vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX I signed a contract for XXXX XXXX XXXX to pick my boat up on XXXX I provided pictures of the boat and a description ( year, make, model ) XXXX told me that they would do everything needed to get the boat transported to me. XXXXXXXX XXXX  showed up with a insuffient truck/trailer and were unable to move the boat because they didnt want to remove the radar arch, even after XXXX assured me their movers could do it as they are in the business of moving boats. After more then a week of excuses as to why he couldnt get my boat moved, I have multiple text messages from him as evidence which can be provided upon request, I hired another company ( I have the invoice ) to move the boat in a timely manner. That company picked the boat up on XXXX. As per the document I signed with XXXX XXXX I am entitled to a refund because they never scheduled a date, please see attached " confimationorder ( 1 ) '' " Deposit is refundable if for whatever reason said customer chooses to cancel the shipment of their vehicle BEFORE they are scheduled with a carrier '' I disputed the charge on XXXX on XXXX AND XXXX Bestbuy Citibank sent me letters saying the dispute was decided in my favor then on XXXX they rebilled my credit card for the {$1200.00} and I am unable to dispute this charge again.

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian management or employee working on this case need to be fired How hard is it to pick up the telephone and calls the Department of education how hard is it to get up off your tail call the department of education today I will not comply with any mail sent in the mail. I will not respond to any mail sent in the mail, the law dont require me to the law requires me to file XXXX dispute remove all student loans I have XXXX student loans XXXX student loans what part of XXXX do you not understand I have XXXX student loans Call the department of education right now

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I contacted Experian to dispute multiple unauthorized inquiries on my credit report. I was notified that the system would not allow them to dispute it because it was a mortgage inquiry.

Per the Fair Credit Reporting Act Law 15 U.S.C. 1681-1681x, all unauthorized and unverified inquiries should be removed from my report. 

Experian 's systems should be updated per the Fair Credit Reporting Act, as it does not say that there is an exemption for mortgage inquiries. ALL unauthorized inquiries are to be removed. Very disappointed in Experian 's service!

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 2023-12-06 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Shopping is a browser tool that you can use for coupons and rewards when purchasing certain items. I gave my referral link to others so that they could sign up so in total I got {$50.00} in rewards, when I tried to use my points to get a gift card in the app it would cancel it, I did it about 6 times and it would cancel or never send me the email. I tested out to see if I was receiving emails from them and I got the verification email but never got the gift card email. I tried contacting them for help on XX/XX/XXXX and the next day on the 2nd my account was closed. I sent a follow-up email on XX/XX/XXXX and today I got the email that they closed my account for no exact reason, I did not get the money I had in the account back either and my account was closed. They have not been helpful in reaching out to me and have been ignoring my emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i made no credit application with these companies ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
They are reporting a fraudulent car loan to my credit report. The dealership XXXX XXXX and California informed me they when they approved this fraudulent loan they did not even ask for identification or a ssn card until several days later. See attached police report old and new

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 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
They are reporting a fraudulent car loan to my credit report. The dealership XXXX XXXX and California informed me they when they approved this fraudulent loan they did not even ask for identification or a ssn card until several days later. See attached police report old and new

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 2023-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I went into a Regions bank on or around XX/XX/2023 because I noticed some fraud on my account. My regions card was used fraudulently at XXXX online and I needed to dispute the charge and pick up a new card. While I was at the XXXX XXXX XXXX, XXXX Ga location I was informed that I qualified for a {$50.00} overdraft protection plan and if I was to go overdraft Regions will pay it and I wont have to pay the {$36.00} overdraft fees. Ive paid Regions XXXX XXXX XXXX in overdraft fees and I was under the impression since Ive done so and have been with the company so long it would be like an I earned it type situation. Im in the process of moving and credit requirements are set to get the place. I notice my Credit dropped over XXXX points for this so called protection plan. When I called to better understand how a protection plan is affecting my credit like this and WHY. they said it was a line of credit, which I was never told, and all I was paying was late fees. When I clicked on the account all it ever said I owe was {$10.00} like once a month and I paid it assuming it was a fee for having the protection plan, which also wasnt explained. I asked the lady what all I owed to be satisfactory and she first claimed I sent the {$50.00} from that account to my personal banking account which wasnt true so I asked her the date this happened she said back in XX/XX/2023. I didnt recall my bank going into overdraft because apparently the money automatically sends it there without any doing of my own and no type of notification that it was done. So at the end of it due to my desperate need to get my credit score up, I agreed to pay all dues. I was told it would be {$50.00} I paid. I went back on my account a few days later to see I owe them another {$16.00} plus XXXX everyday after the due date. I paid it but Im being taken advantage of at this point. I cant close this account because that would also report negatively on my account. Could you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was given a 0 % interest offer from Capital One. I checked my statement in XXXX and it still showed 0 % but when I checked the statement again for XXXX it showed XXXX % percent APR and an interest fee of {$730.00}. I called capital one and informed them that I was not notified on my XXXX statement that my interest rate was changing and didnt feel that its right to change my rate without communicating it in my statement. They said there is nothing they could do to make it right. There should be a law that companies have to notify the consumer within 30 to 90 days prior to a XXXX percent APR offer expiring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX XXXX ) XXXX XXXX Account # XXXX ) has violated my rights! Also i want these inquiries removed from my report that were not authorized ( 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  ) and o feel my rights are being taken advantage of. 


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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair Credit reporting act XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX XXXX ) XXXX XXXX Account # XXXX ) has violated my rights! Also i want these inquiries removed from my report that were not authorized ( 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  and o feel my rights are being taken advantage of. 


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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-12-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Capital One has violated my rights. Under 15 U.S.C 1681, Section 602, states I have the right to privacy.

15 USC 1681, Section 604a, Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/XXXX  I received an email from Affirm Holdings congratulating me for a {$110.00} buy now, pay later loan. I never initiated the loan or have ever contacted this company. Although I thought this might be spam or a phish, a review of the mail headers clearly indicated that the mail originated from valid Affirm mail servers. I immediately contacted Affirm via the phone number on their website and explained the situation. The representative assured me that no loan had been opened in my name and that the email was likely a phish. When I explained that the email headers pointed to their valid servers, he alluded to the fact that they may have had a data breach, so I let it go. 

Emails from Affirm regarding this loan continued for another week. I contacted Affirm again on XX/XX/2023 to ask why I was still receiving emails about this matter if an account had not been opened in my name. This time I was told that an account had been opened in my name using my email address and date of birth. When I asked what other information had been used to verify my identity, I was told they could not share this information with me. I asked to speak to a supervisor who said she would open a case related to identity theft, but that I would need to wait 3-5 business days for someone to reach out to me. I agreed to her request. I filed an identity theft report with the FTC and a police report with the XXXX Police for fraud and identity theft. 

I contacted Affirm a third time on XX/XX/2023 as no one had reached out to me after 21 days, much less 3-5 days. I was told by a representative that she could not provide any additional information, but that she would escalate the case, and that I would need to wait an additional 3-5 days. As of XX/XX/2023, no one from Affirm has contacted me regarding the fraudulent loan. 

A review of the CFPB complaint database shows numerous complaints regarding Affirm that followed an identical pattern to my own. The pattern is as follows : 1. Fraudulent account set up with Affirm using limited information to protect against identity theft.

2. Victim contacts Affirm and is told to wait 3-5 days for an internal investigation. Victim is not contacted.

3. Victim calls Affirm numerous times over the course of weeks, each time being told they need to wait 3-5 days for an internal investigation. Victim is never contacted.

4. Affirm writes off the loan and turns the victim over to debt collection.

5. Debt collection reports delinquent loan to credit bureaus and victim 's XXXX  score is affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.

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 2023-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have been reaching out to this mortgage servicer for over a year. They do not send information about removal of PMI and they lose my written correspondence and even lost the check that I mailed to them in their own self addressed envelop. They are irresponsibly causing me to pay PMI for over a year that equates to over {$2400.00}. There is no way to escalate and no one gets back 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 2023-12-06 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023, Using XXXX  I was unable to get a copy of my credit report. I was given an error message, and no option to complete the action.

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