vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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: MI

Complaint narrative:
I received a copy of my credit report and I noticed several incorrect accounts. I have reported this to the credit bureaus, and they have added a fraud alert to my account. I have also begun the process of calling each lender/creditor to inform them that I did not open these alleged accounts. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$270.00} Capital XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00}

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 2023-02-24 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a copy of my credit report and I noticed several incorrect accounts. I have reported this to the credit bureaus, and they have added a fraud alert to my account. I have also begun the process of calling each lender/creditor to inform them that I did not open these alleged accounts. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$270.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: FL

Complaint narrative:
In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
XX/XX/2022 I purchased XXXX XXXX XXXX who then sent me to Affirm for a loan for the product. Before 30 days, I found out from my dentist that I would not be able to use the XXXX XXXX XXXX and cancelled the product and provided a letter from my dentist. I received an email from Affirm stating that the loan was confirmed but would not be processed until XXXX XXXX starts to process my order, which could take up to 30 days. I cancelled the order withing that 30 days, and have spent the past 6 months fighting with them about not making payments to the loan for the cancelled product. They have emailed, reported late payments to the credit bureau and now sent my account to collections for missed payments, in spite of my continuing to correspond with them about my financial hardship, inability to use the product and ask for assistance. As of now XXXX XXXX has refunded Affirm {$1400.00}, but they have sent my account to a collection agency for {$340.00}, which I do not have. I was told by XXXX XXXX they only deducted {$100.00} for cancellation and {$130.00} for the mouth impression. At this point I have been feeling harassed and distressed about the ongoing correspondence from Affirm, and the negative report to my credit. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: OH

Complaint narrative:
I have filed and submitted necessary documents regarding Identity Theft and sent by way of certified mailings which included a FTC Identity Theft REPORT, a copy of my Identification, Consumer Statement with applicable highlighted items on my copy of credit report and none of the Credit Reporting Burals have made an attempt to preform according to the law and statute which should have a block and removal of all items reported by me that are in a way or another Identity Theft within 4 days upon receipt of the complaint which was done on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have filed and submitted necessary documents regarding Identity Theft and sent by way of certified mailings which included a FTC Identity Theft REPORT, a copy of my Identification, Consumer Statement with applicable highlighted items on my copy of credit report and none of the Credit Reporting Burals have made an attempt to preform according to the law and statute which should have a block and removal of all items reported by me that are in a way or another Identity Theft within 4 days upon receipt of the complaint which was done on XX/XX/2023.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have made many attempts to get this address removed from my credit report. It was a temporary address and I am no longer able to receive mail there. Therefore, I can not receive any debt collection forms from any agencies. I no longer live at this address and have updated all of the creditors with my new address. Attached are a copy of my DL and most recent paystub.

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 2023-02-24 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: GA

Complaint narrative:
I have recently applied for credit. Unfortunately have been denied due to erroneous information being supplied by the credit bureaus. XXXX XXXX has been reporting erroneous account status, last payment history and account balance to the credit bureaus. The credit bureaus refuse to update my reports with accuracy. Ive reached out to the credit bureaus on numerous occasions and have been advised that they have investigated the dispute and have verified the debt and amounts. The credit bureaus have not and will not send any supporting documents to validate the errors being reported on my credit report. When I try and open a new dispute the credit bureaus shut down the request as frivolous. XXXX continues to report incorrect balances as of today XX/XX/23 they have indicated via my credit report that I owe {$28000.00}. The recent fraudulent update states that the balance increased {$290.00} due to non payment. The last payment on the car was XXXX XXXX the account is closed and charged off. How am I still incurring charges? There was a judgment placed against me in the amount of XXXX via XXXX XXXX courts on XXXX XXXX. Please help!!

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 2023-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
This complaint is about OneMain Financial ( OMF ) for a presumed violation of the Fair Debt Collection Practices Act ( FDCPA ). There are XXXX stretches of time where they contacted me more than XXXX times in XXXX  days since XX/XX/XXXX. They call me at my cell phone number from their office telephone number. I do make payments to them late but always have and always will catch up. 

While OMF is a financial services company and the original company with whom I owe this debt, the emails they send me and their own website clearly state, " This is an attempt to collect a debt and any information obtained will be used for that purpose, '' hence I identify them as debt XXXX in this scenario. 

The dates and times of the calls are XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in 7 days. This presumed violation also occurred XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on, XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in XXXX days. Additionally, this presumed violation occurred XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX for a total of XXXX in XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens bank has my account frozed and taking money out of my account monthly. I'm getting charged monthly for statements but i have access to my checking account. Why am i paying fees when my account is froze?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: MD

Complaint narrative:
I am very frustrated and annoyed with Experian for not being able to display accurate information on my credit report. A copy of a XX/XX/XXXX report is attached for viewing. 

The report shows " Serious Delinquency - Lack of Recent Installment Loan Information, Number of Accounts with Delinquency, too Few Accounts Currently as Paid. 

All of this information is incorrect, and I have filed with this XXXX on the same issue with Experian, but they have not fixed it, and as a result, it is creating serious damage to my credit history. 

Keep in mind, Experian is the only credit bureau that fails to get it right. XXXX and XXXX are reporting accurate information. None of the above incorrect information appears on my credit file- with XXXX and XXXX with the exception when it comes to Experian. 

Keep in mind I have NEVER been late on any payments and have a history of on-time payments for over fifteen years ; as a result had a score of XXXX, and because XXXX XXXX XXXX demanded I make additional monies- such as {$350.00} for two credit cards with them, left me with no choice but to file XXXX XXXX in XXXX and then afterward was still making payments to creditors - not fully understanding the process of XXXX XXXX. Today, I have 10 months left of a five-year plan- {$800.00} a month. 

Experian- get it right. I am so sick and tired of you not accurately reporting the status of my credit file. It's obvious there is something wrong when you ( Experian ) are the only reporting agency incorrectly reporting my credit.

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 2023-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These past couple months have been so frustrating dealing with these credit bureaus. I sent Trans Union a letter months ago, complaining about false information on my credit report. I need these accounts deleted or updated immediately. These are the items I demanding to be deleted immediately : 1. XXXX XXXX, XXXX ( Account # XXXX  ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % acurate. 

2.XXXX XXXX  XXXX XXXX Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
FDCPA section 807 Violation misleading false reporting 3. XXXX XXXX XXXX Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 

Misleading false reporting, unverifiable and inaccurate reporting. This is a duplicate account which is a FCRA violation. 

4.XXXX ( Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification, this account is in violation, it was reported without valid evidence. 

5.XXXX XXXX  XXXX XXXX Account # XXXX ) 15 USC 1681a ( 2 ) ( b ) I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

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 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My capital one account was closed after I reported that a false/fraud check was deposited into my account and my identity was stolen and they retrieve the funds and me not knowing, now my account was negative, my IRS deposit XXXX set to go in on the XXXX of XX/XX/2023, and my account was closed as email stated on XX/XX/XXXX. I reached out to bank, and they mentioned to me that the credit was credited and that I remain with negative balance, when I reported fraud no case was open the bank mentioned that I had called when I did not, someone stole my identity and is using it to open accounts and get into my funds. Bank mentioned I am responsible for the negative balance, why is the bank holding me accountable when i reported fraud and all they decided to do was end there relationship, capital XXXX is stealing my money, I need my refund to be send back to the IRS and the bank reject also any upcoming deposits, please reach out to me as soon as possible. So we can take care of this matter and fraud claim should have been made and protocols should have been followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act American Honda Finance has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
XX/XX/23 - {$900.00} My daughter sent me the amount above for rent. I tried to send it back and Venmo locked my account and its holding her money for 6 months and said I violated something just bc I tried to send it back to her. I have sent in every document they have asked for also! I have attached the last email showing I sent in the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have recently applied for credit. Unfortunately have been denied due to erroneous information being supplied by the credit bureaus. XXXX XXXX has been reporting erroneous account status, last payment history and account balance to the credit bureaus. The credit bureaus refuse to update my reports with accuracy. Ive reached out to the credit bureaus on numerous occasions and have been advised that they have investigated the dispute and have verified the debt and amounts. The credit bureaus have not and will not send any supporting documents to validate the errors being reported on my credit report. When I try and open a new dispute the credit bureaus shut down the request as frivolous. XXXX continues to report incorrect balances as of today XX/XX/23 they have indicated via my credit report that I owe {$28000.00}. The recent fraudulent update states that the balance increased {$290.00} due to non payment. The last payment on the car was XXXX XXXX the account is closed and charged off. How am I still incurring charges? There was a judgment placed against me in the amount of XXXX via XXXX XXXX courts on XXXX XXXX. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Figure Technologies, Inc
State: PA

Complaint narrative:
I was scammed to open a home equity loan with figure lending which i take responsibility for my stupidity to open the XXXX and put it into a crypto account and someone took XXXX dollars from me i accepted that and started paying the hone equity loan and now figure lending putting a recall on my personal account and recalling the money back after i made XXXX payments on this loan and XXXX XXXX is sending my personal money back to flag star bank which is associated with figure lending and they are scamming me by collecting payments from me and putting a recall on my personal account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I spoke to the latest Bank Representative today and she read me the same lies as stated in previous responses from the bank. She also claimed that she witnessed me requesting a {$20000.00} loan from the original bank agent the which is an absolute lie because I continuously requested only XXXX The original agent stated that i could get more more money since my house is almost paid for. I explained that i am XXXX, on a fixed income and the most that i can afford to pay back is {$10000.00}. He said let me put you down for {$100000.00}. I immediately refused and again stated my income, XXXX and inability to pay back more than $ 10,000..He began to bagger me and went down to {$75000.00}. I again refused and warned that I am mentally disable and his tactics are greatly disturbing me. He continued his harassing tactics from. {$75000.00} down to {$59000.00} and then {$25000.00}. I warned again of my XXXX and said if you stop badgering me I will go to {$20000.00}. this was only because of his mentally hurtful tactics and he stated that I probably wouldn't got the {$10000.00} loan because borrowing that small amount would not be beneficial to the bank. I told the bank representative today to resend the lie that she sent to your agency and write the truth.. I requested only {$10000.00} and was refused the loan because I didn't fall for their predatory lending tactics! She should be sending .a revised truthful statement to your agency as I insisted.

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