vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
My sister took out a loan using my affirm account to buy some shoes for XXXX dollars through the XXXX I did not consent to her doing that, and all she needed to do was use my phone number without my knowledge. She didn't need anything else to prove it was me. No ssn, no security question, not even a password. The account the money is owed in is even in her name but going on my credit report. I called them after it appeared on my credit report on XXXX and they said this should be an easy fix because its in her name and that theyd send an email to let my provide evidence that she was a real person. I checked everyday for a week and they didn't send it. I called them again and they told me it was an email that only lasts 24 hours after being sent, but will randomly be sent somewhere between 24-48 hours. I again checked every day for a week before time ran out to provide evidence through this email cause they only gave me 15 total days. I also filed a dispute with XXXX  and they got back to me today saying that affirm told them all the information about how much I owe is correct. And the bill didn't get noticed till late XXXX because I didn't remember affirm and I still have no idea who the XXXX even is so in I figured the emails were spam, I get loads of those kinds of emails saying I won something or owe something. The only reason I remember making an affirm account was when I was XXXX, stuck in new jersey thought maybe I could get a flight payment plan, couldn't. But that's the only time I ever personally used it, 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: CA

Complaint narrative:
Hi, My account was deactivated on XX/XX/2022 by the company, there is an XXXX USD worth balance kept in my account. 

I didn't receive any formal notification or official letter from the company regarding the incident, and they did not provide me with any further explanation of how they deactivated my cash account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
On XXXX XXXX GM Financial repossessed my XXXX XXXX XXXX after it was paid off in Bankruptcy. After the Bankruptcy was dismissed in XXXX we received final balance of XXXX owed on the vehicle. We have never received any correspondence from GM stating that we owe any additional monies on this vehicle. After 3 years they send a repossession order to a company located in XXXX, Georgia to come at XXXX XXXX   to take our car Illegally. After speaking with a representative XXXX, at GM, he stated that we still owed XXXX on the vehicle because the Bankruptcy was not dismissed they went back and assessed all of the finance charges! At the start of the bankruptcy, GM stated that we owed XXXX when tge Bankruptcy was dismissed, we had paid XXXX fir the vehicle. We owed the US Bankruptcy Court XXXX and we owed the creditor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
See the Attached documents pertaining to identity theft and unlawful actions ADDED Exhibit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
Myself and my current mortgage company have been trying to get Roundpoint Mortgage to fix a lien that they have on my property since XXXX. We have been calling and sending emails since the XXXX of XXXX. We were told XX/XX/XXXX was the date the lien was going to be filed to HUD but that didn't happen. The lien still has not been filed. We have over 20 emails between the two of us and over 30 phone calls documented. Even requested a phone call with the " President '' which never happened. XX/XX/XXXX was told someone would call me from customer advocate department on the XXXX. Was hung up on XX/XX/XXXX while being " transferred '' to the advocate with still no help. I called back and was told a customer advocate would call me within 24hours which has been their statement everything I call. All of this to get a lien filled correctly or released that was their mistake.

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 2022-05-16 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: NY

Complaint narrative:
This is a fraud account XXXX my information was stolen in the equifax data breach and this account was open with stolen information, Current shows as a charged off account with a XXXX balance seem the debt was sold to another debt collector by the name of XXXX XXXX XXXX and a collections of XXXX is listed my 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 explanation
Consumer complaint received 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Following accounts where Where deleted XXXXXXXX XXXX  accounts number XXXX & XXXX XXXX account Number XXXX & XXXX  Account number XXXX & XXXX XXXX Account number XXXX these accounts where previously deleted in XXXX XXXX then after 4 months I received a letter from XXXX stating the all previously deleted where back on my credit report .. XXXX also violated my rights under 15.U.S.C. 1681 section 604 A section 2 The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. they also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( e ) : The cleary states the credit bureus have 5 days to notify me from when they receives my disputes. they also violated my rights under 15 U.S.C. 1681 section 611 ( 5 ) ( a ) ( l ) ( i ) the law cleary states if items are are found inaccurate or can not be verified the consumer reporting shell promptly delete the information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: IL

Complaint narrative:
The Following accounts where Where deleted XXXXXXXX XXXX accounts number XXXX & XXXX XXXX account Number XXXX & XXXX Account number XXXX & XXXX XXXX Account number XXXX these accounts where previously deleted in XXXX XXXX then after 4 months I received a letter from XXXX stating the all previously deleted where back on my credit report .. XXXX also violated my rights under 15.U.S.C. 1681 section 604 A section 2 The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. they also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( e ) : The cleary states the credit bureus have 5 days to notify me from when they receives my disputes. they also violated my rights under 15 U.S.C. 1681 section 611 ( 5 ) ( a ) ( l ) ( i ) the law cleary states if items are are found inaccurate or can not be verified the consumer reporting shell promptly delete the information from the file of the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent Experian a XXXX letter disputing two accounts that have been paid for legally and closed but still appears delinquent on my credit report. I also mailed the required documents and information to them on XXXX XXXX, 2022. Experian reached back XX/XX/2022 stating everything is accurate. I don't think it is fair to have a delinquent account remaining active on an account if it has been paid and resolved already.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # 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 Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-05-16 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: V and H Portfolio
State: LA

Complaint narrative:
I disputed these items a while ago about Vance Huffman Account # XXXX. 
After the investigation, this item was deleted. Unfortunately, the joy was short-lived. The item has returned to my XXXX account and creating more harm to my report and current life-style. As per mandatory by the FCRA & 611 ( 15 U.S.C & 16811 ) its required that I am sent ( within 5 days ) a certification of accuracy and notice of the updated information associated with this debt from my credit report instantly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted this company, " XXXX XXXX XXXX '' and today trying to locate these so called debts. 

XXXX XXXX XXXX : Acct # XXXX {$170.00} Acct # XXXX {$280.00} Acct # XXXX {$88.00} Acct # XXXX {$300.00} I gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once! 

XXXX XXXX and Equifax are reporting this inaccurate information on my report. I disputed this information last month and they claimed to have verified this but how could they have verified information that the Collection company cant even verify? They lied, they NEVER investigated they just sent me a letter sitting that it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have contacted this company, " XXXX XXXX XXXX '' and today trying to locate these so called debts. 

XXXX XXXX XXXX : Acct # XXXX {$170.00} Acct # XXXX {$280.00} Acct # XXXX {$88.00} Acct # XXXX {$300.00} XXXX gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once! 

Experian XXXX and XXXX are reporting this inaccurate information on my report. I disputed this information last month and they claimed to have verified this but how could they have verified information that the Collection company cant even verify? They lied, they NEVER investigated they just sent me a letter sitting that it was verified.

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 2022-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have contacted this company today trying to locate these so called debts. 

Credit Collection Services : Acct # XXXX {$170.00} Acct # XXXX {$280.00} Acct # XXXX {$88.00} Acct # XXXX {$300.00} XXXX gave the representative my full name, address, and social security number, telephone number, former address and she still could not find any collection accounts in my name. But this company has listed all four of these collections on my credit report! Please investigate this and have them to remove this at once!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
Several Dispute Letters sent to company and the Credit Reporting Agencies in reference to the accuracy of Discovers reporting. I applied for a DISCOVER XXXX credit card XX/XX/2020 and was approved however when I received the credit card and tried to activate, I couldn't. Discover stated they had to verify my identity before I was able to activate the credit card yet I had paid money for the credit card. Two weeks later Discover stated they couldn't verify my Identity so they were issuing me a refund. However Discover reported a line of credit to the credit reporting agencies the hit I took on my credit report after Discover closed the account that had never been open was XXXX points. 
The account is reported to All Credit Reporting Agencies as a Closed Credit CARD ACCOUNT AND IT SHOULDNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 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: NY

Complaint narrative:
This is a fraud account XXXX my information was stolen in the XXXX  data breach and this account was open with stolen information, Current shows as a charged off account with a 0 balance seem the debt was sold to another debt collector by the name of XXXX XXXX XXXX and a collections of XXXX is listed my 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 2022-05-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
Dear Consumer Financial Protection, I had made a complaint prior to you about XXXX  XXXX XXXX. They encouraged me every three months to do a forbearance when I lost my job because of Covid. XXXX reassured me I would not lose my home. I trusted them and I did. After the forbearance period was over, I went through months of sending paperwork over and over and them asking for the same paperwork that I sent over and over. I was getting phone calls saying I was going into foreclosure because I did not qualify for any of their programs and could not get an answer why? After they received complaints from your company they sold my loan to Carrington mortgage. I was contacted from Carrington mortgage stating my loan had been bought out by XXXX XXXX XXXX. I never received any notices from XXXX  XXXX XXXX stating they sold my loan. When they sold my loan my credit score went down XXXX points and they reported that I was late while I was in the loan modification. I have worked so hard in my life to build up my credit score it was EXCELLENT now it is fair. I have tried to contact them several times about this issue with no call back.I justed looked at my credit report today XX/XX/XXXX, and now XXXX XXXX  also reported I was 120 Days late?? The loan was bought out XX/XX/XXXX. I was told 3 times when I called to check on the ststus, it will take 30-60 days to update your loan. I still have not receives anything through the mail on by phone. I have been trying to work out this loan since XX/XX/XXXX. 
Thank you nfor you help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I received a copy of my credit report and found the following items to be inaccurate ; 1 XXXX XXXX account number XXXX has multiple inaccuracies. 
1. Across the XXXX bureaus the dates of last payments received are inaccurately reported ( XXXX ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX 2.Dates last active ( XXXX ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX ( XXXX  ) XX/XX/XXXX 3.XXXX  comments and acknowledges the debt as being XXXX in bankruptcy. So the company has been reporting activity on a XXXX debt. This is a validation of the Debt collection privacy act. 
By the provision of the Fair Credit reporting act I ask that this item be deleted. please reference 15 U.S. 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is in accurate. I understand that under 15 U.SC Sec 1681 you must complete this investigation with in 30 days.

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 2022-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit bureaus Account name XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate this ground for removal. 

They also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The Law clearly states consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 USC 1681 section 611 ( 2 ) ( a ) : The Law clearly states that the credit bureaus have 5 days to notify me from when they received my disputes They also violated my rights under 15 USC 1681 section 611 ( 5 ) ( a ) ( I ) ( ii ) : The Law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief