vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
XXXX  has tried to get me to pay for a bill for XXXX XXXX for a few years now. The debt is not mine. They have put it onto my credit report 3 times by 3 different debt collection agencies. Each time I dispute the charge and it is immediately taken off my credit report because XXXX does not have the correct social security number. I have sent in packets that they have asked me to fill out 2 different times and each time its always some kind of hold up. Or I need to contact this department or that department. Its always a run around. As of right now if I go to XXXX I cant get any of there services because of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have ask the credited bureau to do a investigation to make sure every thing was accurate they said they did and every thing was accurate and I did a research of my own and found inaccurate on my report even after they said they did a investigation.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. Account Name ; XXXX XXXX XXXX. Account Number ; XXXX Account Name ; XXXX XXXX XXXX. Account Number ; XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C. ( a ) ( 5 ) Section State ; No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2023, I wrote a dispute letter to CRA TransUnion and mailed notification disputing incorrect personal information reported by the credit reporting agency. In the dispute letter I specified the rationale for my compliant according to FRCA U.S.C.1681i. I mailed the letter via certified mail via USPS, XX/XX/2023. As of XX/XX/2023, I have not received an update or response to my dispute. I checked the CRA 's website but there is not a change to my 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 non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/2023 I filed a complain with cfpb against AFFIRM because of fraudulent chargers on my account that they would not fully investigate nor remove. Since the resolution with AFFIRM my account has since been closed. However, AFFIRM continues to withdrawal payments from my bank account on balances I have no access to. They have also stop taking any of my calls when I call to inquire. 

When I email, they are requested that I send them ID verification. They rejected them all. The last email I received from them after another request to view my balance was that I write a check to their company in Pennsylvania with my account loan information. However, I am unable to do that if I do not have access to my account with such information! 

The following is an example of the repetitive emails with different Customer Service Representatives listed at the bottom when I request access to my account balance. 

Hello XXXX, Thank you for following up with Affirm! 

I can certainly see the importance for you to recover your account. We appreciate your patience and rest assured that here at Affirm your concerns are our priority. We will be more than happy to help. 

We received your request to recover your Affirm account. To review this request, we will need additional information from you. 

Please follow the link HERE to securely submit your documents for verification. This is a single-use link that will expire in 3 days. You will need to submit photos of your government-issued ID as well as a photo of yourself. Acceptable forms of ID include : Driver 's License Passport Identity Card Our Account Safety team reviews these submissions Monday - Friday. Once submitted, please allow 4 business days for your documents to be reviewed and, if approved, updated. You'll be notified via email on the outcome of your request. 

If you have any questions or concerns, please let us know by responding to this email or by calling XXXX. Our customer care representatives are available to take your call between the hours of XXXXXXXX XXXX  - XXXXXXXX XXXX Central Time seven days a week. 

Best, XXXX XXXX. 
Affirm Help Center XXXX I have filled this application several times and each time is has been rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: FL

Complaint narrative:
I paid a rental collection through a collection company by the name of Hunter Warfield 3 years ago and the collection is showing that I never paid the collector. Hunter war field never contacted the leasing company to remove the the collection from my account. Im unable to lease another property Because of hunter warfield negligence. My previous lease office said hunter warfield never paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
about 4 months ago the Florida Department of Revenue froze XXXX dollars ( estimated ). Finally the department decided I didn't owe that and released the funds back to me. A couple days later Regions bank charged me a XXXX dollar fee for the transaction. 
The bank id the only one who had access to these funds during that time > the transaction never went through since it was a mistake. and yet the bank still charged a fee that almost XXXX percent of the original amount. This is 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 monetary relief
Consumer complaint received 2023-04-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$990.00} Original Creditor : XXXX XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX XXXX this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$160.00} Original Creditor : XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX I have contacted both TransUnion, as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/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 2023-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westcreek Financial
State: IL

Complaint narrative:
I went to XXXX XXXX ago on XX/XX/2023. I applied for a credit and was approved for {$300.00}. I plan to get furniture but my bank stated it could possibly be fraud and i could cancel the XXXX payment which i did and didnt go through with the order. I contacted the loan company and told them and also submitted XXXX  AFFIDAVITS. On XX/XX/2023 the went into my account and withdrew XXXX. I called the company and they stated the furniture store said i received a twin bed i never received. I went to the store and it was closed and they were not answering my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have had an ongoing battle with Experian for over a year, today XX/XX/2023 I tried again to speak to a rep due to my score dropping, I had no idea what the rep was saying his XXXX was awful, all I managed to understand was " your score went up '', I am not a brain surgeon but I was taught - means negative, Experian once again said they could not help me, I waited for another rep hopefully who spoke better XXXX and he explained again my score " went up '', I wish I could send a screen shot of the XXXX in red, also I see as acounts age they have less impact on scores, I have XXXX accounts from 6 years ago that have nowhere near of a less effect, its funny XXXX and XXXX report are all correct, Experian is awful, their customer service is a train wreck, why do they have people who speak horrible broken English talking to the American people about something as important as our credit scores? they seem to have the power to adjust them at will with no accountability,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There many inaccuracies on my account report. I reached out to the credit bureaus and also had XXXX XXXX reach out but inaccuracies remain. Attached are two different credit reports from two different companies that show inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There many inaccuracies on my account report. I reached out to the credit bureaus and also had XXXX XXXX reach out but inaccuracies remain. Attached are two different credit reports from two different companies that show inaccurate reporting.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit 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: WI

Complaint narrative:
I am a Banana Republic credit card holder. I am disputing the total amount of {$190.00}. I made a hotel reservation for XXXX XXXX XXXX in XXXX, WI, through XXXX on XX/XX/XXXX, for two nights for {$190.00} using my Banana Republic credit card. When I arrived at the hotel, I was informed of an issue with XXXX credit card ; therefore, the hotel could not check me in. I called XXXX to tell them of the issues. I was instructed by XXXX customer representative on the phone to cancel the booking for a full refund from XXXX and to book directly through the hotel since she did not have the authorization to clear their credit card issue that evening. I was told it would take 24 hours before the issue could be cleared. As a result, I canceled the booking with XXXX and booked one night directly with the hotel ( XXXX XXXX XXXX charged me on XXXX XXXX for {$120.00} ). However, after the event, XXXX only refunded me half of the price I paid for the booking ( {$99.00} ). When I called them requesting a full refund, I was informed that they could not refund me the total amount because the hotel did not cancel my reservation. I submitted the hotel 's documentation showing that my reservation was canceled, yet they still would not refund me my total amount. As a result, I disputed the charges with my credit card. When I called my credit card on XX/XX/XXXX, to dispute the charges, I was informed that I should only dispute {$95.00} since I was already refunded the {$99.00}, for a total of {$190.00}. After going through the credit card dispute process, they failed to refund me the disputed amount ( {$95.00} ). When I called again, they informed me to write an appeal letter to reopen the case. I sent the letter on XXXX XXXX, XXXX, and have not received 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 monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. Pursuant 15 usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair, accurate and equitable. This is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when your company performed the initial investigation to inform me this information would be reported. Pursuant to 15 usc 1681 ( a ) ( 1 ) - 15 U.S. Code 1681a ( e ) 15 U.S. Code 1681a ( 2 ) ( iii ) The consumer reporting agencies failed to follow lawful investigative procedures. This grave mishap is preventing me from receiving credit worthiness which is ultimately harmful and abusive. No personal interviews were conductive by the persons which congress has outlined. The consumer was also not given the ability to address this information prior to being furnished which congress has also outlined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. Pursuant 15 usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair, accurate and equitable. This is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when your company performed the initial investigation to inform me this information would be reported. Pursuant to 15 usc 1681 ( a ) ( 1 ) - 15 U.S. Code 1681a ( e ) 15 U.S. Code 1681a ( 2 ) ( iii ) The consumer reporting agencies failed to follow lawful investigative procedures. This grave mishap is preventing me from receiving credit worthiness which is ultimately harmful and abusive. No personal interviews were conductive by the persons which congress has outlined. The consumer was also not given the ability to address this information prior to being furnished which congress has also outlined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FEDChex Recovery, LLC
State: NY

Complaint narrative:
I've been contacted at least seven times by call from " No Caller ID '' who calls and immediately hangs up. They then leave a message that seems recorded, saying they are from FCR services calling to collect my debt and that I need to pay my outstanding balance. They do not say my name or the amount I supposedly owe. They then proceed to give the phone number : ( XXXX ) XXXX and the website paymybalance.com. Yet when they leave a voicemail, I can see the number they are calling from. They have used the numbers : ( XXXX ) XXXX ( called on XX/XX/23 ), ( XXXX ) XXXX ( called on XX/XX/23 and XX/XX/23 ), ( XXXX ) XXXX ( called on XX/XX/23 ) and ( XXXX ) XXXX ( called on XX/XX/23 and XX/XX/23 ). Another time they called, I was able to answer before they immediately hung up so they couldn't leave a message. Today I started receiving text messages from XXXX. In the text message, they include a website to find more information at XXXX. Not only are they calling about a debt I do not have. They are also impersonating a real debt collection company. The website and phone number for FCR Services are different than what they leave in the voicemail. Even the website to pay the balance to the real FCR Services is different. The fake website to find more information is obviously fraudulent and clearly a scam website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Its been brought to my attention that there is inaccurate information being reported on my credit report. This willful error has caused harm to my well being and livelihood. Pursuant 15 usc 1681 ( a ) ( 1 ) The banking system is dependent on my consumer report being fair, accurate and equitable. This is unfair to me because I was never notified when this inaccurate information was furnished and I was never notified when your company performed the initial investigation to inform me this information would be reported. Pursuant to 15 usc 1681 ( a ) ( 1 ) - 15 U.S. Code 1681a ( e ) 15 U.S. Code 1681a ( 2 ) ( iii ) The consumer reporting agencies failed to follow lawful investigative procedures. This grave mishap is preventing me from receiving credit worthiness which is ultimately harmful and abusive. No personal interviews were conductive by the persons which congress has outlined. The consumer was also not given the ability to address this information prior to being furnished which congress has also outlined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX and XXXXXXXX  two hard pulls were reported on my account. I never applied for a Walmart credit card. A day later I get a report that the card is being made. I did not put an inquiry in for a credit card. I do not need another one and I dont know what or who did that. Please help.

Company response to consumer: Closed with non-monetary relief