vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I called multiple times and I was advised by your representatives to submit my disputes via letters. I've been sending you guys letters for the past 7 months and no one helped me or even deleted anything from my report. This is ridiculous I can't take this anymore. I want to buy a house and this is holding me back from doing so. Therefore if these accounts are not deleted within 30 days I will take legal actions and file a law suit if needed. Credit reporting rules require that every effort be made to guarantee that the information disclosed is entirely accurate and correct. Only 100 % accurate credit information may be reported by agencies. This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX, I attempted to file a dispute made with XXXX on XX/XX/XXXX, a mens XXXX watch ordered and never received. It is now XX/XX/XXXX, item not received. The purchase was disputed in XXXX on or around same date, XX/XX/XXXX, then closed out day after, due to rep at XXXX agreeing to remedy issue with order, since reneged on matter.. Further, item has not arrived. The rep with XXXX, XXXX, attempted to do a bait and switch with item, offering a different model watch for {$150.00} off... I then attempted numerous times to cancel order, texted both XXXX and XXXX to cancel, both refused, XXXX said she could cancel but would result in store credit, then shifted her story saying she can not cancel ... Further, the item was not received, it was supposedly shipped out via XXXX and due to arrive on XX/XX/XXXX, it appears XXXX driver forged signature if there is one, left package where it was lost/stolen .... If reps, XXXX and XXXX cancelled prior, this would not have happened... I called Affirm today to reopen dispute, was told it was closed out again after discovering notes from XXXX saying to close it... I provided Affirm screen shots via email showing my requests to cancel with both XXXX and XXXX, those appear to have been ignored... I attempted to reopen dispute with an XXXX, a supervisor, unable to confirm reopened or not... Complaints have been filed with Attorney General in New York and here in Connecticut against XXXX about this matter, remain unresolved. I request affirm open a dispute, resolve this with Affirm

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: NV

Complaint narrative:
I applied for credit with XXXX XXXX. They said they needed me to come in person and bring my government i.d . and my social security card. When I did, they said the information from their underwriting indicated that my social security number was associated with a deceased person. Upon further research, I found out the source of this significantly incorrect information was Lexis Nexis and that they had been reporting this since XXXX of XXXX. I reached out to Lexis Nexis on XX/XX/XXXX and was told to submit my issue and upload my driver 's license and social security card on their site, which I did on XX/XX/XXXX. I phoned Lexis Nexis on XX/XX/XXXX and was told this was still being researched. 

This is a HUGE issue for me and is creating problems over which I have no control. The fact it happened is disturbing and their lack of response time to correct it is unacceptable. I am now trying to renew my XXXX XXXX and it is still pending. My husband 's was renewed within a few days. I am now two weeks in and we submitted our renewal requests the same day. This is incredibly stressful and distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
Can this be disputed? 
Please

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX : This collection account on my credit file that doesnt belong to me it has the wrong address signature that doesnt belong to 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 2023-05-13 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I paid for credit monitoring with TransUnion. For. Over four months I have not been able to have my credit report accurately updated on time. I have seen icons stating that my credit report has not been updated in over 47 days, On the TransUnion 's website. And when I call to speak with a live agent I am always being told they are not able to answer any questions due to system outages. ( This has occured for three months ) transunion is effecting my ability to purchase a home .And monitor 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 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
You are reporting this collection as an " OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 
Account listed under reinvestigation for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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:
I am writing to dispute the account referenced XXXX XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the late payments How is this possible when the data furnished should be the same and each bureau reports something different? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this. Stop reporting this incorrect information on my credit report. You can reference complaint XXXX for my initial dispute. Please remove the late payments and update 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 2023-05-12 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: GA

Complaint narrative:
I was never late on the account listed blow. please show me documentation showing proof of transaction showing that I was ever late to support your in accurate reporting on my account. if you can not supply this please delete this allegedly late payment from my credit report. the reason for my dispute is that this is a invalid late payment The FCRA allows 30 days for this to be rectified. 

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 2023-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rausch Sturm LLP
State: CA

Complaint narrative:
They violated the cease and desist order. I called to verify that the account had the order on it, and they are mailing me threatening debt collection communication anyway. 

Letter was dated XX/XX/XXXX. Received on XX/XX/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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
They call me 2 to 3 times a day, every weekday. They also use different numbers so I can't block them all. Received 3 calls just today, this needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
Pursuant to the FCRA, it is EXPERIANS duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payment results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the account referenced XXXX XXXX XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the late payments How is this possible when the data furnished should be the same and each bureau reports something different? Under the laws of the FCRA, I have contacted the creditor myself and have been unable to get them to verify that this. Stop reporting this incorrect information on my credit report. You can reference complaint XXXX for my initial dispute. Please remove the late payments and update 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 non-monetary relief
Consumer complaint received 2023-05-12 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: Credit Karma, LLC
State: FL

Complaint narrative:
I followed Credit Karma 's recommendation an began paying down debt and got a credit card to decrease my credit utilization. So I pay off a XXXX loan and apply increasing my credit utilization by an additional {$7000.00}. 

So, for some very quick math, that is a positive increase of {$12000.00} and a decrease in credit utilization. 

This information ( following their recommendations a credit experts ) is incorrect because in the time sense doing this, my credit has dropped by XXXX ish points! that may not sound like a lot, but in this ridiculous mortgage rate time it is. 

I would love for them to reply with how they plan on fixing this, and how they plan on not steering customers wrong in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13 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: TX

Complaint narrative:
Inquiries are on my credit report that I do not recognize. 

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 2023-05-13 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: LA

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts and information in question are as follows : XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

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 2023-05-13 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: LA

Complaint narrative:
This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts and information in question are as follows : XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Alleged debt purchaser, Portfolio Recovery Associates , LLC ( " PRA '' ) made multiple false, misleading and deceptive written and recorded telephone statements about Ohio law 's requirements about the type of documents and legal instruments it must provide me to establish written debt verification of it's standing and real party in interest status as the owner and purchaser of my credit card account. In XXXX, 2023, PRA placed a collections account on my credit report as the alleged purchaser of the account from the original account holder. I exercised my rights under Fair Debt Collections Practices Act and Ohio Consumer Sales Practices Act ( ORC Section 1345 ) to request written debt verification, starting with proof PRA is the true owner of my account. I specifically requested copies of the account and asset purchase and sale contract, bill of sale, payment records and assignment of account rights between PRA and the original creditor. PRA refused to produce these records. In two lengthy recorded telephone calls with PRA Disputes Teams employees and supervisors, PRA falsely stated Ohio law did not require it to produce these records in response to requests for written debt verification. PRA stated the monthly account statements and extraneous correspondence purportedly from the original creditor met its legal burden of proof. PRA was fully aware but ignored binding legal precedent from the Ohio XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX which completely supported me and rejected PRA 's argument. In fact, the Ohio Court of Appeals reversed the trial court and entered judgment for the consumer because PRA failed to produce the exact same records I requested. Subsequently, I performed independent legal research which yielded the XXXX decision. In XXXX, 2023, I emailed PRA 's legal department the XXXX decision. Only then did PRA acknowledge its false, deceptive statements and closed my account. Notably, the Ohio Supreme Court has held the Ohio Consumer Sales Practices Act provides similar yet " broader '' protections for consumers as the Federal Fair Debt Collections Practices Act. See, XXXX v. XXXX XXXX XXXX. XXXX, XXXX, XXXX Ohio XXXX XXXX. Both statutes allow for actual and nominal damages for false, misleading and deceptive statements. The Ohio statute also authorizes treble damages for violations. I seek {$6000.00} compensation to avoid filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In XX/XX/XXXX, I was defrauded by an individual using XXXX technology into believing he was a person I knew, we had made plans to purchase a loft in XXXX, Georgia ( where I lived at the time this happened ), he " proved " his identity to me by sending to my XXXX a photo of his passport and copies of his bank records, unbeknownst to me, both of these items in his name were faked, and as it turned out, this man I thought I knew was not the same person. 

To continue : He convinced me to wire to him funds in a one-time wire transfer in the amount of {$97000.00} USD, which I did from my branch of Wells Fargo to his specified branch of Wells Fargo in XXXX XXXX XXXX Missouri on XX/XX/XXXX. 
As soon as I realized I had been defrauded, within a couple of weeks, I contacted law enforcement and made a police report. With this report in hand, I went to my Wells Fargo branch and explained all of the aforementioned details, showed them proof of the wire transfer and a copy of the police report, but I was told there was nothing they could or would do to help me reclaim my funds. Discouraged, I went home and decided to try again, so I made another appointment with a manager and the exact same situation occurred again. It was at this point that I began researching funds recovery experts and upon their advice in XX/XX/XXXX, I wrote a letter of complaint explaining the fraud and including the wire transfer proof and police report to both Wells Fargo customer service and to Wells Fargo 's fraud department. I never received a response to my email so I called Wells Fargo to follow up on my correspondence, only to be told there is no telephone number by which to reach these departments because " they are in the back offices. '' In total I sent four different letters to Wells Fargo regarding this, only to be ignored until XX/XX/XXXX, at which time I finally received a letter from Wells Fargo declining to assist me in any way at all.

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 2023-05-12 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: TN

Complaint narrative:
Experian has a derogatory mark listed on my credit report from XXXX XXXX XXXX. The account shows closed but XXXX XXXX XXXX has requested its removal from my report and Experian has failed to do so after several months and gas claimed information is accurate in dispute investigation. A thorough investigation would show that the creditor requested it be closed and removed and therefore the information can not be 100 % accurate if it is not supposed to be on my report to begin with. I am submitting the response from XXXX XXXX XXXX on the matter through a CFPB complaint/investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation