vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
On XX/XX/XXXX Ad Astra Recovery took {$300.00} via an unauthorized postdated check from my SSI Representative Payee account for a 3 year old debt I have with Speedy Cash. Ad Astra Recovery has never contacted me regarding the Speedy Cash account and the last correspondence I received regarding the Speedy cash account was an email from XXXX XXXX XXXX dated XX/XX/XXXX. There is no record of a judgement against me with the court, and I never authorized Ad Astra to access the bank account or to use a postdated check. Not only did they take funds from an account containing 'Federal Benefit Payments ' they did so without getting a court order or judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
I am a confirmed ID Theft victim and someone used my name to open up fraudulent accounts with a Affirm Inc. ( XXXX XXXX  ) .There are two accounts on my credit report that do not belong to me nor are they associated with my identity. I have no knowledge of these accounts at Affirm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed a current copy of my credit report and upon review I found multiple inaccurate or fradulant inquries listed to my credit report. I have written letter after letter and still have not be able to have unverifiable inquries removed from my credit report. This voiltation under 15 U.S. Code 1681b - Permissible purposes of consumer reports is continuing to damage my creditably and I have not given any such wirtten consent to have my credit report ran for credit. Please review inquries that are inaccurate and unverifiable. I am requesting that they be delated. 

XXXXL XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA is claiming that I owe them {$130.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed a current copy of my credit report and upon review I found multiple inaccurate or fradulant inquries listed to my credit report. I have written letter after letter and still have not be able to have unverifiable inquries removed from my credit report. This voiltation under 15 U.S. Code 1681b - Permissible purposes of consumer reports is continuing to damage my creditably and I have not given any such wirtten consent to have my credit report ran for credit. Please review inquries that are inaccurate and unverifiable. I am requesting that they be delated. 

XXXX XXXX XX/XX/2020 TransUnion XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 TransUnion

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After learning how to navigate the apps for the 3 credit bureau I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. Even after filling a report a few years back for identity theft. 

On or around XX/XX/2021 I wrote letters to each bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.

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 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Two companies are reporting inaccurate information regarding the same account that is already closed going on 7 years and keeps reflecting misidentified information with no factual date background or balance history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Two companies are reporting inaccurate information regarding the same account that is already closed going on 7 years and keeps reflecting misidentified information with no factual date background or balance history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After learning how to navigate the apps for the 3 credit bureau I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. Even after filling a report a few years back for identity theft. 

On or around XX/XX/2021 I wrote letters to each bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After learning how to navigate the apps for the 3 credit bureau I noticed a lot of false inquiries on my credit report that not only did I not make, Im totally unaware of. Even after filling a report a few years back for identity theft. 

On or around XX/XX/2021 I wrote letters to each bureau and requested that these false HARD inquiries be removed immediately. However, they have yet to be removed and my credit has been affected tremendously because of these inaccuracies thus denying me the rights under the fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NCA is claiming that I owe them {$890.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This debt keep showing up on all y reports o have not been to this place emergency room or used the service I'm a veteran under v. A. They would pay any medical debt I carry this insurance and I would only go to a v. A. Hospital

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
remove the fcra violations see ftc attachments

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
remove the fcra violations see ftc attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
The vehicle was declared a total loss by USAA insurance and the insurance policy had gap coverage. The loan was thru USAA 's banking branch. They came up with an arbitrary figure of {$71.00} that was still owed on the vehicle. I disputed this multiple times due to the coverage I had on my auto. I did not pay the {$71.00} because it should not have been there with the coverage I had the loan should have been paid in full.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I've been an American Express customer since 2013. I've always paid my bill in full never racked up interest charges and never missed a due date and my credit score is over 780. I had the personal American express platinum card and the business XXXX honors card. On XX/XX/XXXX, I took a trip from XXXX, FL to XXXX, FL to propose to my fiance in XXXX XXXX. Prior to the trip, I added my business bank account to my business card account to make payments to be consistent with business bookkeeping. I made a payment for {$7200.00} from my business account to my on my business Hilton honors card ending in XXXX and it was returned and I got an email from American express telling me that all of my accounts. ( personal and business ) were closed. The personal American express platinum card and the business Hilton honors cards were the only cards in my possession at that time, so I was stranded 400 miles away from home with two cards that American express closed without warning. Upon further investigation, I realized that I missed the business bank account number by 1 number therefore my account number was wrong and that was the reason for the returned payment. I've tried explaining this to American express and this fell on deaf ears. Since this happened I was able to enter the correct account and paid my balance in full to AMEX. I have been a loyal customer of American express since 2013 and it's a shame that they treat loyal customers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I've tried several times to contact XXXX XXXX XXXX  to update my credit score due to it being the same for the past 2 months. My score is completely inaccurate on there site. XXXX XXXX has blocked me on XXXX so they didn't have to deal with it. I've called them and they said it's been updated and again I'm stating it hasn't been updated. My score has gone up on a monthly basis and it's always wrong.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have expressed to equifax that they have stripped my credit cards off of equifax when they should not have and they need to put them back on. My credit cards are under my address which is XXXX XXXX XXXX XXXX, XXXX XXXX, nevada XXXX. My cards was on equifax and equifax took them off when they were not supposed too. The cards that need to be put back on equifax are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is not my employment XXXX is my previous employment. XXXX is my current employment. XXXX BALANCE IS INCORRECT IT IS NOT {$2200.00}, THE CORRECT AMOUNT IS {$1300.00}. 

THESE INQUIRIES IS UNAUTHORIZED : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE BEEN DEALING WITH THIS WAY TO LONG. NO CONSUMER SHOULD HAVE TO ENDURE SUCH STRESS CONCERNING SOMETHING THAT THEY DID NOT HAVE ANY KNOWLEDGE OF. I HAVE SENT EQUIFAX NUMEROUS DOCUMENTATION CERTIFIED AND UNCERTIFIED WITH FTC AFFIDAVIT WITH A POLICE REPORT NUMBER AND THEY STILL REFUSE TO CORRECT MY CREDIT REPORT. THIS PROBLEM IS MAKING MY CREDIT SCORE LOOK EXTREMELY LOW. THE ABOVE ACCOUNTS WAS ONCE ON MY EQUIFAX REPORT AND I DID NOT TELL EQUIFAX TO REMOVE THEM. THIS HAS CAUSED A GREAT BIG PROBLEM WITH MY CREDIT SCORE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I signed up for auto-pay on my credit card on XX/XX/21 and the card company said the first auto-pay would be processed on XX/XX/21, the due date of my most recent bill. On XX/XX/21 my payment was not processed and the card company charged me a late fee and interest. Once I noticed the auto-pay was not processed I immediately made my payment manually. I've asked them to credit the fee and interest back to my card but they have refused. I should not be liable for additional fees just because they're auto-pay feature does not work correctly. This is also the second time I singed up for auto-pay with them. Neither time they have taken the payment on the correct date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is about the account XXXX XXXX on my credit report. It has been removed from XXXX  but not XXXX  or Experian even after several disputes. This was a fraudulent account and the company agreed to remove it if I paid it off in years ago but after paying it off at the time of agreement they never did. The amounts and dates reported are incorrect from one report to another. Also this account is over XXXX XXXX XXXX. Legally with age and incorrect information it should of already been removed. XXXX XXXX  is as follows, closed on XX/XX/XXXX, last reported XX/XX/XXXX, balance XXXX, opened XX/XX/XXXX, On EXPERIAN it states as follows opened date XXXX XXXX XXXX ) XXXX, balance was XXXX XXXX XXXX, highest balance ( XXXX XXXX, status update XX/XX/XXXX with no day of the month. I have disputed this under fraudulent account, company not sticking to agreement, incorrect dates, incorrect balances, and the age of the account which is the reason XXXX  deleted it without incident. I am sure it is also on other reports such as XXXX XXXX, and XXXX XXXX XXXX. From what I have read it should have been deleted from all of them by law due to the reasons listed above.

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 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
In XX/XX/2021 I received a phone call from Merchants and Medical stating I owed a debt, but didn't tell me who it came from, and I had to pay. I explained I had no knowledge of the debt and have never received any type of notification other than this very phone call. 

I requested documentation and proof of the debt be sent to my address and informed them I've lived at this location for 6 years. If they had sent anything, I would have received it. 

As of today I have not received any documentation of the debt, how much I owe and how to dispute it. Merchants and medical have placed the collection on my credit report without properly notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
Receivables Solutions is reporting a debt on my report that has been paid. I want this inaccurate information removed from my report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I have contacted Quicken Loans several times since my chapter XXXX bankruptcy was XXXX satisfactorily as I surrendered this house to my ex husband. I got my discharge in XX/XX/2020 and have contacted them via phone on several occasions. I have also contacted the credit bureaus and disputed the data. I am no longer financially responsible for this mortgage and my ex husband was making late payments and it is damaging my credit even further than it already is. The next step will be to contact a lawyer for assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am dissatisfied with the response I received from Chase regarding an issue that is completely under their control. The Chase plan allows spreading out payments for no more than ten purchases over an extended period of time. I reached the maximum and because I made another large purchase, I paid off 4 of the existing charges under the plan in an effort to add this purchase. Chase responded I must wait two billing cycles to allow the XXXX  balance charges to drop from the plan. 

I am including Chase 's response to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lennar Financial Services, LLC
State: GA

Complaint narrative:
Lennar Mortgage LLC XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : UNAUTHORIZED HARD INQUIRY RUN ON MY CREDIT On XX/XX/2020 the above mentioned company ran UNAUTHORIZED HARD INQIURY ON MY CREDIT. THERE ARE TWO INQUIRIES ON SAM DAY XX/XX/2020. 

XXXX RESPECTFULLY ASK, REMOVE BOTH THESE INQUIRESS FROM ALL CREDIT BUREAUS IMMEDIATELY - WITH OUT ANY FURTHER DELAY*****

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