vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-08 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: Bread Financial Holdings, Inc.
State: FL

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I want to get XXXX affirm collection debts removed from my credit report as its heavily affecting my credit score as well as my chances of buying a home. Two of which are paid and still in my credit report and one that is showing a past due amount of : {$720.00} This debt is inaccurate for three reasons one for for showing a past due amount. Two I never received a validation letter via mail or electronically so they are In violation and must get these off my consumer report. And three I never had debt with the collection agency and they are trying to hold me accountable for money I never owed them Affirm inc Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2020 ( XXXX ) and on XX/XX/2020 ( Transunion ) and on XX/XX/2020 ( XXXX ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, thus account is reporting inaccurately on all credit bureaus including wrong dates and I am not responsible for this account. Debtors nor the credit bureaus did and could not verify this Inaccurate XXXX  XXXX. Also, there was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately because i reached out to the court system and they verified they are not the one reporting this Derogatory the credit Bureaus are acting on their own In Accordance with the fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX has violated my right 15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
I sent this letter to all 3 Major Credit Bureaus on XX/XX/XXXX requesting an investigation for several inaccurate reporting on the Date of last activity date, High credit amount, date of last payment, last reported date are all inaccurate from one Bureau to another. This is affecting my credit score and my ability to make major purchases. 


To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Unpaid balance reported Charged off account Profit and loss write-off as a loss by the credit Unsecured grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit bureau reported a collections account " XXXX XXXXXXXX XXXX XXXX ''. I have no knowledge of this account. This account was DELETED from my credit report a year ago for false, inaccurate reporting. I have not been furnished any proof or verifications of this account. I don't have any signed contract agreements with XXXX XXXXXXXX XXXX  XXXX verbal agreements, nor any paperwork associated with them. A proper investigation according to FCRA was not conducted, word of mouth from the creditor is not proper. I request a legal and legitimate investigation be conducted and concrete proof of account. Removed and don't report again if another creditor decides to pick up this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08 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: PA

Complaint narrative:
I asking for a investigation on my credit file because I have account were fraudulently obtain in my name. Please remove these accounts after the conclusion of this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint serves as a formal notice that you have failed to respond to my dispute letter of ( XX/XX/22 ). I sent this letter via the CFPB online, and certified mail. 

As you are well aware, federal law requires you to respond/complete within 30 days. It has now been over that period since the receipt of my letter. As you are aware, failure to comply with federal regulations is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am maintaining detailed records of all my correspondence with you. 

I am sure this was an honest oversight, or you just misplaced my letter due to the high volume of requests you receive daily. In any event, Im sure youll want to handle this matter immediately. 

Please reference my original complaint CFPB case # : ExperianXXXX : XXXX ACCOUNTS TO BE IMMEDIATLEY DELETED : 1. Original Creditor is - Unknown - Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX. Original creditor is Unknown - Acct Name : XXXX XXXX XXXX, Acct # : XXXX* 3. Original creditor is XXXXXXXX XXXX  - Acct Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX ; 4 . Original creditor is XXXX XXXX XXXX  XXXX XXXX Acct Name : XXXX XXXX, Acct # : XXXX. 

5. Original Creditor is XXXX XXXX Acct Name : XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX ; 6. Type of Account : XXXX XXXX XXXX Public Record : Ref Number : XXXX Also provide me with an updated copy of my credit report after deletions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Consumer Portfolio Services, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX my XXXX report indicated an active account since XX/XX/XXXX. I called service department for " CONSUMER PORTFOLIO SERVICES, INC. ; XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXXXXXX '' at XXXX and " XXXX '' said we do not have an account with them per our phone number and last 4 of social. Seeking to have this fraudulent account closed and expunged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have a credit account with PayPal Credit. I have made 1 purchase in XX/XX/XXXX in the amount of {$110.00} while I was out of the country. By the time that I came back to the USA, the XXXX bill was in my mailbox and I paid {$110.00}. After making the payment, I left the country again and could not come back until the end of XX/XX/XXXX due to having XXXX myself then my XXXX XXXX getting XXXX while abroad and my mother getting a XXXX while abroad. When I came back home around XX/XX/XXXX, I saw a bunch of voice mails on my USA phone and mails from Paypal as well as from Synchrony Bank saying that I owe them a balance of {$280.00} as of XX/XX/XXXX. 

Upon calling Paypal, I learned that when I made a payment in XX/XX/XXXX for {$110.00}, it was past due and they had already issued {$29.00} late fee, which I did not know was issued because I made the payment based on XXXX statement. Since then, they have added $ XXXX monthly late fees and additional interest charges each month. So, the initial {$29.00} late fee that was not paid with the payment of {$110.00} snowballed into {$280.00} as of XX/XX/XXXX. 

I should not be paying late fees over late fees. If there was any purchase that I made that I did not pay, I can understand how the fees get added until I make full payment. However, I did not see the statements or calls or voicemails while I was out of the country and a credit company keep adding their fees over their own fees is not right. 

I have called PaypalCredit and asked the fees to be waived considering that total balance on my account is accrued fees and not a purchase and said that I can pay the initial late payment fee since my {$110.00} payment was not received on time. However, PaypalCredit said that they can only waive {$40.00}.

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 monetary relief
Consumer complaint received 2022-07-08 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: MN

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Collection Agency XXXX XXXX  account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a complaint about Fifth Third Bank Credit Card Here is the story, around XX/XX/XXXX, I was going over some papers before discarding them and in the process I found an unopened envelop from Fifth Third Bank with a refund check in the amount of {$72.00} ( XXXX XXXX dollars XXXX cents ) dated XX/XX/XXXX, for a credit I had on my credit card. I immediately called customer service to inquire about what to do, since it was almost 5 years later. After transferring me to several Customer Service representatives, I was told that since the check was not cashed but was too old, they would re-issue a new check and mail it within in the next couple of weeks. 

Almost a month passed when I received a call from Fifth Third Bank from a representative named XXXX ( Ph XXXX ), XXXX XXXX told me I was on a recorded line and I asked her if she was calling about the check that the bank said would be re-issued and she went on to say that the check was cashed and they would be sending me information to that effect. I asked her if they had a copy of the check signed or deposited by me and she said yes. I told her I still have the check in my possession together with the attached letter. She told me information would be sent to me by maiI in that regard. 

A couple of weeks later, I received a big yellow envelope with copies of credit card statements with no further explanation, nor a copy of the cashed or deposited check in question. They sent parts of statement for XXXX and XXXX indicating a {$130.00} payment and a {$72.00} Credit. 

A XX/XX/XXXX to XX/XX/XXXX statement, indicating a {$72.00} Refund bringing the balance to {$0.00}. That statement went from XX/XX/XXXX to XX/XX/XXXX. The check I received is dated XX/XX/XXXX. 

Another statement from XX/XX/XXXX to XX/XX/XXXX showing a balance of {$100.00} for a XXXX charge. And the previous statement took the {$72.00} credit because they had issued the refund check on XX/XX/XXXX, but the check was never cashed since I still have it with me. 

Could You please help me to correct this matter? 

Sincerely ; Fifth Third Bank Customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: AR

Complaint narrative:
XXXX XXXX XXXX My accounts with Edfinancial have been closed and paid in full as a XXXXXXXX XXXX XXXX and total XXXX XXXX since XX/XX/2022. I have never been late or missed any payments with Edfinancial. I have numerous letters from Edfinancial stating this fact. 

I have had over a dozen phone conversations with Edfinancial regarding getting my credit reporting updated since XX/XX/2022, in reference to correcting reporting to all three credit bureaus to indicate that this is fully paid off with a zero balance, closed and all payments on time. Instead of my credit bureaus being corrected, all three credit bureaus are receiving incorrect information from Edfinancial ( for the second month in a row ) stating that I am XXXX days late with XXXX missed payments and very high balances on both Edfinancial accounts which are closed. This has severely impacted my financial status from being able to conduct financial transactions to possibly impacting my credit with any current creditors. 

I am requesting that all three credit bureaus be corrected to show I am in good standing and on time with no late or missed payments and that the balances with both Edfinancial accounts are closed and zeroed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have all evidence for myself if needed from my statements. I made one order from XXXX on Thursday, XX/XX/XXXX. I do not have any other orders displayed on my only XXXX  account after or before this. Ive only used XXXX once and afterwards I started using XXXX. As I go through my statements after being denied a refund from my bank, I see transactions start again in XXXX. I also had {$110.00} worthy of money taken from my purse at work. I never thought to check my cards because I work with teens. XX/XX/XXXX two purchases were made on XXXX. One was for {$68.00} and the other for {$29.00}. Then on XX/XX/XXXX it was {$19.00}. I never even signed up for a free trial with my account. On XX/XX/XXXX I had a {$9.00} transaction for a XXXX XXXX. I had no more charges for food order, but I was charged every month until I noticed the transaction in XXXX for the XXXX XXXX, same amount of {$9.00}. My bank denied me {$160.00} for all unauthorized charges because they were authorized by me or made by someone who had permission to use the card or account. I never gave anything permission to use over {$150.00} of my money. My bank ( Bank of America ) said they gathered information from my merchant, but no food was delivered to my address, there isnt any of these transactions under my account, and I never personally signed a receipt or contract with anyone. You cant assume I let someone charge my card if I say I never did that. I would never let anyone continue to use my debit card for 5 months after I used XXXX only once myself then try to be the money back from my bank. It makes no sense.

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 monetary relief
Consumer complaint received 2022-07-08 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: TX

Complaint narrative:
Hard Inquiries not authorized on my Transunion credit report from XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 ( multiple ) XXXX XXXX XXXX XX/XX/XXXX XXXX multiple ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( multiple ) XXXX XXXX XXXXXX/XX/XXXX ( multiple ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple ) XXXX XXXX XXXXXX/XX/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 2022-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Genesis FS Card services through XXXX XXXX immediately starts calling XXXX XXXX  when you are past due on your payment. They call from a bunch of random numbers. They call as early as XXXX AM and as late as XXXX PM. They call at least XXXX times a day. They are calling my business line and my personal line. They call so much they are knocking important numbers out of my phone that I barely get a chance to save. NONE of my creditors call 1 day past due. XXXX days I get that. But as much as they call. I block numbers and they call from other numbers. They will even call from a number thats in the area you live in to try to get you to answer a call. XXXX over sick of this. I am currently 5 days passed my due date and they have called at least XXXX times already. I will never ever do XXXX with any of these XXXX  again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

Company response to consumer: Closed with explanation