vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX, I applied with Affirm for an order from XXXX but was denied. I do have a credit freeze but I lifted the freeze a day before. Therefore, Affirm had access to it stating they could not verify my identity. I have the same profile with Affirm with 18 accounts pay in full with a great pay history. Affirm providing false reasons to denied so the customer can not get an Affirm account. I would rather they tell me we can not at this time assist with your purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I DO NOT APPLY FOR THIS INQUIRY XXXX XXXX XXXX XXXX  AND THESE ACCOUNTS, I DON'T KNOW WHERE THEY CAME FROM 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I DO NOT APPLY FOR THIS INQUIRY XXXX XXXX XXXX XXXX  AND THESE ACCOUNTS, I DON'T KNOW WHERE THEY CAME FROM 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 2023-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX : I successfully open a Discover high yield savings account XX/XX/XXXX : I attempt to connect my bank ( Discover doesnt take my bank. doesnt tell me this though! ) - instead of giving me an error message it just locked me out PERMANENTLY for too many attempts. 
XX/XX/XXXX XXXX XXXX : I call Discover. They half remedy the issue by unlocking my account, I thought everything was fine. 
XXXX I find that I can't open new bank accounts. I can't connect accounts. Apparently Discover sent XXXX some message saying I'm negative. From what I'm reading this mark with remain there for 5 years. No other information is available accept that I have the option to ask for this report and dispute it. Notice how much I need to do because Discover 's platform doesn't inform you of THEIR website error. Websites are telling me " pay down debt '' as one of the steps. As if I did anything wrong or owe anyone money. 
XXXX I fill out my sensitive info for XXXX, click send, nothing happens. I try on a XXXX, same thing. I'm on a common laptop, like what's the issue? This is actually illegal on the part of XXXX, because they claim they will give me my report but it is inaccessible. I actually try to call, but the connection and accent is so bad I can't understand anyone and I give up. I promise I'm not being XXXX, XXXX XXXX ; I really struggle to understand heavy accents. Inaccessible information that is mine. Hours spent by now. 
XXXX I call Discover back to give them an opportunity to correct it ; the kind and unfortunate supervisor tells me that by their rules Discover can not do ANYTHING FOR ME! I have to reach out to XXXX. He was upset as well, he didn't even know this could happen to someone. 
XXXX filing this complaint. Will bring lawyers into the situation if needed. 

*This date was an error on my first submission for XXXX XXXX it was XX/XX/XXXX that I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted a complaint with the three credit bureau well over 30 days ago and have yet to receive any correspondence back from them and this has caused me great hardship, i want to get this resolved asap so I can move on with my life...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my Federally Protected Consumer Rights of privacy and confidentiality under 15 U.S.C. 1681. XXXXDepartment of Education acct . # XXXX and US Department of Education acct. # XXXX. Also, US Department of Education acct. # XXXXhave violated my rights. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 section 604A It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1682s-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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my Federally Protected Consumer Rights of privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX acct . # XXXX and US Department of Education acct. # XXXX. Also, US Department of Education acct. # XXXXhave violated my rights. 15 U.S.C. 1681 section 602A States I have the right to privacy.

15 U.S.C. 1681 section 604A It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681C ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1682s-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.

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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
I disputed items inaccurate on my credit report. Mainly debt not owed, or duplicated debt that shows paid off, and new debt from the same company appeared almost a year later. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank 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 non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have called and posted my issue in the message system for Specialized Loan Services regarding the payoff of my 2nd mortgage; requested the full reconvenyance and refund of overpayment. I used the online system to get the payoff balance and made two installments, the first at {$50000.00} was posted on XX/XX/2023 and the balance of {$14000.00} ( per the payoff provided ) posted on XX/XX/2023. Shortly after the payments processed I called and was told it would take 51 days for them to issue the refund ( an overpayment per their site of {$580.00} ) and to provide the reconveyance to support loan paid. I have sent messages again, no response. It is now 65 days with no response and I am concerned about clearing the lien status on my property to just reflect my first mortgage.

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 2023-09-21 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked is not being made in error ; nor is my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Dare : XX/XX/XXXX You are required to do what I asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MD

Complaint narrative:
Zion Debt Holdings has been reporting me as owing a debt of approximately {$570.00} for XXXX home security. The agency claims that I owe them the money because I was a joint account holder with my mother, XXXX XXXX. This is not true. 

I informed Zion during a phone call in XXXX that my mother passed away in XXXX. They are apparently therefore trying to collect from me. This collection apparently references hime security account my mother entered into with XXXX around XXXX. She canceled the account in approximately XXXX because she sold the house ( XXXX XXXX XXXX, XXXX ). XXXX is apparently trying to collect some sort of fee for the cancellation, although they did not inform my mother at the time of cancellation that a fee would be issued. I was present when the alarm system was installed and signed off on behalf of my mother, because she lived out of state at the time. The technician who installed the system as well as the XXXX representative over the phone informed me that I was not signing as a co-account owner and was not responsible for payment. I never received bills from XXXX for that account which covered XXXX XXXX XXXX, XXXX, MD XXXX. 

XXXX did not start sending me notices until XXXX after it appeared on my credit report. I want the information removed from my credit report. I did file a dispute, however, it appears that a new credit debt collection agency has the account and has put it on my credit report again. I never agreed to be a co-account holder for my mother, and if the paperwork indicates that I was, then it was fraudulently obtained.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

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 2023-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, account number 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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES 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 non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Dear CFPB, American Express is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. I spoke to the Customer Service department on XX/XX/XXXX. I told them my request to update reporting and remove late fees would be reviewed. I have no correspondence for Amex ; they have closed all my accounts based on a review of my recent credit report dated XX/XX/XXXX. I had these accounts for XXXX  years with no late payments until Covid - 19 Pandemic in which I have been unemployed for the past year. My unemployment benefits ended in XXXX XXXX  XXXX. 

For the following accounts. 

AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact date XX/XX/XXXX Credit Limit {$7200.00} Before XX/XX/XXXX / NEVER /LATE AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Contact date : XX/XX/XXXX Credit Limit : {$4900.00} Before XX/XX/XXXX, / NEVER /LATE AMERICAN EXPRESS XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Contact Date : XX/XX/XXXX Credit Limit : {$2000.00} Before XX/XX/XXXX / NEVER /LATE No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. 

Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. 

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  SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - XXXX  days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to XXXX  days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health ( Started XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I financed a car through Westlake Financial, and was always on time with my payments until COVID-19 restrictions forced me to lose my employment and my car was repossessed. Even after asking for a deferment I was able to recover my vehicle for a modified payoff amount and was told that if I made this, they would remove the late payments from my record and that never happened. My credit report still shows three late payments on this loan.

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 2023-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a mortgage on my Condominium with Fifth Third Bank. My taxes and insurance increased last year by approximately {$2000.00}. The escrow statement for the coming year has reflected the increase and I agree with that. The escrow statement however, claims that I will be {$5700.00} short this year even though I am paying throughout the year. The Bank 's justification for the shortage is that they are paying the tax in XXXX, even though it is not due until XXXX. Further, calculating the balance at the end of the year, they still claim that I would be {$1200.00} short, even though I will have {$4500.00} in my escrow because they are using the same logic for the next year. This is akin to asking for a deposit and this skewing my payments wherein I am paying {$900.00} a month for escrow and only {$800.00} for my mortgage and interest. I have another account with Fifth Third and this is even more more egregious because the county has not even released the tax bill which will not be due until XXXX of Next year and they are claiming that they are paying this in XXXX. Fifth Third personnel were rude and told me that they have a right to collect the money at any point since they are the ones paying the taxes and insurance. In effect, they are skewing these escrow balances on purpose.

Company response to consumer: Closed with explanation