vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Let me start off by saying I've had over 30 purchases paid via Affirm with a excellent pyayment history. 
Beginning of XX/XX/XXXX, my company provided perks to purchase appliances. I started adding the item in my XXXX cart but at checkout the XXXX would disappear. However, XXXX does not allow the customer to edit after completing the process. Therefore, I had to cancel the order but Affirm never would process the cancellation in a timely manner. Affirm would hold the canceled purchase so it would accrue interest and have to make a payment or thery will report the customer to the credit bureau.Samsung manipulates the prices and Affirm removes my company discounts to get more money. 
Affirm is a partner of XXXX so they change the cost of the items to fatten their bottom line for themselves.On XX/XX/2024, I called to have Afirm refresh my account because it started asking for down payment in which they had not done before. My company 's employee perks at work program gave me more of a discount than what Affirm and XXXX wanted to. They agree with my company to give their employees discount during this period. Finally, I got a great price but XXXX remove items from the cart when I purchased the items. Again, I had to cancel and start over and again I had to call Affirm to cancel the purchase. I spoke to a representative that did not explain the resolution to me the way the last 3 representative explained. So I asked for a supervisor ( XXXX ) which was very unprofessional and very condescending. As our conversation went on, the call escalated so I asked to speak to another supervisor. XXXX refused and would no longer assist me. On XX/XX/2024, XXXX manipulated my account so I could not process another purchase. Although my credit report is frozen and had been refresh a week before, XXXX refresh it again which made even more difficult to complete the purchase. Now, when I attempted to process ther same purchase, it said your credit report is frozen and asked for a very large amunt down. This is done to discourage me and not try to use Affirm again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Northern Alliance Management, LLC

Complaint narrative:
It as been so long, I don`t have any recollection accept for, XXXX-tire that is all.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-15 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: TX

Complaint narrative:
Ive been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm raising a complaint against Bank of America for their ongoing reporting of inaccurate information on my credit report. Even after multiple disputes regarding this account ( Account Number : XXXX ), they have failed to correct or remove the errors. This false reporting is doing significant damage to my credit score and presenting misleading details to potential lenders, which affects my financial opportunities. I have made numerous efforts to address this problem, including contacting Bank of America directly and reaching out to the credit bureaus. Despite these attempts, there has been no meaningful resolution, and I am becoming increasingly frustrated with the lack of action to fix these mistakes.

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 2024-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent account listed below from my credit report. I am a victim of a data breach, and this account was not authorized by me.

Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have this fraudulent entry removed. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Applied Data Finance, LLC
State: OH

Complaint narrative:
Hello Consumer Bureau- I did apply for the loan for personify loan In which they now advised that my financial institution is not accepting- In which isnt disclosed on their website on which I called they advised to reach out to credit bureau or consumer bureau to have hard inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Recently ordered my XXXX credit reports and Equifax has my name spelled incorrectly with many inquiries showing different companies that I have supposedly made payment too and I haven't for example DBA XXXX XXXX XXXX XXXX, CA. Equifax also shows me employed with Performance since XX/XX/year> and I was actually working for Arizona emissions owned by XXXX XXXX  XXXX ( was fired in XX/XX/year> ) during this time. XXXX XXXX XXXXXXXX is now owned by XXXX or XXXX or XXXX. 
The insurance companies are not all accurate and kinda scary for me. 
Pyramid bank shows that I payed {$0.00} per month for XXXX  months and they continue to send me life insurance policies that they started on my behalf and if I want to sign for continued coverage or to add a beneficiary I may do so.

There are too many issues to address and Im not sure exactly where to even begin. I do have a timeline and Radom events in my memory bank or grey matter that can discussed or possibly brought to surface. This document states not to include personal information such as name etc. I would like to receive a phone call from someone of interest regarding this complaint because I have had XXXX different employers in the past 7 years and have been fired from them all. I would like to have a better acknowledgement as to what's going on and hopefully help prevent fraud or any bad business practices such as XXXX XXXX not having to pay federal taxes or who's reporting what on my credit report. This complaint is all over the place Im aware of that. hopefully someone can help thank you XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand XXXX XXXX to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received mail offers between XXXX and XXXX from Citi Bank for the XXXXXXXX XXXX XXXX card. I decided to apply, since it stated to include 0 % APR for 12 months. In both the personal offer letter and the welcome letter included with my credit card it stated I have personal 0 % APR introductory period for 12 months. I recently moved and dont have a physical copy of either the offer or the welcome letter, considering it was at least two months ago that I received them. I have asked Citi for a copy of my card member agreement but upon request the agent referred me to the general credit card webpage that offers information on ever Citi card. I informed her that credit card offers can be unique to new members and that was the case for me. I knew the card didnt advertise as 0 % Apr to anyone searching for it to apply and that it was unique for being a mailed offer. After explaining it to her she directed me to an area on the website that did not give me the information I was looking for. All of this was through the mobile chat feature. When I called the telephone number the agent I spoke with was argumentatively aggressive and did not allow me to speak with a supervisor. He kept insisting that a supervisor would tell me the exact same thing so I would be wasting my time and theirs. I understand that this bureau can not do anything regarding their attitude towards customer service, I only included how impossible it was to speak with a supervisor to make it clear I have exhausted my options with contacting the company. The APR is variable between 19.9 % and 28 % and these offers mailed out to consumers are predatory. If I use a reference code to apply for the credit card then there should be a record of the reference code.

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 2024-11-15 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I identified incorrect information that requires immediate correction. Below, I detail the inaccurate data that should be removed, along with the correct information that should appear on my report : Incorrect Information to Be Removed : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Current Employer 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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to file a formal complaint against Capital One regarding the recent closure of two credit card accounts, which was the result of a returned payment. I am seeking assistance in resolving this issue, as I believe that the account closures were unfairly initiated due to an honest mistake on my part and do not reflect my usual pattern of responsible account management.

Issue Description : I made an early payment on my first Capital One credit card account that exceeded the minimum required payment. However, I neglected to cancel the auto-pay feature on my second account. As a result, when the auto-pay attempted to process a second payment later in the month, I did not have sufficient funds in my account, which caused the payment to be returned.

Although I understand that returned payments may result in fees and other consequences, I was surprised to learn that Capital One chose to close both of my accounts due to this one returned payment, despite my history of making timely payments. I have been a customer in good standing with Capital One for 1 year and have made payments every month.

Background Information : I have a history of making payments every month to Capital One and have maintained both accounts responsibly until this issue arose.

The returned payment was not intentional, and I have already made efforts to correct the oversight by contacting Capital One 's customer service ( reference any communication with them here if applicable ).

I would appreciate Capital Ones reconsideration of the account closures, particularly given my longstanding positive relationship with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XXXX I received a letter from my XXXX XXXX XXXX XXXX who provides services for my health insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. Below are accounts listed XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: NJ

Complaint narrative:
This debt is considered a charge off. However, this is actually considered income because i should have received a 1099c in order to account for this as income. This is not a charge off. I'm requesting that is removed because it is not debt. This is considered income and income should not be reporting on your credit report. 
Account Name ( XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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.

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 non-monetary relief
Consumer complaint received 2024-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CO

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.

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 non-monetary relief