vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I have # XXXX Affirm Accounts that have been active since XX/XX/XXXX. All # XXXX posted to my XXXX as XXXX Account on XX/XX/XXXX. This has caused a decrease of XXXX points. 

Due to XXXX XXXX, we are still experiencing hardship. Payments have always been made on time. 

Just last month I received my first 30 day late report that was added to all # XXXX accounts, that then was posted to my account on XX/XX/XXXX showing NO payment history for any of the # XXXX accounts. 

Shows # XXXX XXXX Accounts with a 30 day late payment. I called asking for a resolution to these accounts and why did they report to my XXXX almost a year later with no payment history listed. No response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: CL Holdings LLC
State: IL

Complaint narrative:
My name is XXXX XXXX.I was a victim of identity theft a few years ago.I have been trying, unsuccessfully to remove this account from my credit report .I uploaded all my docs and proof for you to see .so u can see some one open an account with XXXX XXXX  XXXX XXXX XX/XX/2019 over XXXX was done under my name with out my permission identity thieft I have try with XXXX and XXXX XXXX but XXXX XXXX  is not in charge of account Jefferson capital has it there a mix up on my credit report with XXXX it has XXXX XXXX  as current account holder but they dont have it no more Jefferson capital has but never reported this is weird I have excellent credit this is killing me please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: FL

Complaint narrative:
I have attached an FTC report with inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: DE

Complaint narrative:
I recently checked my credit report and i am being billed for an transaction that I'm not supposed to be. XXXX XXXX XXXX needs to send the correct bill to the correct party This is listed on my Credit Report as : {$1500.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I've reached out to these companies letting them know this is a violation of FCRA which ensures the accuracy and fairness and privacy of the information in consumer credit bureau files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC
State: FL

Complaint narrative:
Mortgage Company : Lower, LLC When I first contacted Lower, I asked if they offered no closing cost HELOCS. I was very clear that I was not looking for a HELOC that didn't require cash at closing ( closing costs folded in ). The man I dealt with throughout the process said they did. After we discussed the project, he recommended getting a second mortgage for a portion of the amount, with a HELOC as a backup in case costs went over the expected amount. This made sense because interest rates are going up and we proceeded with the process. I received several disclosures during the process regarding the mortgage, which included normal closing costs. I do not recall ever receiving any disclosures about the HELOC. Additionally, at one point in the process, I asked if I should increase the amount of the mortgage and not get the HELOC. The man I dealt with said I should just go ahead with the HELOC in case there was a need for extra money, so I didn't have to go through the loan process again. In hindsight, this seems to be motivated by collecting an additional loan fee. 
I was also told that payments on the HELOC didn't need to be made unless we used money, so I was surprised to receive a bill with an interest payment. The lending institution sent me a copy of the HUD, which we did sign, with the closing costs on it. This was certainly an oversight on my part. I didn't look at it closely enough during the closing, but I wasn't expecting surprise closing costs to be added. Additionally, the closing was very rushed, but that's another story. 
When I contacted Lower, they said the origination charges for the mortgage were waived, but not for the HELOC. This was never mentioned during the mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I had a payroll check deposited into my checking account with usaa. My account was then put on hold for the funds but ended up being closed and was told I had to wait 60 days for them just to close the account all the way and send a check afterwards for the funds. There wasnt any fraud committed nor did any check bounce on my account. Im not getting the proper help with this issue through usaa the representatives have been rude and non insightful pertaining this issue. I have spoke to both departments I was told 10 days at first now XXXX and I am currently stuck in XXXX XXXX TX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MA

Complaint narrative:
This debt is not mine and I received a letter from what I think is a legitimate debt collection agency. 

The company that sent the debt to collections is not a real company and the debt is not real. 

If you look on XXXX  reviews, over XXXX people have submitted reviews that this is fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This " company '' is fraudulently attempting to scam people by telling them they owe a debt that they do not owe. 
I have never heard of this company, it's not on my credit report ( yet ) and I do not have a previous bill from them. I checked online and they claim to run diagnostic imaging. I have not had any diagnostic imaging in over 2 years and my insurance company has not received a claim. 

They claim this debt is from less than 30 days ago and according to the letter to me the service was rendered XXXX days before it was sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have attached XXXX FTC reports with inquiries I did not authorize and need to have them deleted, Please also update my personal information which is wrong

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 2022-11-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INITIAL REQUEST ASKED TO PROVIDE ORIGINAL DOCUMENTATION OBTAINING MY SIGNATURE. UNDER THE FCRA, BUSINESSES ARE REQUIRED TO HAVE A COPY OF THE ORIGINAL CREDITORS DOCUMENTATION WITH HARD SIGNATURES ON FILE. I HAVE ATTACHED WHAT WAS PROVIDED AS VERIFICATION WHICH IN TURN ARE FULL OF INACCURACIES AND ERRORS. I DEMAND FOR THIS ACCOUNT TO BE REMOVED AS IT HAS NOT PROVIDED VERIFICATION OF THE ACCOUNT. THE ACCOUNT SHOWS CURRENTLY THAT THERE IS A LAST DAY FOR PAYMENT OF XXXX, AND HAS AN ORIGINAL CONTRACT DATE OF XXXX. CONSEQUENTLY, XXXX HAS FAILED ONCE AGAIN TO PROVIDE PROOF OF THAT DOCUMENTION. A NOTICE TO ACCELERATE DOES NOT SUFFICE NOR CONSTITUTE A SIGNED CONSUMER CONTRACT. DELETE EXPEDITIOUSLY!!!! 

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding your continued willful and negligent noncompliance.

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 2022-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have XXXX private student loans which have been included in many lawsuits for private loan forgiveness as the school has been convicted of fraudulent activities, misleading students, and providing a subpar education. By these actions and through the lawsuits that have taken place over the last 3 years, these loans qualify as such that should be XXXX under the ruling from the judge. The Navientagsettlement.com provides more details, however a {$200.00} check does not resolve the fraud from the loan company, or the fraud commited by the schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian and XXXX states XXXX verified a Bankruptcy. No Bankruptcy in XXXX data base. Delete Bankruptcy do NOT UPDATE! Govt job denied because Experian reported a Bankruptcy. FCRA violations 15 US 1681, 15 US 1681 ( a ) et. al. Violation of privacy, no Permission to report without permission. Causing me injury to provide for family. Obey the law remove this from my credit report. Sent letter from XXXX stating not verified, deleted from XXXX data bank. Possibly discrimination and bias, my second complaint. Would like a statement from Experian and XXXX under penalty of perjury they verified this bankruptcy! Delete immediately. Will fie complaint with the FTC to insure an unbiased reinvestigation and a removal of this bankruptcy off my credit report without prejudice.

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 2022-11-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CURO Intermediate Holdings
State: OH

Complaint narrative:
Ad Astra Recovery Services , Inc. is reporting debt to all three credit bureau, but I never received a single letter from this company. I was never given 30 days to dispute the debt. I have know idea who this company is. I lived in XXXX XXXX for XXXX years and moved to XXXX in XXXX. Ad Astra Recovery Services has no proof sending any letter to me giving me 30 days to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hard inquiries and debts tied to a address is never lived at and when I reach out to XXXX XXXX XXXX and Especially Experian about the issue they say the debt or inquiries is valid yet the personal info such as social Security number and name and address is incorrect and it's like they don't care to clear it up hard Inquiries on accounts I already have so why would I apply for them again but they don't seem to see the issue it feels like a scam honestly

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 2022-11-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX  account is incorrect and should be removed from my credit report. i disputed many times and it was removed correctly from credit bureaus after proper investigation ( see attachments ) but they keep showing back up on Experian report, reporting incorrect information. Experian removed it properly in XXXX and it is now back on for some reason I been battling with them and sent numerous certified letters without ANY answers from them!! they clearly violates my right as a consumer and wrongly report incorrect information on my credit report. I put them on notice, sent cease and desist letters, asking for valid proof of contract on this account... it is greatly impacting my credit worthiness i worked very hard for! 

Since they ignore the law and my letters, i am kindly asking you to make proper remedy to this and make sure my credit is reflecting accurate and true information! 
I appreciate your help!

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 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
The Navy Federal Credit Union issued a VISA credit card to someone using my name and SSN and living at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC, XXXX on XX/XX/2022 even though I had placed a fraud alert with all credit bureaus. 

I submitted a Declaration of Forgery/Fraud on XX/XX/2022, and the Navy Federal Credit Union has yet to complete their investigation of this identity theft and are continuing to attempt to collect on the debt for this account, which now amounts to {$4600.00}. They have accepted my documentation, and have stopped the card from being able to be used, but they have not completed their investigation in a timely manner and have been reporting false information to the credit bureaus.

The Navy Federal Credit Union never acknowledged receipt of the Declaration document, so I had to resubmit the declaration on XX/XX/2022. 

I have called the Navy Federal Credit Union multiple times and have spoken with many people in their security area as well as in their account services area, but this issue has not yet been resolved and it is now close to 90 days later. 

I have filed a report of identity theft with the XXXX Police Department in XXXX, MN. 
The report number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fig Tech Inc.
State: MO

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
WF debit card worn and chip only reading intermittently with use. Ordered a new card. WF sent with no tracking. XXXX weeks later customer still waiting for card. Called customer service and told there is no way to track the shipped card so all cards associated with the account will be turned off. Shipping of new replacement card could take 7 days. No option to obtain a temporary card from local branch. Requested expedited delivery ; WF reports they can rush deliver in 3 days but it would require signature during the day. Customer works XXXX overnight shift. Requested reasonable accommodation such as showing ID at local branch to get a card that allows access to funds. No solution offered by WF. Funds in account are now held captive for up to 3 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 explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I received notification on my XXXX and XXXX alerts on XX/XX/2022 of an alleged medical collection debt in which no prior correspondence received. I have sent certified letters on XX/XX/2022 requesting XXXX XXXX XXXX, XXXX and XXXX to verify debt and requesting copy of signed XXXX authorization to release information to 3rd parties. To date, no information has been sent to verify this alleged medical debt of {$1700.00} from Original Creditor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I use COSTCO citi card to pay my monthly " XXXX XXXX XXXX XXXX XXXX  ''. The official amount is {$11.00}, but citi card charges me {$12.00} each time. I called the cit Customer Service and explained to them. " XXXX provider asked us to charge {$12.00}, not {$11.00} '' is the answer from citi Customer Service. However, I got my {$0.00} refund ( XXXX {$0.00} ) back after I did a dispute on citi website. Looks like that I need to go to dispute each monthly transaction to get {$0.00} back for each month. 
Not sure whether this is not a good practice? 

On XX/XX/2022, I purchased gas at XXXX  gas station when the gas pump notice said no receipt available ( instead I did take a photo of the pump, {$38.00} ). The citi card charged me {$40.00}, which is {$1.00} more than {$38.00}. It's interesting that the citi dispute site gave the {$1.00} back to me " Permanently '' immediately as soon as I entered my dispute ( it seems know there is an overcharge, which is {$1.00} ). However, two days later, I got an email from COSTCO citi card asking me to " XXXX, request a replacement card in just minutes ''. I feel this is bad email, which is like a harassment ( because I had replaced my card about two months ago with lot of troubles when I was traveling, for which I did informed citi card in advance ). I think there might be some misunderstanding, so I called Customer Service again. The Customer Service said they didn't send that email. 

I really want to trust COSTCO Anywhere Visa Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: MO

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation