vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: TX

Complaint narrative:
I received a text message ( XX/XX/23 ) that read : Welcome to Unifin! Call us about account # XXXX  at XXXX or at https : //unif.in/act Msg & Data Rates may apply . Reply HELP for help. Reply STOP to stop. 

I have no unpaid debts and have credit monitoring which shows no collections on any accounts associated with me. The accounts with balances that I have are on auto-pay and I just checked to ensure that they still are- they are. So I believe this is a scam or an attempt at harassment. I have also not received any letters through the US mail about debt. I did not reply to the text.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
I paid off an account with AFFIRM on XX/XX/2023. After not seeing it reported correctly in late XXXX, I submitted a dispute with XXXX. I even provided documentation. Affirm certified to XXXX that the info that they reported was correct which showed a balance. I disputed this 5 times with XXXX and all 5 times Affirm certified that their info was correct and not mine. Even with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See attached documents, the personal information you are reporting are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: CORELOGIC INC
State: MI

Complaint narrative:
I contacted Credco regarding their name appearing on my credit report. They stated that they're a third party. The Creditor that is attached to Credco is XXXX Which I never heard of. I am asking for this company to be removed from my credit reports. As I didn't authorize them to run my credit.

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 2023-04-03 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: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

CHILD SUPP Account # : XXXX, XXXX XXXX Account # : XXXX, CHILD SPRT Account # : XXXX, These accounts has violated my rights.

15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-04-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated protected consumer rights to privacy and confidentiality under 15 U.S.C 1691. 

CHILD SUPP Account # : XXXX, XXXX XXXX Account # : XXXX, CHILD SPRT Account # : XXXX, These accounts has violated my rights. 
15 U.S.C 1681 section 602 A states that 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 an account without my written instructions.

15 U.S.C 1681 section c. ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-04-03 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: FL

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

Account name : XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX XXXX, ACCT # XXXX, Account name : XXXX XXXX, ACCT # XXXX Account name : XXXX XXXX, ACCT # XXXX Account name : XXXX XXXX, ACCT # XXXX has 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 : It also states a consumer reporting agency can not furnish an 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 2023-04-03 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: Experian Information Solutions Inc.
State: FL

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

Account name : XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX, ACCT # XXXX ; Account name : XXXX XXXX XXXX, ACCT # XXXX, Account name : XXXX XXXX, ACCT # XXXX Account name : XXXX XXXX, ACCT # XXXX Account name : XXXX XXXX, ACCT # XXXX has 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 : It also states a consumer reporting agency can not furnish an 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 2023-04-03 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: Experian Information Solutions Inc.
State: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX & Account # XXXX XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXXXXXX XXXX  XXXX XXXX Account XXXX XXXX Account Name : XXXX & Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX5 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 consumer reporting agency can not furnish an 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 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 causse to believe that the information is in accurate.

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 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
I was paid my work check from XXXX XXXX XXXX XXXX through XXXX and my account was flagged a money was so called returned. My boss never received any money back to his account where the money was took from. Now I am out of a work check due to Chase Bank And I am having too much of an issue receiving my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
My wife and I were on a mortgage forbearance because of Covid 19. This ended in XXXX and I received a letter stating that our first payment is due XX/XX/XXXXXXXX. On XX/XX/XXXX I called Amerihome to make a payment and was told that they will withdraw the money that day from my checking account, hold the funds and then apply the funds on XX/XX/XXXX for my XXXX payment. 

This is not what happened. They applied my XXXX payment to XXXX even though I didn't owe a payment for XXXX. Now because they screwed up, my payments are a month behind I am getting hit with late fees and and a process server came to my house to serve me papers from Amerihome for non payment. I have been on the phone for hours trying to resolve this issue and I am getting nowhere. 

I called last week to request a written copy of all my past correspondence with Amerihome and was told I should get a copy by email within a few days. Its been over a week now and I have nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. 

As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.

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 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. 

As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.

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 2023-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I got stuck with buying a XXXXXXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. I didn`t get my sales paperwork until two weeks after the sale. I called, and went down with a friend to get the sales paperwork one week later, and was told by XXXX XXXX ; Salesman at XXXX that the General manager, XXXX XXXX father died and that he was in XXXX XXXX XXXX 

When I finally got the paperwork, I looked it over and noticed that they put down ' {$2000.00} in assets ', I have no assets at all. The salesman also put in that I make {$4000.00} a month. I work as a XXXX XXXX XXXX, we never get that amount of money. I was only making {$13.00} an hour. Also, it was written in that I was at the XXXX XXXX for 3 years, I started with them one month before this sale. 

The Healthcare Agency was bout to fire me as well, so I resigned. There is also something about me putting down $ XXXX, that was to get my car back that I drove there in. I have a Lawsuit against XXXX XXXX XXXX for false representation as well as many other items as they had two eeks to doctor up the sales paperwork. 

Wells Fargo should have checked this sale out before lending the money to XXXX XXXX XXXX, so I'm considering a lawsuit against Wells Fargo Auto Finance as well.

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 2023-04-03 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: MD

Complaint narrative:
I did not give a permissible purpose for all of these inquiries. I have notified the CRA. According to 15 USC 1681 section 602 states, I have the right to privacy 15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. Please remove inquiries immediately XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX  XXXX Dispute this XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX  Dispute this XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX MD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,, XXXX, NC XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX Dispute this XX/XX/XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX  XXXX Dispute this XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX, MD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX along with XXXX, XXXX and Trans Union is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from XXXX. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for 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 explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX along with XXXX, Equifax and XXXX XXXX is reporting delinquent for the amount of {$41.00}. This information is incorrect. I never received a collection letter from XXXX. I requested an investigation, and it shows all information is correct, even though it is not, I would like any reporting agencies to provide all information in regards of this alleged debt. Because the information is incorrect this information should be removed for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
Good morning, I've tried to contact HSBC Bank more than 12 times, my money has been blocked, my debit card, which I access online, everything is blocked, I have bills to pay today and XX/XX/XXXX, my rent, all my bills are overdue for cause of HSBC bank please I need urgent help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: CT

Complaint narrative:
I recently changed banks due to the banking crisis and needed to switch my bank connected to Grain for monthly payment. They don't have that ability within the app, so on XX/XX/23 I reached out to customer service to request my bank be changed. 

Customer service responded that in order to change my bank, they needed to know the name of the bank and screenshots of my transactions. I let them know the name of the bank, but did not send screenshots as this company has consistently shown they can not be trusted and I do not trust their representative to have screenshots of my bank account. I have several reports in the past I've submitted regarding their app issues that prevented users from being able to pay their balance. 

The rep tried to explain the rationale behind this, however, in the past they've been able to do this without the extra request. They then also suggested sending in a check, which would be great however this company has no direct phone support and no office I can visit, so I do not trust sending them a check. Grain had major app issues in the past, many consumer complaints and they have no done anything to re-earn trust for me to send a paper check through mail. They've also had other ways to process payments in the past and are pretending they took them away. 

I finally decided it's best that I close this account since I truly do not trust the company. However, they won't even let me pay the remaining balance. Grain is an aggressive, unprofessional company that takes advantage of its lacking app to force customers into pay late fees, reporting inaccuracies on credit reports, and not providing proper ways for customers to pay their balance. 

I want to close my account and be able to pay via a one-time link they've sent me in the past, or to update my bank account and send an electronic payment. Based on this company 's history, that is the only way I feel that my money is safe and protected paying them and they need to honor this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

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