vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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: EQUIFAX, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1300.00} MEDICAL ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), CXXXX ( Date Opened : XX/XX/XXXX, Balance : {$110.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$310.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Due to insufficient due diligence, Affirm helped to finance a XXXX XXXX XXXX XXXX XXXXXXXX, and has direct liability in this issue since it was helping to XXXX  XXXX XXXX 's transactions even when it was clear that they were insolvent and unable to fulfill any new orders. 
We purchased a sofa from XXXX XXXX  and used Affirm to finance the transaction because XXXX XXXX and Affirm had a co-marketing agreement. This means that XXXX XXXX marketed Affirm 's financing, and Affirm had a direct contractual relationship with XXXX XXXX  which granted Affirm exclusivity in terms of being marketed on the site. 
However, we never received our sofa, and XXXX XXXX  is claiming they have no legal obligation to fulfill orders placed before XX/XX/XXXX. 
Affirm has lied to the media by stating that consumers do not have an obligation to pay loans during the dispute, while writing to us on XX/XX/XXXX that we still have the obligation to pay them. For example in a XXXX XXXX XXXX article Affirm said there is no obligation to pay until the issue is sorted out XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX has admitted that it was obtaining payments and delaying orders because they had no cash to fulfill them, yet even through XXXX, Affirm was still fronting loans to XXXX XXXX. 

At this point Affirm is trying to pretend that it has no responsibility, arguing there is nothing they can do since 60 days have elapsed, and refusing to refund us. Meanwhile credit card companies like XXXX XXXX are helping consumers with this XXXX XXXX  issue. 

This is yet another reason why the CFPB needs to have better oversight over the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

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 2023-01-11 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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.

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 2023-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: College Foundation, Inc.
State: VT

Complaint narrative:
College Foundation Inc. and XXXX- well, it's hard to sum up. But, it appears that while I was in law school, my mother took out some loans in my name. It is clear from the amounts and dates that they were not for tuition or housing. I have disputed these for many years, and despite them being PRIVATE, the XXXX XXXX  apparently backed them or bought them, or something. I disputed them for many years with them. Eventually, I stopped paying the XXXX XXXX XXXX XXXX because the things were just growing and they would not agree to anything reasonable to resolve them even though they were disputed ( and private and past any statute of limitations which should apply to private loans ). Then I got sued. I filed my disputes then, statute of limitations, personal jurisdiction. The judge ignored these and has also ignored the affidavit from my mother stating she signed for these loans. Jurisdiction was allegedly based on the fact that I " signed them '' in XXXX  - however, there is NO EVIDENCE that I signed these. They did not have a notary or anything, and yet there is evidence that my MOTHER signed them. I have spent way too much energy trying to deal with this without any help. There is also no evidence that the funds were ever disbursed to me. I have requested it, but they have not provided it in discovery. They supposedly supboenaed XXXX XXXX XXXX, but I have received nothing from that for over a year indicating there's any evidence that this money ever benefited me in any way. In fact it's negatively impacted my credit for my entire adult life.There 's only room for me to select one company but it started with the College Foundation Inc and moved to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
This company continually calls me from new numbers and area codes ; without written consent unfairly submitted my information to my credit report damaging my credit causing me XXXX XXXX and now Im getting denied for credit cards and loans to help my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: MS

Complaint narrative:
The credit reporting companies used my information fraudulent. Under the Fair Reporting Act ; 15 USC 6802,15 USC 6809,15 USC 1681 my information was used fraudulent without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: MS

Complaint narrative:
The credit reporting companies used my information fraudulent. Under the Fair Reporting Act ; 15 USC 6802,15 USC 6809,15 USC 1681 my information was used fraudulent without my permission

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 2023-01-11 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony Bank XXXX Care Credit - XXXX I paid off my Care Credit balance of {$1900.00} on XX/XX/XXXX through my banks bill pay. I normally paid the account this way. Without my knowledge, Care Credit created another account and the payment went to a different account and created a - {$1900.00} balance. This still left the other account with an outstanding balance of {$1900.00}. So, I called to remedy the situation with the accounting department. The woman on the phone assured me that the problem would be resolved in a few business days. When the problem wasn't resolved ( I checked my online account ), I called again with the same problem and was sent to accounting again. The problem was not fixed and they assured me it would be resolved this time. 

So, thinking it was finally resolved I closed my account over the phone. The account closed. 

I received a statement in my email yesterday XX/XX/XXXX saying I still owe {$1900.00} and my payment is due in XXXX. Again, I called the accounting department and the woman ( XXXX XXXX told me that they hadn't fixed the problem properly and there was still a problem with the account and it would take 3 weeks to fix. By this time, I will be charged late fees for the existing balance on the account. I wanted to let you know that this is happening with this credit card company so that others are informed of the dangers of dealing with them. I would like to believe the situation will be resolved this time, but my confidence and trust that they will actually fix this problem is pretty much gone. 

Thank you for your time and understanding. 

Sincerely, 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 2023-01-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit & Collection, Inc.
State: SC

Complaint narrative:
This is a debt collector I have no knowledge of who continuously contacts me and now they have signed me up for text alerts without my consent. This is a copy of the text sent just today, Welcome! You'll XXXX XXXX XXXX from Nationwide Credit & Collection Inc. XXXX & XXXX.? 's call XXXX XXXX XXXX XXXX XXXX XXXX  To optout reply STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.

Complaint narrative:
I am XXXX XXXX  and my financial address is in XXXX XXXX, XXXX. I was XXXX client at the XXXX XXXX, NY. XXXX transferred my Checking account without my authorization to the Citizens Bank and finished my relationship with XXXX. 
I did not receive anything from Citizens Bank ( debit card, password to create an access to my checking account, etc ). I've contacted Citizens Bank and I've been told they don't not have checking accounts for foreigner investors, and I'd have to go to US to solve this problem. The amount that I have in Citizens do not justify this cost that I would have with a flight ticket, hotels, meals etc. I've also contacted the customer relationship at Citizen to get my debit card, but the attendant told he couldn't help me without a debit card reference number, which I've never got one. I can't believe this kind of problem can't be solved throught the internet or phone calls in the 21th century. 
The only thing that I am receiving is in a monthly basis a checking account statement informing a charge of monthly maintenance fee of USD XXXX. I CAN NOT DO NOTHING WITH MY MONEY AT CITIZENS BANK. So they are charging me this fee I can't do nothing about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I filed a charge dispute with a purchase on XXXX XXXX, capital one close the case even before i can get the respond from the merchant on XXXX XXXX XXXX  and charged me late fee and interest during the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: Roadrunner Account Services, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I disputed a loan that is still showing on my credit. The loan has been satisfied since XX/XX/XXXX. The vehicle has since been sold and registered to someone new. 

The loan amount still showing as of XX/XX/XXXX is {$4800.00}. Last payment shows as of XX/XX/XXXX. Account shows as pays as agreed I have disputed the loan as being incorrectly reported. I reported to the 3 credit bureaus and to the company the loan was from. All of this took place in XX/XX/XXXX. To date it has not been updated or removed and is preventing me from obtaining a mortgage. I have also requested my attorney contact as well but no progress has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
Ally Financial is currently reporting " late payment '' status ' for the months of XXXXXXXX XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX, and XXXX. This reporting is adversely affecting my livelihood, reputation, and creditworthiness. Ally Financial is in violation of : * The Heros Act ( Section110401 ) Negative Consumer credit reporting during the COVID-19 pandemic plus an additional 120 days to ensure innocent consumers effected by the significant economic harm of the COVID-19 Pandemic are held harmless and do not suffer further damage by having late or missed payments ruin their consumer credit report and reduce credit scores. 

*15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions ; transactions or experiences between the consumer and the person making the report are to be excluded from the consumer report whether or not they factually took place *15 USC 1666b ( a ) Timing of payments ; payments may not be treated as late for any purpose

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 2023-01-11 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:
I've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are XXXX address there are not linked to me in my report XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: LEXISNEXIS
State: MS

Complaint narrative:
Fraudulent misused of my personal information, without my consent ; 15USC6802,15USC1028,15 USC 6809 and 15 USC 1689.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This company continually calls me from new numbers and area codes ; without written consent unfairly submitted my information to my credit report damaging my credit causing me XXXX XXXX and now XXXX getting denied for credit cards and loans to help my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I Never received an attempt to collect debt. I was never informed of the debt owed. I only found out by trying to apply for an apartment and having a collection on my credit report. I have not received a letter of settlement or any correspondence regarding this debt even after payment I have not received a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$670.00} I have tried to file a fraud claim for the above charges as they were not authorized by me and RCI Barclay keeps telling it isn't fraud and wont give me a solution to the problem after explaining I found these charges after preforming a minor audit. I know I should be more on top of my finances and I will moving forward. They just keep telling me that since I payed my bill with my bank account this isn't fraud. I don't always review every charge on my statements I just make the payment. I don't think I should be penalized for making my payments on time.

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 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
JP Morgan after banking with them for several year has now " locked my profile '' and disabled my ablity to log-in online for two days in a row. 

They have claimed that this was due to a " negative '' account balance, when that occurred in only 1 of two accounts I have due to a unrecognized/fraudulent transaction. 

After calling to plead with them to allow me to get back into my account, they granted it. Only to lock up my funds in my investment account with them and now allow me to transfer any funds out claiming the account was " restricted ''. 

And they've decided to " close it for businesses reasons '' on the second day ( just a few moments ago ) with no explanation. 

In short, they're freezing my money. And clearly violating the XXXX legislation by being able to see both my deposit and investment accounts and admitting to it over the phone.

Company response to consumer: Closed with explanation