vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: NV

Complaint narrative:
I have not been able to login to the Avant Credit Card website for several months. To pay my bill, I have to call and go through an entire verification process. I have asked each time why I can not login and they say there is no issue. However, from all my devices it says to many redirects and website is not available. They do not send me a statement and I have no idea if the charges are correct and what is on my account. this month I was a week late because I have been on vacation and didn't think about calling for the XXXX minute process of paying my bill. I would like to get a statement so I can review, payoff and close this account. I haven't received that either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: IA

Complaint narrative:
I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-28 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: IA

Complaint narrative:
I am writing to bring your attention to the accuracy and completeness of certain information that has been reported about me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-28 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: MI

Complaint narrative:
A hard inquiry by XXXX dated XX/XX/22 appears on consumer reporting agencies reports. No disclosures were given for this hard inquiry.

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 2023-12-28 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: TX

Complaint narrative:
I have been a victim of identity theft since 2017 I have poof that my identity have been compromised it not fair to me that I got to suffer from someone else wrong choices I have no knowledge of the accounts thats reporting to my credit report they have been open with my information fraudulently the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent supporting documents stating that my identity where compromised and the accounts we open without my consent or knowledge using my information Under federal law 15.USC 1681A SECTION 2B STATES THAT I HAVE THE RIGHT TO DELETE ANYTHING OFF MY CUSUMER REPORT THAT HAVE BEEN OPEN USING MY INFORMATION 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 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
XXXX XXXX XXXX  XXXX I got my XX/XX/XXXX statement of total {$300.00} ( with a {$28.00} late fee and {$5.00} interest charge ). first, i setup scheduled payment before due date and i never been late on this card payment since i owned it from XXXX. I paid my balance in full for the XX/XX/XXXX, and from the statement of XXXX  transactions ( i only made a total purchases at XXXX XXXX XXXX of {$130.00} ) ; it seems XXXX XXXX XXXX my {$130.00} twice ( XXXX + XXXX late fee + XXXX interest = {$300.00} ). I called XXXX XXXX, they readily accepted it is their fault and will correct the statement. 

BUT, what if I didn't notice, WHAT ABOUT PEOPLE WHO DON'T NOTICE??? 
They didn't give me a reason for this error. 

Just want to warning other consumers to check your monthly statements, it could get muddy for XXXX XXXX or 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 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm is a form of valid payment on XXXX. On XX/XX/XXXX, I purchased XXXX speakers using Affirm/XXXX  on the XXXX website. My sister also made a purchase on the site but using XXXX. It has now been revealed that the site is a scam site in XXXX using the unapproved licensed XXXX name and images of legitimate XXXX products on a XXXX domain owned site. I submitted a dispute and I've provided Affirm/XXXX  all documents, tracking showing I received nothing from this vendor, and comments from others saying none of them have received their items. 

The merchant is no longer responding to anyones comments and is using a fake address and fake phone number. Affirm has now said while the case is 'in dispute ' I will not be able to make payments and 'in dispute ' will show on XXXX and thus other credit sites by extension impacting my credit because they continue to " investigate '' the scam site instead of immediately resolving it by looking at their own comments and reports from others. The site has since been taken down from XXXX as a scam site after mass reporting you can't even buy from this scam vendor via Affirm/XXXX  anymore. I can no longer link more documents as proof to Affirm due to a XXXX limit. I would like Affirm/XXXX  to escalate and finally resolve this in a timely matter by removing this loan from my Affirm account and making sure to delete this loan from XXXX and other XXXX credit agencies before it can be reported or listed as " in dispute '' to XXXX or other credit agencies. XXXX immediately refunded my sister with their scam protection. I previously used Affirm for large purchases but I will never use them again. 

Affirm does not make it clear how long and difficult the dispute process is even when the vendor is a scam site. They offer NO SCAM protection at all for consumers. And can be listed on any site on XXXX as valid form of payment even if it is a scam. Affirm also has loan terms that are NOT friendly to consumers such as mandatory arbitration clauses with opt-out that requires it be mailed instead of electronically submitted within 30 days of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
Our home in XXXX burnt down in the XX/XX/XXXX XXXX  fire. After the fire we were paying our mortgage as well as rent on a XXXX XXXX on XXXX. To lighten our monthly financial burden, we wanted to pay off our mortgage loan. We contacted Newrez to pay off our loan and received a payoff amount of {$830000.00} with a payoff closing date of XX/XX/XXXXXXXX. My husband and I were directed to send in our funds, which were split between personal funds and insurance claim funds. We received {$410000.00} from insurance funds, of which we signed over the checks and expedited them to Newrez/Shellpoint by XX/XX/XXXX. The remaining amount which was {$410000.00} was paid from our banking account, XXXX XXXXXXXX XXXX. The wire transfer to Newrez/Shellpoint was made on XX/XX/XXXX and received by XX/XX/XXXX. We were also advised to send in a letter of intent to use our claim funds to pay off our loan. This letter was received by Newrez/Shellpoint on XX/XX/XXXX. We completed all required tasks with the correct funds by the XX/XX/XXXXXXXX  payoff closing date. However, our loan has not yet been closed and instead we have been sent several new payment amounts which have increased in amount due to daily interest. We have spent over XXXX  hours on the phone and taken 5 days off work to speak with Newrez and Shellpoint in order to remedy this issue and explain that we made our payoff date and should not be penalized by their incompetency to process our funds to close the loan. While they continue to not close our loan, our amount keeps growing as interest is accumulating. We are also being told that we owe our XXXX mortgage amount. Ive told Newrez/Shellpoint various times that no amount should be owed as we have paid off our loan in its full amount for the XX/XX/XXXX2023 payoff closing. I have continued to call Newrez/Shellpoint and have been transferred to various departments, all placing the blame on other departments. At this point, I am not confident they will fix this issue and close out our loan. After many attempts to close the loan while holding our money for one month, they have still not processed the finances and continue to go back and forth between various departments figuring out what the hold up is. No progress has been made to close the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On or about XX/XX/23, I contacted NFCU re a purchase I made on XX/XX/23 in the amount of {$360.00} through XXXX. Of that {$360.00}, on XX/XX/23 at XXXX, I set up a partial return with the company in question, XXXX XXXX The amount of the return was {$230.00}. XXXX provided me with a return label ( they have a policy for FREE return shipping ) and return ID number : XXXX. The items were sent Via XXXX at XXXX Legacy XXXX, # XXXX, XXXX, Texas XXXX. XXXX continues to deny they received the package, despite the tracking information demonstrates the merchandise was in fact received on XX/XX/23, XXXX at the warehouse in XXXX California XXXX the address provided by XXXX XXXX Further, XXXX continues to decline the dispute even though proof has been provided on more than one occasion. I was able to chat with a live person, XXXX, who stated, {$230.00} was a charge back and therefore, the refund would not be coming from them directly but from XXXX. XXXX denies this, even though that information was provided to them. On XX/XX/23, NFCU requested additional information that included the date, amount, and contents of the original purchase. I was told once they received that, they would be able to resolve the case in my favor. On XX/XX/23, said information was provided. Despite that, they closed my case in favor of the merchant. This is NFCUs continued practice to resolve disputes in favor of the merchant. The evidence I have provided proves XXXX has received the package in question but NFCU refuses to further investigate. If needed, I will provide additional information that, again, has been provided to NFCU, XXXX, and XXXX. This is obscured that this back continues to ignore the facts by lacking due diligence that would prove my case. XXXX has been known to play this game with many consumers. Even XXXX has verified their fraudulent business practices, whereby they will deny XXXX has made deliveries when they have. But NFCU does not care to protect their own customers

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 2023-12-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
First Franklin gave me an installment loan I defaulted on the loan and a judgment was granted to garnish payroll check. It was fulfilled and still showing up on credit as charge off and a ucc1 file against me with a XXXX which was never part of the Installment agreement.

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 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: TN

Complaint narrative:
I contacted AR Resources at XXXX XXXX XXXX to discuss a voicemail that they had left on my cell number. I was asking the rep for information on the debt and the original company stating that I owed the debt. The rep stated that they had mailed certified docs which they did not and were never received by or I would have reached out to dispute the debt sooner. I asked for formal documentation and the rep became angry and combative. He provided an original debt date of XXXX and I informed him that I had not acquired any credit from XXXX in XXXX and that this matter needed further research. The rep began raising his voice and disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been banking with my bank for years, suddenly I was a victim in identity theft and my bank decided to XXXX suddenly close my acount after numerous attempts of fraudulent attempts to deposited money into my account. Direct deposits where linked to said account and now I'm missing XXXX separate checks and have been told it takes XXXX XXXX business days but it's been almost a full month now. I have now accumulated late fees on bills I'm behind on, I have reached my limit to a credit card I have, I have borrowed money from family. It's ridiculous how long I needed to wait and how long they are taking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 an employee at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) added an unknown person to access and remove money from my checking account. {$30000.00} was stolen by an affiliate of this bank employee who used my stored identification at Bank of America to bypass security checks in their own system. I've been contacting Bank of America about this for weeks now, we're now on day XXXX of the fraud investigation ( which I was originally told would likely be resolved within 10 days ) and the case is still being investigated and the money has not yet been returned. 

The email attachments are the notifications I received about an account being opened in my name. When I contacted the bank, they said they had no record of me opening a new account. Their system was reporting a new person being added to my checking account and sent me an email automatically about this, but there was no indication of that action being taken specifically, the bank fraud team was unable to determine this at the time and the thief was able to later steal the money without BofA being aware.

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 monetary relief