vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
For months I was receiving invoices from a company named Affirm. I did not know what it was. Last week I found that the so called account was now on my XXXX credit report. I put in a disclaimer with XXXX but they did nothing about it. They said Affirm said it was mine. 

I have also called the fraud department at Affirm but have not heard anything back yet. 

Account Info Account Name AFFIRM INC Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX  Status Open. {$460.00} past due as of XX/XX/2023. 
Status Updated XX/XX/2023 Balance {$1800.00} Balance Updated XX/XX/2023 Recent Payment - Monthly Payment {$150.00} Original Balance {$1700.00} Highest Balance - Terms 12 Months Before this goes into collection I need this account to be closed. It is NOT my account. Obviously someone has stolen my Identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT XXXX provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXXXXXX  In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-05 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I was doing a routine check on my credit score and came across credit inquiries that were not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I made a payment on various occasions during month of XXXX. I was under the impression that after I made the first payment for the month of XXXX Id be able to apply the subsequent payment for XXXX. However this payment wasn't applied by Amex and I got an exaggerated late fee for XXXX. I never have issues with them and they always respond quickly and take off my late fee. I spoke to an agent in XXXX through the chat and this time they said I had a history and wouldn't wave the predatory fee. I asked to speak to a supervisor and they refused until I repeated myself 3 times. In adition they also charge the annual fee upfront instead of breaking it down into comprehensive monthly payments. I get charged {$100.00} dollars aka 10 % of my XXXX credit limit a year. This is in addition to the 26 % Then someone comes on the chat and states they are supervisor but I have no proof of this. They said in aq patronizing tone that " I shouldnt have a credit card if i dont understand fees. And the agent reitarated that They wont remove it even if the XXXX president tells them to. This is a predatory charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquiries due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business 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 non-monetary relief
Consumer complaint received 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm trying to start back school and trying to get into buying a house but there are damages on my report. These negatives things shouldn't be on my report according to the 15 U.S.C 1681 law there shouldn't be any damages on my credit report. These reports are a defamation of character of my free will.

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 2023-10-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm trying to start back school and trying to get into buying a house but there are damages on my report. These negatives things shouldn't be on my report according to the 15 U.S.C 1681 law there shouldn't be any damages on my credit report. These reports are a defamation of character of my free will.

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 2023-10-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Somebody got a first access credit card in my name without my consent it is fraud

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 2023-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Inquiries were made without my consent

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 2023-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Knowing student loan payments were set to resume, I diligently logged on to my new student loan servicer 's website, Aidvantage, weeks before my first payment was due. Initially I had decided to set up autopay on my loans for the minimum payment, which I set up. However, I had later decided to overpay on my student loans, and went back on to the servicer website to set up my autopay accordingly. Instead of my normal minimum payment of approximately {$1500.00} per month ( the minimum on my selected plan ), I elected to pay a total of {$4000.00} per month, overpaying approximately {$2500.00} on the loan that carries the highest interest rate. I set up an autopay for each loan, ensuring I paid the minimum on each but also overpaying on that highest-interest-rate loan. 

After setting this up, Aidvantage actually canceled my autopay without my authorization. After that, I went back in and set it up again to ensure it was correct. But that initial autopay calculation is not the worst of it -- after I set it up again, starting in XXXX, Aidvantage took out the {$1500.00} minimum payment, and on the next day, took out the full {$4000.00}. This caused me to pay a total of approximately {$5500.00}, rather than {$4000.00}. Aidvantage not only did not handle my autopay set up correctly, but without authorization took an additional {$1500.00} from me without authorization. The only autopay I had set up on my account was for {$4000.00} total. 

The setup process for this servicer is fundamentally flawed. I will now have to submit these overpayments manually each month, as I don't trust they will take the correct amount each month as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
Ive had multiple problems with Cash App regarding holds.they requested that I submit something from the hotel showing that I have XXXX balance in in order to remove a pending charge of {$120.00}. This should never have been on there anyway. I provided an updated receipt from the hotel showing XXXX balance and cash app still will not release my phones. They have done this in the past and its unacceptable and when you try to discuss it on chat they disconnect you times are tough for everyone right now. Thats a lot of money for me and theres absolutely no reason for that money to be held from me especially when I produced the documentation they requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.

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 2023-10-05 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: FL

Complaint narrative:
Despite my efforts in sending multiple letters, the reporting companies have all refused to remove the unauthorized inquiries that were reported on your credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am Personal Rep for my daughter 's estate, obtained Homeowner 's Insurance for her property from XXXX XXXX XXXX  that was within the required parameters of coverage, effective after her policy expired ; policy effective XX/XX/23. Telephone contact with XXXX XXXX XXXX  revealed that Nation Star Mortgage dba Mr. Cooper bought the policy without notice or my permission and did not reflect initial payment of {$1600.00}, which is affecting escrow account, and they are wanting additional payment. I received no notification or correspondence from Mr. Cooper; found the insurance status by searching their website myself.

Attorney and I both unable to contact Mr. Cooper successfully ; put on hold and then left without any further contact from " customer service. '' property mortgage address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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:
I have hard inquiries on my credit profile that need to be deleted/ removed from my credit report asap. All inquiries will be in my ftc report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: Cascade CISS Holdings, LLC
State: IL

Complaint narrative:
The below inquires are on my credit report. Im not familiar with these companies and I didnt give them permission to run my credit. 
XXXX Inquiry : XXXX. XXXX, XXXX  + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX + Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: Cascade CISS Holdings, LLC
State: IL

Complaint narrative:
The below inquires are on my credit report. Im not familiar with these companies and I didnt give them permission to run my credit. 
XXXX XXXX : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + Miscellaneous Reptg. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
I have been called 6 days a week 5 or more times a day from this company. I told them this is illegal. They told me they are allowed to call me 5x a day and have me setup in the system that way. The manager told me their lawyers are aware of their practices. I need this to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05 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: IL

Complaint narrative:
TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX has been listing fake accounts and inquiries on my credit report that I have never authorized. They have been listing fake credit scores ( XXXX and XXXX ) on my credit report that has caused extreme harm to my financial reputation and has caused me to lose job opportunities with some of the greatest companies in the world. The fake information that has been reported to TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX by these creditors is listed below : XXXX  - Account number XXXX, XXXX XXXX - Account number XXXX, XXXX XXXX - Account number XXXX, XXXX XXXX XXXX Inquiry date XX/XX/2023 I have requested contractual agreements from these so called creditors that bear my name saying I agreed to any terms and they have not produced and/or sent me any documentation, so how has TransUnion, TransUnion LLC, TransUnion XXXX XXXX XXXX and TransUnion XXXX XXXX been able to verify and validate that this fake information listed on my credit report is 100 % true and authentic?

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 2023-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 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 2023-10-05 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Recently I disputed transactions from XXXX XXXX that were prematurely closed. 

The disputes centered around XXXX separate food delivery purchases [ totaling {$140.00} each ] that were spoiled. XXXX has a satisfaction guarantee that doesnt seem to be honored in these instances. 

Per email correspondence from NFCU, I was to provide BY XX/XX/2023 the following : ( 1 ) Correspondence with the merchant regarding cancellation.

( 2 ) Proof of return for canceled or returned merchandise.

( 3 ) Terms and conditions surrounding your purchase.

( 4 ) Invoice for merchandise ordered.

( 5 ) Pictures. Details of purchases and how not as described for each meal.

Foremost, Id point out that closing these claims before XXXX XXXX XXXX XXXX XXXX doesnt honor their communication, as BY means on or before the stated date ( XX/XX/XXXX ). It also is indicative of NFCUs proclivity of : ( 1 ) generalizing these disputes ( analogously trying to fit square pegs into a circle ) rather that considering them individually and holistically ; ( 2 ) deterring consumers by requesting so much information ( of which much may not be needed or necessary ) ( 3 ) hastily denying disputes without thoroughly investigating matters; and ( 4 ) failing to apply logic.

Second, Id like to point out that some of the requested supportive documentation is unreasonable, given the type of purchase made. Also in the XXXX disputes submitted, I detailed that delivery orders are processed at the corporate level, and that I had no contact information for their corporate office. I affirmed that my communication took place in-store. The aforementioned and the length of time between the purchase and dispute submissions also should accounts for why I dont have pictures to submit. 

Additionally I also submitted a dispute for a XXXX membership that Ive been charged for that remains unresolved. 

I believe that NFCU uses an automatic system that fails to apply logic, reasonable deduction or complete thorough investigations for its secured card holders, despite its advertisements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: MOHELA
State: CT

Complaint narrative:
The issue i am having is my loan was for XXXX for my daughters loan and now after Mr Biden started my payments back up the loan is now XXXX becuase of me going throw a divorce and navient said I could do forbearance and not get I trouble i have been paying minimum payment for q3 years now well here I am in trouble please help me XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation