vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX I ordered an automatic trashcan from XXXX, I paid through Affirm the order number XXXX. Estimated delivery is XX/XX/XXXX, hi XXXX have not received my package. I contacted XXXX and they did absolutely nothing. They disregarded my concern, and I got an email saying it was delivered, but it wasnt. A customer agent told me that I would be getting a refund and that a confirmation email would be sent to my email and I received nothing. Reached out, XXXX more time, and I was told that its delivered and theres nothing that they can do and the chat in my face, after I was told that I was getting a refund. I was given the runaround on why I couldnt get a refund. It felt unfair. This is taking a XXXX XXXX XXXX  and all all I wanted was a refund for a package. I did not receive XXXX did not care to solve my problem. XXXX hoping you can help me to get my refund please. Already contacted support more than once, and was given the runaround. XXXX extremely disappointed and I want my money back. I would never use XXXX again. Ive been waiting since XX/XX/XXXX for this to get situated and nothing is being done. I just want a refund. XXXX you failed me and Im looking for for support and support for my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLOBAL SOLUTION BIZ LLC.
State: KY

Complaint narrative:
went to a vet near old residence after moving 1.5 hours away from XXXX. Our last medical interaction did not result in full payment for whatever reason. We were clients for 10+ years there and they new we moved and did not update our address in their system. Flash forward to XX/XX/year>, start getting weird phone calls asking to speak to me about, " a personal business matter '' but would not tell me what it was in regards to. I eventually blocked the number. 
Flash forward to XX/XX/year>, I receive a letter from " XXXX '' stating I owed XXXX dollars to the XXXX XXXX and I had no idea we owed money. I tried to settle with the animal hospital once I found out about the reason, asked for a reduced fee for the mixup. They told me to deal with XXXX I clicked on thier website, created a password and paid it. 
Now a new company is calling me, GlobalSolutions Biz and asking for the same bill to be paid AGAIN. They keep saying one time it is settled, another it is not, the vet hospital will not work to zero out the balance. 
I disputed my charge initially with XXXXXXXX XXXX after researching this recurence of the issue, because I thought I had been scammed. The company, XXXX does not exist any longer ( and the vet did not know this at the time I contacted them after this last encounter w the new collection company ). 
The bank determined the charge is ok, as they did not return the money to my account after they investigated it. I do not have a receipt of payment outside of the evidence from my bank for the charge, but the company listed who received the money does not even match XXXX XXXX. 
No one from the new place calls with updates and every time I call it is a different story. Today they told me the fees are going up to XXXX dollars from XXXX. He said they have contacted my siblings and dad. This is harassment and I have spent hours of my time on something that is not even a problem. 
Additionally, I am getting emails about debt resolution, so I believe my information has been shared. 

I have the paperwork from XXXX and a screenshot from the bank and paperwork about the disputed charge upon request.

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 2024-04-02 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
I contacted Freedom Debt Relief about some credit card debt and established a $ 500 month ( {$250.00} deducted on XXXX and XXXX of each month ). After paying this amount for almost 60 months, I contacted them in XX/XX/year> to ask for payoff. I was given the amount of {$440.00} to pay account in full, which I paid over the phone. ( By the way - accurate Payoff information isn't available on their portal ). For the next 30 days there was no money deducted out of my account, so I assumed the matter was in full. Today, {$250.00} was deducted from my account. After calling the customer service number and speaking to three different people, I was given XXXX different answers along with 3 different balances as to what I still owed. According to your website, it appears that this has been an issue with them in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have XXXX inquiries on my TransUnion Credit Report from XXXX and XXXX XXXX XXXX XXXX I did not authorize or consent to running my credit report. 

I have XXXX inquiries on my XXXX Credit Report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX not XXXX or consent to running 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 2024-04-02 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: KY

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2024-04-02 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: Self Financial Inc.
State: MI

Complaint narrative:
I opened a self visa for utilization purposes while we were preparing to purchase a home. I never used the card, it was strictly to help balance utilization for student loans. I recieved a notification my credit card was over the limit, so i quickly checked and saw numerous charges on the account that i did not make. The card had been lost, and i reported it to XXXX who gave me a dispute number to call. I caled the dispute number and told them my card had been lost and there were multiple unauthorized transactions amounting to {$700.00} I was notified that the charges would be credited and I would hear back in a few weeks. A few days later I noticed all the charges were reversed once again and when I called self I was told that there was no error. How is there no error when the card was never used and lost in a move? The charges occured XXXX miles away from my home! Self needs to reverse the charges, correct the credit reporting, and make me whole. The customer service was self was also a nightmare. This has caused my mortgage lender to cease our lending process! Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: NM

Complaint narrative:
Since XX/XX/2024 Westlake and Westlake Portforlio has called me every day and sometimes several a day except Sunday 's. I have all the call logs saved. I answered a few times to ask them to stop calling me. They will call me at exactly XXXX every morning and it's becoming a problem. Waking not only me up, but waking my baby up as well. Then calling 2-3 times a day. I'm constantly having to block new numbers they're calling from. They also send so many emails! I feel like I'm going crazy! In just the last 7 days they've called me 15 times!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: SC

Complaint narrative:
I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus have not done what Ive asked. I will be providing an identity theft report below and Im requesting them to be removed because their are inaccurate and not mines.

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 2024-04-02 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:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Student Loan Solutions, LLC
State: FL

Complaint narrative:
This student loan was signed for in XXXX originally with Bank XXXX XXXX. To my understanding, the funds were sent directly to the university. Bank XXXX XXXX never sent me statements or attempted to contact me for any delinquencies. Around XX/XX/XXXX I received notification from student loan solutions LLC that they were suing me for not paying the debt, I asked them for proof of the disbursements where the checks were sent and who endorsed the checks. I also asked for a payment history since I assumed that money was already sent to the university and combined into my other student loans which I have paid on time. There has been no action on their part for XXXX years, which I told them that I believe this violates the statute of limitations in the state of Florida, I retained a lawyer, but they are continuing to drag this on, and not provide any proof of the last action or even payment on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: DE

Complaint narrative:
I filed a dispute with all three credit bureaus for this payday loan account and has since been sold to a collection agency. The collection agency has posted twice on my credit report. XXXX, XXXX and XXXX are reporting inconsistently. These credit agencies are not complying with their own policies. It is my legal right to dispute reported incomplete and/or inaccurate content.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I received a letter from an attorney stating that they found in public records that I am named as a defendant in a lawsuit by Portfolio recovery associate and they filed this on XX/XX/2024 for an unpaid debt. They went on to say that they can garnish my wages from my bank account, file a lien against my home or any other real estate I may own. I have not been supplied by Portfolio recovery who they have bought the debt from or an itemized account on what is owed, etc. I have looked on my credit report and even on my credit report it does not tell me about the original debt. I was contacting customer service from XXXX because of a bill I had to pay on XXXX and when I called the customer service number portfolio recovery answers the phone. When I asked them how I got transferred to them when I did not call them, the woman quickly put me on hold. I also would like to say, that I suspect portfolio recovery has hacked my phone or certain accounts on my phone. The XXXX step verification on my paypal has a XXXX number to send the code to and I have never had a XXXX number and my correct number is not on my account. Portfolio recovery also calls me at least XXXX times a day, if not more every single day every week. I am obtaining an attorney today to sue Portfolio recovery for their tactics and the fraud and harassment that they are commiting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: Global Lending Services LLC
State: CT

Complaint narrative:
Hello, unauthorized credit check was done on my credit report on XX/XX/2024 from Global LendingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX If you believe that was done by error please removed this from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 2024-04-02 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:
Im giving XXXX and XXXX XXXX days before I file a claim of unfair and deceptive practices Against equifax for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation XXXX and XXXX will remove accounts removed non public accounts in XXXX days of receipt of this notice If XXXX and XXXX does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on XXXX and XXXX taking you to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: CA

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation