vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX : XXXX XXXX : XX/XX/ ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My information was sold and bought illegally because I was a victim of the Equifax Data Breach . I want these items deleted from my credit report immediately. I am attaching proof that Equifax that I was in fact a victim of this data breach and equifax has done nothing. Please help me by deleting these negative accounts from my Equifax credit reports. 

Account Names and Account Numbers : XXXX XXXX and XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion placed an unauthorized fraud alert on credit report and when asked to remove it they did not remove it so this affected my credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
A lot of hard inquiries are on my credit report and some of the personal information is incorrect. Also, some of the previous credit accounts are wrong. I do not understand how the credit bureaus, all three XXXX, Equifax, and XXXX are getting their information because it's not from me. Some of the information is correct but some information is incorrect. I can provide the exact information I need to be corrected once this complaint is further resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian and XXXX multiple times concerning the manner in which XXXX XXXX XXXX information is being presented on my credit report. This account indicates that it went into collections in XXXX of XXXX ; however, XXXX indicates that the last payment was made in XXXX of XXXX, while Experian states that the last payment was in XXXX of XXXX. I requested a comprehensive investigation and asked for sufficient evidence that the investigation was caried out. Despite this, I did not receive any communication regarding my dispute. It is evident that a thorough investigation could not have been completed as there are still several inaccuracies present on my credit report. According to the law, Experian and XXXX are obligated to ensure that they report information with the MAXIMUM POSSIBLE ACCURACY.

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 2023-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I contacted PayPal on XX/XX/ around XXXX to let them know that my account had been compromised and used while I on there for {$1500.00} I also told them to close my account to prevent further usage of it. They did not do that. They told me they would resolve the issue in 10 days. Its been past 10 days and still nothing. I called and spoke with a lady named XXXX and she told that the case has been resolved and that money would be refunded back to my PayPal balance the next day. However it was not and I called back and could not get an answer from anyone. I spoke with XXXX ( a representative ) and he told me I should have had my money as well if it past the 10 day investigation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
Unauthorized transactions were placed on my chimeaccounts right now XXXX all transactions are inconistant dates and timesthe transactions were made I was left by a XXXX  driver and had to call another XXXX XXXX there in two minutes at XXXX XXXX pawn shop picking up my computer I had to chat with XXXX  to complainonce XXXX was contacted the transaction history with chime I took a screenshot ofwas changed I received phone caLLS FROM TAXPAYER ADVOCATE person named XXXX and XXXX bank client advocate all through complaints with the cfpb named XXXX there storyline behind how chime came about was a student pell was taken through fees at a traditional bank the name chime was a worker at XXXX XXXX who house porch was filled with chimes and linked to student aid fraud. There was a XXXX XXXX  XXXX XXXX who was sjhown and asked and given my student loan information ( nondischargeable ) which are FERPA violations because I did not consent to anyone having my student aid information other than the college I attended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
this is a on going problem since my car was repo back in XXXX. I have many problems one I regain my car but still have a charge off on my credit making it hard for me to sell so next problem they moved my loan to a different department making it that I have to call in my payments lines are always on hold and once I do a phone payment I don't get a recipe I don't like that so to track my payments I started doing online payments where my bank mail them the payment they are not posting the payments missing payment the checks not being cashed making me fall behind there was 3 payments not posted and I had the bank on the phone with me to prove one of the check was cashed but not put to my payments 3 checks never got cash and now it takes my bank 30 days to track the checks down and cancel them for me to get my money back 3 weeks ago I did a bills payment for {$1500.00} no recipe not posted then another one for {$500.00} no recipe not posted this is crazy and they the ruddiest people to talk to understand they not getting my car and they need to get it that people can do online payments so I can see the transacton and posted payment with a recipe

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not give consent or authorize the following inquiries on my credit report : By obtaining my Experian consumer report on the dates below without my permission, or without a permissible purpose by law, this is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with the companies below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies below for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
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

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 26 days late. 

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023XXXX XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 23 days past due. 

The company bills for late fees but when paid they do not allocate the additional funds to cover for late fees. This is an unfair practice. 

This erroneous information is hurting my credit profile.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 26 days late. 

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 23 days past due. 

The company bills for late fees but when paid they do not allocate the additional funds to cover for late fees. This is an unfair practice. 

This erroneous information is hurting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 26 days late. 

My auto loan payment for XX/XX/2023 was made and funded on XX/XX/2023. XXXX XXXX is reporting me 30 days past due when the payment including late fees were paid 23 days past due. 

The company bills for late fees but when paid they do not allocate the additional funds to cover for late fees. This is an unfair practice. 

This erroneous information is hurting my credit profile.

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 2023-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westcreek Financial
State: VA

Complaint narrative:
Koalifi miss lead me on payments.Charged me an outrageous amount of intrest. Took several unauthorized payments from checking account.Refused to work with me on lowering my payments or extended them.countinue to increase my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: NC

Complaint narrative:
On the morning of XXXX, I used my debit card from Axos Bank to make a purchase at a XXXX. The purchase was for approximately {$7.00}. The transaction was successful. Later that afternoon I attempted to use the debit card to purchase lunch from XXXX, and the debit card kept declining. I contacted Axos customer support and was told that the bank was performing end of year maintenance, and that the maintenance should be completed in approximately 2 hours. This was XXXX XXXX  on a Saturday, and I thought it was odd that a bank would be performing maintenance that prevents a customer from using their debit card in the middle of the afternoon. I waited the 2 hours and the debit card still didnt work. I called again, and was told that IT is aware of the issue and is working on the banks servers, and that my card should work again by the end of the day. Shortly after midnight, I attempted to use the debt card again. This time, the transaction not only declined, but my debit card was placed in a suspended status. 
This led me to call Axos customer support again, and they told me that the most recent transaction was identified as possible fraud, and that the fraud center had placed a temporary block on my card. To rectify the issue, all I had to do was speak to the fraud center, verify that the transaction wasnt fraud and my card would be active again. I spoke to the fraud center and they told me that theres no block on my debit card, and that I would need to speak to Axos customer support. I called Axos again, and they told me that the fraud center did in fact place a block on my debit card. The back and forth, speaking to the fraud center and Axos Bank happened 3-4 times, and no one was able to give me a reason why this happened, and how to correct the issue. 

I went to bed and reviewed my account around XXXX XXXX  on XXXX. My debit card is still in a suspended status. Ive called Axos customer support again, and theyre giving me the same response ( the fraud center has a block ), and that theyll need to transfer me. It is currently XXXX XXXX XXXX  on XXXX, and Ive been on hold, waiting for the fraud center to pick up for 20 mins now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHRISTUS HEALTH
State: TX

Complaint narrative:
I contacted TLRA on Friday XX/XX/XXXX  I also wrote a letter and put in t he mail on XX/XX/XXXX Requesting the original accounts because they letters were the first of me knowing that I owed anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I called and spoke to many people. First one says they can send a text with a link to get account number. Next I spoke with XXXX XXXX who said she has no info for me. I asked to speak to manager who was XXXX XXXX. He told me that at the moment he could not give me the info. Next I spoke to his manager who I failed to get his name. He told me everything was fine and that all we had to do was resend the information to me through the internet. XXXX seconds later I was hung up on. These people were very unprofessional and could have easily fixed my problem. I have numerous banks and credit cards and never had a problem like this. Their attitude was very rude. I don't know if it's because it's new years but they should not be able to talk to people like this and treat them like that. 


Thank you 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 2023-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Choice Assets LLC.
State: MI

Complaint narrative:
Someone named XXXX called me on XXXX/XXXX/23 saying she was from XXXX XXXX XXXX and wanted to talk to XXXX or XXXX. Saying she will be in the office until 2 .I said this is a new phone number for me and she needs to stop calling me because I will say some unpleasant words..! Waking me up and I am XXXX. Talking stupid about a owed bill.I have a XXXX the phone number I was given was when I Lived in XXXX Va I guess whoever had the phone number owed someone money.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I had an affirm account that was charged off and sent to a collection agency. I entered into a settlement agreement with the collection agency. I paid off the settlement amount, but the initial creditor is still reporting a balance owed. I have contacted the company over and over, and also disputed the account with the credit bureaus but they keep confirming the account information as incorrect. Yet the account is settled in full, and I am providing proof with the dispute that the account is settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax about a collection account on my credit report. I am unable to get in touch with the company managing this account because Equifax has not provided the necessary information for me to do so. I need to verify the debt and make it clear that this is not my debt, as it is adversely impacting my credit report without any evidence of its ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I WOULD LIKE TO REPORT A BILLING ERROR AND SECURITIES FRAUD FOR PAST BILLS/ CERTIFICATES OF INDEBTNESS ACCORDING TO 15 USC 1666 b TIMING OF PAYMENTS. EXETER FIANANCE IS IN VIOLATION OF SEVERAL RULES GOVERNING CERTIFICATE OF INDEBTNESS AND OPEN ENDED LOAN PLANS. THE COMPANY IS REPORTING A LATE PAYMENT TO THE CREDIT BUREAUS AND CODE OF FEDERAL REGULATIONS STATES CREDITOR MAY NOT REPORT ANY PAYMENTS AS LATE UNDER SUCH TYPE OF LOAN PLAN. THE COMPANY ALSO DID NOT CREDIT MY ACCOUNT FROM THE DIVIDEND PAYMENTS THAT THEY MADE OFF OF MY TREASURY COUPON. VIA THE ELECTRONIC FUNDS ACT, I WAS SUPPOSE TO RECEIVE MY DIVIDEND PAYMENTS BACK TO MY DEPOSIT ACCOUNT. PLEASE REFER TO 12 CFR 1026.3 BILLING ERROR RESOLUTION RULES PENDING. I ALSO NEVER RECEIVED THE 20 % OF SHARES I WAS ENTITLED TO FROM THE SELLING OF DEBTORS SECURITY. SHARES WERE TO BE TRANSFERRED TO MY TREASURY DIRECT ACCOUNT XXXX. CONSUMER IS FILING INDIVIDUAL INVESTOR COMPLAINT WITH SECURITIES AND EXCHANGE COMMISSION ALONG WITH REQUESTING AUDIT OF THE ACCOUNT FROM IRS OMB FORM 211. I ALSO NEVER RECEIVED ANY LOAN FROM EXERT FINANCE, BUT YOUR REPORTING ON MY CREDIT REPORT THAT I HAD AN AUTO LOAN, BUT THIS IS INACCURATE INFORMATION. YOU SIMPLY PURCHASED A CONTRACT AND THE CONTRACT IS ONLY VALID BETWEEN CREDITOR AND SELLOR. I AM THE DEBTOR AND SUPPOSE TO RECEIVE DIVIDEND PAYMENTS FROM THE CERTIFICATE OF INDEBTNESS / SECURITY CREATED WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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