vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 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: NY

Complaint narrative:
XXXX Bank XXXX XXXX XXXX  / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXX XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have violated my rights. 

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

15 U.S.C 1681 section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX Bank XXXX XXXX XXXX / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX / $ XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXX XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have violated my rights. 

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

15 U.S.C 1681 section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT 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 explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT 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 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 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX Portfolio recovery / XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have violated my rights. 

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

15 U.S.C 1681 section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Co LLC
State: IL

Complaint narrative:
I was never notified of my balance owed to the apartment complex ( XXXX XXXX XXXX Apartments ) I moved away from. In the statement they provided the debt collector, false information was included. 
XXXX alleged that I did not provide proper notice nor a forwarding address, which is false. Pictures attached of my conversation with the XXXX at XXXX providing notice of my move in XXXX, 2022 as well as my forwarding address are attached. 

At no time did XXXX send me a statement showing I owed them a debt. My account was sent to collections without even knowing I owed a debt to begin with. 

Additionally, the holdover fee mentioned in the paperwork was unable to be paid as the XXXX XXXX did not update XXXX to reflect this amount was due. I attempted to pay this, the system would not let me as it was more than the amount I owed in the system. I asked for help on how to pay and never received a response. Those pictures are attached. 

I disputed the debt with the debt collector ; however, they did not followed up with the status in a timely manner and it has negatively impacted my credit report. I should not even owe this debt to begin with, given I never received a statement that I owed anything prior to being sent to collections and XXXX had my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
XX/XX/XXXX I purchased furniture from Interior Define for a total of {$10000.00} on XXXX. 
At the time of purchase they informed me, I must pay in full or finance with Affirm. I chose to finance with affirm. I chose to have the payments withdrawn from my XXXX checking account. The monthly payments were {$850.00}. I chose to make a lump sum payment on XX/XX/XXXX of {$5200.00}. Due to this payment, my payments didn't resume until XX/XX/XXXX ( I stopped further ) payment on XXXX, XXXX. So to date I have paid a total of {$6100.00}. 

In response to my email to Interior Define, they respond to me on XX/XX/XXXX that my order was never processed and it halted business on XX/XX/XXXX. 

Affirm responded to an email from me on XX/XX/XXXX, to say they will contact me with an account update as soon as possible. 

I would like an immediate and timely response. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Bright Capital Inc
State: DC

Complaint narrative:
Over the course of last year XXXX XXXX has taken over {$8000.00} of my money into a rainy day fund. However I have not ever been able to take the money out of their account and transfer the fund back to my bank account. I closed my account last XXXX and since then I have not been able to access my online account or get anyone to respond to me via email or their live chat feature. They are holding over {$7000.00} of my money XXXX and multiple attempts to reach their customer service have been met with silence. It has been months since they took out and kept my money and I am in desperate need of the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I keep receiving Invitations for my deceased husband to apply for a XXXX credit card. The company 's XXXX service is being supplied my late husband 's credit information from TransUnion and XXXX. I reported my husband 's death and sent confirmation in 2021 not only to XXXX when closing his account, but also to the three main credit-reporting buraus. I also placed a permanent freeze on his credit bureau accounts, so why do I continue receiving offers in the mail? Does a credit freeze and death notification mean anything these days? This has to stop, and these companies must be penalized. These nefarious practices from which they profit lead to credit fraud and ID theft.

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 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On or about XXXX of XXXX, through collection calls and XXXX mail , we became aware First Citizens Bank XXXX XXXX ) XXXX they had not received our Mortage payment, acct ending in ( XXXX ). We contacted XXXX bill pay and the check had went out more than XXXX days in advance of the XXXX of the month late date. In a panic, my wife sent another check. We continued to receive collection calls and XXXX continued to allege they had not received the subsequent checks. Long story short, we sent nearly XXXX in checks that were subsequently all found and cashed on the same day by XXXX paying our mortgage up months in advance and overdrawing our account. Our investigation through calls to XXXX employees revealed the checks had been " on a desk '' or " in a mailbox '' and not processed in accordance with policies. The employee apologized to us for the clear error on XXXX part. Fast forward to XXXX, when we are again due to resume payments, and it's happened again. More collection calls, letters, but this time on XXXX of our accounts ( XXXX ) and ( XXXX ). When I insisted with the collection agent that I was not going to do anything until XXXX, and the problem was with XXXX XXXX, the next business day, both payments were posted and back dated to XX/XX/XXXX indicating XXXX had received both of the payments on time and XXXX issued a reversal of fees and payment on its own, indicating again an error in processing in a timely manner. As of XX/XX/XXXX, my account reflects past due again, even though I know the payment was sent via my banks bill pay more than XXXX days ago. This happens month after month. The emotional distress this has caused me and my wife is great. The harassing collection calls and letters, when we know the payments are just sitting on someone's desk is maddening. This seems to be a repeated pattern of behavior culminating in needless stress and harassment of XXXX customers. XXXX has taken no action over XXXX months to resolve the issue of their systemic processing failures. XXXX continues to purposefully victimize its clients knowing the failures are their own and knowing clients have no recourse due to current mortgage rate environment. Thusly, customers are forced to suffer abusive collection practices, even though payments have been sent timely. I request an audit and investigation into the XXXX offices mortgage processing practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Commentity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


I

n accordance with the fair credit reporting act these companies ( accounts ) have violated my rights.

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

15 U.S.C 1681 section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My home was foreclosed in 2009 and I was denied a modification for my home in XXXX XXXX XXXX. But the house in XXXX  was approved for a modern. I am the same person with the same credit scores. In my opinion I was denied in XXXX because I had equity in the home. While the XXXX  house was under water. It cost me a fortune to get back up to date with all the fees and other costs

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 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/2022, I went to XXXX, WA branch of Chase bank to wire transfer money to XXXX. I wanted to send my sister XXXX XXXX yen, thus I asked bank agent is there any fee incur her to receive. He found out that XXXX XXXX yen would be charged, so I added XXXX. XXXX XXXX XXXX equaled {$430.00} at the day 's rate. I also paid {$50.00} transfer fee. At the end I paid Total {$480.00}. I let my sister know I sent her XXXX plus receiving fee of XXXX so she wouldn't have to pay any fee. 
However my sister only received only XXXX XXXX yen. She asked her XXXX XXXX the reason, Bank told her that they received only XXXX, the document showed XXXX was already taken as fee. XXXX XXXX said they charged fee of XXXX yen for my sister to receive. I also called the bank and talked directly several time. They explained money arrived Chase Japan and go through one other bank before come to their bank, however none of them charge fee. So XXXX has to be taken at Chase. I received copy of the documents from XXXX and emailed them to Chase agent. I went to Chase XXXX 4 times to discuss and called XXXX to dispute, but they do nothing, Chase had been insisting that the document indicate they sent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I contacted Equifax Inc. via United States Postal Service to investigate and validate accounts that were placed on my credit report. 

These letters were sent on : Wednesday, XX/XX/2022 Monday, XX/XX/2022 Please note that I did not receive a response from Equifax Inc. within the 30 day period of each of those letters. However, on XX/XX/2022, I received a letter from Equifax Inc. requesting that I forward them 2 forms of items to idenify myself. 

I forwarded them a copy of my social security card and NJ driver 's license on Thursday, XX/XX/2022 and have not heard back from Equifax Inc. to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX and XXXX / XXXX / {$420.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 

XXXX XXXX XXXX XXXX XXXX Bank / {$250.00} / XX/XX/XXXX No contract with this company. debt was paid and sold without my knowledge. NO CONTRACT = No longer my responsibility. 


In accordance with the fair credit reporting act these companies ( accounts ) have violated my rights.

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

15 U.S.C 1681 section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
The company is not being truthful! I ask for a judgement against the company for {$600.00} plus daily interest, plus punitive damages! Reason : the statement that I attached shows all the purchases plus payments! And their voice robot message that I attached, states the truth! Therefore, I pray for the company to pay me what I hope they ignorantly stolen!

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My XXXX XXXX is wrong I should scores already because I don't see nothing on my reports.

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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit score is wrong I should scores already because I don't see nothing on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They were taking overdraft fees, limited balance fees and extra ATM fees

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 2023-01-19 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: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 5 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C 1681 604A Section 2 states a Consumer reporting agency can not purchase an account without my written instruction. These are not my accounts and I did not give written instruction. 

1. ) XXXX XXXX # XXXX This is not my account. 
XXXX. ) XXXX XXXX Account # XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX Ohio Account # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX Account # XXXX This is not accurate. In XXXX, I paid {$1000.00}. In XXXX, I paid {$500.00}, in XXXX, XXXX, XX/XX/XXXX In XX/XX/XXXX, I paid {$500.00}. They refuse to update the balance on my credit file. I have my receipts of all payments ; however, they refuse to update my balance on the receipt also. I am not going to continue paying until they update this balance on my credit. It is negatively affecting my credit very bad, and I am working on fixing my credit. If they don't update, I will stop paying it and we can go to court. 
XXXX. ) XXXX XXXX XXXXt # XXXX Also, there are hard inquiries on my credit file that I did not authorize. I attempted to resolve them with the Credit Reporting Agency, ( Equifax ) to no avail. They have refused to remove these inquiries that I did not authorize and it is negatively affecting my credit file. : XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX Bank XX/XX/XXXX XXXX. ) XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed XXXX XXXX XXXX collection account with Trans Union, XXXXXXXX XXXX XXXX All three reporting agencys are still reporting the account accurate. I send all three agencys the receipt from the medical provider Preferred Imaging showing a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 non-monetary relief