vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-06 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: NC

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S.C. 1681cXXXX : A Block and remove in XXXX days

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 2022-08-06 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: NC

Complaint narrative:
I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act XXXX XXXX  has violated my rights Regarding alleged 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S.C. 1681cXXXX : A Block and remove in 4 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: FC HoldCo LLC
State: MD

Complaint narrative:
Flagship financial has been harassing me. They call literally everyday XXXX times a day telling me I owe money on a car that I traded in. When I traded my car in at XXXX XXXX XXXX XXXX XXXX I was told it would be paid off. I haven't been in possession of the car since. I've talked to XXXX different people and explained this to them all. I've communicated this through email as well. I am tired of being harrased. They are calling me and my wife who has nothing to do with the car or the loan. I was under the assumption that only I ( the borrower ) could be contacted about a debt owed. Through XXXX XXXX XXXX yall already have possession of the car.

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 2022-08-06 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: OH

Complaint narrative:
Today, XX/XX/2022 I have contacted XXXX to deal with this violation of my rights. 

I was affected by the XXXX data breach and XXXX is in gross violation. Per 15 USC 1681 ( a ) XXXX, XXXX has assumed this vital role without my consent or permission. XXXX did not respect my right to privacy. 

XXXX did not exercise their grave responsibility. XXXX reportings were unfair, partial and unconsensual. XXXX did not respect my right to privacy. 

I never instructed XXXX to furnish this report and I never consented to this report. XXXX does not have permissible purposes as per 15 USC 1681b ( XXXX ). 

These violations are undermining my confidence in the banking system.

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 2022-08-06 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: OH

Complaint narrative:
Today, XX/XX/2022 I have contacted XXXX to deal with this violation of my rights. 

I was affected by the XXXX data breach and XXXX is in gross violation. Per 15 USC 1681 ( a ) XXXX, XXXX has assumed this vital role without my consent or permission. XXXX did not respect my right to privacy. 

XXXX did not exercise their grave responsibility. XXXX reportings were unfair, partial and unconsensual. XXXX did not respect my right to privacy. 

I never instructed XXXX to furnish this report and I never consented to this report. XXXX does not have permissible purposes as per 15 USC 1681b ( XXXX ). 

These violations are undermining my confidence in the banking system.

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 2022-08-06 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern : I sent a complaint on XX/XX/2022 VIA CFPB PORTAL and I have been calling multiple times to have these accounts removed due to identity theft and fraud, and i already sent your company police report and ftc report numbers!! and I noticed my dispute was cancelled and restarted on behalf of YOUR COMPANY EXPERIAN AND THEN TRY TO COVER IT UP BY RESTARTING MY CASE ALL OVER AGAIN, NOW WHEN I CHECK ONLINE I HAVE A COMPLETELY DIFFERENT DISPUTE ESTIMATED COMPLETION DATE, THIS IS NOT TOLERABLE AND ILLEGAL, this case dispute you keep pushing the dates back, NOW YOU ARE SAYING OVER THE PHONE WHEN I CALL YOU NEVER GOT MY SUPPORTING DOCUMENTS PROVING THAT THESE ACCOUNTS ARE ON MY CREDIT REPORT DUE TO IDENTITY THEFT AND FRAUD. I sent a complaint on XX/XX/2022!! These accounts listed below need to be deleted/removed from my credit report IMMEDIATELY FROM MY EXPERIAN CREDIT REPORT!, XXXX HAS XXXX REMOVED THESE ACCOUNTS, WHY IS YOUR COMPANY STALLING AND DISRUPTING MY LIFE!?. I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! THESE ACCOUNTS LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. FTC REPORT NUMBER : XXXX - FTC REPORT NUMBER : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! 
I ALSO SENT THE PROOF AGAIN VIA EXPERIAN.COM/UPLOAD SO YOU DEFINETELY CAN NOT SAY YOU DIDN'T GET IT. Collection Account : XXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. Collection Account : XXXX XXXX  Account Number : xxxxxxxxxxxx XXXX delete it from my credit report. Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. Collection Account : XXXX XXXX XXXX  Account Number : XXXX delete it from my credit report. I WILL ATTACH THESE DOCUMENTS AGAIN FOR THE FINAL TIME SUPPORTING MY CASE!!! Thank you for your time and help in this matter. Sincerely, 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 2022-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Me and my husband are victims of predatory lending. We financed our XXXX XXXX XXXX back on XX/XX/XXXX through Credit Acceptance a month after our bankruptcy was discharged. Both the dealership XXXX XXXX XXXX and Credit Acceptance were aware of the bankruptcy because we told them plus it was on our credit reports. The price of the vehicle, the condition of the vehicle, Credit Acceptance expert knowledge of knowing statically we would not be able to pay the loan back and loan terms are grounds for predatory lending. The condition of the XXXX was in bad condition with work needed to the car within the first 3 months of buying the vehicle. The vehicle seems to have been in a wreck or flood damage prior to purchasing it. The cost of the loan totaled {$20000.00} for a XXXX XXXX that was in bad condition at the time of sell. Credit Acceptance also knew that my husband job status was per diem ( no guaranteed hours at his place of employment at the time of purchase and that I did not have a job at all other than being a Realtor which had no hours and stricly commission based and that my only transition ever was less than {$5000.00} that year. Our bankruptcy was discharged on XX/XX/XXXX a month before the purchase date. Which was strategically done because we went to the car dealership XXXX XXXX XXXX 2 weeks after the bankruptcy with both Credit Acceptance and XXXX XXXX XXXX knowing we had a bankruptcy 2 weeks prior and they gave us the car to drive home that day and asked us to come back 2 weeks later on XX/XX/XXXX without explaining why. Today we understand that we were victims of deceptive, abusive practices and suffer from predatory lending. Credit Acceptance provided an over priced loan for a car in bad condition to consumers they knew could not afford to pay them back. Predatory lending practices, broadly defined, are the fraudulent, deceptive, and unfair tactics used to dupe us into a car loan that we can't afford. Burdened with high car debt, we are straining just to keep up the monthly payments and Credit Acceptance is unwillingly to forgive debt even though they are experts in the lending industry and knew statistically that we would not be able to make off our car loan. This is unfair and deceptive marketing practices, and we deserve restitution as customers. This is a violation of our rights 15 us code 45c states ( b ) Enforcement by the Federal Trade Commission ( 1 ) Unfair or deceptive acts or practices A violation of subsection ( a ) shall be treated as a violation of a rule defining an unfair or a deceptive act or practice under section XXXX ( a ) ( XXXX ) ( B ) of the Federal Trade Commission Act ( 15 U.S.C. 57a ( a ) ( 1 ) ( B ) ).

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 2022-08-06 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: NC

Complaint narrative:
I refinanced my rental property loan with XXXX Bank. I already have XXXX loans investment and personal property loans with them. 

When I refinanced, at that time, they were XXXX & XXXX, and the first mortgage payment was due in XX/XX/XXXX, by mistake, I put XX/XX/XXXX in the auto payment option. 
When I knew my payment did not go, I immediately paid the balance, and now you can see that I have regular monthly mortgage payments. 

I never defaulted on my mortgage payments, If you check my other loan payments, you will see no delayed payment. 

This company should remove/clear the delayed payment from my records as I have paid the balance and I have been paying the monthly payments. 

It was a human error that caused the payment delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/2022, I requested to Affirm a dispute for the loan ID that I mentioned at the beginning. 
On XX/XX/2022, I received a message from affirm asking for more information in order to investigate further, this claim is related to a transaction using a XXXX XXXX XXXX facilitated by Affirm. Affirm informed that the process takes 30 days to come to a resolution. 
On XX/XX/2022, I sent Affirm a text screenshot evidencing my allegations, even because this dispute is related to a XXXX XXXX XXXX Affirm should follow Regulation Z under 12 C.F.R that protects customers per electronic transactions protection. 
On XX/XX/XXXX I sent another email to affirm because they still demanding payment for this disputed transaction and a case is still not open. 
On XX/XX/2022, I sent another message to Affirm because I was notified that if I don't make a payment to Affirm for this transaction I would be reported late to XXXX and until now XX/XX/2022 Affirm hasn't open a claim even though I requested a dispute process to be since almost 2 months ago " 60 days ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: FL

Complaint narrative:
Reporting a credit bureau after several attempts to change my personal and legal information. Equifax lied and send other falsified information to my house pretending they have made changes under my name. Which causes severe damage to my financial and personal information. Now, creditors, lenders, and Landlords soon banks might not be able to verify my personal information. Every other company but Equifax refuses to change the wrong name that they have on file. CFPB advised me that they sent all this information to Equifax yet still Equifax lied both to CFPB and myself the consumer that my personal information was an agent. I have received pushback. An Equifax agent placed me on 30min hold waiting on the supervisor due to pushbacks. Their own system has issues matching my mailing address with my social. I'm very scared that Equifax trying to still my information. Equifax is providing the wrong information to creditors and lenders. Creation defamation of Character puts me at very high risk for someone to still my identity. I have no control over what Equifax is providing. They have hidden my information on their website. Equifax is violating Creditors give reporting agencies inaccurate financial information about you. The investigation needs to be done on Equifax. I believe they are retaliating because of the data breach lawsuit and Now, they are over verifying, and bullying consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I filed a previous complaint ( # XXXX ) still no change. The credit card have not been mailed at the moment. I don't understand the difficulty of mailing the credit card. Now I am going into the three month of not receiving the credit card and the complaint I made through your agency haven't made a difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/22 I had my client send me money through my Venmo. The amount was for {$930.00} and it cleared from her checking account. I sent {$330.00} to my checking account and then attempted to send {$300.00} to another venmo account holder and Venmo froze my account. I have gone back and forth with various customer service specialists and their supervisors everyday since then. I was told that it was most likely frozen because I needed to provide more information to verify my identity ( which I did immediately ) I was told it would take 7-10 business days for the reason why it was frozen in the first place to be determined and my account be unfrozen. It has been 16 business days and I still have {$600.00} in my Venmo that they refuse to allow my to transfer out. The only live customer reps that I have access to speaking to claim they have no way to communicate with the other department who handles this and therefore nothing that they can do. I now believe that Venmo or some 3rd party is scamming me and has stolen my money. I dont know what else to do. This has cost me a huge job that I was supposed to complete because the money sent to me is being unjustly held and my customer has since filed complaints and her Venmo account is now frozen as well. I dont know what else to do in this situation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06 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: NC

Complaint narrative:
From mid XXXX of 2022 to early XXXX of 2022 Equifax just admitted that they gave false scores to millions of people due to there technical difficulties and I was affected. As a citizen and consumer of the United States Of America I have been crippled on qualifying for loans. My claim is under law by consent and privacy for the consumer. 15 US code 1681 under Congressional findings and Statement of Purpose under ( a ) accuracy and fairness of credit reporting under number 4 states, There is a need to insure that consumer reporting agencies excercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent letter to all 3 Credit Bureaus Experian XXXX XXXX In Regards to many fraudulent accounts on my report that I have been attempting to have removed. I have validated all documents and necessary verification information and I am now seeking to have these fraudulent accounts listed below removed from my report. 


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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Experian XXXX # XXXX ( all 3 bureaus ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX ( XXXX & Experian ) XXXX XXXX XXXX XXXX # XXXX ( all 3 Credit Bureaus ) XXXX. XXXX XXXX # XXXX ( All 3 Credit Bureaus ) XXXX. XXXXXXXX XXXX XXXX  XXXX ( All 3 Credit Bureaus ) XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( All 3 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 non-monetary relief
Consumer complaint received 2022-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I wanted to rollover money in an IRA from XXXX Bank to Discover Bank. I submitted the forms sent to me from Discover. I got the check from XXXX Bank. I endorsed the check to Discover IRA account and then everything went wrong. Discover Bank said the wrong forms were sent. I called them. They sent more forms. I called again. They said I did not sign in the right place. They have my deposit for at least 2 weeks, just sitting there and refused to put it into my IRA account. They refused to send me the form back, marking where I need to sign or date. They only will send another blank form. I talked to the supervisior, XXXX who would not put the money into my IRA acct. I have talked to at least 5 different people without resolve. She admits I have gotten the " run around ''. 
I finally said I want the check back or deposit it in my IRA account. She said they will send the ( already endorsed ) check back and I should now contact XXXX bank for a new check. This is preposterous. The forms packet they send consists of 52 pages. No one can decifer what it is they want to open an IRA there. In the meantime, I have only 60 days to do the rollover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: CA

Complaint narrative:
Equifax has openly and continuously discriminating against me as a consumer which is breaking the law. 

Pursuant to 15 U.S Code 1681 ( B ) ( XXXX ) Permissible Purpose. 

( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

- I have not granted nor given written consent for Equifax to Furnish my Consumer report. Neither did I grant permissible consent for them to disclose my personal information. I have a right to privacy. 

15 U.S. Code 1681a - rules of construction ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; -Equifax has a grave responsibility with fairness impartially and respect for the consumers right to privacy. 

Currently through Equifax they have denied me from being able to view in accurately assess my own credit report through equifax.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Credit inquiries were fraudulently made in my name. These inquiries are still on my report after repeatedly disputing with the reporting agencies Equifax and XXXX. The inquiries are as follows : Equifax : XX/XX/202XXXX AN XXXXXXXX XXXX XXXX XXXX # XXXX AN XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXL XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ND XXXX

Company response to consumer: Closed with explanation