vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I placed an order on XXXX on XX/XX/year> and used Affirm To be able to make payments for the purchase. Before the order shipped I cancelled. Since that cancellation Affirm has contacted me every day via text, email or call saying I owe them {$20.00}. XXXX has confirmed the order was cancelled and never shipped. They said they contacted Affirm and told them this AND I emailed Affirm with a copy saying it never shipped from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I filed a complaint with CFPB originally on XX/XX/2023. A balance transfer was completed on XX/XX/2023 but returned XXXX weeks later on XX/XX/2023 for an unknown reason. As a direct result, I was left with a credit balance that is nearly double the credit limit. 

Capital One was unable to give a sufficient explanation and has since destroyed my credit. I can not qualify for any other type of lending, i can not qualify for any other type of housing and I am primarily paying finance charges each month, rather than making any progress on paying down the principal balance. 

I have called and spoken to Capital One on a number of occasions. I've requested to apply for an increase, a balance transfer, to negotiate a settlement agreement, and a few other suggestions to help pay down the balance I owe. Due to my bad credit score, capital one denies me, regardless of their role in causing my credit score to drop. 

I am barely paying down the principal balance XXXX $ per month, which will take 18 years at minimum. I can not seem to get any assistance to negotiate such an abusive tactic and as a single parent to a toddler, I do not have room in my budget for this. Capital one is using discriminative practices due to my class, gender and familial status in an effort to keep me indebted to them at unreasonably high rates. I also feel that it is an abusive practice to compromise the integrity of my credit score as a way to keep my account with them and collect payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I opened an account with PayPal in order to receive payments from my clients XX/XX/year>. Immediately, PayPal began placing my payments in a hold status. I contacted customer service and first they said it was because I needed complete shipping. I informed them that my clients paid for and received an instant service online, tarot reading. The holding process persisted. Then on XX/XX/year> a limitation was placed on my account where I could not receive any further payments until I provided PayPal with information about my business. I did so. I was told to wait XXXX hours. PayPal then asked for additional information, which I submitted. PayPal released the limitation allowing me to continue receiving payments from my clients, but not allowed to withdraw my funds at all and some of those funds also instantly go into a holding status. It has now been XXXX hours. I have submitted everything that PayPal has asked for and made it clear that they are causing me a great hardship by not allowing me to withdraw my funds. At this point they just continue telling me to wait. I do not have confidence that they will give me access to my funds as I have seen that PayPal has a history of seizing the funds of their clients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
As of XX/XX/XXXX My student loan lender has not reported my loans to the credit bureaus. They informed me that because of a systems transform this information has been lost in the old system. Now as of XX/XX/XXXX I have no credit score. I am currently in the process of pre approval for a mortgage and the mortgage brokers can not pull my credit report. I was informed to Make a consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to this fraudulent item on my report that need to be removed but as of now still have not.

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 2024-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GFS II, LLC
State: GA

Complaint narrative:
As stated in Article 1 section 10 of the constitution *Only gold and silver can be used as that is deemed as lawful money. * With the above statement being Truth. I am no longer obligated to pay a deficiency balance or any remaining balance on the account under the name XXXX XXXX. I have learned recently that this is a legal fiction ( PERSON ) used to contract and do business as such. I am a living being and not a dead corpus. Fraud has no statute of limitations and legal action will be taken if the company ( GATEWAY FINANCIAL SOLUTIONS ) continues to violate my consumer rights. I've given address corrections to the company ( GATEWAY FINANCIAL SOLUTIONS ) for all documents and still have not received any acknowledgement nor consideration of hardship. I have gained full competence to the contract and have acknowledged to the company by way of telephone that my alleged " Debt '' can not be sold nor paid in any future time. If not considered FULL legal action will be taken. I also have asked the company in both of my previous complaints to refund All fiat ( Federal Reserve Notes ) to my accounts as it is not lawful money or legal tender.

Article I, Section 10, Clause 1 : No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with COMPANY NAME. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX years, or both. Provided FTC report and Identity theft police report plus inquiries that were not mine. I have contacted Equifax directly and they ignored my request and reports from law enforcement. Sent disputes letters with every document requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my XXXX XXXX XXXX, and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my XXXX XXXX XXXX and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-15 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: IL

Complaint narrative:
I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.

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 2024-08-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received no information and more contact from these collection companies XXXX XXXX XXXX Account number XXXX Account type Collection Historical info Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX info Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Account info Account nameLXXXX XXXXXXXX XXXX  XXXX Account XXXX Account typeCollection Orignal Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account nameXXXX XXXXXXXX XXXX  XXXX Account XXXX Account typeCollection Orignal Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account XXXX Account typeDebt Buyer XXXX XXXX XXXX XXXX  ( XXXX ) XXXX Address po box XXXX XXXX, SC XXXX XXXX XXXX XXXX KS Account : XXXX XXXX  XXXX XXXX, KS XXXX Phone XXXX XXXX XXXX XXXX ( XXXX ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except

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 2024-08-15 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: IN

Complaint narrative:
-- - **XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Complaint Against XXXX XXXX for Violation of FCBA ( 15 U.S.C . 1666b ) and Incorrect Address Reporting Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX XXXX XXXX for failing to provide mandatory billing disclosures as required under the Fair Credit Billing Act ( 15 U.S.C. 1666b ) and for inaccurately reporting my address. According to my records, XXXX XXXX has my address listed as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, which is actually a mall, and not a residential address. My actual address, as noted above, is XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX. 

For over XXXX years as a client of XXXX XXXX, I have not received the necessary billing disclosures that are legally mandated. This lack of compliance has significantly impaired my ability to manage and understand the terms of my credit. The incorrect address listing has further complicated this situation, potentially affecting my credit and personal records. 

I request that the CFPB investigate these issues to ensure compliance with the FCBA and correct any erroneous information regarding my address in their records. I expect a resolution that includes a correction of my address, a comprehensive disclosure of all past billing information, and an assurance of future compliance with legal standards. 

Enclosed are copies of my communications with XXXX XXXX and any other pertinent documents that support my claim. 

Thank you for your attention to these serious matters. I look forward to your prompt response and resolution. 


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 2024-08-15 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: MO

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. 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 ).

According to 15 USC 1681 5, they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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 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 2024-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited my tax return in to the atm for the amount of XXXX dollars. A receipt came out error they denied my claim XXXX  because they didnt tell me I needed a receipt which I didnt know until a couple weeks prior to my claim.

Company response to consumer: Closed with explanation