vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX [ Re : Complaint and Dispute Against Affirm , Inc. LLC ] To whom it may concern, I am writing to file a formal complaint against Affirm , Inc. LLC for violations of consumer financial protection laws. In addition to the complaint, I am also disputing any debts to Affirm , Inc. LLC and revoking all rights of Affirm , Inc. LLC to communicate with me through email, texts, or calls.

Furthermore, I am requesting validation of the debt as well as the purchase agreement between Affirm , Inc. LLC and the original creditor. Please provide this documentation within the prescribed timeframe.

I believe that Affirm , Inc. LLC has violated the following regulations : 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide validation of debt within the prescribed timeframe.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to provide accurate information to consumers.

12 CFR 1006.34 ( d ) : Engaging in unfair or deceptive practices in the collection of debts.

15 USC 1681-S2 ( 7 ) ( A ) : Failure to comply with the Fair Credit Reporting Act ( FCRA ) requirements.

Details of the alleged violations : Failure to provide Validation of Debt : Despite multiple requests for validation, Affirm , Inc. LLC has failed to provide any documentation or evidence to prove the validity of the debt they are attempting to collect, in violation of 12 CFR 1006.34 ( b ) ( 5 ). Inaccurate Information : The information provided by Affirm , Inc. LLC regarding the debt is inaccurate, in violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The amount claimed and the details of the debt do not align with my records, and I dispute owing any and all debts to them.

Unfair or Deceptive Practices : Affirm , Inc. LLC has engaged in unfair or deceptive practices in their attempts to collect the debt, as prohibited by 12 CFR 1006.34 ( d ). This includes harassment, threats of legal action, and misrepresentation of the debt.

Non-compliance with FCRA Requirements : Affirm , Inc. LLC has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681- S2 ( 7 ) ( A ), by reporting inaccurate information to credit reporting agencies and failing to investigate disputes regarding the debt. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: PA

Complaint narrative:
FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind verifying the documents? Several of the mentioned accounts are incorrect, causing me discomfort.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to you in the strongest terms possible regarding the presence of a XXXX account on my credit report. It has come to my attention that there is an account listed under my name that I have neither authorized nor had any association with. This is an egregious error on your part, and I demand its immediate removal from my credit report. 
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 2024-03-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Dear CFPB officer I have a one year CD account with Barclays, which matured on XX/XX/2023. I contacted the customer service on XX/XX/2023 before leaving for vacation, requested to close the account once it matures on XX/XX/2023 and fund money back to my original checking account at XXXX XXXX. I was told that the agent can't note the account for " non-renewal after mature '', and asked to do it myself. I thought I did a online option check for non-renewal, left for vacation. 

In early XXXX, I realized the account was renewed and called their customer service, they told me nothing they can do. I have tried to call twice after XX/XX/2023, was told that I have to pay more than {$6000.00} penalty to close this account. 

Although I was told by their customer service they will file a complaint for me and mail me the letter, which obviously I never received. At my last call, the customer service manager denied that she offered for filing a complaint before.

I filed this complaint for two reasons : 1 ) the bank created so much trouble to close the CD account before it matures 2 ) the bank created even more troubles even I followed up in early XXXX, Just two weeks after the account matured 3 ) Even their customer service manager kept on changing the statement regarding filling and mailing me a complaint letter to me. I observed such as in-consistency from the bank, which I don't trust anymore.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Transunion has a reported a Bankruptcy on my credit file on XX/XX/XXXX. The date reported was XX/XX/XXXX. I did not authorize transunion to report anything on my credit report. I spoke to XXXX at the Bankruptcy court and she said they do not report Bankruptcies. Transunion allowed a third party to purchase my information without my consent. Under the FCRA TransUnion is not a government entity but a publicly trading company which has no authority to report anything. These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the XXXX and XXXX District Bankruptcy Court of Ohio, they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. XXXX or any other third party has violated my rights under title 15 and others

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed unauthorized charges on my Wellsfargo credit card when I logged in to my online banking app to make a monthly payment on XX/XX/XXXX. I immediately froze the card and notified Wellsfargo on the phone. The unauthorized transactions were from eight different stores in the amount of {$700.00}. The customer representative said a new card will be sent and they will launch an investigation and I am only expected to pay what I owe during the month of XXXX. I paid my legitimate transactions accordingly. A week after, however, I saw the unauthorized transactions posted on my account again. I contacted wellsfargo and they said those are authorized. I expressly explained that I never went to those stores nor authorized someone else to use my credit card. The fact of the matter is I still have the credit card set to be expired on XX/XX/XXXX and they claimed that they have shipped me a new one on XX/XX/XXXX, which I never received. Those unauthorized transactions occured on XX/XX/XXXX, XXXX and XXXX relaunched the investigation and denied my dispute once again and the whole process took more than a month. 
Adding insult to an injury, I am being charged interest on an amount that I never done nor authorized.

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 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have been disputing with Experian for over a year now I have recently requested Experian to investigate accounts I believe that are inaccurate Experian has simply verified each account has accurate, I kept a copy and I will submit a copy to the cfpb, the very letter that I have submitted with various inaccurate accounts on them to be investigated. 

I am asking Experian to provide proof as to how they came up with each account being verified as accurate See documents in attachments below

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 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I received an email on XX/XX/2024 that my payment on my credit card was past due for the month of XXXX. I enrolled in autopay so I was surprised by this. I tried to make the payment online but my bank that was set up for autopay was deleted so there was no way I could make the payment online. I had re-set up my external bank account for payments and wait for verification of trial deposits before I could make the payment. This is the same bank account as I've used in the past to make payments, the XXXX statement payment was made from this bank account. I called to find out why my autopay was deactivated, the representative could not give me an explanation. She said that the only that that could happen is if I - the customer- had asked to have it deactivated. I read her a notification that I found on my bank account that said that my autopay service was deactivated due to " a change in the status of my account '' and she told me that they deactivated it because I was late on a payment. The explanation made no sense as I was only late on the payment because they deactivated it. They then told me that my account is in good standing, so they could not explain why it was deactivated. The representative was able to waive my late payment and interest charges but I did not receive an explanation as to why Bank of America deactivated my autopay. I am also now noticing that they removed my phone number on file which i use for 2 step authentication. After doing some digging it appears that my autopay was disabled on the same day that I requested to have my personal checking account with bank of america closed. I was not warned that closing my checking account would result in deactivation of autopay. To be clear, the checking account i use for autopay is NOT the same as the account closed with bank of america, it is an external checking account. When I called to make the request to close the BOA checking account, I told them it was because I no longer had enough funds to meet the monthly minimum or direct deposit and I could not afford the monthly maintenance fees. I am submitting this complaint because I suspect BOA is doing this to other customers, deactivating their autopay without reason and unless a customer fights back, then they get to collect on late fees an interest charges. It also feels retaliatory for them to deactivate my autopay because I decided to no longer use their banking service for personal checking.

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 2024-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: MD

Complaint narrative:
I requested a wet signature or contract showing my name about this debt. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a credit may not treat a payment on a debt account under a open end consumer credit plan for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am dismayed by the ongoing inaccuracies in my credit profile despite multiple requests for correction. Your failure to address these issues promptly not only violates the Fair Credit Reporting Act but also reflects poorly on your professionalism. I talked to someone within the company to confirm the documents have been received and they informed me that they never receive documents from the CFPB. I am writing to express my extreme dissatisfaction regarding the ongoing inaccuracies in my personal credit profile, specifically pertaining to the accounts referenced below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: NJ

Complaint narrative:
This follow up was for my previous complaint with regards to the unauthorized inquiries that the XXXX and Equifax have not yet addressed. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference # XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. Again, I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 15 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
According to FCRA 605B, it seems imperative for us to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? The presence of inaccuracies among the listed accounts is causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 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: AR

Complaint narrative:
I have disputed negative inaccurate debt collection information on my XXXX consumer credit report that was reported inaccurately or accounts that doesn't belong to me from third party collections agency or lawyers several times I have also provided documentation supporting my statements and XXXX has deliberately spoken to me in a hostile manner and continued to respond with nothing but an investigation result statement stating only that upon the investigation these accounts belong to you they refuse to provide original documentation proving the disputed accounts in fact belong to me after refusing to provide original documentation, contracts and signatures and source of investigations, XXXX has continued to report inaccurate information /accounts that do not belong to me addresses and names that are not mine this unfair reporting has caused detrimental damage to my character my ability to apply for a place to live, credit, insurance or any type of home loans. It seems that after the last disputes XXXX has deliberately reported any and every thing that is negative inaccurate or derogatory, that I have disputed that should've been removed according to the FCRA Acts all inaccurate missed spelled names inaccurate address derogatory inaccurate accounts, accounts opened without my authorization or knowledge to XXXX and or XXXX and all other credit reporting agencies inquiring about my credit worthiness and also closed accounts and all unauthorized hard inquiries. I am also a victim of identity theft and I have provided a police report that they have ignored. At this point I have no idea what to do as I am about to be homeless and I currently can't get any auto insurance with out paying 3 times the price I currently can't get any credit without paying very high interest rates like 22 % I have never been able to become a home owner or get approved for a loan due to the false unfair reporting that XXXX is deliberately reporting and or also the theft of my identity. I also have never in my life been able to get my score passed XXXX its in possible with the ill will behavior and deliberate actions of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: LEXISNEXIS
State: AR

Complaint narrative:
I have disputed negative inaccurate debt collection information on my XXXX consumer credit report that was reported inaccurately or accounts that doesn't belong to me from third party collections agency or lawyers several times I have also provided documentation supporting my statements and XXXX has deliberately spoken to me in a hostile manner and continued to respond with nothing but an investigation result statement stating only that upon the investigation these accounts belong to you they refuse to provide original documentation proving the disputed accounts in fact belong to me after refusing to provide original documentation, contracts and signatures and source of investigations, XXXX has continued to report inaccurate information /accounts that do not belong to me addresses and names that are not mine this unfair reporting has caused detrimental damage to my character my ability to apply for a place to live, credit, insurance or any type of home loans. It seems that after the last disputes XXXX has deliberately reported any and every thing that is negative inaccurate or derogatory, that I have disputed that should've been removed according to the FCRA Acts all inaccurate missed spelled names inaccurate address derogatory inaccurate accounts, accounts opened without my authorization or knowledge to LexisNexis and or XXXX and all other credit reporting agencies inquiring about my credit worthiness and also closed accounts and all unauthorized hard inquiries. I am also a victim of identity theft and I have provided a police report that they have ignored. At this point I have no idea what to do as I am about to be homeless and I currently can't get any auto insurance with out paying 3 times the price I currently can't get any credit without paying very high interest rates like 22 % I have never been able to become a home owner or get approved for a loan due to the false unfair reporting that XXXX is deliberately reporting and or also the theft of my identity. I also have never in my life been able to get my score passed XXXX its in possible with the ill will behavior and deliberate actions of XXXX.

Company response to consumer: Closed with explanation