ( " XXXX '' ). They told me that it was for a XXXX credit card. I do not HAVE a XXXX credit card. I contacted XXXX to inquire. They looked at my account and said that not only is there no XXXX attached to my account, but that they don't have XXXX credit cards with XXXX, only XXXX. They showed me where it would appear on my sign on page if I did have an account and nothing is there. Moreover, there is no record of this account on my XXXX credit report - no open account, no closed account, nothing. 
I received a letter from XXXX XXXX law firm saying that they purchased my debt fro Portfolio Recovery services. I disputed their claim, explaining what I explained above and requested debt validation because I did not have a credit card with XXXX. Their only response was to issue a subpoena to notify me that they were suing me. I sent them ANOTHER debt validation request on XX/XX/XXXX. To date, I still have not received info. How is it legal to sue someone for a debt that there is no record of, other than from the service they bought the debt from? The company who supposedly issued the card says that there is no debt, the bank branding the card is not on my credit report and there is no proof provided from the law firm or debt collection agency. Portfolio recovery just appeared out of nowhere on my credit report with no card linking it to me on the report. By their actions, anyone can assert that someone owes them money with no proof and then call collections. 
I have disputed this with XXXX, with XXXX, XXXX XXXX and will be with Portfolio Associates. I also plan to meet with an attorney and counter sue them unless they cease and desist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Unauthorized Credit Inquiry Dear TransUnion, I recently received a copy of my Tranunion credit report. The credit report showed credit inquires by your company that I do not recall authorizing as shown listed below. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately.

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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing in regard to an issue I have encountered with flex pay plans on Citi credit cards. If you attempt to set up a flex pay plan for a transaction posting near or after your statement closing date, the system automatically adds a minimum finance charge of {$0.00} to your account. As Citi flex pay plans include the finance charge in the payment amount, I can see no point to this additional charge. It strikes me as a glitch. 

Each time I have encountered this issue, I call customer service. They can provide no plausible explanation and eventually agree to credit the fifty cent minimum finance charge back to the account. 

While on a personal level this is a paltry sum, it struck me that multiplied by millions of instances over years, the amount becomes less trifling.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I have reported to all three credit repoting agencies, that TD Auto Finance was opened in my name without my consent. Attached with be the police report and FTC report to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Account number XXXX has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 unc 1681 section 604 a section 2.

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