vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I order some shoes from XXXX XXXX AFFRIM PAID THE LOAN SHOP PAY I NEVER RECEIVED THE ITEM I ASK THAT THEY OVERNIGHT THEM I PAID EXTRA THAT WAS LAST YEAR STILLN TO THIS DAY NEVER WAS PUT IN MY HAND THEY CHARGE OFF I PAID IT {$440.00}. THE LAW STATES I NOT RESPONABLE FOR A DEBT I DONTB MAKE OR RECEIVED THIS WOULD INJURY I CONTACT THEM MANY TELLING I NEVER RECEIVED THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Wells Fargo Bank XXXX XXXX. take actions which violated consumer financial laws, including engaging in deceptive acts or practices. see link : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-sues-united-holding-group-affiliates-owners-for-illegal-debt-collection-practices/

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 2022-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: MI

Complaint narrative:
I sent out a letter to Receivable Performance Management on XXXX XXXX, 2022, requesting that they cease and desist from communicating with me about an alleged debt, I have attached the letter that I sent. 
I have not received any response and it has been over 30 days, under the FDCPA. This debt collector has failed to comply with the provisions of this subchapter, 15 USC 1692.

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 2022-03-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/2021, I always got paper statements on this account. Once I paid it, I didn't receive another bill, but shortly after, I got a 30 day late on my credit report. When I called to check what was going on, they said I had an {$8.00} interest charge on the card that wasn't paid. I begged for this to be removed - there was never a bill stating I owed anything else, as I of course would have paid it. This was such a small amount and this is the only negative mark on my credit report. I have had this card for over 14 years and NEVER been late. I was never notified that I owed anything else and I tried to work with them on this and they wouldn't do anything. To top it off, I paid this card in full during the pandemic. I can't believe i was penalized during this time of crisis in our country. It is effecting me in every way today.

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 2022-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
There are 4 payments that are counted as " ineligible '' from FEDLOAN towards my loan forgiveness program. It was during the grace period/forbearance period at the beginning of medical residency. I believe these should count.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: PA

Complaint narrative:
according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted XXXX equifax or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX  XXXX, XX/XX/XXXX of listed late payment 2. XXXX XXXX XXXX XXXXXXXX of XX/XX/XXXX listed late payment 3. XXXX XXXX XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2022-03-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

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 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Dynamic Recovery Solutions, LLC
State: NY

Complaint narrative:
XXXX Bank purchased my credit card debt from XXXX. 

XXXX told me that a sheriff was going to come to my home and work to arrest me for my debt in 2019. I did not know that they were not allowed to do this so I am reporting it now. 

My debt was settled in 2019 however XXXX sold my debt to Dynamic Recovery Solutions and now Dynamic Recovery Solutions is calling my brother for window processing? 

This open account is also on my XXXX credit report. This account has been closed for 3 years this is affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
SCAM ALERT/ Fraudulent merchant We made a purchase online with a merchant named " XXXX XXXX '' in the end it turns out this merchant is a fraud. I will attach documents to this complaint. My issue is I NEVER RECEIVED THE ITEM I PAID FOR. 

I contacted the credit card company to assist. they initially gave me a credit. after 60 days my credit card company re charged me the original amount. 

The merchant responded but did not provide proof so my card was recharged. 

Now the details .... 

On XX/XX/XXXX we made an online purchase at " XXXX '' website which was operational at the time. 

We received a confirmation of the order being placed in the amount of {$70.00}, XXXX # XXXX was given. 

On XX/XX/XXXX we emailed " XXXX '' to get an update on order. we did not receive a response. We waited until XX/XX/XXXX and sent a 2nd request to the email address. Still no response. 

On XX/XX/XXXX I called Barclays Bank Credit card ( My credit card ) alerting them that i have not been successful in resolving my issue. I explained to Barclays the order was not delivered and I was not able to reach the merchant. Barclays provided me with a temporary credit while reviewing the dispute. 

On XX/XX/XXXX i called Barclays to ask about the charge on my account for XXXX XXXX for {$70.00} I was told that the merchant provided " Proof '' of my order. Barclays also stated they reached out to me on XX/XX/XXXX. I do not recall any receipt of a call or email on this date. I have reviewed my call log as well as my emails for XX/XX/XXXX. Anyway, I noticed the charge on XX/XX/XXXX. I called Barclays, they stated they attempted to reach out and they stated the charge was being reapplied. I was told i needed to submit a request for an appeal. within a week i received a packet from Barclays with a letter and copies of documents from the merchant. I was told My response had to be returned within 10 days of the date of the letter dated XX/XX/XXXX. I faxed them my response to reopen and reinvestigate on XX/XX/XXXX. The website no longer exists. 

Barclays put the burden of proof on me. However, the information provided by merchant to Barclays only shows the order was received and paid for. I DO NOT see any proof of shipping/tracking or delivery of the item paid for. I have attached all supporting documents I have which was also provided to Barclays. At this point, I am out money and do not wish to receive the item even if available. I want my money back please. 

Thank you for your time.

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 monetary relief
Consumer complaint received 2022-03-15 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: TX

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TX

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity 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 non-monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2022-03-15 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: TX

Complaint narrative:
I was never properly notified of my debt of XXXX. I was only notified once it hit my credit report and I promptly paid it off so I wouldnt damage my score any further. Berlin Wheeler Inc. sent a letter to the wrong address with the wrong name. Berlin Wheeler Inc. stated that on XX/XX/XXXX they sent a letter to my father. On XX/XX/XXXX I was still a service member serving on XXXX XXXX, Ca. I was also told by Berlin Wheeler Inc partner XXXX XXXX that they would contact me via email and it never happened.

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 2022-03-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello, On XX/XX/2022, I was contacted by a friend via XXXX. She talked about an investment opportunity called " XXXX XXXX '' and talked about how it worked for her. She send " proof '' of how everything worked. After this, she send my information to another person to contact me. I was talked into investing, as both persons were talking to me at the same time via XXXX messages ; knowingly that I was supposedly talking to a friend, I trusted it. Not being confident enough to trust the methods they used, I was forced to use the XXXX XXXX and sent {$2000.00} dlls ( on XX/XX/2022 ). to the contact my friend send me. After this, I was asked to send more money for some " mining fee '' so that I can withdraw the earnings, so I started hesitating. I then tried to contact my friend and the other person to the number she gave me for the XXXX deposit and I couldn't reach them. After a couple of hours, I was blocked from both accounts and both profiles were deleted. Apparently, both XXXX users were hacked and another person was using them ( they were real accounts, with pictures from years and they were on my contacts list ). I was scammed. 

Immediately, I filled a claim with my bank ( Wells Fargo ) the next day, but after 2 weeks their response was that nothing can be done. 

I also filled a complaint with the FBI ( XXXX ) and I report the number to XXXX, because knowing the name and cellphone number they sent me to use the XXXX XXXX, I got information about where the person was registered.

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 2022-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

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 2022-03-15 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: GA

Complaint narrative:
I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XXXX XXXX, 2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: FL

Complaint narrative:
I sent some documents for them to review, I havent gotten a response.

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