vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 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: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
again, after trying to resolve the issue with my money the bank keeps saying that they will not give me money. Basically, they are not taking responsibility of my funds. I just want to stablish the fact that Wells Fargo bank will not help me. They called me XXXX days ago and said my money was coming back to me and they lied. They person that called me XXXX XXXX XXXX. He told me my money was released to me but he lied.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-17 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: MI

Complaint narrative:
XX/XX/XXXX ]. REPORT NUMBER : XXXX [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX, [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LAYE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
PAYPAL is charging 49 % interest per month because I can not afford to pay entire amount on a monthly basis. I pay XXXX, they put towards my loan XXXX dollars this month of XXXX. I have been paying 49 % interest for about the last two years, I now owe aprox XXXX down from XXXX in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: AZ

Complaint narrative:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  XXXX Account Number : 49 Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account.

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 2023-08-17 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX  Account Number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number XXXX Delete this account From My Credit Report Personal information is incorrect

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 2023-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Debt collection company keeps calling me about a contract that does not exist between myself and them. Want debt removed from credit report and calls to stop. These people are not the original holder in do course. That debt was charged off via their records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: VA

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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, 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 2023-08-17 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have been in the process of disputing a fraudulent account with AFFIRM LOAN SERVICES INC for over a year now. I have submitted two prior CFPB complaints and have submitted multiple forms of evidence, reports, and affidavits to Affirm regarding this fraudulent account but continue to have problems with this institution. 

Since XXXX of 2022, I have been in contact with representatives and supervisors from Affirm, providing any and all kinds of supporting documentation for the multiple disputes I have initiated and they continue to reject my claims and are still holding me responsible for an account that was opened fraudulently and without my consent. I contact Affirm almost every week and have spent hours on the phone trying to follow up on my case with them and their response is the same every single time ; they tell me that my dispute is being processed and that I should be receiving a email with the results of my dispute within 1-3 business days but every time I am relayed this information by supervisors and representatives, I never hear back from them via email. So I contact them again and again and the same pattern has occurred over 10 times and I have still not resolved anything with them. In this aspect, Affirm has provided the most pathetic customer service because I wait hours on the phone only for the call to get " disconnected '' or to be told the same baseless information and they have provided no results nor resolution for me despite my persistence and amount of evidence that I have provided for them. I need answers from Affirm. I have been waiting far too long for my most recent dispute investigation to be finalized. I am not the individual who opened nor benefited from this account and therefore I will continue to dispute this fraudulent balance that Affirm continues to report to XXXX. 


For consistency and evidence, I am uploading a Police Report, FTC Report, Affidavit, and notes of representatives and supervisors from AFFIRM that I have spoken to regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
This account was opened with out my authorization by XXXX. I purchased a security system from XXXX on XX/XX/XXXX under false pretenses. I canceled this service on XX/XX/XXXX not even 24hours after the purchase WHEN I was contacted by Fortiva 's fraud department to verify that I had authorized the line of credit with them in the amount of {$3000.00}. I told that representative that I had not authorized the line of credit and that I wanted it closed. I was never informed that anything was being financed. She stated that I would have to contact the merchant to have that done. The account was closed with XXXX on XX/XX/XXXX they removed their equipment on XX/XX/XXXX. On XX/XX/XXXX I got a notification that my credit score had dropped XXXX points with XXXX and XXXX points with XXXX due to the new line of credit with Fortiva. A line of credit that I NEVER authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: CA

Complaint narrative:
I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. 


XXXX XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023

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 2023-08-17 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This is my complaint to ALLY FINANCIAL for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-08-17 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to you in my continued efforts to resolve a deeply distressing matter concerning inaccurate and unauthorized information on my credit report. The violations I will outline below, which have left an indelible mark on my financial well-being and emotional state, compel me to seek your assistance in enforcing the necessary legal remedies. The listed violations are as follows : Incorrect Personal Information : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The impact of these violations on my life has been profound and overwhelming. The inaccurate information on my credit report has hindered my ability to secure affordable financing for crucial life milestones, such as purchasing a home or a vehicle. It has shattered my sense of financial security, leaving me XXXX and uncertain about my future prospects. The emotional toll of this situation is immeasurable, affecting not only my financial well-being but also my overall quality of life. 

I implore you to consider the emotional and financial distress that these violations have inflicted upon me. As I share my personal story, I beseech you to enforce the legal remedies available to ensure the accuracy and integrity of my credit report. In light of the violations detailed above, I kindly request that the unverified and inaccurate accounts be promptly removed from my credit report. This action is vital not only for my own peace of mind but also to uphold the principles of fairness and justice that our legal system is built upon. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can assist me in resolving this situation and restoring my financial stability.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: VT

Complaint narrative:
I have an account - checking- with Citizens bank in XXXX Vermont. They have a policy that seems to me onerous and should be illegal. 
If a customer ( me ) accidentally overdrafts, they charge a fee of {$35.00} and they have a policy that they can charge you this up to four times a day if the person trying to charge attempts four trys. So right away I owed them {$140.00} overdraft fee when the XXXX XXXXXXXX XXXX tried to charge my account {$1.00} four timmes in one day. 
Then tthe Citizens policy allows them to continue to charge me {$35.00} a day for every day that I do not stop the XXXX by making a deposit to cover the current overcharge. 
For someone like me on social security of {$1500.00} a month which is auto deposited to this account once a month, the bank will eat my entire social security check of {$1500.00} within one month. 
If this is legal it shouldn't be. XXXX XXXX bank has a policy, for instance, that allows a customer to overdraft by {$450.00} and they charge a one-time fee of {$35.00} which the customer can rely on not to increase for at least one month while the customer finds the money to correct the overdraft. 
This is sane and reasonable and should be the norm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX we had a forbearance plan ( due to the Covid pandemic ) until XX/XX/XXXX when we voluntarily took ourselves out and began making regular payments after the required three-month trial period. We were told that we could put the money on the back of the VA loan and make regular payments. We never received the modification agreement packages that we were promised. We continued to pay from XX/XX/XXXX to XX/XX/XXXX. They never sent the full modification paperwork agreement. However, they finally sent a partial claim but that was not what we agreed to. We originally were offered the full modification ( that program twilighted that we originally agreed to for a full modification ). Then they ( the mortgage company ) declined us and made a false report to the credit bureau and to the VA that we were not making our payments and that they are going to proceed with foreclosure. So we reported to the credit bureau that it was not true and to our VA that it was not true and sent in all of our payment receipts for review, The mortgage company corrected the credit bureaus to show that we are 100 % good, but filed a default judgment in the county office for nonpayment. We discovered that they did not apply any of the payments we made to any of our accounts ( without our knowledge for over a year it was put into a suspense account ) and charged us from XX/XX/XXXX to XX/XX/XXXX interest 3.25 % fee for all the payments that they did not register to our account although they were accepting payments. We tried to sell our house because of the negative remarks and the constant letters of foreclosure and knocking our credit scores from XXXX to XXXX whereas, by their false claims, we could not even do a refinance or borrow money from anywhere else because they messed up our credit score by continuously inquiring and denial of our credit when they assured us that we could do a home loan. And because it was our mortgage company that would do the loan whereas they even had us do an appraisal ( they ultimately refunded me the fee after I complained that they knew I did not qualify because of the low credit and the constant inquiries and denials, of course, brought my credit score down. And afterward informed me that my credit score was too low to do anything. Now that we are put in default we must sell our house for way under value. And threatened that if we do not do it we will lose our VA entitlement and credit be messed up even more. We believe that after we supplied the proof of our receipts to other agencies the mortgage company purposely stopped accepting our payments to be able to default on our home and this is unfair practice and should be investigated thoroughly. Furthermore, we tried to take equity from our property so that we could settle our bills and pay arrears but they constructively caused us financial upheaval while also ruing our reputation and creditworthiness.

Company response to consumer: Closed with explanation