vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I purchased Affirm at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I returned an item of {$180.00} to the XXXX XXXX  store on XX/XX/XXXX. I have a receipt. Affirm received the refund, and they emailed XX/XX/XXXX, to say they received the refund. ''Your {$180.00} refund is here. You have multiple plans with XXXX XXXX XXXX, so please select which one to apply it to within 48 hours. 
If we dont hear from you, it will be automatically applied to the plan with the highest APR. If this is not possible, your refund will be sent as a check in the mail. '' I have made several disputes with Affirm, and they claim not to have my money or see the transaction. But I have the receipts and emails from Affirm. Today, XX/XX/XXXX, they emailed me that I have a pending refund of XXXX when that is not the pending amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I was issued a Barclays Aviator XXXX XXXX  Master Card. On XX/XX/year>, I attempted to run a transaction, and it was declined. The customer service staff advised me to attempt the transaction a few more times, and each time it failed. Two Gentleman by the name of XXXX XXXX XXXX intervened. One of them closed my account, without reading the full disclosures about how to re-instate the account within the agreed 15-day period. Later that night, the account closed. I called, and it was re-instated by a customer service rep. The next morning, again it was closed, two staff by the names of XXXX and XXXX again assured me the card was valid, and a new card was issued. My app and online access were then disrupted. I was then consistently forwarded to customer security who requested documents. I sent in my Driver 's license, Social Security Card, Passport page, Utilities, bank statements, social security benefit statements, and form 1040. To date these individuals will not assist the customer service staff who keep calling me assuring me the new card is on its way, ( even as of this morning ), without any resolution. The security department says the account is blocked and they will not re-open it. Today is XX/XX/scrub>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 explanation
Consumer complaint received 2025-01-13 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: RI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Heres a description that outlines your situation clearly : -- - Two employees of Experian admitted during a recorded phone call that the company does not perform investigations into disputes, which directly violates federal laws under 15 U.S.C. 1681i ( requiring credit reporting agencies to conduct reasonable investigations into disputed information ) and 15 U.S.C. 1681n ( providing for civil liability for willful noncompliance ).

I disputed multiple inaccurate accounts listed on my credit report, requesting verification and validation of their accuracy. However, the accounts were summarily marked as " verified '' without any evidence that Experian conducted a proper investigation. I received no documentation detailing the steps taken during the investigation, no identification of the individuals or entities involved, and no records supporting the validity of the disputed accounts. This lack of transparency and failure to meet statutory requirements highlights Experians failure to adhere to its obligations under the Fair Credit Reporting Act ( FCRA ). 

Such practices undermine consumer rights and perpetuate inaccuracies in credit reporting, directly impacting my financial reputation and standing.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: AZ

Complaint narrative:
Subject : Dispute of XXXX XXXX Account Under FCRA To Whom It May Concern, I am writing to formally dispute the collection account reported on my Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this company is not licensed to collect debts in the state of Arizona. As such, this accounts reporting is inaccurate and should be permanently removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), Equifax and XXXX is required to follow reasonable procedures to ensure maximum possible accuracy in consumer reports. Reporting a collection account from an entity not authorized to operate in California constitutes a violation of this standard. Furthermore, under 15 USC 1681i ( a ) ( 1 ), I am entitled to dispute inaccurate information, and Equifax is obligated to investigate and correct or delete unverifiable data. 

Actions Requested Proof of Licensing : Provide verifiable proof that XXXX XXXX XXXX is licensed to collect debts in Arizona. 

Remove the Inaccurate Entry : If such proof can not be provided, permanently delete this collection account from my credit report. 

Provide Written Confirmation : Send me written confirmation of the accounts removal and an updated copy of my credit report reflecting the correction. 
I request that you complete your investigation and provide a response within the 30-day timeframe required under the FCRA. Should you fail to address this matter appropriately, I will escalate my concerns by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Arizona Attorney Generals office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Subject : Reporting of Charged-Off Accounts with Outstanding Balances & Breach of Personal Information Dear Sir/Madam, I am writing to formally file a complaint regarding inaccurate reporting of charged-off accounts on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681.

Upon reviewing my credit report, I have discovered that certain accounts, which were charged off by the original creditors, are still being reported as having outstanding balances by debt collectors. This is misleading, as per the regulations under 15 U.S.C. 1681, once an account is charged off, the balance should reflect the amount owed at the time of the charge-off, and no further charges should be added after this event unless they are part of a settlement or new arrangement. 
To my knowledge, these collection accounts should have been marked as charged-off with no further balance. The continued reporting of an outstanding balance not only misrepresents the actual status of these accounts but could also be interpreted as fraud. These actions seem to violate both the spirit and letter of the law, as they create a false impression of my financial obligations, which negatively impacts my creditworthiness. 
Additionally, I am concerned that the information reported may be a result of a data breach, compromising my personal information. This has put my privacy at risk, and I am requesting that an investigation be conducted into the source and handling of this data to ensure my information has not been unlawfully accessed or misused.

I kindly request that the CFPB investigate this matter and ensure that these inaccuracies are corrected. The failure of these creditors and collectors to comply with FCRA guidelines has caused significant harm to my credit standing, and I seek a prompt resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Back in 2020 I was being charged monthly fees for not having {$15000.00} in my savings account. This exact account type : https : //www.chase.comXXXX  which clearly states : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with one of the following each monthly statement period : A balance at the beginning of each day of {$15000.00} or more in this account OR when linked to a Chase Premier Plus Checking or Chase Sapphire Checking account '' Every month I would have to go back into a branch to have them re-link the account to the appropriate checking account. 

They continued to charge me and assured me it was because I did not have {$15000.00} in my account. They made me keep {$15000.00} in my account in order to avoid the fees. It was on a recorded call that Chase should have with an overseas call center rep. The call was made in 2020 and my ledgers should prove my case, as should account notes. 

In reality, they made me lose 4 years of interest on {$15000.00} because they lied about the account requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-13 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: CA

Complaint narrative:
I am writing to dispute an incorrect and invalid collection account that appears on my credit report, relating to an apartment I rented at XXXX XXXX XXXX XXXX. Due to financial difficulties caused by the COVID-19 pandemic, I fell behind on rent payments. In XXXX, through the State of California 's Housing is Key Rent Relief Program, XXXXXXXX XXXX received a total of {$29000.00} on my behalf. This payment fully covered all past-due rent for that period. 

Under the terms of this relief program and in accordance with the COVID-19 Tenant Relief Act SB91 ( signed into law on XX/XX/XXXX ), any landlord accepting state rent relief funds was required to waive all additional fees or charges related to outstanding rental balances. Therefore, once XXXX XXXX accepted the rent relief funds, my rental debt was considered resolved. 

Despite this resolution, I am now being charged for an additional 30 days of rent, allegedly because I did not provide proper notice of my move-out. In fact, on XX/XX/XXXX, I personally handed my 30-day notice to the property manager, XXXX XXXX XXXX at the on-site office. Consequently, I am not responsible for those extra rental charges. This debt is therefore both illegitimate and in direct violation of the relief programs stipulations. 

Furthermore, the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has reported a {$4600.00} debt on my credit file and has been mailing letters to my family members and acquaintanceseven though I have not received any direct notification myself. This conduct is improper, harassing, and based on a debt that is not owed.

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 2025-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Hello Sir/Ma'am I requested the purchase agreement and or some form of debt validation letter and have not received anything or heard from anyone and as a result would like the deleted from my credit report on all 3 bureaus, XXXXXXXX XXXX XXXX XXXX 

I mailed the letter in XX/XX/year> and it has been over 30 days with no response. 

LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I placed an order with XXXX XXXX XXXXXX/XX/year> using my PayPal debit card XXXX charged me a extra {$20.00} PayPal will not refund my {$20.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I have never lived in XXXX, Tx or had any services in my name in XXXX. I have been living in FL for the past decade. This account is the result of identity theft and should be removed from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I Have Hard Inquiries On My Credit Report That I Didnt Authorize

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 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Department TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 
Dispute the validity of the debt within 30 days of receiving the notice. 
Request verification of the debt before any further collection efforts are made. 
If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement informing the consumer of their right to dispute the debt within 30 days. 
A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to 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
Consumer complaint received 2025-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear TransUnion Dispute Department : I am writing to formally dispute a collection account that appears on my credit report. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with a validation notice within five days of their initial communication. This notice must inform the consumer of their rights to dispute the debt and request verification. If this validation process has not been properly followed, the collection account should not appear on my credit report. 

I have not received proper validation of the debt in question, and I am requesting that this account be removed from my credit report unless proper validation is provided. The presence of an unverified collection account is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the collection account from my credit report if it can not be properly validated. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

As outlined in 15 U.S.C. 1692g, consumers have the right to : Receive a validation notice informing them of the amount of the debt and the name of the original creditor. 
Dispute the validity of the debt within 30 days of receiving the notice. 
Request verification of the debt before any further collection efforts are made. 
If the collection account on my credit report does not meet these criteria, it must be removed immediately. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX  15 U.S.C. 1692g Validation of Debts This section of the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide consumers with a validation notice within five days of their initial communication. This notice must include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement informing the consumer of their right to dispute the debt within 30 days. 
A statement that if the consumer disputes the debt, the debt collector will obtain verification and provide it to 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
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Unauthorized inquiries on credit report 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 explanation