vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  Balance details Paid off- Balance - Balance updated - Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX details 0 % paid off Balance {$400.00} Balance updated XX/XX/XXXX Original balance {$340.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX Important dates Inquiry dateJun XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX XXXX  Important dates Inquiry dateJun XXXX, XXXX Removal XXXX XXXX XXXX Important dates Inquiry dateDec XXXX, XXXX Removal XXXX XXXX XXXX XXXX XXXX Important dates Inquiry dateJun XXXX, XXXX Removal XXXX XXXX XXXX & XXXX XXXX Important dates Inquiry dateOct XXXX, XXXX Removal 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 2024-02-20 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: CA

Complaint narrative:
XXXX XXXX XXXX  Balance details Paid off- Balance - Balance updated - Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX details 0 % paid off Balance {$400.00} Balance updated XX/XX/XXXX Original balance {$340.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$400.00} past due as of 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
On Wednesday, XX/XX/XXXX I was invited to a XXXX  call to learn more about an e-commerce course. I have the persons name who it was and he wanted me to give them the last four of my social to see the prices. I did not give them my bank account so I didn't think I would have to pay anything so I was impaired on what was going to happen. They then opened an Affirm account with a loan of {$1800.00}. I contacted Affirm and they said I would have to contact the merchant. So I contacted the merchant called XXXX and they said they don't do the loans and to contact Velocity which is the e-commerce course the zoom call was about. I contacted them and they never emailed me back. Today on XX/XX/XXXX Affirm sent me a email saying XXXX confirmed my loan. I am trying to do everything I can to remove this loan from my Affirm account and prevent anyone from opening a line of credit in my name. I have also filed a police report and taken every action that they wanted me to take. I have all receipts of emailed and police reports filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: AL

Complaint narrative:
I affirm, under the penalty of perjury and the laws of the United States, that the preceding statement is accurate to the best of my knowledge. Furthermore, I confirm that I am legally authorized by both federal and state law to submit this dispute. I acknowledge that any deliberate misrepresentations or omissions of material facts are considered federal criminal violations, punishable under 18 U.S.C. 1001, and can also be punishable as perjury under 18 U.S.C. 1621.

The item identified in my credit report is not associated with any transaction I have conducted. I assert that an individual or entity, without my consent, utilized my personal information to procure goods, services, or funds, resulting in the creation of this account. The inclusion of this account by the debt collector violates my rights and has led to personal distress and damage to my reputation.

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 2024-02-20 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: VA

Complaint narrative:
My identity has been compromised since before 2008 when I was XXXX  for 4 years and people were opening accounts in my name and it has not stopped since. I really noticed the extent when I went to file taxes and they said someone already filed in my name. Also XXXX XXXX, and who know what else that I have-not found or seen yet.

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 2024-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX XXXX of our customers contacted us asking if we changed our ACH information. We had not changed any information, and asked to have them send the email. It looked like it was from one of our Salesmen, but it was not from him. The PDF they attached had pieced together information, such as a chopped off letterhead and basic details such as names and phone numbers. The " new '' ACH information was to be sent to Chase Bank and had their account number. I decided to call Chase Bank to have this account flagged and hopefully shut down. 
The Chase Bank account is someone trying to commit wire fraud. 
I called Chase Bank and they told me that since I was not the owner of the account they could not provide any information, and that there was nothing they could do. 
They refused to give me any information, such as a name for the account and refused to even attempt to stop the fraudulent account. They did not even try sending the account to be reviewed. 
They are completely fine with allowing fraud and basically told us too bad for you we are going to allow this person to commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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 2024-02-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I CURRENTLY HAVE STUDENT LOANS AND I AM TRYING TO ENROLL IN THE IDR PLAN. BUT MY APPLICATIONS KEEPS GETTING REJECTED. I APPLIED 4 TIMES. FIRST TIME I APPLIED ONLINE AT FASA.GOV. AND I DID NOT SUBMIT MY PROOF OF INCOME SO IT WAS REJECTED. THE SECOND TIME I APPLIED OVER THE PHONE WITH NELNET REP. SHE SUBMITTED MY APPLICATION AND INFORM ME THAT I DID NOT NEED TO SUBMIT MY PROOF OF INCOME. ( I THOUGHT THAT WAS ODD ) SO I RECIEVE AN EMAIL THAT MY APPLICATION WAS ON HOLD. I CALLED NELNET AND THEY DID NOT KNOW WHY MY APPLICATIONS WAS ON HOLD. LATER DURING THAT CALL, THEY TOLD ME IT WAS REJECTED AGAIN. SO, THIS TIME I SUBMITTED MY IDR APPLICATIONS ONLINE AT NELNET.COM WITH MY PROOF OF INCOME. NOW I GOT ANOTHER EMAIL STATING THAT MY APPLICATION HAS BEEN REJECTED BECAUSE I AM MISSING PAGES. SO, I CALLED NETNET AND THE REP TOLD ME THEY DO NOT KNOW WHAT PAGES I AM. THE REP ADVICE ME TO SUBMITTED ANOTHER IDR APPLICATION AGAIN. THIS IS THE FOURTH TIME. I REALLY NEED HELP! I AM ON A STRICT INCOME AND JUST WANT THE LOWEST MONTHLY PAYMENT AS POSSIBLE. THE NELNET REP HAVE BEEN GIVING ME THE RUN AROUNDS AND I REALLY DON'T WANT MY APPLICATION TO BE REJECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
I tried to use the atm to withdrawal money from my account on XXXX/24. ATM responded on a receipt unable to process transaction please contact your financial institution for more information. Contacted them and they said they are seeing nothing on their end to try again in an hour. It is now XXXX/24 and my card is still not working. I can not even check the balance at the atm at this point. I have {$1700.00} dollars in this account. My husband has an account with them as well since we had our baby XXXX24. He is having the same issue and receiving the same response of everything is good on our end please try again later. Collectively we have about {$3000.00} on both cards.Ive attempted to use my card on XXXX and it is getting declined as well. Attempted to make a rent payment and that is also getting declined. My daughter needs formula and diapers. I am severely stressed over this situation and keep getting nothing but the run around everytime I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NV

Complaint narrative:
XXXX of XXXX, I received a Final Notice ( first interaction ) from XXXX about an outstanding balance of {$530.00} for a policy that was canceled, but the address on the letter was incorrect with my correct name. I've also never worked with XXXX. It had moved to collections and XXXX XXXX XXXX was calling me and sending letters as of XX/XX/XXXX, so I both faxed and told them over the phone this was not a debt I recognized and was not mine on XX/XX/XXXX. I also sent a letter requesting proof of validation XX/XX/XXXX. Time passed with no responses, so I ended up reporting it online to the FBI and on XXXX, on XX/XX/XXXX and reached out to XXXX and sent them those reports. Then they ( XXXX ) told me they had closed the account but couldn't give me any documentation on the account. They were able to tell me the policy was started on XX/XX/XXXX online. Now, a company called Viking Services has been calling me since the issue with XXXX, but they told me on XX/XX/XXXX that there are now two different debts under my account. One is for {$1200.00}, and another for {$410.00}. I am not sure which is for what, but they were able to tell me one was from a rental with XXXX, which I have also never used. I asked them to send proof of this debt, and when they confirmed my address to send, the address they gave was not mine and was in a completely different state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
Roundpoint Mortgage Servicing Company ( SC ) owned by XXXX XXXX XXXX XXXX ( MN ) failed to pay my Homeowners Insurance ( XXXX FL ) causing the policy to lapse. The insurance company will not reinstate my policy. I received a notice in XXXX 2024 that my insurance payment had not been paid. I engaged both the mortgage company ( Representative XXXX in the insurance department ) and a woman at the insurance company. We had a three way conversation in which the insurance company provided XXXX the overnight payment address. XXXX told us both that he would request a manual check and overnight the payment. Obviously this never happened as my policy was cancelled for Non-Payment. The consequence of Roundpoint not following through with payment has caused me stress and XXXX that has caused me extreme distress. I called for several insurance quotes today and was told no one would insure me because of the lapse in coverage. I also called Roundpoint twice today. The first time they said my call was 69 in queue to be answered I requested that I be called back when I my turn was first in the queue. That call never came. I then called back and was informed that my call was 339 in queue. How does this company get away with this? So then I called XXXX XXXX XXXX the owner of Roundpoint Mortgage. My call was promptly answered by a woman named XXXX. XXXX took down the gist of my complaint and said " someone from her Matrix team would call me back. I am still waiting for this call

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 2024-02-20 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: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
See document attached

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
CONCORA CREDIT ( /Milestone Mastercard XXXX at XXXX -- XXXX XXXX XXXX -- XXXX XXXX Oregon- XXXX is concurrently UNLAWFULLY & ERRONEOUSLY WITHHOLDING MY ALREADY POSTED & PAID CREDIT CARD FUNDS ( for up to 14 days ) & the Account Managers STRANGELY stated to me that my FUNDS would NOT be available until AFTER XX/XX/XXXX. On XX/XX/XXXX, I made a payment to Milestone Mastercard / Concora Credit in the amount of {$540.00} & another payment of just over {$49.00} on XX/XX/XXXX XXXX which have both already posted from my LOCAL Checking account -- ( & NOT some foreign- " overseas '' account ). Furthermore, this is the same Checking account in which I have been using ever since I obtained this Credit Card in XXXX, yet Milestone Credit Card Company stated to me- over the telephone that I SHOULD NOW USE XXXX- INSTEAD OF MY CHECKING ACCOUNT, or they may choose to AGAIN- UNLAWFULLY withhold my FUNDS for up to 14 days. I suspect that it is possible that some nefarious- de facto- government agency contacted & instructed this Credit Card Company to SABOTAGE me & WITHHOLD my FUNDS & erroneously report my credit balance as negative- for the last 2 months in a row. I was disgustingly on the telephone with a couple of Concora Credit- ACCOUNT MANAGERS & staff for over 2 HOURS on XX/XX/XXXX XXXX obviously trying to resolve the ILLOGICAL ISSUE.. Therefore, WHY THE XXXX WOULD A CREDIT CARD COMPANY NEED OR EVEN WANT TO HOLD MY FUNDS FOR UP TO 14 DAYS- ( with ALL of their money ) EVEN WHEN ALL I HAVE DONE IS PAY ON TIME- from a LOCAL Checking Account & THEN THEY HAVE INTENTIONALLY REPORTED WHAT LOOKS TO BE A " NEGATIVE '' BALANCE ( the minus symbol ) ON MY CREDIT REPORT for XXXX & XX/XX/XXXX. Consequently, I now feel convinced that Milestone Mastercard was instructed & possibly PAID OFF- to SABOTAGE me & WITHHOLD MY FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl,XXXX To whom this may concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report and discovered that late payments are being reported on my consumer credit file. Im not sure if you may know, but you are violating my consumer laws by reporting this information per XXXX laws. 

These are the consumer laws that are being violated : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

I would like all late payments to be changed as either : Pay as agreed OR Ok Please send the updated information to my mailing address listed above. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation