vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
A credit was submitted by a merchant at approx XXXX XXXX  on XX/XX/year> to my checking account. I followed up on XX/XX/year> to see why my credit wasn't reflected on my account. Wells Fargo explained that they could see the pending credit. I found this very unusual, since banks will only see credits on checking accounts once processing is complete. I called back again on XX/XX/year>, and I was again advised credit was " pending ''. I checked my checking account on-line again XX/XX/year>, and no sign of credit reflected on my checking account. I finally looked today XX/XX/year>, and strangely enough the credit is reflected with a posting date of XX/XX/year>. This is confirming that Wells Fargo is purposely delaying posting of credits issued. In my line work I assist guest with billing questions, such as settlements, authorizations, and credits to their checking accounts on behalf of the hotel. I've had quite a few customers calling regarding the processing of credits on their own Wells Fargo checking accounts. In 3-way calls with Wells Fargo , bank reps are telling account holders that credits are pending. Banks will usually advise account holders, that credits will reflect when processing is complete. Why? is it that if my credit was posted on XX/XX/year> is it not reflected till XX/XX/year>, something is very wrong with this practice.

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 2024-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: AL

Complaint narrative:
Due to a serious health situation placing me in extreme financial hardship, I am unable to make the high monthly payments on this predatory loan. At the time I took out the loan, I did not know I would owe the high amounts in medical bills that I now owe. I am XXXX XXXX XXXX and I live on Social Security only. Each month, I have called SpotLoan and tried to negotiate an affordable payment plan. They refuse to negotiate a payment schedule with me and they continue to add the high interest rate plus fees to my account. With an original loan amount of {$750.00}, I now owe almostr {$1400.00}. The Agent has promised me they would freeze the interest twice and did not live up to their promise with interest and fees added regardless of their promise. When I call they tell me the Agent entered the option but it was denied by the system. Any well trained agent would have told me the truth, which is the system would have denied the option to freeze the interest. I continue to make small payments each month when my Social Security check arrives and they continue to add interest and fees ; therefore, I am fighting a losing battle with this company. Other companies of this type have worked with me to freeze the amount I owe and set up affordable monthly payments, but SpotLoan is extremely predatory and they will not work with me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX VERIFICATION OF DEBT REQUEST RE : Alleged debt in the amount of {$3300.00} Dear Equifax, After reviewing my consumer report, I have some concerns about the validity of your reporting. 

This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ). 

I am hereby disputing this alleged debt, invoking my rights under the FDCPA, FCRA, and any other applicable state laws as well. 

Request is hereby made that XXXX XXXX XXXX XXXX XXXX and Equifax provide me with clear and convincing evidence ( i.e., original contract bearing my wet ink signature ) that I have a legal obligation to pay you and or the original creditor for the amount in dispute. 

Accordingly, please provide me with a complete accounting of the alleged debt XXXX XXXX XXXX XXXX XXXX XXXX 
claims I owe within thirty ( 30 ) days of your receipt of this correspondence. This proof must include and is not limited to : The original complete and signed contract proving that I have any obligation to XXXX XXXX XXXX XXXX XXXX for the alleged debt obligation which is the subject matter of this dispute. 

An itemized breakdown of what XXXX XXXX XXXX XXXX XXXX claims the payment is owed for. 

Explain and provide me with the method utilized to calculate the amount in dispute. 

Provide me with copies of all documents, ledgers, spreadsheets, etc., that provide evidence that I consented to pay the amount XXXX XXXX XXXX XXXX XXXX claim I owe. 

Identify the current owner of the alleged debt. 

Identify and accurately describe any third-party costs for which XXXX XXXX XXXX XXXX XXXX is charging me, and that you have included in the disputed amount along a complete itemization of all such charges. 

Provide the payment history including my signatures for all charges claimed from use of the credit instrument. Im disputing the amount shown on the dunning letter. 

Provide me with an affidavit that the Statute of Limitations has not expired on this alleged debt account. 

Provide me with you and your clients proof of Good Standing under the laws of South Carolina and the XXXX XXXX XXXX  along with information regarding your Registered Agent for Service of Process. 

Provide a statement showing the relationship XXXX XXXX XXXX, Inc.has with Equifax, and advise how XXXX XXXX XXXX, XXXX Equidax gained access to my private personal data without my exclusive written consent. 

Dated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is violating my consumer rights by reporting inaccurate/unverifiable information on my consumer report. 

Inaccurate information showing on my consumer report : Collections XXXX XXXX XXXX Opened XXXX {$3300.00} The alleged collection account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXXXXXX XXXX Address : XXXX XXXX WA XXXX I want these inquiries deleted/removed because i didnt authorize this company to run my credit and this is fraudulent.

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 2024-07-09 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 non-monetary relief
Consumer complaint received 2024-07-09 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : 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 2024-07-09 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: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : 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 2024-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MO

Complaint narrative:
I contacted the company on XXXX to understand the process for uploading my Education Debt Reduction Program ( EDRP ) forms. The agent instructed me to upload the forms and send a message indicating that I had done so. 

This morning ( XXXX ) I received an email starting I had a secure message. I proceeded to log in to retrieve the message, however it was not in my student aid.gov mohela account. 

I called Mohela and the agent and supervisor ( XXXX XXXX stated they couldn't find my forms of messages I sent last week. They also could not find out what the message they sent to me was. This is concerning as they are losing secure documents and communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGMENT CREATED POTENTIALLY VERSUS 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 non-monetary relief
Consumer complaint received 2024-07-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
XX/XX/XXXX - Affirm approved my loan for a custom XXXX XXXX ( XXXX ) chair in the amount of {$1300.00}. I made a down payment of {$380.00}. Affirm loan number XXXX. 

XX/XX/XXXX - The XXXX  chair was delivered without the customizations of two down-blend cushions as advertised on their website. I called XXXX the same day to make a complaint. A XXXX supervisor approved the return. XXXX emailed me a web form that required me to take multiple photos of the chair. I submitted the web form and photos to XXXX I made an additional payment of {$110.00} to Affirm the same day. 

XX/XX/XXXX - XX/XX/XXXX - I contacted Affirm multiple times, via their app and my personal email, to submit and resubmit the info they needed to open a dispute. 

XX/XX/XXXX - I called Affirm and spoke to a supervisor regarding Affirm 's refusal to open a dispute. The supervisor opened case no. XXXX but a dispute was never opened. 

XX/XX/XXXX - Affirm began to send me weekly emails threatening to report my delinquent loan to the credit bureaus. 

XX/XX/XXXX - I emailed Affirm billing and Affirm customer service and requested XXXX. I received no response and Affirm continues to send me weekly emails threating to report me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to request the removal of unauthorized inquiries from my credit report. 
Upon reviewing my credit report, I noticed that there are several inquiries listed which I did not authorize. These inquiries are negatively affecting my credit score and do not reflect my consent. 
The Fair Credit Reporting Act ( FCRA ) requires that credit inquiries be made only with the consumer 's permission. The following inquiries appear on my credit report without my authorization:1. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the FCRA, I am entitled to have these unauthorized inquiries removed from my credit report. Please investigate this matter and remove these inquiries from my credit report immediately. 
Enclosed with this letter are copies of my identification and proof of address to assist in verifying my identity. I appreciate your prompt attention to this matter and request that you provide written confirmation of the removal of these inquiries from my credit report within 30 days. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: MS

Complaint narrative:
I am not liable for this debt with charter communications, they did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These are the inquiries which should be off from report.

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 2024-07-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These are the inquiries which should be off from report.

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 2024-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MN

Complaint narrative:
Date : XX/XX/year> **Incident Summary : ** While checking my account, I noticed several unauthorized transactions on one of our bank accounts. 

**Missing XXXX : ** After I checked our Square bank account and noticed the unauthorized transactions, my husband realized that his wallet was missing. His wallet contained all his credit cards, including the card used for the fraudulent transactions. 

**Details of Unauthorized Transactions : ** Upon checking our Square bank account, we observed multiple suspicious transactions at various locations in downtown XXXX XXXX XXXX including XXXX and a XXXX XXXX. We do not have possession of the card in question because it was stolen along with my husband 's wallet and all other credit cards. We immediately canceled all our credit cards as soon as we noticed the unauthorized transactions and created a police report. 

**Visit to XXXX XXXX and XXXX XXXX ** We visited the XXXX XXXX  where some of the unauthorized transactions occurred. The shopkeeper confirmed that a XXXX woman, approximately XXXX '' in height, made several suspicious purchases there. He noted these transactions and informed his partner about them. The woman did not use a PIN for any of these transactions. Similarly, XXXX confirmed that the suspect did not use a PIN for the transactions made at their store. The total amount of unauthorized transactions were {$1000.00} dollars. 

**Contradiction with Squares Claim : ** Despite the evidence from the XXXX XXXX and XXXX XXXX that the suspect did not use a PIN, Square continues to assert that a PIN number was used for the transactions. This discrepancy has not been addressed or resolved by Square, and they are not making efforts to resolve my problem despite the clear evidence of unauthorized use. 

**Supporting Evidence : ** - Police report detailing the theft and subsequent unauthorized transactions. 
- Surveillance images from the XXXX XXXX  showing the suspect making the unauthorized transactions. 
- Statements from the XXXX XXXX and XXXX confirming that a PIN was not used. 

**Request for Review : ** We request a thorough review and reconsideration of our dispute for the unauthorized transactions, given the clear evidence that our card was stolen and misused without a PIN. The unauthorized nature of these transactions is evident from the lack of PIN usage and the theft of the card. Squares failure to address this issue appropriately is causing undue stress and financial burden. We hope this additional information will assist in resolving this matter favorably. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hello, To whom it may concern, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  number : XXXX This account has been paid in full as of XX/XX/2024, please update the correct {$0.00} balance on my credit report. 
I will upload documents that prove that it is PAID IN FULL. 
Thank you. 

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