vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 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: 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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
XX/XX/XXXX XXXX AMEX credit card balance of {$2300.00} with XXXX XXXX XXXX check # XXXX ( XXXX Routing # XXXX. Checking account balance at that time : {$39000.00}. I was notified by AMEX undated email " Return Reason : Can not be processed. Please refer to your financial institution ''. XX/XX/XXXX AMEX Cust Svc spoke to XXXX : said Credit Team told him the check was presented four times and always returned and to call my bank. XXXX Cust Svc spoke to XXXX : no record of the check being presented. He believes AMEX tried to convert it to an e-check and used wrong XXXX #. They have experienced this before with AMEX. This check never showed on my account as being returned. Two more checks have ben handled by AMEX in the same manner : check # XXXX dated XX/XX/XXXX for {$1700.00} returned XX/XX/XXXX ( my checking acct balance at that time {$32000.00} ) ; check # XXXX dated XX/XX/XXXX returned XX/XX/XXXX ( my checking acct balance at that time was {$28000.00}. Multiple conversations with AMEX Cust Service always telling me the checks were returned by my financial institution as " 'Admin Returns '' and it isn't their problem. Sent letters to AMEX on XX/XX/XXXX and XX/XX/XXXX explaining what was happening to me and asking for someone to explain and fix. Executive Cust Service Rep was assigned to this case and kept telling me the same thing, that it is all my banks problem, talk to them. This circuitous nonsense of responses has been going on since XX/XX/XXXX, and going nowhere because no one at AMEX will give me a straight answer as to why checks from my XXXX account that I have used for 20+ years to payoff my AMEX balance monthly, is suddenly no longer acceptable in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 non-monetary relief
Consumer complaint received 2023-07-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a number of erroneous errors on my Equifax credit report. I have notified Equifax on numerous occasions of their errors, and they still will not fix it. So I am submitting a CFPB complaint. Please fix this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, transunion and XXXX keep reporting a XXXX XXXX bill on my credit profile that doesnt belong to me. niether company wont tell me what address that this bill is attached to. this is messing me up from applying for apartments on top of it not belonging 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 non-monetary relief
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX and equifax keep reporting a XXXX XXXX bill on my credit profile that doesnt belong to me. niether company wont tell me what address that this bill is attached to. this is messing me up from applying for apartments on top of it not belonging to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc
State: CA

Complaint narrative:
Debt collection agency has called repeatedly alleging I owe money from various different loans pertaining to my social security number and has also mentioned same thing in an email. Unsure of how information was obtained in the first place, but I have made it very clear that none of this makes sense to me and to please stop immediately. 

Instructions have not been followed and harassment continues. I have even received text messages as well from them. XXXX/ seems to be an automated service, nonetheless bothersome. 

I would love some assistance to A. Get this information out of their hands and B. Harassment to stop immediately Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
According to the FCRA, TRANSUNION is obligated to report accurate accounting, I have advised All the negative information reported is fraud. The companies involved had 4 days according to LAW to remove this information from my consumer report. An FTC fraud report was filed on my behave. I am now requesting TRANSUNION to provide the documentation and prove that the information is indeed accurate. TRANSUNION has 15 days to provide me with the name of the person ( s ) spoken to, documentation used, a signed application, GAAP accounting report, I am not asking for an e-Oscar report. If TRANSUNION does not have documentation to shows that the companies involve follow the SEC rules and credited my accounts, then it must be removed ASAP. The companies involved is liable under the SEC to follow certain rules. I will be filing FORM 211 treasury omb forms to audit my consumer accounts. TRANSUNION is securitizing data and refuses to provide me with a copy of my CONSUMER FILE not my CONSUMER REPORT. 

XXXX XXXX XXXX XXXX- has refused to credit my account with the dividends from the security they hold. 
XXXX XXXX - Was discharge with a negotiable instrument XXXX XXXX - has been discharge with an negotiable instrument XXXX XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX - creditor failed to credit my account for the dividends they received from the security I gave them, 12 CFR 1026.11. 
XXXX XXXX XXXX Car - creditor failed to credit my account for the dividends they received from the security I gave them, 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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone opened an account in my name and now has defaulted on the card. I had no knowledge of this account until i applied for credit and found out 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 2023-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: MD

Complaint narrative:
I do not have an account or owe Harley Davidson Financial Services ( HDFS ) any money. For the past month, representatives of this company have been calling me about a person who supposedly listed me as a reference. I have not answered. Yet, the company, which is a debt collection agency, has called me repeatedly day after day. HDFS has called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their telephone number is XXXX. On XX/XX/XXXX, a HDFS representative even called me and left a message using another telephone number, XXXX. My phone voicemail is filled with numerous calls from this company. These calls have been annoying and blatant harassment. 

The representatives leave voice messages for me to call them back about my being listed as a reference or wanting me to clarify some details. I want HDFS to cease and desist calling me because I do not want to talk to its representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was being charged unnecessary fees

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 2023-07-12 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV Funding This account was not late. How can this account be reporting XXXX days late in XX/XX/XXXX if XX/XX/XXXX and XX/XX/XXXX are both reported on time? 
How can this account be reporting XXXX days late in XX/XX/XXXX if XX/XX/XXXX is reporting XXXX late? That would make XXXX  XXXX days late. 
This account was not late. How can this account be reporting XXXX  days late in XX/XX/XXXX if XX/XX/XXXX and XX/XX/XXXX are both reported on time?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX XXXX and XXXXXXXX XXXX  are the same company. I got a loan with access loans in XXXX. In XXXX of XXXX I owed {$850.00} on the loan. I paid off {$400.00} in XXXX bringing the loan current and over half paid off. In XXXX I paid off the entire loan. Transunion CONTINUES to report this loan past due and me owing {$860.00} on the loan when it was current in XXXX and paid off entirely in XXXX. I can not get a house with this information still on the 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 2023-07-12 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: TX

Complaint narrative:
I've received a copy of my credit report and have noticed fraudulent accounts. I am requesting that all accounts and addresses that I have listed on my FTC report to be blocked and removed from my credit 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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: IA

Complaint narrative:
I opened a Cash App account, I paid {$53.00} for the premium metal debit card ... then before the card even arrives they restrict my account making me ineligible to even use a debit card stating I needed to reverify my identity.. so I tried this several times all failing finally I told them to just refund my XXXX and close account they refused I then stated I would be filing a complaint, then I was in violation of terms and services and closed my account completely... they won't tell me why or return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
Purchased item from XXXX that was sold by and shipped by XXXX using Affirm financing. XXXX never delivered order items and both XXXX and affirm refuse to cancel the loan. 

XXXX order # Order # XXXX Affirm loan id XXXX XXXX shipped the wrong items. Blatantly wrong different model, part number, price, features, etc. XXXX then refused to offer any options except I pay {$8.00} to ship the wrong items back to them and refused any refunds or reshipment of the correct items until that happened. There are XXXX other orders that they also messed up at the same time for tens of dollars and those strangely got refunded. The {$850.00} order strangely was not despite being the exact same issue. 

That is XXXX times they have broken FTC trade law using the commonly accepted definitions. 
XXXX XXXX XXXXXXXX I reached out to XXXX for resolution. Their only answer is illegal. Went through Affirm 's dispute process and they sided with XXXX because XXXX 's actions follow XXXX policy, which could not be provided in writing by either XXXX or affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a recent victim of Identity theft and fraud. I have recently reviewed an extensive copy of my credit report included dark web alert ( with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX and it needs to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX  XXXX XXXX, The claim # is : ( XXXX ) that does not belong to me. Please help. 

THIS ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THIS ACCOUNT LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Collection Account :, XXXX XXXX Account Number : XXXX delete it from my credit report. 






Thank you for your time and help in this matter. Sincerely, 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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I made a purchase from XXXX XXXX with affirm for {$790.00} in XX/XX/2021. I then returned it in XXXX but it was never updated via Affirm. Affirm has put 2 collections on my credit report. One for {$970.00} and the other for {$270.00}. I sent the XXXX XXXX  tracking number showing that the package was delivered and received. Both companies keep sending me back to the other to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
The staff at Westlake Portfolio Management are a band of thieves!!!! I sought to get to the bottome of the fact that they were charging me extra fees. A female representative was very rude, uniformed and gave me the wrong name and wouldn't provide her customer rep ID #. They charged me fees for insufficient funds for my auto loan when the money has been available on the date they claim the money wasn't there. 

Based on this institution 's engagement and reviews of its customers, it proves that Westlake is a candidate for an in debt audit and investigation. There is something going wrong with this company in terms of hidden fees and the extra charges it places on its customers, especially those like myself who have money available for the ( auto-pay ) I was using. It appears that when customers are not looking, this company chooses not to may the withdrawal in order to stack up insufficient late fees. This is criminal. Please take a look at this company?????? 

I have added their reviews to establish that this is not an isolated issue. 

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 Thank you for your time. 
XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Greetings, On XX/XX/2023 I sent a personal information letter to Experian to correct the incorrect information displayed on my consumer report. I informed them that my name and address was incorrect. I also that I wanted my employment information removed. I also included 15 USC 1681 ( a ) ( 4 ) as well to inform them of my privacy rights. 
They sent me an updated report with my name still wrong and old addresses are still on my consumer report. As well as my employment information is also still on my report. 
I sent a second personal information letter on XX/XX/2023 to once again demand that my personal information be corrected.

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 2023-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Inquiries fraudulent in my report XX/XX/23 card assets in equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Hi, I recently found out that there was a credit card opened on my Capital Onen account without my knowledge a few years ago and I have contacted the company twice about it and both times they have said I'm the one who opened it, when I wasn't. 
The total is close to {$600.00}! and I honestly don't know what happened. I could really use your help because this has been reported to my credit companies and is impacting my score greatly. 

Thank you

Company response to consumer: Closed with explanation