vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XX/XX/year> To Whom It May Concern : I sent a request for an investigation under FRA 611 ( a ) to you in reference to the following account ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS MY XXXX NOTICE REGARDING THESE FRAUDULENT ACCOUNTS You all have failed to reinvestigate these fraudulent accounts as you or required too I am hurt and confused to see I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
I signed up for this credit card with universal rewards and FNBO bank on XX/XX/XXXX ( see email attached for application ). The promotion clearly included a {$300.00} credit after spending {$1000.00}. ( See attached photo of promotion ) After I spent the {$1000.00} they gave me a credit of only {$100.00}. I called and complained that I am missing {$200.00}. They responded that the promotion was only {$100.00}. I told them that this was clearly a {$300.00} promotion when I signed up and they should please look into this. They told me on XX/XX/XXXX they would make an investigation internally that I would hear back from them within 2 days. It is 1 month later I still have not heard back from them.

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
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I use to have a student loan with XXXX XXXX XXXX. XXXX XXXX XXXX transferred the servicing of the loan to XXXX XXXX XXXX ( XXXX ) and the loan has since been paid off after the transfer was done to XXXX. Experian is still reflecting that the loan is open with XXXX XXXX XXXX with an outstanding balance of roughly {$17000.00}. Spoke to XXXX a supervisor at Experian who established case reference number XXXX. XXXX asked me to upload the supporting document from XXXX XXXX showing the transfer to XXXX and a XXXX balance which I completed on XX/XX/year>. I have disputed this item several times and even had a conference call with XXXX from Experian and a representative from XXXX XXXX about the issue, where XXXX XXXX shared documentation for my credit profile to be updated. On XX/XX/XXXX I received an update from Experian that they are refusing to make the correction even with the supporting documentation that they requested and received. I don't know what else to do. Please 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 explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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: NY

Complaint narrative:
Purchased new XXXX phone with affirm on XX/XX/year> Agreed to total number of payments 24 Totaling {$970.00} First payement Starting XX/XX/XXXX {$40.00} Made a first payment of {$500.00} right before new years to knock the monthly payment down to around XXXX with 23 installments left. I come to find they slashed our contractual agreement in half to now 12 mo they at the same XXXX. When even the agree say totla mumbe of payments is 24 months. No where did they have a disclaimer that they can change the number or payments at anytime not did they give me the option to stay at 23 mo ths left or have 12 months instead. It is a complete breach of co tract with the consumer base and what they are portraying to the consumer with 24 months at XXXX percent interest by randomly choosing without the consumers consent to make my payment now all due within 1 year instead of the 24 months of payments I testified and agreed to pay based on the inception of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to inform you that I am a victim of a data breach, and several accounts and inquiries on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you immediately block and delete the following accounts and inquiries from my credit file.

These entries were added without my authorization, and I am taking action to protect my credit. 
Accounts to Be Blocked and Deleted : XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$200.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$130.00} Fraudulent Inquiries : XXXX. XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
I purchased my 1st home thru XXXX XXXX with interest rate of 5.3 % on XX/XX/XXXX and they sold my loan to this company called " Carrington Mortgage '' in XX/XX/XXXX. My original loan payment was {$2400.00} a month. When Carrington took over may they started Charging me {$2600.00} a month also they did an escrow analysis and requested over {$600.00} the XXXX month they had the loan. When asked about the increase in Mortgage they stated it was due to the property value of the home and property insurance. I told them that should only affect escrow not my fixed interest rate. I requested an audit, and a young lady name XXXX stated, " we do not do audits ''. I called the Assessor office my State to get information on property taxes and she explained that they are due XXXX 's a year and the property value of the home has increased but the Mortgage should not have increased. 
She also stated she's never heard of " Carrington Mortgage ' and suggested I file a complaint. I've made 3 escrow payments since XX/XX/XXXX along with increased Mortgage payments since XXXX. 

Please Help me as I am a first time home buyer and I feel I am being taken advantage of and I read other complaints on the XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America is engaging in a deceptive practice of automatically deleting the autopay information set up by customers for their credit cards, after some period of inactivity, without informing their customers of this change. This results in customers unknowingly missing their payments, being charged interest and late fees, and in many cases, receiving an adverse remark on their credit report. Furthermore, Bank of America was sued in a class action lawsuit on XX/XX/XXXX for this practice [ 1 ] [ 2 ] and several customers have shared a similar experience being negatively affected in online forums [ 3 ] [ 4 ] [ 5 ]. 

I have an open XXXX XXXX credit card with Bank of America, for which I have set up autopay, which was successfully used to pay the statement balance in XX/XX/XXXX. The credit card was not used again until XX/XX/XXXX for charges totaling {$23.00}. The balance due to these charges was, unknown to me, not paid, as Bank of America did not inform me that my autopay had been canceled. Furthermore Bank of America did not notify me that my balance was overdue at any point in time. 

I called Bank of America 's support line on XX/XX/XXXX after learning that my credit score had dropped as reported by XXXX due to a missed payment on the aforementioned Bank of America card. The support agent initially told me that Bank of America could cancel autopay after a period of activity, but later contradicted herself telling me that Bank of America is not authorized to cancel autopay, and that she could not remove the adverse remark on my credit 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 XXXXXXXX

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX and Equifax Information Services LLC received My FTC Report and other documents regarding my Consumer Report. But also this is not only my first time but at least 3rd time reaching out to them regarding the information on my credit report. They had 10 Calendar days to remove this information this time around after giving them multiple inquires about the information on several occasions with nothing done. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXXXXXX XXXX balance {$4500.00} - XXXX XXXX  balance {$3500.00} - XXXXXXXX XXXX Balance {$0.00} - XX/XX/XXXX And also from Equifax Information Services : XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, Balance {$250.00} - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX, balance {$0.00} - XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
This company confirmed that they would remove the negative remark in XXXX and have yet to do so. This matter needs immediate attention. Why does it take several weeks to correct the error?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Receivable Management Services LLC
State: VA

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX and a separate account with XXXX XXXX XXXX XXXX. However, I have never authorized XXXX XXXX XXXX XXXX to report any information about my XXXX XXXX XXXX XXXX account to XXXX or any other credit bureau. 

After speaking with an XXXX representative, it was brought to my attention that XXXX XXXX XXXX XXXX has been reporting my XXXX XXXX XXXX XXXX account information to XXXX without my consent. Furthermore, the information they are reporting is inaccurate. Specifically, they have reported a balance of {$2100.00} for my XXXX account, which is incorrect. The actual balance is {$1900.00}. This unauthorized reporting constitutes a breach of my privacy and has been flagged as fraudulent. 

Additionally, I noticed another discrepancy involving a company called Receivable Management. This company has reported a collection account on my credit report to XXXX, claiming it is a recent debt. However, this account was fully paid off in XXXX It is fraudulent and misleading for them to report it as a new debt within the past XXXX months.

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 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I tried to use the card to make a purchase of {$1300.00} at a local automotive repair garage that accepts American Express. I have a balance on my gift card of {$2000.00}, that was enough to cover this transaction. The card was declined at the merchant with a message of " XXXX XXXX XXXX ''. 

I went home and called American Express ( XXXX ) to find out why. The phone system was not user friendly and kept disconnecting me. I eventually reached a representative after multiple calls and experiments with different, non applicable, message tree selections. 

The operator was not able to help or provide any conclusive information. Only possible reasons that the card was being declined. The operator solution was to use it at a different merchant. This was not helpful as I needed to use the card at a specific merchant that accepts American Express to pay a bill. I asked if the operator would escalate my call to someone who may be able to provide me a solution. The operator would not do this. Only reiterating to try the card at another merchant and call back if still an issue. She said there was nothing more she could do for me. 

I researched the issue online and found many complaints about American Express XXXX cards not being widely accepted, even at XXXX that accept American Express. 

I ended up paying cash from a checking account, significantly impacting my day-to-day personal finances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I cant express how frustrating it is to have these incorrect accounts on my credit report, knowing theyre unfairly dragging down my score. Its already cost me far too much, and Ive had enough.

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 2025-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received an e-gift card from my employer on XX/XX/year>. Since then I have not been able to use this gift card at all. Their website reports that you can add their cards to XXXX XXXX, but I have tried countless times and it states the card can not be added and to contact the card issuer. I have tried using the card multiple times at online merchants, triple checking that I input the information correctly, the card is declined. 

Upon researching, TONS of customers have this same experience with American Express. I don't understand how a company can be allowed to do this. 

I have spoken with American Express and I was told a few different things. Once, I was told to use the card in store- well I can't do that because it is an e-gift card and I can't get it added to my XXXX XXXX Another time, they told me to use it with online merchants that only ask for the " card number, expiration date, and security code ''. This did not work or make any difference. Some of the charges even show up as pending or denied on the transaction page of American Express, but they don't allow anything to go through. 

This gift card was a huge part of my budget for the holidays, I desperately need a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which grant me the right to request the removal of fraudulent or unauthorized information resulting from a data breach. 
The following accounts have been compromised due to the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Date Opened : XX/XX/XXXX o Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation