vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/2023 I bought a XXXX XXXX in TV thur Affrim via XXXX. On XX/XX/2023 I returned the TV XXXX has to come back to pick up the TV as they where not aware that the back door even though a sighn is posted all deliveries at the back door due to the front door being rented by upstairs and down stairs being rented by us. I opened up a claim that got approved for a lost item. I was told bye bye XXXX I had to wait 60 days to report this a lost item and my money was supposed to be refunded to me. XXXX admitted to the driver not scanning said item and issued me a claim number of XXXX, unfortunately I need a account number in order to upload payment documents. I have call Affrim 3 times about this a 22 times into XXXX. XXXX with them stating theirs nothing they can due nor Affrim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
ive gotten behind on my tower loan payments due to work, working in the car business and sales are down. my pay has drastically changed due to car business. store manager XXXX, is calling me everyday twice a day and even twice a day on my job. i went by the store and tried to pay XXXX dollars and she wouldn't accept my payment. also threaten to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX A roommate used my private information to say his electric bill was mine. I only stayed at his apartment for a few weeks the bill is over XXXX dollars of which I'm not responsible for.

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1- In response to my dispute regarding the XXXX account, the Error shows on the data reported on Plain Sight As XXXX  150 DAYS PAST DUE, XXXX  150 DAYS PAST DUE, XXXX  180 DAYS, which is inaccurate and ground for removal and delays the removal date to XX/XX/2023 instead of immediately as required by law, if the law is ignored the removal date has passed, Please Check XXXX, XXXX, and XXXX data below to find the error. 

** XXXX, had notified EXPERIAN and XXXX of their removal of the XXXX account as shown below to update their credit report EXYERIAN, is the only one who refused to correct the error. 

XXXX XXXX XXXX is a result of Identity Theft which was removed by the original creditor.

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act # XXXX, My rights were violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: SC

Complaint narrative:
I received an email this month from XXXX XXXX that said a derogitory mark had been placed on my credit report. 
I had been badly scammed XXXX XXXX so I always look and make sure things are ok. 

When I looked it shows I had a derogitory mark added to my credit by a Prince Parker & Associated per XXXX XXXX XXXX XXXX XXXX. I had to have XXXX XXXX in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX. I had picked up an entire box of copy paper put it on my shoulder and walked upstairs to our offices. Well turns out this caused a couple discs in my neck to rupture/break not sure the medical term. This became a WC Case. 

XXXX set me up on a payment plan and the first sign of being turned into collections I called and was told notes were put on my account that it was a pending WC case and would not be sent to collections. 

As soon as I received the settlement from my case I paid XXXX in full on XX/XX/XXXX {$1.00}, XXXX! 

Then in XXXX they add it to my credit report?! It was the evening when I found this out so I pull out my folder of all my documents and receipts from my XXXX and WC case. I start calling XXXX the next morning left messages and received no return call. 
Called again the next day and got someone. I told him what was going on and I was told he could see in my notes that it was WC and not to be sent to collections as well it was paid in full. The rep said he had to speak with his manger. When he came back to the line he said it was a mistake and they were going to call Prince Parker and have it removed. 

In the mean time I XXXX the Prince Parker agency and called. I spoke ith a XXXX who said pending WC cases are not to be sent to collections. She said it may take up to 30 days and it would be deleted and would be like it never happened. Well when the collection was placed on my credit my score dropped XXXX points! 
So if it was a mistake and it would be like it never happened I feel my score should go back to what I worked hard for it to be! 
After speaking with XXXX I immediatly got a call back from XXXX that they got emailed by Prince Parker. I said yes because I called them also.

I feel your credit score dropping XXXX points due to someone at a billing office making in error is huge! XXXX at Prince Parker made it sound like a huge mistake! 
Well it certainly didn't take 30 days it was removed the day after. 
The days I spoke with XXXX and Prince Parker was XX/XX/XXXX. It was removed from my report on XX/XX/XXXX. 

However, it is not like it never happened. My report says removed account settled and my score did not go back up XXXX points. If it was like it never happened I should not be able to be it and my score should be reinstated! That is my complaint! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
XXXX PNC Bank has terrible reviews across the internet for good reason. And they have been ripping me off FOR MONTHS. 

I tried in good faith for THREE MONTHS to work in person to get my issues resolved, but their flippant responses and continuation of bad practices were impossible to deal with. THEY DO NOT CARE ABOUT THEIR CUSTOMERS AT ALL. 

This is what happens when you have ONE BAD ACTOR at the helm, who has named himself CEO, president and chairman of the board. 

Specifically, the terms of my loan are that I owe INTEREST ONLY, but if the interest only is less than a {$75.00} minimum monthly payment, I will have to pay {$75.00}. This was reiterated to me on the phone by someone named XXXX at around XXXX XXXX on XX/XX/22. 

The BALANCE of that {$75.00} minimum payment should have been APPLIED TO PRINCIPAL, but instead, PNC Bank stole the money. 

On XX/XX/XXXX, {$75.00} - {$11.00} actual interest owed per statement equals {$63.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$28.00} actual interest owed per statement equals {$47.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$49.00} actual interest owed per statement equals {$25.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$57.00} actual interest owed per statement equals {$17.00} stolen from me. 

PNC Bank owes me {$150.00} PLUS INTEREST accrued using their usurious math - backdated to the dates when they originally stole my money. 

-- -- -- - Apparently my annual fee is assessed in XXXX each year. PNC statements are difficult to read, but I have reviewed them closely. They are attached. I have no quarrel with the annual fee. 

THIS ALL COULD HAVE BEEN HANDLED IN PERSON. 

Furthermore, I find it reprehensible that I can not make a principal  payment unless I do it on the 12th of the month, and in spite of making every effort to be a good customer and pay off my loan, they want to get their FEES FIRST no matter what. What a terrible, awful company. I miss BBVA so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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. ( IVE SENT OUT LETTERS TO ALL XXXX CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXXXXXX XXXX XXXX Account number XXXX 
XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Company would not fix a fraud issue with XXXX. They suggest using XXXX but will not do anything about a fraud transaction.

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 2023-04-15 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Copy of Email sent on XX/XX/XXXX to XXXX XXXX XXXX  XXXXXXXX XXXX EST To the investigation team for identity theft and fraud, I submitted a screen shot from XXXX credit agency showing that the following two accounts are under DISPUTE a SECOND TIME because they are identity theft as requested by XXXX AFFIRM member customer rep who created the CASE ID on XX/XX/XXXX approximately at XXXXXXXX XXXX 

I was supposed to receive FOLLOW UP by the AFFIRM INVESTIGATIVE TEAM by XX/XX/XXXX. I receive NO FOLLOW UP VIA EMAIL. 

I emailed affirm again on XX/XX/XXXX included the requested screenshot dispute page from XXXX and still received NO FOLLOW UP. 

I called the affirm customer phone center twice due to not being able to hear the representatives speak without repeating cutting in and out on the phone and asked to escalate to a supervisor XXXX who repeated a script about needing to resubmit due to me receiving no follow up and that it takes 3-5 business days to receive follow up. 

I had to disconnect the phone call with supervisor XXXX because I could not hear him any longer. 

I had multiple fraudulent accounts opened with AFFIRM all in collections without my consent back in XXXX of XXXX which I discovered in XX/XX/XXXX when I received an updated credit report from all three credit reporting agencies and was experiencing identity theft. 

AFFIRM reported in XX/XX/XXXX to XXXX dispute that I filed that ALL accounts were indeed fraudulent except for TWO ACCOUNTS : That begin with XXXX AND XXXX with balances remaining even though the accounts were all closed by my request and still causing major damage to my credit report and XXXX score. 

This is the reason for opening CASE ID XXXX to dispute the remaining two AFFIRM accounts as equally fraudulent. 
It is iLLOGICAL that these two accounts would remain on my credit report due to AFFIRM but all others all opened in XX/XX/XXXX without my consent using my personal information would be legitimate. 

I am extremely upset with the delays and system of AFFIRM to give me scripted answers and no appropriate follow up for a simple matter where these accounts should also be immediately reported as fraud to XXXX so they can also be removed from my credit report. I did not OPEN ANY AFFIRM ACCOUNTS IN XX/XX/XXXX AND I AM NOT FINANCIALLY RESPONSIBLE FOR THEM. 

However, Until AFFIRM confirms these last remaining accounts are also fraudulent like all the others they confirmed fraud, my credit report suffers and it shows me responsible and that they are in collections! 

Who will step up in AFFIRM and take responsibility to do the right thing? 
I am reporting this situation to the CFPB Consumer Financial Protection Bureau. 

XXXX XXXX XXXX AFFIRM DISPUTED ID THEFT XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: FL

Complaint narrative:
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. ( IVE SENT OUT LETTERS TO ALL XXXX CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXXXXXX XXXX XXXX Account number XXXX 
XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: IA

Complaint narrative:
A new debt surface on my credit on XXXX XXXX, XXXX from a company called Lockhart Morris & Montgomery for the amount of {$7000.00}. I asked for information showing that this debt was mine and they have failed to submit anything to me. I never heard of this company and don't have any accounts with this company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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. 

Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX ( XXXX XXXX ) Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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. 


I was the victim of identity theft years ago and was unaware of the proper steps to take to rectify these issues and it has spiraled out of control and caused a multitude of financial setbacks in my life. I have notified and provided the creditors as well as the bureaus with documentation stating such in detail and they willfully remain negligent and noncompliant with the law and my rights under these laws and REFUSE to remove these fraudulent and inaccurate accounts and further more fail to do a proper investigation and fail to provide me with any documentation as to how these accounts belong to me when in fact THEY DON'T. I have also submitted numerous complaints with the CFPB as well as my states attorney general as well as disputed these items directly with the bureaus they are listed and as well with the creditors all of which decline to rectify the situation. I am submitting yet another complaint under a separate email in hopes my complaint will be heard and someone will follow through with holding these parties accountable in ensuring they report and maintain accurate and correct information only.

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 2023-04-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
ear Federal Trade Commission, I am writing to lodge a formal complaint against American Express regarding my application for the Blue Cash Everyday card in the summer of 2022. Despite my cancellation request, I was shocked to find that my credit report had been negatively affected by the balance shown on my American Express account, which I never used as I never received the card. 

I have attempted to resolve this matter with American Express, but to no avail. I initially contacted their customer service team, and I was informed that an investigation was underway. However, it has now been over 4 months, and I have not received any updates on the status of this investigation. This delay has caused me undue stress and financial hardship. 

I urge you to investigate this matter thoroughly and take appropriate action against American Express for their negligence in handling my account. I believe that American Express has violated consumer protection laws and regulations by allowing a balance to accrue on an account for a card that was never received and canceled. 

I request that you hold American Express accountable for their actions and provide me with compensation for the damage caused to my credit rating and the inconvenience and stress that this situation has caused me. 

I look forward to hearing from you soon with a resolution to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation