vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting practices of AFFIRM to the credit bureaus. Despite fulfilling all obligations and paying off my account with AFFIRM as agreed, the company continues to report erroneous information to the credit bureaus, negatively impacting my credit report. 

I successfully paid off my account with AFFIRM in full, meeting all terms and conditions outlined in our agreement. However, despite this, AFFIRM has persistently reported inaccurate information to the credit bureaus, which has adversely affected my credit score and financial reputation. 

I have attempted to resolve this matter directly with AFFIRM by providing evidence of payment and requesting correction of the erroneous reporting. Regrettably, my efforts have been unsuccessful, and the inaccurate reporting persists. 

This situation has caused me undue stress and frustration, as it unfairly tarnishes my creditworthiness despite my adherence to contractual obligations. I respectfully request the intervention of the CFPB to investigate this matter and ensure that AFFIRM rectifies the inaccurate reporting promptly. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to address this issue and safeguard consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

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 2024-03-18 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: GA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-03-18 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: IL

Complaint narrative:
Hello, My name is XXXX XXXX I'm reaching out to express my frustration regarding the lack of response after reporting my identity theft for the third time. Despite my efforts, neither the credit bureau nor the involved companies have addressed my disputes. This situation makes me feel like my consumer rights are being disregarded. As the victim, I'm unable to obtain the necessary assistance or response from the credit reporting oversight companies. If prompt action isn't taken, I'll have no choice but to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX sent a report of a delinquent account balance XX/XX/23. The Balance was {$32.00}. 

Ive attempted to open my personal bank account and have been unable to due to a soft check being pulled this delinquent balance/status still showing. This has been ongoing for the past 4-5 months. Ive contacted ChexStystems and reached out in order to have this closed out resolved status balance removed from my record in order for me to open my new personal bank account. ChexSystems failed to do so and instead sent me a history of my report saying is shows updated on their end and their hands are tied. A resolved paid balance should not prevent me from opening a bank account in the future/present. Not to mention several other reports on my report that i dont recognize/have never authorized.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
XXXX my experience theft and reported it upon notice immediately I'm in there have been delinquent payment reportings due to the unaware of the theft. I sent the police report and any other supportive information to Avant credit card company, and they did find the fraud in my favor but refuse to remove the delinquencies associated with those fraudulent charges. I had to approach a situation and more than one occasion to remove late fees etc. But still to this day I can't get them to remove the delinquencies

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My mortgage was sold to Freedom Mortgage in XX/XX/XXXX. In XXXX of XXXX Freedom Mortgage increased my monthly payment by approx. {$1000.00}. When I called I was informed it was due to the estimated escrow amount for taxes. I asked to make my normal payment ( {$1800.00} ) until the correct amount of taxes could be resolved which they accepted. They did not tell me at the time the amount would not be applied to my account. I called again in XXXX and was told they would take XXXX, XXXX and XXXX 's payments back to the end of my loan so they could resolve the tax issue. In XXXX they sent me paperwork for that to happen however, the document required us to agree to the inflated monthly amount. We could not agree to paying an extra {$1000.00} a month. The escrow department told me they were contacting our local property and school tax departments to resolve the issue. This never happened so I had to send them the tax bills myself. Early in XXXX the escrow department entered the new tax amount which reduced my monthly payment to {$1800.00}. However, they have refused to allow me to make the payments for XXXX, XXXX and XX/XX/XXXX because they are still showing the payments due for XX/XX/XXXX through XX/XX/XXXX at the incorrect amount. They are requireing me to make the full incorrect amount they say is due before they will bring my account current. The amount is almost double the actual {$5500.00} that is due. I have called them weekly to try to resolve this issue that is their mistake and have been unable to do so. I was told again today that I have to pay the incorrect amount and they would send me a refund check. The refund amount they have calculated ( {$2100.00} ) is still in excess of the actual amount due. We don't have the amount they are asking for. As senior citizens we budget carefully and only have the amount I have been saving each month that should have been the correct payment. All we am asking is to pay what I actually owe. Freedom Mortgage is using deceptive practices and taking advantage. This was their error and expecting us to pay for their mistake. This has reduced my credit rating from the high XXXX 's to 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 2024-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
on XXXX, I received a call from XXXX XXXX XXXX XXXX and they provided false information regarding a supposed loan that I took out with CashNet USA on XXXX. XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX xt XXXX advised I owed {$600.00} for a payday loan - loan # XXXX. She advised a civil action will be filed unless i take out an agreement to pay the amount. 

on XXXX, I called CashNet usa at XXXX and spoke with XXXX. She advised I do not have any loans outstanding and my last loan was paid in full in XXXX I do not owe anything to CashNet USA. 

XXXX sent me an agreement to sign. when i opened the document, it states merchant is XXXX XXXX her email also does not have an email address tied to XXXX XXXX XXXX XXXX, hence i am thinking this is not legitimate and fruad and i wanted to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I filed a dispute regarding an erroneous charge on my card stemming from a reservation for a private dinner. Initially, I paid a deposit, with the remainder to be charged on the day of the dinner. Upon receiving the final receipt on the dinner night, I noticed an incorrect amount had been charged to my card. 

I promptly submitted evidence to my bank outlining the discrepancy. However, I was met with a letter denying my dispute, citing insufficient evidence. I contacted the bank for clarification, only to be informed that they weren't directly handling the review process. Despite my efforts to provide more detailed information, subsequent attempts were similarly rebuffed with generic denial letters. 

Frustrated by the lack of clarity, I persisted in contacting Capital One, seeking guidance on the necessary documentation. Each time, representatives were unable to specify exact requirements, offering only vague advice to " provide more information. '' Despite my continued efforts to furnish additional evidence, the responses remained unchanged. 

Faced with a deadlock, I escalated the matter by mentioning potential involvement of the Consumer Financial Protection Bureau. Finally, my bank reached out to discuss the dispute. However, their proposed resolution was minuscule, merely adjusting the amount by {$2.00}, which seemed inconsequential given the larger issue at hand. 

Subsequently, the bank initiated communication with the merchant, who provided inaccurate information that led to the denial of my dispute. Despite my attempts to address this with Capital One and provide further documentation as instructed, I found myself in a frustrating loop of unhelpful responses. 

When I inquired about the status of the dispute, I was informed that no further investigation would be conducted once the merchant provided their input, even though the provided information was inaccurate and unfair. This lack of recourse feels unjust and leaves me in a frustrating predicament.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: PA

Complaint narrative:
I submitted a claim for money that XXXX was taking out of my account each month for a XXXX membership fee for a XXXX account that I didnt sign up for or create or want. I do have a XXXX account that I created however this is a duplicate account that has been created without my knowledge and without my authorization and has charged me {$15.00} every month for two years as well as for other subscriptions for things I didnt authorize or purchase. XXXX told me to file a claim with my bank and so I did and my bank has denied 5 disputes on this matter without ever contacting XXXX! Ive sent transcripts of my phone calls with XXXX, emails with XXXX, a personal statement all explaining exactly what is happening and my bank just denies it and buys themselves XXXX more days and doesnt even contact XXXX to try and get the money back. They are rude on the phone, hung up on me 3 times today and want me to do all kinds of things to send more documents and more proof when I have already sent them all the proof they need but no one does their job! Im tired of waiting for my money back and they are a bank they could give it back to me and then go after the merchant and I am sure then they will actually do their job and contact XXXX. I call for updates and to tell them to contact XXXX that they are waiting for them to contact them and they will repay the money, but they dont do anything, they dont tell me what information they need from me nor do they allow me to speak to anyone that is currently working on my case. I am fed up with waiting and having no recourse and being at their mercy and never being advised on what they are doing during this process which has taken far too long!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit reports. I recently received an unsigned lease from the debt collector regarding XXXX at XXXX XXXX. They are stating that I agreed to pay thousands of dollars in fees should I terminate it. 

I requested a SIGNED document stating that I agreed to the broken lease terms and I received a document reflecting initials and no signatures by either party. In my understanding a valid lease agreement requires a signature from both parties to be considered a binding contract. 

I am requesting your assistance in investigating this matter. I believe this information on my credit reports is inaccurate and is damaging my credit score and my ability to obtain another rental. 

I have attached a copy of the notice I received from the debt collector, Pro Collect. 

I would appreciate it if you could investigate the issue and contact the debt collector Pro Collect XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX If they can not provide a fully signed lease/document than I request that this information be deleted from my credit report entirely. From all three major credit bureaus, XXXX, XXXX, XXXX and XXXX XXXX if it is so reporting. 

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX 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 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: ME

Complaint narrative:
I received a collection notice from Carter Young collection agency in XXXX Ga about a student housing from XXXX XXXX XXXX. I have told them on a previous occasion that I did not guarantee any student living or any other accommodations This is not my bill. they need to go back to the original student They are perpetrating a fraud using my name. I have told them on the phone that this is not my debt but they still send me a notice.I have never heard of this student living facility

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
There is no unsubscribe option which is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 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: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief