vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-11 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: TN

Complaint narrative:
After reviewing my consumer report I have found inaccurate reports regarding alleged debts being of obligation to me. I have already address this issue with my XXXX reports in which they knew to delete this inaccurate information. For whatever reason XXXX and Equifax seem to believe they are above the laws and consumer rights protections and refuse to delete the inaccurate information being reported on my consumer reports. I would like it to be adequately clear that they are in clear and absolute violation of my rights as a federally protected consumer. I have made it very clear to them that these accounts should be deleted swiftly as XXXX did ; be clear that deletion is an admission to violating federal laws yet Equifax and XXXX seem to care not. If XXXX understood their violations and adhere to the remedy demanded easily any other reporting agencies should be able to understand the same. This will be my last and finally attempt to provided them this simple remedy for their violations against me before I seek litigation remedy. Being that I have made previous attempts for remedy that were disregarded and falsified as verified I will only allow 15 days for this remedy to be fulfilled. Equifax and XXXX both have been put on notice and instructed to provide me with the remedy due in which they were provided upt to 60 days to respond and each time they decided to use the entirety of the time available to again completely disregard the violations and falsify that the information has been verified. XXXX and Equifax SHALL DELETE the following inaccurate and falsified information listed below off of my consumer reports within 15 days from today XX/XX/2024 in accordance with the FCRA and CFR. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MUST DELETE all accounts listed above Equifax MUST DELETE all accounts listed above immediately. 
I document everything for the past two years while I've been gaining a better understanding of the laws in place to protect me. I will have my remedy one way or another lets not waste each others time here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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:
. Subject : Dispute of Inaccurate Information on Credit Report and Detailed Description of Verification Methods Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by Experian XXXX, and XXXX. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to Experian XXXX, and XXXX regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.

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 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 conviction of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person may 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 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 2024-08-11 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: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to you in a state of utter desperation. The inaccuracies on my credit report have shattered my dreams, torn apart my sense of security, and left me in a constant state of anxiety. My life is unraveling before my eyes, and I dont know where else to turn. 

I recently filed complaints ( Complaint IDs : XXXX, XXXX, XXXX ) concerning several accounts that are inaccurately reported on my credit file. Despite my best efforts, XXXX, XXXX, and XXXX XXXXXXXX XXXX have told me they can not even find my accounts, leaving me helpless in providing details that I dont have. How can I defend myself against something they claim doesnt exist? 

Because of these errors, my life is falling apart. The car I need to go to work and the home Ive dreamt of owning are both slipping through my fingers. I am mentally and emotionally broken. The weight of this situation is unbearable, and I fear that it could destroy everything Ive worked so hard to build. 

The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are wrongly holding me XXXX, violating my federally protected rights to privacy and confidentiality under 15 USC 1681. I reviewed my XXXX credit report on XXXX XXXX XXXX, and was devastated to find glaring inaccuracies that are completely beyond my control. 

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, under 15 USC 1681i ( a ) ( 5 ), if disputed information is found to be inaccurate or unverifiable, it must be promptly deleted or corrected. And yet, despite these clear legal protections, I remain trapped in this nightmare.

Furthermore, under 15 USC 1681s-2, furnishers are prohibited from providing information they know or have reasonable cause to believe is inaccurate. And yet, my life is being destroyed by false information that continues to haunt me. 

My Previous Complaint Details : Complaint ID : XXXX ( XXXX ) XXXX ID : XXXX ( XXXX ) Complaint ID : XXXX ( Equifax ) These complaints remain unresolved, and the inaccuracies persist, wreaking havoc on my life. I am begging youplease, remove this inaccurate information from my credit report. I feel like Im drowning in a sea of injustice, with no way out. This is not just a matter of numbers on a report ; this is my life, my future, and my sanity at stake. I can not bear this burden any longer. 

Please help me fix this before its too late. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
On XXXX XXXX I requested a buy now pay later loan from Affirm in the amount of {$1400.00}, to make a purchase of {$1400.00} from XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, XXXX issued a refund in the amount of {$1400.00}. I believe they charged me a return shipping fee of {$4.00}. I looked at the Affirm account on XX/XX/year>, and saw where Affirm had a refund in the amount of {$1400.00}. It is my belief that Affirm is trying to charge me interest on the full amount that they purposely held back on refunding until XX/XX/year>. On XX/XX/year>, I made a payment in the amount of {$5.00}. I'm expecting the loan to be paid in full. But notice that there still was a balance of {$24.00}. I contacted Affirm, and their explanation was because XXXX didn't fully refund the amount of {$24.00}, I am responsible for it. As shown above, the only amount that XXXX didn't refund to the purchase amount is {$4.00}. As I stated above, I paid {$5.00} to the account. It has been accustomed to me that Affirm doesn't charge interest until the first payment is due, which in my case would have been XX/XX/year>. The account was fully adjusted by Affirm and I on XXXX XXXX. I have on some other loans that I made with Affirm, paid the loan in full before the due date and no interest was applied. Affirm has even offered to save me money on my interest if I paid a certain amount. So, feel that I am being frauded for the {$24.00}, that Affirm is claiming I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
i sent documents in to show i am a victim of XXXX XXXX and they were supposed to block the items in XXXX days

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 2024-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
My wife and I submitted a hardship request for a loan modification with Amerisave mortgage in XXXX of XXXX. They initially requested that we send supporting documents such as pay statements and bank statements. This process continued for months without any resolution, so we hired XXXXXXXX XXXX XXXX XXXX  out of XXXX XXXX, CA ( {$4000.00} ). to assist us in our effort to communicate with Amerisave effectively. This process with the XXXX XXXX started in XXXX of XXXX. Even with their assistance, we still had problems with Ameirsave working with us in a timely manner. All along we were getting further and further behind on our mortgage. However, the agreement with XXXX  was to pay them to communicate with Amerisave and our payments would be halted until an agreement was reached with Amerisave on a modification. Finally, after back and forth communication with Amerisave over a 7 month period, Amerisave finally sent us a modification agreement. We signed the agreement and started our trial payments. However, on the last payment, I spoke with one of the loss mitigation reps to set up the payment to come out on the first of the month. The payment posted on XXXX the XXXX to our account, but Amerisave said that it post on their end on the XXXX of XXXX, which they say voided the trial plan agreement because the payment posted early. This incident showed up on our credit as a late payment. We finally got that issue resolved with the help of XXXX XXXX and the final modification paperwork was sent to us and we signed and returned it around XX/XX/XXXX. They initially said that it take about 2 weeks for them to the finalized modification to with the amount of the new mortgage payment. It has now been a month and the finalized papers has not yet been sent. Our credit is still showing our mortgage is behind, but it is not. We have continued to make the payments since we completed the modification. This has been a very stressful process and we sincerely feel that Amerisave has dealt with us unfairly and unjustly. We are now in a better position to handle our mortgage, and would like to move pass this process. Your assistance in bringing this matter to completion would be greatly appreciated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NJ

Complaint narrative:
I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

Enclosed are copies of my FTC Identity Theft Report filed in connection with this identity theft.

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
XX/XX/XXXX : Navient received my application for XXXX XXXX XXXX for private loans XX/XX/XXXX : My application was denied stating, " you do not meet the requirements for discharge based on misconduct by your school. '' I would like to move forward with an appeal and/or compliant to understand why this happened and hopefully get it rectified. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: ADIR INTERNATIONAL LLC
State: NV

Complaint narrative:
On XXXX XXXX XXXX, I made a payment to bring my account with Curacao up to date. I had received an email on XX/XX/XXXX that my account was behind but it did not mention closing my account or even putting a hold on it. When I attempted to use my account again after noticing that the server had refreshed it to be up to date, it said I needed to reactivate my account. This despite my account showing I had an available balance and no notice being give at any time of my account being closed. I tried to reactivate my account only for them to do a soft pull of my credit and tell me no. Then they said they could either do a hard pull or I could wait 3 months to try again. When I explained that I hadn't been given proper notice they simply said it's in their terms and conditions ( which wouldn't supersede the law ). I then said that I would like to escalate the matter to customer service but the person simply pretended to transfer the call then hung it up. I tried to call back but was immediately connected to the same person. I asked if I had a credit account with them and they said I had an active account but the credit was not active.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 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: NC

Complaint narrative:
XX/XX/XXXX I contacted XXXX in regards to erroneous information on my report as I was trying to buy a home. I provided information for accounts that had been paid, accounts put in my name that were not mine that I paid anyway. XX/XX/XXXX, I provided XXXX information for accounts they are showing again me that were paid by a Workers Comp Claim. To this date XX/XX/XXXX, XXXX refuses to update the information. Currently they are even showing I have 4 accounts with negative information but they are only reporting 3 accounts with negative information which is still erroneous information being reported. I have become homeless due to these mistakes and at this time will seek Attorney. I have all documents which have been given to XXXX over and over for years now! The also refused to update my credit score with XXXX XXXX accounts reported to them per my creditors.

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 2024-08-11 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: NC

Complaint narrative:
XX/XX/XXXX I contacted XXXX in regards to erroneous information on my report as I was trying to buy a home. I provided information for accounts that had been paid, accounts put in my name that were not mine that I paid anyway. XX/XX/XXXX, I provided XXXX information for accounts they are showing again me that were paid by a XXXX XXXX  Claim. To this date XX/XX/XXXX, XXXX refuses to update the information. Currently they are even showing I have 4 accounts with negative information but they are only reporting 3 accounts with negative information which is still erroneous information being reported. I have become homeless due to these mistakes and at this time will seek Attorney. I have all documents which have been given to XXXX over and over for years now! The also refused to update my credit score with Experian XXXX accounts reported to them per my creditors.

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 2024-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX was sent by way of certified mail of inaccuracies reporting on credit file that do not lawful written consent per 15 USC 68202. Also proof of opt-out/privacy so XXXX, XXXX, TransUnion, XXXX XXXX XXXX not share, sell my information since XX/XX/XXXX. 

On XX/XX/XXXX XXXX was sent another Certified letter requesting full re-investigation of disputed accounts and inquires that are allowing companies/third parties to report improperly and unlawfully. Per FCRA 623 ( a ) ( 2 ) ( B ) ( 7 ) ( G ) ( i ). 

I have spoke with XXXX XXXX agents on XX/XX/XXXX, needless to say they are adamant about not complying with correcting, updating or removing inaccurate consumer personal information and non consumer accounts. One agent was dismissive and arguementive. 

Not only has XXXX violated my consumer rights per the FCRA, FDCPA, FTC, XXXX has reported to file on behalf of their affiliates and add unauthorized information, verified debt with true original documentation validity of any/all debt belonging to XXXX XXXX XXXX 

This has caused great hardship, stress and suffering. Companies and XXXX are in violation of : FERPA of 1974, FCRA section 604 ( a ) ( 3 ), FCRA section 619 permissible, FTC 623 ( a ) ( 5 ) ,805, 806,809,15 U.S. Code 1681s2, 15 USC 6801-Opt out, 15 USC 6802 may not, 15USC 6802 financial institution may not directly or through affiliate, disclose to a nonaffiliate /3rd party any non public information. 15 USC 6803/6804, 16 CFR 433.32, 16 CFR 313.1, 15 USC 6801- ILLEGAL TO REPORT TRANSACTION HISTORY/UTIALZATION WITHOUT CONSUMER WRITTEN CONSENT., 15 USC 1692/ ( g ), 15 USC 1692 ( e ) ( k ) -civil liability damage 16 USC 1681 {$1000.00} per violation.15 USC 16911-authorization.

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 2024-08-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to make a full on-time payment for my Capital One credit card using my XXXX XXXX XXXXXXXX checking account. Capital One 's mobile app initially indicated the payment was successful. However, on XX/XX/XXXX, I received a notification that the payment was returned due to incorrect account information. 

I immediately resubmitted the payment with the correct information on XX/XX/XXXX, and the funds were successfully transferred to Capital One on XX/XX/XXXX. Despite the full payment being made on time, Capital One assessed a late fee and interest charges. While Capital One did fully refund the late fee on XX/XX/XXXX, they only partially refunded the interest charges, providing a {$50.00} credit out of a total of {$130.00} on XX/XX/XXXX after I contacted customer support. 

Capital One was unable to definitively confirm that the account number was incorrect, as the last four digits matched. Nevertheless, I was penalized for a payment issue that was not entirely my fault. I am requesting a full refund of the interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
Affirm XX/XX/XXXX XXXX XXXX XXXX I can't see the payment because they have my account locked. I have went through the verification process provided my license and did facial recognition. 
How am I suppose to pay for an account the Merchant is telling me it's blocked and restricted bc it's not me. 
It's being reported on my credit report though. I'm so upset about this I've called several times nothing is being resolved. They keep telling me they will call back within 30 days it's been 5 months. My credit report is receiving derogatory remarks and this is not my fault. I pay all of my bills on time.

Company response to consumer: Closed with explanation