vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

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 2022-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm, Has continued to refuse to refund me the money I am owed. On XX/XX/XXXX, I made a XXXX XXXX XXXX using Affirm. The amount the loan was initially taken for was {$5000.00}. The loan was later partially voided for {$1100.00}, leaving a remaining capturable {$3900.00}. 

- XX/XX/XXXX, I paid {$2500.00} ; leaving my balanced {$1200.00}. 
- XX/XX/XXXX, Affirm received a {$2700.00} credit from XXXX XXXX, leaving my balance - {$1400.00} - XX/XX/XXXX, Affirm received a {$190.00} credit from XXXX XXXX, leaving my balance - {$1600.00} - XX/XX/XXXX, XXXX XXXX charged my Affirmed account {$54.00}, leaving my balance - {$1600.00} - AFFIRMED OWES ME A REFUND OF {$1600.00} but refuses to pay me. Every time I call, I get the runaround. Affirm customer service is the worst. 
- Someone from the executive department needs to contact me and fix this! 

All the attachments are my evidence that Affirm owes me {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a Capital One credit card in the last 6 months. So Capital One Inquiry on XX/XX/2022 is not resulting from my personal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: OH

Complaint narrative:
On XX/XX/2017 i had a bill go to collections due to not being able to pay it with XXXX XXXX XXXX  XXXX Oh XXXX XXXX XXXX XXXX Oh. A year later i paid the bill and had a balance i did not know of since no one ever contacted me about it. I called XXXX XXXX to see if it was paid and they said i owed a balance of {$45.00}. So i paid it then and was told that it would be updated in XXXX account or removed from my credit report. The item was removed from XXXX XXXX and XXXX but not XXXX for some reason. For the last year and more i have called XXXX XXXX and Merchants Credit XXXX the reporting Company to have this updated or removed and each time they told me that i still owed it. I informed then that i have proof that i paid it from my checking account and i will send them a copy of it to show it was paid two years ago. 
My girl friend even said its only {$70.00} and she would pay it. She paid it with her account and according to her bank the money was put back into her account. Yet they told her that it bounced which was not the case. 
I then contacted XXXX XXXX who is a Attorney used by XXXX XXXX and myself to look into it. He sent them the copies of my checking tp show it was paid and they said it is not. and to this day it is still showing that i owe {$70.00} to XXXX XXXX when they themselves said i have a zero balance with them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE IN VIOLATION WITH 15 U.S. CODE 1681b, 1693 ( a ) 2, 1681 ( b ) ( a ) 2. PRIVATE PERSONAL SECURIITY ACCOUNT INFORMATION IS BEING/HAS BEEN SOLD/TRADED WITHOUT AUTHORIZATION AND REPORTED FOR PROFIT AS PER INQUIRY TRESPASSING AGAINST THE ESTATE CAUSING COMMERCIAL INJURY UNCONSTITIONALLY ENCUMBERING INTERSTATECOMMERCE THROUGH ORGANIZED CRIMINAL ACTIVITY FOR PROFIT. 
THIS HAS BEEN SINCE XXXX, THE INQUIRIES AND INACCURATE ACCOUNTS UNCONSTITUTIONAL VIOLATION HINDERING THE ABILITY TO EXECUTE REMEDY PROVISIONS SET FORTH THEEIN 18 U.S. CODE 245 FEDERALLY PROTECTED ACTIVITIES AS PER CREDIT APPROVAVABILTY DUE TO THE INVALID ACCOUNTS AND DAMAING INQUIRIES THAT SERVE NO PURPOSE OTHER THA DAMAGE CREDIBILITY. 
SECURITIES COMMODITIES EXCHANGE CIVIL AND CRIMINAL R.I.C.O. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. I DECLARE THAT THE SOCIAL SECURITY CARD IS A CREDIT CARD AS IN ACCORD AND SATIFACTION WITH 12 CFR 160.3. THE BUREAU HAS SENT ACCOUNT BEEN VERIFIED, BUT WILL NOT PROVIDE PROOF OF WET INK SIGNATURE 15 US CODE 7001

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 2022-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$2000.00} that needs to be removed. My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. 

XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$280.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Coastal Settlement Recovery Inc.
State: CA

Complaint narrative:
This company keeps calling me about a personal debt on a work cell phone that doesnt belong to me. I have no idea what the debt is as I constantly ask them to contact me in writing before we get into the debt. Today after receiving another call from these people, and trying to explain yet again, the rep XXXX became abusive and belligerent at the end of the call. This needs to stop. Harassing people this way is unacceptable.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rausch Sturm LLP
State: CA

Complaint narrative:
I am a person who has been a victim of a compromised identity in which several accounts were fraudulently established one of them being a XXXX  card services account and which I am disputing from the CRAs all of which have been removed except for one with one reporting agency. I have been communicating with XXXX  and as of yet they have not remove this from my credit profile even subsequent to me faxing over the FTC report and a police report. Over the last two months I have also be getting a bill for the same amount owing to XXXX  from this so-called attorneys company which I believe is a collection company that XXXX  sold the debt from that fraudulent account in my name to this collection company who is now harassing me with the mail as well as 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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
On Friday, XX/XX/2022, I received two unauthorized charges in the amounts of {$1200.00} from a merchant XXXX and {$230.00} from a merchant XXXX respectively to my debit card associated with my account through Chime Bank. Upon reporting the fraudulent charges to Chime Bank on Saturday, XX/XX/2022, I was informed that my claim would be reviewed by their fraud claims team and if they didnt conclude their investigation with 10 business day, they would extend provisional credit in the amount of the fraudulent charges as required under Reg E, however, they denied my claim on XX/XX/2022 citing that no error occurred and have refused to reopen my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This should not be on my credit report, this is inaccurate information on my credit report. I would like these accounts removed as soon as possible as it is damaging my credit report. The law clearly states it under 15 U.S.C 1681G Law violation. 


Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3700.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type FHA Mortgage Balance on XX/XX/XXXX Loan Amount - {$180000.00}

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please be advised, Im been a victim of identity theft. The following accounts are all fraudulent. Please see attached Ftc report & my identification. 

XXXX. XXXX XXXX {$4000.00} XXXX. XXXX XXXX  {$7700.00} XXXX. XXXX XXXX {$790.00} XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX {$510.00} Please see attached clear FTC Report, submitted by myself with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please be advised, Im been a victim of identity theft. The following accounts are all fraudulent. Please see attached Ftc report & my identification. 

XXXX. XXXX XXXX {$4000.00} XXXX. XXXX Now {$7700.00} XXXX. XXXX XXXX {$790.00} XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX {$510.00} Please see attached clear FTC Report, submitted by myself with no help.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On the date of XX/XX/2022 I sent a letter regarding misleading inaccurate and unknown things on my credit report to this day well over soon to be 45 days later I have not received a response yet. I feel like Im being taken advantage of, over looked and being ignored of my dispute. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to remove those items from my credit report immediately it has been over lawful time soon to be 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a XXXX XXXX credit card in the last 6 months. So XXXX XXXX Inquiry on JXXXX XXXX XXXX is not resulting from my personal action.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a XXXX XXXX credit card in the last 6 months. So XXXX XXXX Inquiry on XX/XX/2022 is not resulting from my personal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CIG FINANCIAL LLC
State: AL

Complaint narrative:
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
BANK OF AMERICA did a garnishment on a notice of intent to levy and not an actual court ordered levy and when asked to produce the documents or file that authorized them to garnish account they would not. I need those documents that they used to garnish to file civil liability, damages and actual damages against this illegal activity.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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