vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I'm writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 for my personal loan. Account number XXXX. 

When I paid this account in full and on time. I have my bills on autopay and when I checked my credit report months after the incident my credit score has taken a massive dip. I did not receive any follow ups from affirm about warning me close to my payment date and so I was in the impression that I didn't miss any payments and everything was paid on time and full until I saw this report on my credit report. 

XXXX is infringing my privacy and showing this report to market to other lenders and during the investigation, was not able to show me the proof of CONTRACT with my signature that was made between me and Affirm. According to the consumer laws information that is inaccurate and unverifiable must be deleted items from my consumer report immediately. XXXX has blatantly broken THE CONSUMER LAWS. 

( AFFIRM INC ACCOUNT : XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Around XX/XX/2022, XXXX XXXX XXXX contacted me via phone about an outstanding balance of {$1400.00} that was opened under my name, but it wasn't me. The address associated with such account was not in PA, where I've lived for the past 10 years, and I indicated such with them as well as the fact that my identity was stolen and people tried to open several accounts with my identity, thus I already froze my credit report and put an alert with the 3 credit bureaus. They said okay and hung up. 

No more calls from XXXX XXXX XXXX or their agency until XXXX when I started receiving calls from Sunrise Credit Services , Inc for the XXXX & XXXX account balance above. I explained to them again all the above information, the collection agency then mailed me a fraud claim package that I later filled out and submitted to XXXX XXXX XXXX together with my proof of residences. No communications from XXXX XXXX XXXX besides the acknowledgement of claim receipts. 

On XX/XX/2022, Sunrise Credit Services , Inc. called me again and said XXXX XXXX XXXX declined my dispute and indicated the charge was valid. I can't contact XXXX XXXX XXXX directly to get any information about the application or the charges that were opened under my name. I don't even know what the charges were related to.

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 2022-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
1- We got a student Loan From Sallie Mae XXXX A federal Institution created by the congress to fund education. this is what we tought when we sign with them in XXXX that it was a government entity that serviced federal education loans. 

2- It was too late when we realized this was not part of a federal loan anymore but private loans. 

3- Sallie Mae Has been calling me everyday even sundays trying to collect, I told them I am XXXX at this time, but they are not interested to work with you. 
4- I called them back trying to find a middle point and some negotiation but they said they have nothing I qualify to help me, to call them back when I get a job. 

5- they are threatening to garnish my wages when I get a job. 

6- Even when I did small payments when possible, they reported us to the Credit bureau XXXX our credit is ruined just because of a student loan. 

7- Their interest rates are really high and keep going up, at the end if some day we will be able to pay this loan back, it will be almost 3 times the amount we borrowed it. 

8- I want to know when and how the Goverment privatized Sallie Mae XXXX and how they did it. 

9- They are not open to any negotiation, They do not care about students or education, this is just a depredator business created with good intentions by the congress XXXX but privatized and keeping the name only to confuse borrowers, how the goverment allow this kind of very profitable private corporation take control of Students loans. How this happened? nobody can answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/2021 I signed a check over to my daughter XXXX XXXX who deposited into her account. The amount was XXXX Key Bank in XXXX WA. On XXXX XXXX. Cashed it then removed the funds out of her account. They did freeze the account but would let her get her work check out once a week on a frozen account well the check was not fraud and my daughter went homeless because of what they did. They did not return the check to the issuer instead said I need to get a harmless agreement from XXXX XXXX they said no because they cashed the check and said they need to return funds to XXXX XXXX and they would issue me a new check it's been a year now and still want XXXX XXXX to right a harmless agreement help I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
I received a collections letter stating I owe money to XXXX XXXX XXXX XXXX, and I have never done business with this company. XXXX XXXX 's phone lines are out of service, so I went there in person. There, an employee told me that XXXX XXXX recently purchased XXXX XXXX and that many people in my area were receiving these collection notices in error. She stated that some of the older accounts were never properly closed and are mistakenly showing a balance owed to XXXX XXXX that XXXX XXXX is now attempting to collect. A representative from The Thomas Agency would not give me any information and kept repeating that they have no further information. The manager from XXXX XXXX was supposed to get in touch with me and never did. I'm concerned that this false collection amount will damage my credit and also others in my community will have the same issue. 

The letter I received is dated XX/XX/22 and was sent to my parent 's address, which I haven't used in over a decade. I called and spoke to a representative with The Thomas Agency on XX/XX/22 and I also visited XXXX XXXX XXXX that same day. 

The XXXX XXXX XXXX employee that I spoke to stated that all of these false collection attempts are for the same dollar amount : {$130.00}. It is my understanding that XXXX XXXX XXXX is aware of the issue and not taking steps to correct it. The Thomas Agency may also be aware that the money they are attempting to collect is illegitimate, but they refused to give me any information.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 asking for account payment history to verify these charge-offs and amount being reported. I have not received any verifying documents and I am now requesting the attached accounts be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I am writing you, due to the fact Bank of America is not willing to pay my hard working money. For the past 3-4 months somebody had been stealing my debit card information, I dont know how, yet it seems whoever took my information is within the same city ( XXXX ). For the past 4 months they have been going to XXXX XXXX ATM not too far from where I live. In total {$2100.00} was the claim Bank of America did not approve. I also do believe the people who stole my card identity may have took more, i would really appreciate if you guys helped my case/claim thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXX Account XXXX : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXXL Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXXk Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX 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 2022-09-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXX Cash Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: FL

Complaint narrative:
HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and Equifax about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the Company XXXX XXXX XXXX too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. 
Then, why does XXXX and Equifax doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XX/XX/2019 {$1100.00} XXXX XXXXXXXX XXXX ID # XXXX XX/XX/2019 {$350.00} XXXX XXXX XXXXXXXX ID # XXXX I have disputed this multiple times with Wells Fargo ( WF ) and sought additional handling. It is not my charge and was not made by me. I never signed or provided information. I would have no reason to make this charge. 

When the charge appeared, I called the merchant number and they claimed they could cancel whatever was charged at that time. They then directed me to WF if the charge was not reversed for some reason. 

WF admitted that the Corporate Headquarter sent information that showed their concern as well and that they did not have sufficient information to process these charges. I do not recall the exact terminology translated by WF for the merchant, but clearly WF knew that this dispute process was not followed properly as they explained to me. They stated that when they received this information they should have continued to the next step and they failed to do so. It may be that WF ran out of time for the dispute process so just neglected handling it. WF then sent letters claiming that I paid monthly on the account therefore they had no dispute rights. They have failed to properly credit the 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 monetary relief