vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: DC

Complaint narrative:
A loan was fraudulently obtained in my name. This loan was for a foreign airline in a different country by someone I do not know. I derived no benefit from this loan. The merchant agreed. When I relayed this information to Affirm they refused to take action, conduct a proper investigation, or charge the proper person. Instead, Affirm created a XXXX process where the cynically demanded information that does not exist to exculpate. I am not the person listed on the ticket and do not know any such person. How can one prove this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: NY

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, I am writing to formally request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Equifax data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. 
The fraudulent accounts in question are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX : Amount : {$840.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party.

I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed. If you require further documentation or information to process this request, please contact me immediately at the phone number or email address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am requesting that you immediately removals on these inaccuracies and remove the disputed accounts from my credit report. 
XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX 1. Violation of Section 607 ( b ) : Accuracy of information 2. Violation of Section 623 ( a ) ( 1 ) : Furnishing Inaccurate Information 3. Violation of Section 611 : Failure to Investigate Disputes 4. Violation of Section 605 ( a ) : Reporting Obsolete Information 5. Violation of Section 623 ( a ) ( 3 ) : Failure to Mark Accounts as in Dispute 6. Violation of Section 623 ( a ) ( 7 ) : Failure to Notify of Negative Reporting

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 2024-12-12 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: TN

Complaint narrative:
I am requesting that you immediately removals on these inaccuracies and remove the disputed accounts from my credit report. 
XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 1. Violation of Section 607 ( b ) : Accuracy of information 2. Violation of Section 623 ( a ) ( 1 ) : Furnishing Inaccurate Information 3. Violation of Section 611 : Failure to Investigate Disputes 4. Violation of Section 605 ( a ) : Reporting Obsolete Information 5. Violation of Section 623 ( a ) ( 3 ) : Failure to Mark Accounts as in Dispute 6. Violation of Section 623 ( a ) ( 7 ) : Failure to Notify of Negative Reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 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: SC

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AFTER BEING ADVISED MY INFO HAS BEEN INVOLVED IN A DATA BREACH, I NOTICED MORE ACCOUNTS THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2. 

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL 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 2024-12-12 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: CO

Complaint narrative:
I filed a fraud claim and provided all documentation including my correspondence between me and the website that drained my account. I have never done business with this company but somehow they drained XXXX of my banks accounts. I have resolved with my bank but nfcu is refusing to help me with my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ARVEST BANK GROUP, INC.
State: WA

Complaint narrative:
In XXXX Arvest Mortgage merged with Arvest Bank. My paper statements stopped coming. So I went online and switched to paperless bills. Those emails never arrived. After spending 45-60min on hold several times, I gave up trying to reach them and just looked up the payment amount online and paid that every month. 

Problem is when my payment changed, I don't receive a bill to know. So when I send in my XX/XX/XXXX payment and it's ~ {$70.00} below the new payment amount, they don't apply the payment or tell me it's short. They just put it toward principle and let the account go overdue. Luckily, I pay the next months mortgage mid month so I was never late enough to be fined. 

But that is their goal. To make the account overdue without any notice to the customer so they can accrue fees and hopefully work toward foreclosure. It's why lenders like them have to buy mortgages from other lenders, because nobody would choose to work with companies as incompetent or dishonest as them. 

When I checked my account this XXXX, I found out I've had late payments all year. So I called to find out why. That is when I was informed by their customer service that I was not signed up for paperless statements and the lady on the phone told me she would sign me up. 

But if I wasn't signed up, they were required by law to send me paper statements. When asked why I had not received a paper statement since the merger in XXXX they told me the bills must have been lost in the mail. 

So I am to believe the USPS loses my mortgage statement every month for nearly 2 years but never loses any other mail or even the escrow statements and promotional mail sent by the very same mortgage company? 

Amazing coincidence that the USPS just manages to lose the one piece of mail every month that could help my dishonest mortgage provider increase profits through fines and foreclosures. 

Arvest bank is criminally negligent. They are required by law to send me a mortgage bill every month and they confirmed I have not been signed up for paperless so the absence of paper bills for nearly 2 years is criminal on their part. And their criminal negligence has been harming my credit for an entire year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo has a history on me that goes back to XXXX and I recently tried to open a XXXX XXXX with them. They would not classify the account correctly. They insist on changing my status to a citizen. I am not nor have I ever been a XXXX XXXX. I was born into the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, I have proof of this. My account should not read any other status but the one I state. 

I also gave them a copy of the reservation paperwork for my living being which I have notarized and submitted to the Secretary of State, both forms apostle and authenticated to receive the secretary of Pennsylvania seal and numbers. 

This documentation was not applied to my account and it was closed because of their lack of due diligence. As such I would like an accounting completed nonc pro tunc to verify all payments and funds that are due to the estate be accounted for.

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 2024-12-12 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

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 2024-12-12 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: CBC Companies, Inc.
State: MA

Complaint narrative:
I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where I buried my mother, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: OK

Complaint narrative:
I was involved in an accident that resulted in my vehicle being deemed a total loss. I had Gap insurance through the finance company as well as full coverage insurance through XXXX  insurance. Within 2 days of the accident XXXX  issued a total loss payment to the finance company Bridgecrest. For some reason the finance company entered the insurance check in as a normal payment instead of a principal only insurance payment. I have tried repeatedly over the last XXXX  months to get Bridgecrest to fix the error and they have stated that they don't believe that there was an error. I have every bit of evidence proving otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2024-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Since XXXX, I have had my mortgage payment automatically paid through my bank where they would withdraw the funds on the XXXX of the month. Up until XX/XX/XXXX there had never been any problems with this transaction and my mortgage remained current. 

The mortgage company claims that they attempted to make the withdrawal on the XXXX and XXXX of XXXX but were advised that there were insufficient funds to cover the payment. However, at all times during the month of XXXX, there were sufficient funds to cover the mortgage payment in the bank account. I contacted my bank " XXXX '' by XXXX XXXX, and they confirmed that there had been sufficient funds and also, that no payment requests from Rocket Mortgage had been received by them on those dates. 

On XXXX XXXX, Rocket Mortgage submitted a trade line to the credit reporting agencies indicating that I was delinquent on mortgage payment, resulting in a XXXX point drop in my credit report. 

I contacted Rocket Mortgage about the payment problem, and was told that the problem would be elevated, and someone would get back to me within 2 days. When no one from Rocket Mortgage called me back, I reached out to them again and eventually spoke with a XXXX XXXX XXXX in the XXXX XXXX. I explained to XXXX XXXX that the money had been in the account and that my bank had no record of Rocket Mortgage seeking to withdraw funds on the XXXX or XXXX of XXXX and requested that Rocket Mortgage provide me some indication that the funds were actually requested from my bank on those dates. XXXX XXXX replied that he could not provide that information to me, but that I should seek legal assistance in getting that information from their bank, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
TO JEFFERSON CAPITAL YOU ARE REPORTING A COLLECTION ACCOUNT ON MY CONSUMER REPORT THAT HAS NOT BEEN VERIFIED OR VALIDATED. THIS IS A VIOLATION OF THE FCRA AND THE FDCPA. THIS ALLEGED ACCOUNT IS INACCURATE, UNVERIFIED AND MUST BE DELETED IMMEDIATELY FROM MY CONSUMER REPORT. IF YOU DO NOT REMOVE THIS ACCOUNT IN THE TIMEFRAME OF 7 DAYS, I WILL START THE PROCESS OF SEEKING FOR DAMAGES UNDER THE FCRA AND FDCPA FOR UP TO {$1000.00} PER VIOLATION AND FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY DAMAGES AS WELL AGAINST JEFFERSON CAPITAL BECAUSE THEY ARE THE COMPANY REPORTING THE ACCOUNT ON MY CONSUMER REPORT. YOU ARE BEING HELD LIABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-12 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Company failed to give results of investigation and and placed accounts on hold after receiving ftc identity theft statement.

I am writing to formally demand the immediate removal of the collection account related to the debt referenced in your previous communications, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Despite my previous requests for validation of this debt, you have failed to provide the necessary documentation to substantiate its legitimacy. I have given ample time and opportunity for this collection to be verified, and since this has not been done, I will not accept any hold on this debt any longer being placed on my credit report. 

This debt must be removed from my credit report immediately. If it is not removed within the next 30 days, I will have no choice but to involve my legal counsel, who will seek damages and compensation for the mental anguish caused by this situation, as well as the inability to receive credit services due to your reporting to the credit bureaus. 

Please consider this letter a final notice to rectify this matter. I expect your prompt attention to this issue and a confirmation of the removal of this debt from my credit report.

Company response to consumer: Closed with explanation