vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FORD MOTOR CREDIT CO.
State: PA

Complaint narrative:
On the date of XX/XX/2024 my fianc and I went into XXXX XXXX XXXX XXXX XXXXXXXX to hopefully trade in our car and get a new one. I specifically asked for my and my fianc to not have pur credit ran at more then our bank, the seller agreed to this. 

Long story short they ran out reports several times while we were there with out our consent or signatures. This breaks multiple consumer laws under title 15. 

There are violations for this matter, and what about the effect it has now had on my credit score now I am not able to get approved anyways else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/23 I purchased two clothing items totaling {$260.00} from the business XXXX apparel by XXXX through a payment plan with Affirm. After two months of waiting for this order, I reached out to Affirm while completing the 4 payments of {$65.00} to inform them of the situation that I can not get in contact with the business and my order has not been fulfilled. Affirm informed me that they will not be able to cancel the payment plan until the merchant cancels with them or forwards the payment for the order. I made several attempts to reach out to the business via XXXX direct message and email to inquire about delivery status of the order and to communicate with Affirm regarding cancellation but could not make contact with the business until XXXXThe business informed me that their old clothing website was compromised and they are not able to resolve any disputes and that I should chargeback the order with the bank to receive my money back. I charged back all 4 payments of {$65.00} due to the inability to retrieve the mercandise or cancel the order with the company. On XX/XX/23 the merchant scheduled a phone call with the merchant owner, Affirm, and I to discuss how to resolve this dispute which resulted in no solution and Affirm requesting payment from the business or the debt will mine to resolve. Affirm originally informed me that they just needed to contact the merchant to contact them to continue cancellation of the order dispute and then resulted to saying that no solution can be made because I waited to long to create a dispute with Affirm.The merchant refused to relinquish payment for unfulfilling the order which led to Affirm charging off the order and transferring the collection to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
As of XX/XX/year>, I attempted to open a checking account for my XXXX child and was denied. Reasons unknown to XXXX trust its an assumption fraud or a debit owed on the old XXXX XXXX XXXX account showed up via chex systems , Inc. I am unaware of any debt and suspect fraud. I would like the information removed immediately!

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 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
[ See attachment for formatted text in pdf format. ] I pay my credit card balances to Chase on time, but recently I erred and sent my payment due on XX/XX/XXXX to the wrong company. Realizing the error, I sent my payment to Chase but it was four days late ( XX/XX/XXXX ). This triggered the imposition of a late fee and interest charges not only on the balance due on XX/XX/XXXX, but on ALL the purchases made during the subsequent billing cycle, the payment for which would not be due until XX/XX/XXXX. To make this more concrete, here is a table of the dates and amounts : BILLING PERIOD XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX Period Purchases {$7200.00} {$12000.00} Billing Amount {$7200.00} {$19000.00} Payment Due date XX/XX/XXXX XX/XX/XXXX Actual Payment date XX/XX/XXXX XX/XX/XXXX Amount Paid {$7200.00} {$12000.00} Late Fees {$0.00} {$40.00} XXXX XXXX {$0.00} {$240.00} According to the XX/XX/XXXX statement, the interest charge of {$240.00} is based on a balance of {$13000.00} at a rate of 21.24 %. In the period from XXXX to XX/XX/XXXX, I made a few purchases, but far less than $ XXXX, so when Chase received my payment of {$7200.00}, they subtracted that from the current balance of {$7200.00} + a few purchases to yield a positive balance. Because the balance is positive, they start charging retroactive interest on ALL the purchases in the XX/XX/XXXX to XX/XX/XXXX billing cycle. So they are charging interest on purchases made during a billing cycle that has nothing to do with the purchases for which my payment was late. Had I made my payment XXXX days earlier ( XXXX ), those same purchases between XX/XX/XXXX to XX/XX/XXXX would not have incurred any interest charges. 

This is a deceitful and outrageous practice. The interest charges should apply only to those amounts for which payment is actually late. Chase is charging interest on amounts that are not even due for payment until the following month. Now I imagine that the law allows them to do this, and I have written to my representatives, but I think the CFPB should play a role in curtailing these interest charges. 

In my specific instance, Chase was willing to refund the interest and fees because I made an innocent mistake. Good on them. But the deceitful practice still exists and other consumers will be unfairly charged. 

Finally, in the interest of warning consumers, this insidious process used by the credit card companies to calculate and charge interest needs to be added to the CFPB informational website at https : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-05-16 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: AL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
All items listed must be shown and verified according to 15 US Code 1692g. XXXX XXXX XXXX must include all items listed to legally validate or verify the debt with me. If any one item is absent from the assignment of debt. Based on the full assignment of debt which XXXX XXXX provides to ALL its XXXX XXXX XXXX holders. I demand that XXXX cease reporting any debt by XXXX XXXX XXXX on my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: GUARANTEED RATE INC.
State: FL

Complaint narrative:
I requested the stated information on XX/XX/XXXX and KBHS has still not provided it to me, even after several follow up calls and emails over the last week.

KBHS XXXX XXXX also admitted to me over the phone that since I did not qualify for the primary home loan, as this property is my primary residence, that KBHS wanted me to make fraudulent statements for applying for a secondary home loan ( investment loan ) option. They stated that because there was another path forward, they would not provide me with a denial letter so that I could receive builder credits and move forward with another lender. Their path forward would have me willingly accept a rate 1.6 % above the market rate at the time the initial application was sent forward to underwriting. 

I am also submitting complaints to the XXXX and the VA. KBHS is in clear violation of the Equal Credit Opportunity Act by not providing me with the requested documents in a timely manner, and they have stated that they will not release them to me without a subpoena. 

My original application was a VA XXXX XXXX for a primary residence and I was unable to provide documentation that I could work remotely from my job in Texas ( moving to Florida ). This is a clear denial of the application that states I am applying for a primary residence - never an investment property. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XX/XX/XXXXXXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date : XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

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 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date : XX/XX/2024. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
PLEASE DELETE ALL NEGATIVE ACCOUNTS AND INQUIRIES XXXX XXXX LENDING Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>

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