vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-09 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: NY

Complaint narrative:
I am having an issue with the three major credit bureaus XXXX, XXXX, and Transunion. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA 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 2022-01-09 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: NY

Complaint narrative:
I am having an issue with the three major credit bureaus Equifax, XXXX, and XXXX. These agencies have been reporting erroneous information on my credit report. I have tried time and time again to rectify these issues with the credit bureaus. They have stopped responding to my letters and have been continuously reporting this incorrect information on my credit report. Firstly they have been reporting a payment history of charge offs! That is incorrect how can a credit history contain only charge off and nothing else? Theyre reporting charge off accounts also as a collection and charge off! they have also been reporting charge off and collection accounts as open instead of closed! Under consumer law charge offs are considered income that must be filed on my federal taxes and not debt! Theyre reporting this as debt which is incorrect under these consumer laws! They have also been reporting inconsistent information across all three bureaus, according to the FCRA all credit bureaus must report identical information! Theyre all in violation of the FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
i was a victim of identity theft and was currently XXXX at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc.
State: TX

Complaint narrative:
i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
My payment is due on XX/XX/2022, so I logged on to the Capital One website and set a payment today, at about XXXX Pacific Time. When I logged in, my account showed I had been charged a {$29.00} late fee already today, despite my payment being due today. 
I felt this was unfair and a way for Capital One to exploit customers that are faithfully trying to make their payments on time, but can not rely on automatic payments. 
I called Capital One to ask for the late fee to be waived. After waiting on hold for 45 minutes, I was able to speak with a representative. 
The representative did not agree to waive the late charge and stopped responding mid call, pretending he could not hear me, and then the representative from Capital One hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09 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 am the victim of identity theft and I have reached out to the listed companies and reporting agencies. All they did was claim to have notated it in their records. THere are several unknown account and over 30 inquiries that i did not authorize, please assist me in investigating this matter and helping me with these accounts that I did not open

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 2022-01-09 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: TX

Complaint narrative:
I am the victim of identity theft and I have reached out to the listed companies and reporting agencies. All they did was claim to have notated it in their records. THere are several unknown account and over 30 inquiries that i did not authorize, please assist me in investigating this matter and helping me with these accounts that I did not open

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: RI

Complaint narrative:
I saw a debt collection on my credit report, XXXX XXXX and XXXX for a school Ive never been, never received any services from them, I contacted XXXX XXXX the debt was clear at the time it was XXXX, soon later theyre removed the debt to XXXX which is almost {$10000.00} for no reason. Ive never been in this school and never received any services from them. First time I talked to them I got insulted from them, they even told they know where I am working, the will contacted the place that I am working. T

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because KOHLS have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2022-01-09 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: NJ

Complaint narrative:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, XXXX  Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Ive contracted XXXX and utilized saving, XXXX and credit cards to make credit obligations however I have exhausted. Ive had numerous accounts with Affirm with a excellent pay history but need assistance. For the past 3 weeks, Ive tried 2 - 3 times a day to request payment assistance but your website will not complete the request. Affirm have a web page to assist Affirm customers with payment options that are Covid impacted. 
Several friends have tried also and your website does not complete. If there aret any options in assisting customers, your impacted website is deceptive and misleading. If Affirm have no intention on assisting customers, it should not be on the website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: NJ

Complaint narrative:
I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way they were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account, XXXX Account 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 2022-01-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: VW Credit
State: NY

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
In XX/XX/2021 Portfolio Recovery Associates added a collection from XXXX XXXX XXXX XXXX XXXX on my credit account for the amount of {$960.00} I don't know what this is and this doesn't belong to me, this account was not legally validated and I need them to delete this unverified and inaccurate account that is negatively hurting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: MI

Complaint narrative:
I XXXX XXXX a consumer entered into a consumer credit transaction with Carvana on XX/XX/2022. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. My property was supposed to be delivered to me on XX/XX/2022 but later found out that Carvana refuse to release my property because I didn't verify my income for a down payment. Pursuant to 15 usc1662 I know that I'm the Original creditor and just extended my credit to Carvana so they should not have been asking or promoting that a specified down payment is required in connection with any extension of consumer credit unless I asked for it. I was so upset I've been having headaches and I will not stop sweating. Upon speaking to a live representative on XX/XX/2022 named XXXX from the Arizona location she too continued to tell me I had to make a down payment to receive my property. I proceeded to her I couldn't and that would be Illegal, and I would not make the payment. XXXX told me contact their office to fix my problem. Later on, the same day I called Carvana and was connected with XXXX in the department of verification at the Arizona location he was rude, and I told him that this was a consumer credit transaction and that I had purchased the car and put security interest in my property with my credit card pursuant to 15 usc 1602 with my open-ended credit plan, so it was no need for down payment because that would be Illegal. he told me I didn't pay for it with my credit card and that federal law meant nothing. I told him the contract was under federal law he did not care. At this point I had to take a break and hang up because I felt a XXXX XXXX coming on. I decided to call one more time later on the same day and was connected to a supervisor who yelled at me and basically and told me I had to make a down payment, or I wouldn't get my car. I told her that was illegal, and I asked for the audit trail of the alleged loan since she said I got a loan from Carvana, and she refused. She then referred me to XXXX XXXX from the Department of verification which I once again told her this was a consumer credit transaction, and that the car is paid for with my credit card and she told me I had to make the down payment as well or would not receive the car. I asked her for the audit trail to the alleged loan and she refused and pursuant to 15usc 1691 I have the right not to be discriminated against and a free copy of any appraisals and valuations developed in connection with the applicant 's application for a loan that is secured. I can't believe that Carvana is really furnishing certain deceptive forms pursuant to 15 usc 1692j and also not giving me the right to recission pursuant to 15 usc 1635. Carvana also committed identity theft pursuant to 15 usc 1602 ( p ) because they ran my credit card, and I received no benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
to start I had a credit card thru amazon. which i had great history with but when covid started i had trouble paying the bill and then activated my credit protection service i was paying for the card. after a while they were paying and after six months, the service was gon na pay my debt in full, after submit the documents and i did that many times and they had a excuse for every time. 

then final amazon closed the account because it was not paid which i faught back and fouth with the people that were going to cancel the debt, which is the service i paid thru amazon for.

after a year now amazon store card is still reporting the card late and hitting my credit and still adding money or charges to the card fees, and etc. which once the card is closed and charged off no more fees added and etc but amazon store card is still adding more fees and etc and still reporting late payments etc to 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 explanation
Consumer complaint received 2022-01-09 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express dispute team created a FAKE transaction on my card in XX/XX/XXXX, then added this fake transaction to my XX/XX/XXXX statement even though I already have the transaction there on XX/XX/XXXX ( there is 1 charge on that day that is real, then I disputed it and they gave me the dispute credit and said I won dispute, but then went into my account and literally created a FAKE line item transaction for a duplicate charge and put it into my XX/XX/XXXX statement so it would cancel out dispute winnings ). Is this even legal? They are doing fraud to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have wrote these companies several times about the XXXX XXXX account reporting open on Equifax but closed and charged off as bad debt on XXXX. They are reporting different dates and different balances. To my knowledge this is a violation of the FCRA. The creditor keep giving reporting agencies inaccurate financial information about me. Inaccurate balance, reporting that my account is active after it was closed, reporting unknown consecutive payments when the account has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since XXXX waiting for a response. i will not wait amount 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC 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 2022-01-09 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: TX

Complaint narrative:
The accounts listed are adversely affecting my credit report and it is costing me money.This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem to be fixed asap, I have been going back and forth since XXXX waiting for a response. i will not wait amount 50 or 60 days to receive no response because it is clear that I am being ignored on my disputes. I demand these accounts be deleted immediately or I will have no choice but to file for litigation due to all the things that you have caused me. In Section 611 ( a ), it states that any failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be deleted promptly. Attached is a copy of my Photo ID, my social security card, proof of address, my disputes, and my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have wrote these companies several times about the XXXX XXXX account reporting open on XXXX but closed and charged off as bad debt on TransUnion. They are reporting different dates and different balances. To my knowledge this is a violation of the FCRA. The creditor keep giving reporting agencies inaccurate financial information about me. Inaccurate balance, reporting that my account is active after it was closed, reporting unknown consecutive payments when the account has been charged off.

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