vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried on 2 separate occasions months apart trying to request my Free Annual Credit report online from Equifax only to be told continually year after year to contact them directly in order to receive my report. This is not the first time this has happen and I'm sure I'm not the only consumer experiencing this same issue. If certain reporting agencies are exempt from providing credit reports online, please note this on the free credit reporting web site so consumers stop wasting their time. I get tired year after year going through the process of filling out all of my personal information online, then submitting it only to be told to contact Credit Agency directly every time. Personally, I feel it is just some scam to make consumers call the credit agencies reps to hear about their latest products or services their selling before getting your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XX/XX/2023, I received an alert from XXXX XXXX XXXX about a new loan -- a loan that I had not applied for. This is in addition to the fraudulent use of my personal information discovered in XX/XX/2023, prompting credit freezes and fraud alerts placed on the three major credit bureaus and filing a police report. I investigated this new " loan '' to discover it was report to XXXX XX/XX/2023, but not available on the report or alerted until XX/XX/2023. The loan was acquired through Affirm , Inc . I called Affirm to report the fraud and learned that the number used to verify identity with my stolen information was not my number. An online portal using Affirm subsidiary, XXXX XXXX, allowed this loan to go through. I have disputed this with Affirm/XXXX XXXX as well as XXXX and am awaiting resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: TX

Complaint narrative:
Experian continues to keep an account with incorrect information on my credit reports. After multiple dispute attempts that take 24 hrs or less to verify. I sent a 609 letter to experian asking for documentation of the account and for the account to be removed if tge documentation could not be provided in 30 days under section 609 of the fcra.

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 2023-04-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I contacted XXXX to determine my correct balance with is current and accurate. 

I update Experian that my BAL on the Creditor XXXX was incorrect- my BAL was lower than reporting which is accurate. I took a screen shot before I submitted the dispute and another screenshot afterwards. Experian update the BAL to the correct information and I reviewed concerns of irregular reporting from creditor and/or report. 

Once my BAL was update from XXXX to XXXX due to Experian incorrect reporting- my credit score was then drop XXXX  points. I made a complaint to Experian directly and I was told there is nothing they can do. 

I explained to Experian this was an error on their part- in fact illegal to report in accurate information and I request information to reflect the reason for decrease in score. 

I was informed they would look into it. Please assist me in rectify this error.

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 2023-04-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: NY

Complaint narrative:
I am writing today concerning the following incorrect information on my file, which is a closed XXXX XXXX XXXX, this was opened on XXXX XXXX  and was closed in the amount of {$3100.00} and a collection by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the amount of {$740.00} which was opened on XXXX XXXX. I am an unfortunate victim of identity theft due to the fact that i had no knowledge or participation in the opening and closing of these accounts, as a result, i went to identitytheft.gov as soon as i was aware, which was of XX/XX/, to report these incorrect reports that adversely affect my public confidence.

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 2023-04-18 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: FL

Complaint narrative:
I have attached an FTC report with fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 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: NJ

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I sold the XXXX  XXXX XXXX to XXXX XXXX XXXX at XXXX XXXX, Michigan in XXXX. XXXX and they transfer XXXX dollars from their Chase business account to my personal Chase checking account. On XXXX. XXXX, it said the money is delivered on the dealer end but i never got it so i went to a branch ; the advisor said give it another day. Today is Tuesday, the XXXX. The money is still missing and I made my second trip to the branch and got the same response : wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
In XX/XX/, I received the first collection mail from the creditor name One Main Financial for the loan amount {$12000.00}. I ignored the first letter doubting and thinking it could be a scam. Upon receiving the second mail on XX/XX/, demanding the loan amount {$14000.00}, i took the letter content concerning. i called the creditor Customer service to enquire about and dispute .After questioning and informing that neither i applied for the loan nor i took the money. The One Main agent XXXX, to my response informed me that i had provided my Social Security ID, along with my Identification and W2 form from XXXX. I have the recording of the call. One Main claimed that the W2 form from XXXX was submitted, whereas i have never worked at XXXX but only in Service sector. I disagree and claimed that the loan was taken by me and i have never taken any loan in my life, then the agent stated that it could be fraud. My call was transferred to One Main Financial fraud department. Then i spoke to the One Main Financial fraud department agent name XXXX, I was instructed that One Main agent will file a fraud case for the victim of fraud .I was asked to submit, an notarized affidavit along with a photo copy of my State ID, proof of resident ( XXXX  mail ) and Social Security , and inclusion of police report However i could not file a police report as i needed the location of information and the time of fraud. 
I called couple of time to One Main to request the information of the time and the location of fraud. They were not confident to provide the information but only the time of opening an account and the date. On XX/XX/2022, Time XXXX XXXX XXXX the account was opened. Going back and forth with One Main agent, it delayed me to file a case at the Police station. 
The first investigation was submitted without the police report. Their investigation was concluded the police report was missing, and the loan application was not a fraud case but it was valid, which i still disagreed and dispute. 
Since i had Police report, i disputed the first investigation conclusion. On my second dispute I submitted the Police report. The second investigation was again concluded with statement that the account was not fraudulently obtained and remained a valid debt in my name. 
I sought help from XXXX, their investigation was concluded stating that the loan was obtain by me. 
The creditor One Main account information is still showing under my credit report. 
Since i have drained my source of help, I request CFPB to help me investigate to the depth. I do not own a debit account other than XXXX bank. I have not loaned above mentioned amount ever in my life. 
I am the victim of Identity theft and fraud case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Hello, I have an auto loan with Bridgecrest for about {$13000.00}. 

Due to a combination of extreme circumstances, including my job requiring me to go into the backcountry off grid and my father passing away, I missed several of my monthly payments, to the point where I'm about {$2000.00} behind. 

Additionally, while inflation and the cost of living has drastically increased, my salary has remained the same. Given these higher expenses, the auto loan was harder and harder to afford. 

Still, I have saved about {$5000.00} and I am trying to pay Bridgecrest that amount, which is {$3000.00} MORE than what I owe. They are refusing to accept anything other than {$13000.00}. 

Bridgecrest said they " charged off '' the loan and that they want to repossess the vehicle. I asked them multiple times for a reinstatement quote and they refused. I asked them if I could pay {$5000.00} to them immediately, and they refused. If I lose my vehicle I will lose my job, i absolutely can not lose it. All I want to do is pay what I owe and they won't let 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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: First Technology Federal Credit Union
State: TX

Complaint narrative:
A Account was open in my name in XXXX by a bank named first tech federal credit union that I was not aware of or gave anyone permission to open this bank account. A week later a debit card was sent to my residence. I called the bank and let them know they said I called after hours and we need to call back. A couple days later I called back and They said I would have to go to a sister bank because this bank was not even in my city. Before I could reach out to this sister bank in my city I received an other letter stating that this bank account was - {$13000.00}. I just got off the phone with them today I was able to report fraud again and they stated I would have to get on this website identity theft.gov and reported as well. This is a lot of money and its going to affect my credit score and other places of me trying to open an other bank account in the future. As far as right now, they wont give me any information on who or where they know or what they spent the money on until further investigation I was trying to find out where the money was spent so I know what calls to take because Ive been receiving so many calls and at this point, I dont know which ones are fraud and which ones are related to this account?

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 2023-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
A young lady called me stating that a company called XXXX associates have been trying to contact me to deliver a notice to serve. I called the number and a man answered stating legal action for a debt amount of {$8000.00} for a signature loan to Citibank. 

I have never owned or had any relationship with Citibank, I am not sure what this is about, the man stated the loan was taken out in XXXX  State, of which I have not lived in XXXX in over 6 years. 

The man stated that legal action has been taken against me, but no other information was provided. He stated that I would be served with papers to appear in XXXX  court. 

I live in XXXX and I am not sure what this means. I would like any help and assistance. 

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 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XX/XX/2023, i received correspondence from Complete Payment Recovery Services , Inc. in regards to a debt owed for {$1000.00} stating is being reported in a national check verification database. Client is XXXX. States check # XXXX, Between XX/XX/XXXX,, XXXX  and today. 

Please note this a form of Identity Theft, i was notified by XXXX  XXXX XXXX in the XXXX week of XXXX about possible fraud on my credit cards and accounts, as such, i had to close my checking, savings account and two credit cards i had with XXXX  XXXX XXXX. 

I can be reached at XXXX XXXX XXXX my home land line. and by cell XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA 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 2023-04-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, and XXXX XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-04-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/2023, I received a debit card from Capital One for an account I did not open. I called Capital One the same day and reported this as fraud. In addition to the opened accoiunt, a credit card application through Capital One was still in process. I checked my credit report and found hard inquires from Capital One for these accounts. I have been assured that this bank account and credit card are either closed or canceled, but I have not received the promised letter to me and the credit bureau regarding this fraud, and it remains on my report. I have disputed this several times with XXXX without any notable investigation or success, although I have had success with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I paid for a couch from XXXX XXXX with Synchrony Bank credit card. 

I did not get what I paid for. The couch was damaged. I paid for a brand-new custom-made couch. 

I asked XXXX XXXX to remove the damaged couch and they refused. 

I disputed the charge and requested a refund. 

XXXX XXXX has recently agreed that the couch was damaged when I received it and has offered to give me a new couch and allow me to keep the old one. 

I don't choose to have either. 

I did not get what I paid for. I would like a refund. 

Please note that I have been paying this bill monthly while I am disputing this charge.

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have had great payment history with this card ever since I have opened it XX/XX/XXXX. I paid the account to XXXX on XX/XX/XXXX, and have since been receiving late fees as well as delinquent credit reporting for this card for fees that are being added to my {$0.00} balance making it appear that the account is delinquent. My available balance was also decreased in XX/XX/XXXX from XXXX to XXXX which also negatively impacted my credit score. I have not made any new charges to this account since XXXX.

Company response to consumer: Closed with monetary relief