vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I have been diagnosed with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX since XX/XX/XXXX. 

On XX/XX/XXXX, a significant medical event occurred. Adhering to my XXXX  instructions, I stopped taking the medication XXXX, resulting in a XXXX  XXXX XXXX. Since then, I have been experiencing XXXX XXXX XXXX XXXX XXXX XXXX XXXX - such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In response, I have been admitted to a XXXX XXXX XXXX XXXX since XX/XX/XXXX. So far, the cost of the medical treatment is currently at {$5600.00} with {$7000.00} pending insurance. 

The treatment costs has increased my expenses which caused me to create a personal financial statement of our monthly household income and our monthly household expenses/debt. Currently, our monthly household expenses/debt {$8800.00} is greater than our monthly household income {$8600.00}. Hence, my husband and I are in insolvency, and we have been notifying all of our creditors of our financial hardship while requesting for financial assistance. 

All of our creditors ( XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX ) but Affirm  have graciously offered us financial assistance. With these esteemed creditors, we have been paying a lower monthly minimum payment at a reduced APR, even with a grace period ranging from one to two months for an extended due date of our first payment on their payment assistance program.

However, Affirm did not offer any financial assistance, and I am in disbelief and disappointed in the business practice of Affirm for their lack of financial hardship policy for customers struggling through events of either that their income has decreased, their expenses have increased, or both. 

Therefore, we come your agency CFPB to help advocate for us in our need for financial assistance from Affirm to retain our home and maintain our households cost of living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Thrift Investment Corp.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX ( XXXX ) XXXX Dear Consumer Financial Protection Bureau S I BXXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Thrift Investment Amount : {$9400.00} I am disputing this claim due to : I have no knowledge of this account This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
They dont explain what the debt is from. I cancelled my membership immediately following the pandemic after the gym lied that they were unable to furnish me with account membership information and l cancelled my membership exactly as required. And many months later I begin receiving these messages with zero explanation of the alleged debt or option to dispute the alleged debt : Aldous & Associates logo Attorneys At Law Date : XX/XX/2023 YOUR ACCOUNT NUMBER : XXXX Agreement with : XXXX XXXX Current Balance : {$260.00} Hi XXXX XXXX : This is another past due reminder. Non-receipt of payment could potentially result in reporting on credit. We have not received a payment for your account XXXX with XXXX XXXX. {$260.00} is still outstanding. Please make payment via ACH or credit card at our portal. To make a payment, click on the given link. 

Pay Now Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 

Sincerely, Aldous & Associates, P.L.L.C. 

THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 

At this time, no attorney with this firm as personally reviewed the particular circumstances of your account. 

Go to cfpb.gov/debt-collection to learn more about your rights under federal law. 

VISIT WWW.ALDOUSLEGAL.COM OR CALL XXXX FOR MORE INFORMATION. XXXX XXXX XXXX. 

Office Hours : Mon Thu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you no longer want to receive these emails, click here to unsubscribe. 

Please do not reply to this email as this address is not monitored. 
CONFIDENTIALITY NOTICE : This electronic transmission ( and/or the documents accompanying it ) may contain confidential information belonging to the sender that is protected by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510 and 2521 and may be legally privileged. This message ( and any associated files ) is intended only for the use of the individual or entity to which it is addressed and may contain information that is confidential, subject to copyright or constitutes a trade secret. If you are not the intended recipient you are hereby notified that any dissemination, copying or distribution of this message, or files associated with this message, is strictly prohibited. If you have received this communication in error, please contact Aldous & Associates , PLLC immediately by telephone and destroy the original message. Messages sent to and from us may be monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
Please send DEBT VERIFICATION LETTER. I have no idea what this. You keep sending bills that I still have no idea what this is. I need something with my signature proving this is my debt. Other wise remove debt from my credit 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 2023-06-02 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: GA

Complaint narrative:
I have mailed the credit reporting companies and the company ( Arkansas Child Support ) that is reporting to them. They always reply that the account is verified but havent provided me any proof

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 2023-06-02 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired XXXX XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX ( Finance ) inquired on XX/XX/XXXX ; XXXX XXXX inquired on XXXX XXXX, XXXX ; inquired on XXXX XXXX inquired on XXXX XXXX, XXXX ; XXXX XXXX  XXXX inquired XXXX XXXX XXXX XXXX XXXX ; XXXX inquired on XXXX XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: KS

Complaint narrative:
I noticed unauthorized inquiries on my credit report that would like removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received wrong package ( closet different color different mirrors ) returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I moved out of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and did final walk-through of apartment along with handing in my keys. XXXX XXXX never sent my apartment deposit back {$1100.00} and also never forwarded a final closing statement to me at my new address in XXXX XXXX which I gave them. ( I paid all my rent that was due at time of move out. ) They specifically asked for my forwarding address. 
On XX/XX/XXXX I was notified that I have a new collections account by credit report alert Fair Collections & Outsourcing ( XXXX XXXX ) for {$670.00}. I have never received any statement about this debt.

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 2023-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: KS

Complaint narrative:
I rented a car from XXXX XXXX a car in XXXX XXXX MO on XX/XX/2022. Car was to be returned on XX/XX/2022. However, In the morning of XX/XX/2022, I got ready to go to my appointment, which was the major reason I rented a car, because my I dropped off my car at the mechanic. I started the car and it wouldn't come on. I called XXXX customer service, the lady I spoke with on the phone tried to see if she can walk me through trying to start it. It didn't work. She told me it may be more than just a battery situation and said she will send a tow to come and get it and also informed me that a replacement vehicle has been set up for me at a different location. I went to the other location and they told me they did not have any car available for me. I called XXXX customer service to inform them. they sent me to a different location, yet I did not have any car. I went ahead to my appointment. The car was towed and I did not get a replacement. And by that afternoon when it was towed, I have taken multiple Ubers to get to my appointment. I called XXXX to report this and they said to see what they can do. I rented the car via my XXXX XXXX credit card which seems to have collaboration with XXXX. I called my credit card and informed them and filed a dispute because I did not use the car for the whole intended duration and did not get a replacement. I was not going to pay for a service that was not provided. My credit card company credited me an adjusted total of {$180.00}. I was told by my credit card company that it's been resolved. I went to military training since XX/XX/XXXX and I just got back home, and I was going through mails and I saw that I had a collection from Vikings Client Services LLC, representing XXXX in collection of {$180.00}, " a debt that I owe '' and that I was placed on " do not rent '' by XXXX. Which I did not understand because I have rented from XXXX after the fact. I called XXXX customer service and was told they couldn't see where I owed money. I called Vikings client services and they insisted that I owed XXXX money and that I'm still on the " do not rent '' list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
My credit score dropped XXXX points because there was an account opened on XX/XX/2023 under my name and under XXXX XXXX XXXX. This is completely false. I never opened any account, nor did I ever receive any supposed bill I owed in the mail or electronically whatsoever. The company that is trying to collect this XXXX XXXX  debt from me is known as SEQUIUM ASSET SOLUTIONS. They are known as a fraudulent and scammy company. I believe I am a victim of fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was involved in an accident. capital one has put a late on my credit report. I spoke with them multiple times before and after. I was told my car is being paid off from my accident. Please call by this date in XXXX of 2023 to make sure there is no amount still owed on the car to not have a late on your credit. I called on the date I was told to and told to pay directly through my account not a card just to make sure payment goes through on time. My very last amount that insurance didnt cover. The late is on my credit and its stopping me from buying a home. I need this fixed please. Capital One doesnt do what they say and they are very rude about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: NY

Complaint narrative:
Back in XXXX  I had my wallet stolen which resulted in a fraudulent loan being opened. I had filed police reports, identity theft reports and disputes with the credit bureaus. The only credit bureau that continues to tell me that this debt is valid is Experian, however it is NOT. I did not open the account and this fraudulent account is negatively affecting my credit score. I am trying to get my finances and scores on track and I can not do that because Experian is not cooperating. I am attaching the Identity theft report and police reports to this thread and I would like this handled properly. I have attempted to discuss this with XXXX and they are telling me to go to the credit bureaus and claim I am responsible for this account. The product that was ordered was never delivered to my address as XXXX is aware. They also have a signature from the other address which is not a property that I am affiliated with and the signature is not mine. The email address and phone number associated with said account were not mine either. There is NO validation of this debt as IT IS NOT MINE.

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My account was frozen back in XXXX of XXXX. They froze my account with {$1600.00} and have refused since then to release my funds. I have over 70 tickets with venmo regarding this matter of which maybe only half have been answered. I have filed with the XXXX in which Paypal, who owns Venmo, responded and said my funds would not be released due to strict violations of their policies. I then emailed PayPal and got an email after 3 years of asking why and they stated I had committed fraud and suspicious activity on their app. I have read Venmos policies and it states funds can be held up to 180 days. Venmo has flat out told me I will not get my funds back and that they can hold my funds for however they want to. They cause damages and defamation of character accusing someone of something without explanation as to why, which they also states they do not have to do. Venmo bends their contract to the current situation which in turn means it really isnt a contract if it can change under sole discretion. Many, many people have had their accounts frozen and had their funds held for things as simple as sending birthday money and Venmo does not have to offer a reason why and then gets away with just keeping the money. 

**Sent complaint into Venmo on XX/XX/XXXX and the complaint was sent back on XX/XX/XXXX saying they are not the ones responsible for this complaint. **

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX should be removed immediately. According to the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies must provide accurate and complete information. However, the information provided by these two companies is inaccurate and should be removed from my credit report.

Furthermore, 15 U.S. Code 1681b states that consumer reporting agencies are only permitted to provide consumer reports to those with a permissible 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 non-monetary relief