vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-11 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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, Affirm was notified via email regarding circumstances beyond my control. From XX/XX/XXXX to XX/XX/XXXX, I was hospitalized due to XXXX XXXX XXXX XXXX that resulted in worsening medical conditions that began to harm my XXXX XXXX conditions. I was literally in XXXX multiple times fighting for my life. During this time, I did not have any access to my cellular phone nor did I have communication with anyone except immediate family. Affirms CEO, XXXX, was made aware of this, and instead of reading my email to understand the circumstances beyond my control, he forwarded the email to a customer service supervisor at his company, and denied the request for a good faith removal of a delinquent payment on my personal credit report. Per the wording of the message received on XX/XX/XXXX, We completely understand when circumstances are out of your control and you may be late on a payment. However, please understand that Affirm has a regulatory obligation to report accurate information to the credit bureau and can only change reporting when an inaccuracy is identified. If I wouldve XXXX in the hospital, I am curious as to how Affirm wouldve been able to collect the remaining funds for my account? The insensitivity is beyond disgusting, as it appears that they think someone is supposed to continue life as normal and pay bills while fighting for their life?? Is this what the world has come to now? Is their CEO that greedy that he cant even remove a delinquency due to circumstances beyond someones control? Ive literally been an on time paying customer FOR YEARS, and never had a PROBLEM PAYING LATE until I WAS HOSPITALIZED!!! All of the accounts were paid on the day of my release, yet I still received harassing phone calls from Affirm ; I had to advise the collections department to refresh their screen and review my account for accuracy. All I received was, Im sorry maam. but in my case, its not good enough. I am requesting a second review and REMOVAL of the delinquency payment since ALL accounts were made current on or before the 30th day or legal action WILL be pursued. 

Disclaimer : DUE TO PUBLIC INTERNET FORM, PRIVACY LAWS, & HIPPA, DOCUMENTATION WILL NOT BE SUBMITTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
XXXX is in direct violation of 15 USC 1692 ( d ) ( 4 ) : The advertisement for sale of any debt to coerce payment of the debt.

According to the FDCA, this is a direct violation of my rights and I am entitled to collect damages, minimum {$1000.00} for every violation that XXXX has committed against me. 
Synchrony Bank has equally violated my rights specifically as it relates to the aforementioned law code. 
I request that the alleged XXXX account ending in XXXX is immediately removed from my credit report. Should a XXXX representative choose to deny this request, you hereby understand and agree that XXXX is liable for the damages that have occurred due to any and all violations committed by XXXX which shall be restored with monetary relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX XXXX  Hey I am authorizing a complaint on my behalf I cant believe you guys are taking advantage of me I am very upset the credit bureaus have not responded to me about my investigation I sent a letter/dispute I need these accounts deleted & updated these are the items I demand to be deleted. 

I demand these accounts be deleted immediately from my credit profile if not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681n. Unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2023-01-11 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: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
There are several accounts still reporting on my credit file that doesnt suppose to be there. I disputed prior and didnt receive information I requested. I would like the followed accounts disputed and removed immediately. After disputing please send me the source and the method of verification showing the date and time the account was verified. Also include contact information on the source of verification for the following accounts : XXXX account was suppose to removed XXXX agreed that this account would be removed due to it being inaccurate XXXX XXXX inaccurate account, account was suppose to be removed last year for inaccuracies XXXX XXXX - there were unauthorized charges in this account and XXXX was XXXX of it and a police report was sent. All of this happened prior to XXXX buying this account in 2022. XXXX never verified that they owned this account either. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX and Equifax is stating that an auto loan on my report is mine and saying that it was verified by the company however I know that is inaccurate. In 2017 XXXX XXXX was taken to court for allowing someone named XXXX XXXX to open an account with a fraudulent signature as a co-signer on my behalf. Ive asked multiple times for both parties to produce a contract showing this vehicle loan is mine. Neither have been able to do so however the information continues to be reported despite being provided COURT DOCUMENTS showing the outcome of the judge agreeing on my behalf and ORDERING BOTH COMPANIES to remove the account from my report. XXXX has also been provided with the court order, ftc report, and police report and once again have neglected to remove the account from my profile. They are in violation of MULTIPLE FCRA infractions as well as contempt of fraud and the neglect of following a court order. My next step is to pursue litigation again XXXX for the frivolous reporting as this is my fourth and final notice. You all can not ignore COURT ORDERED documents you are now in contempt of court and financial relief can be seeked. The refusal to correct information after being provided proof of inaccuracy is a violation of FCRA sections 623, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX and DC NO. XXXX. You all also did not VALIDATE the debt which is pursuant of FDCPA SECTION 809 ( b ). The reporting of my credit history inaccurately is a violation of US Court Of Appeals, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX XXXX You also can not report ANY ACCOUNT TO A CONSUMERS CREDIT THAT HAS BEEN INVOLVED IN LITIGATION. If the situation is not resolved within 30 days following this notice that will also be sent certified mail, the next form of communication you all will need to seek legal counsel as I will be going to court. I am not asking you all to remove this information but requiring you pursuant of the multitude of laws you all have managed to break. The original FTC REPORT DOC # XXXX Was sent to them XXXX via certified mail. The court ordered document requiring them to remove it was sent and NOTARIZED via certified mail and received XXXX. The police report # XXXX has also been sent to them and received XXXX these are all government documents that you all are choosing to purposely ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
Experian and XXXX is stating that an auto loan on my report is mine and saying that it was verified by the company however I know that is inaccurate. In XXXX  XXXX XXXX was taken to court for allowing someone named XXXX XXXX to open an account with a fraudulent signature as a co-signer on my behalf. Ive asked multiple times for both parties to produce a contract showing this vehicle loan is mine. Neither have been able to do so however the information continues to be reported despite being provided COURT DOCUMENTS showing the outcome of the judge agreeing on my behalf and ORDERING BOTH COMPANIES to remove the account from my report. Experian has also been provided with the court order, ftc report, and police report and once again have neglected to remove the account from my profile. They are in violation of MULTIPLE FCRA infractions as well as contempt of fraud and the neglect of following a court order. My next step is to pursue litigation again Experian for the frivolous reporting as this is my fourth and final notice. You all can not ignore XXXX ORDERED documents you are now in contempt of court and financial relief can be seeked. The refusal to correct information after being provided proof of inaccuracy is a violation of FCRA sections 623, Cushman v. Trans , Union Corp. US Court of Appeals for the third circuit court case 115 F. 3rd 220 and DC NO. 95-cv-01743. You all also did not VALIDATE the debt which is pursuant of FDCPA SECTION 809 ( b ). The reporting of my credit history inaccurately is a violation of US Court Of Appeals, Ninth Circuit, No 00-15946x Nelson V Chase Manhattan XXXX You also can not report ANY ACCOUNT TO A CONSUMERS CREDIT THAT HAS BEEN INVOLVED IN LITIGATION. If the situation is not resolved within 30 days following this notice that will also be sent certified mail, the next form of communication you all will need to seek legal counsel as I will be going to court. I am not asking you all to remove this information but requiring you pursuant of the multitude of laws you all have managed to break. The original FTC REPORT DOC # XXXX Was sent to them XXXX via certified mail. The court ordered document requiring them to remove it was sent and NOTARIZED via certified mail and received XXXX. The police report # XXXX has also been sent to them and received XXXX these are all government documents that you all are choosing to purposely ignore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11 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: Harley Davidson Financial Services Inc
State: KS

Complaint narrative:
Improper use of my report. In accordance with the fair reporting act this creditor has violated my rights, under USC1681 sec 602 ; states I have the right to privacy. 15USC1681 sec 604A sec 2, also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer creditor as late for any purpose. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/XXXX days late XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX {$420.00} XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX {$260.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$110.00} XXXX individual charges for the same thing XX/XX/XXXX {$510.00}, {$200.00}, {$190.00}, {$190.00}, {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: AR

Complaint narrative:
Credit collection services is in Violation of my privacy. 
pursuant to 15 usc 1692e ( 11 ) I never received any notification or certified mailed documentation from Credit collection services about the alleged debt they are trying to collect on. This is the third time this corporation has tried to collect an alleged debt from me. The previous 2 were in fact deleted. A deletion is basically admitting your at fault.

cCedit collection services are in violation of 15 usc 1681 due to obtaining my non-public personal information.

Due to receiving text messages I did not opt into Credit collections services is in violation of 15 usc 1692 ( d ) ( 5 ) This company has defamed my character I have not been able to obtain anything I extend my credit to due to this corporation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
i was approved XXXX XXXX starting XX/XX/XXXX for XXXX  months the first check was sent out on the XX/XX/XXXX the second one was on XX/XX/XXXX have called and put in a ticket and a complaint with both sending and receiving companies XXXX and XXXX XXXX  now told to put in a complaint with you if you can assist i would greatly appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXX phone calls were made to Navy Federal Credit Union at around XXXX XXXX to question why money/funds were not returned back to Savings Account by Navy Federal Credit Union as required with a service offered by them known as XXXX XXXX XXXX XXXXXXXX XXXX XXXX transaction date of XXXX XXXX. An amount of {$8.00} was transferred from XXXX Account XXXX XXXX XXXX Account on XX/XX/XXXX. The amount transferred was the XXXX  payment towards the XXXX XXXX Account. Initially, the XXXX  customer representative spoken to acknowledged that there was an amount of {$8.00} which was transferred and paid towards the XXXX XXXX Account, and that the reason why it was not released or returned to me is because the transaction was identified and categorized as a different type of transaction. I was placed on hold so that she would resolve the matter, but the phone call was disrupted by a concluding automated survey. 

An attempt to reach out to Navy Federal Credit Union again was made on same date of XX/XX/XXXX at around XXXX XXXX and spoke to a XXXX  customer representative. The XXXX  customer representative claims that due to having numerous transactions on account, she assumed it would be difficult to see the release of the funds. There is no proof that there was a release of funds or return of funds and a request was made to the second customer representative to provide such proof because there should be for documentation purposes to have proof that there was an equal exchange between lender and borrow. The second customer representative dishonored the request. Therefore a request to speak to the supervisor was made. 

The second customer representative on the same phone call transferred the concern and subject matter of this complaint to the supervisor as requested. It was explained to the supervisor the concern of the funds not reflecting on the savings account after payment towards the XXXX loan. The supervisor claims the money has been released and it may not be able to be seen due to the " high amount '' of transactions within that time frame. This information is conflicting due to the fact there is no proof that there was an increase in the savings account balance where Navy Federal Credit Union was to return the funds owed. A request for confirmation of the funds that certifies that the funds were returned or released was made and the supervisor dishonored and refused request. The supervisor unprofessionally goes on to threaten the consumer that she will be hanging up the phone due to her inability to fulfill her fiduciary role as XXXX for the Consumers account, which includes providing proof or confirmation of funds ever being released/returned to the consumer as obligated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells fargo told me there was an issue with my check, and they deposited my check of XXXX $ and did not return the funds to me after they closed my account. They also didnt provide proof that the funds were returned to bank issuing the check. 

Wells Fargo XXXX XXXX told me they needed a notarized lettered. 

I have provided a notarized letter from the maker saying this check is legit and sent to me Loss prevention then said they want their makers bank to file a claim to get the funds back. 

the maker called their bank and their bank says they cant file a claim on a cleared check Please tells Wells Fargo to send me the funds back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX, I was home with a broken left leg and fractured knee cap, and put in an online order for XXXX home delivery. This charge shows up on my account. I disputed such as I was not able to be physically present at XXXX. Chime continues to say that they are " researching '' this and has refused to even offer a temporary refund since XX/XX/XXXX. I have had my debit card replaced twice. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11 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: GA

Complaint narrative:
Equifax will not be satisfied until I move forward with litigation so this will be the XXXX and final attempt in fixing this matter. XXXX XXXX is being reported as open which is inaccurate this account has been closed since XX/XX/2021 which you can find attached to this complaint. Since XXXX of 2021 theyve been reporting a past due balance of {$1100.00} which is also inaccurate this account has also been paid off XXXX XXXX which you will also find attached and can find yourselves in violation of XXXX XXXX XXXX XXXX XXXX, NO XXXX for inaccurate reporting as well as FCRA SECTION 623 for failure to report this account as disputed on my report as well as the same legal jurisdictions for failure to correct inaccurate information after being provided proof. XXXX XXXX is reporting XXXX late payments on my account which is also inaccurate and you can find yourselves in the same violations listed above as you all were provided evidence showing otherwise. However as neglectful as you all have been Im sure it has been overlooked and once again is attached to this complaint. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are fraud and has been included in both a police report and ftc report. You can XXXX which violations you all have once again managed to pro-cur for reporting this information to my credit report. I expect the information above update or removed in accordance with the information I have provided thank you.

Company response to consumer: Closed with explanation