vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-05 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-12-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is from me a human person XXXX XXXX not a company or any other thing like that this is a formal complaint i used the templates provided by the ftc. I submitted a identity theft affidavit to the credit bureaus asking them to remove accounts that are identity theft, its my understanding that per the fair credit reporting act they have four days from the date of receiving those letters to remove those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
I recently applied for a loan with Affirm through XXXX, was denied based on payment history. The payment history I believe includes non payment of a loan applied for through XXXX, in which case, the item was returned back to merchant and XXXX tracking number provided to Affirm several times in prior CFPB complaints. The merchant, XXXX, initially verbally agreed to refund order, their rep said he would refund and when I attempted to follow up, calls were not answered from XXXX.. Most recently, I called again, spoke with XXXX, claimed the order was placed directly on XXXX site in which case, it was not, it was placed via third party link and terms of sale including return policy not disclosed.. XXXX claims the item is final sale, not eligible for return, in which case it was not advertised as such ... Unfortunately, we were unable to come to resolution and messages left for the owner, XXXX, remain UN-returned to date.. Further, the item, a Mens pair of XXXX XXXX jeans, XXXX not returned back to me. It appears XXXX may have sold the item, in which case, I believe they would need to refund but refuse to do so ... As stated before, Affirm refers to this order as payment history and reason for decline, in which case, item was returned and should not be included in credit decision

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I noticed a few remarks on my credit report that is severely holding back my ability to be financially stable. I believe these accounts I have listed below are inaccurately reporting. According to my FCRA rights I have the right to dispute anything if I believe its inaccurate. I have listed the accounts and the issues i see with them below XXXX XXXX XXXXXXXX False 30 day late pay reporting Date Last Active XXXX : XX/XX/2022 XXXX : XX/XX/2022 XXXX XXXX  XXXX Account falsely reporting to XXXX I have attached my ID and proof of address to get this resolved without any issues

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: NM

Complaint narrative:
I noticed a few remarks on my credit report that is severely holding back my ability to be financially stable. I believe these accounts I have listed below are inaccurately reporting. According to my FCRA rights I have the right to dispute anything if I believe its inaccurate. I have listed the accounts and the issues i see with them below XXXX XXXX XXXXXXXX False 30 day late pay reporting Date Last Active Experian : XX/XX/2022 XXXX : XX/XX/2022 XXXX XXXX XXXXXXXX Account falsely reporting to XXXX I have attached my ID and proof of address to get this resolved without any issues

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 2022-12-04 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: FL

Complaint narrative:
I've disputed accounts that were opened via identity theft with servicer between XXXX to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. They refuse to block info that I'm telling them is result of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have been contacting this company about several inaccuracies on my credit report but unfortunately I keep on being ignored, this time I must seek help from CFPB for others to learn of my experience,!

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 2022-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: AZ

Complaint narrative:
This debt does not belong to me. My social security number does not link with this. I keep getting mail about this. I spoke with the company multiple times and they can not prove it belongs to me

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 2022-12-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
Ihave filed disputes I never hhad any dealings with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: SC

Complaint narrative:
The consummation of this lease agreement took place XX/XX/2018. There are certain disclosures that should have been provided during the consumer credit transactions. The notice of cancelation form explaining my right to rescind was never provided. Pursuant 15 USC 1635, I was not giving full disclosure of all the terms in the lease agreement. This has caused great injury and suffering. 

I hereby rescind this contract and demand any payments made by me returned to me within 10 days of the rescission process. Any interest you have in this contract needs to be terminated and canceled. You must send me proof of the cancelation. 

You must cease & desist from all collection action and any other action pertaining to any debt obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
I MISSED THE XX/XX/2022 PAYMENT BECAUSE THEY SAID THERE WAS INSUFFICIENT FUND IN MY CHECKING ACCOUNT. I PAID OVER THE PHONE AN AFTER I GAVE THEM MY ACCOUNT PAYMENT INFO, THEY SAID I WILL PROCESS YOUR PAYMENT THRU XXXX MINUTES LATER THEIR EMPLOYEE CAME BACK ON THE PHONE AND SAID " '' YOUR PAYMENT WENT THROUGH YOUR ALL GOOD NOW!!! '' '' THEN WEEKS LATER THEY TELL ME I AM LATE ON MY PAYMENT. I CALLED TOLD THEM ABOUT MY PAYMENT AND THEY SAID THAT IS NOT HOW WE WORK WE HOLD THEM PHONE PAYMENTS FOR 3 DAYS BEFORE WE TRY TO PROCESS THOSE PAYMENTS THROUGH THE BANK!! I SAID WHEN I CALLED THE PAYMENT IN THAT DAY THERE WAS PLENTY OF FUNDS IN MY ACCOUNT TO COVER MY TRANSACTION THAT DAY.!!! IN XXXX TILL PRESENT ( XXXX ), I HAVE BEEN SENDING THEM PAYMENTS OF XXXX OR XXXX EVERY MONTH WITH INSTRUCTINGS TO CREDIT EACH MONTHS DUE PAYMENT AND CREDIT THE EXCESS TOWARDS MY MISSED XXXX PAYMENT!!! I DID THIS EACH MONTH WITH WRITTEN INSTRUCTIONS AS TO HOW TO APPLY EACH MONTHS OVER PAYMENTS. THEY JUST TOLD ME THEY TOOK ALL MY PAYMENTS AND APPLIED THEM TO THE MONTH BEFORE AND CHARGED ME LATE PAYMENTS FOR EVERY MONTH AS THEY SAID THAT IS HOW THEY DUE THINGS AND JUST IGNORED MY WRITTEN INSTRUCTIONS AS HOW TO APPLY MY FUNDS I SENT IN... THERE TACTICS THEY NEVER TOLD ME ABOUT TILL NOW MADE ME TOTALLY UNAWARE OF WHAT WAS HAPPENING ALL THIS TIME WHILE THEY WERE JUST LINNING THEIR POCKET WITH LATE FEES WHICH IN MY OPINION WERE OUTRIGHT EMBEZELMENT BY OVER CHARING ME... I BELIEVE I HAVE A LEGAL RIGHT TO DIRECT ANY BUSINESS I SEND MONEY TO AS TO HOW I WANT THOSE FUNDS DISTRIBUTED IN MY ACCOUNT. MY MONEY MY DECISION ALL MY MONEY IS TOTALLY UNDER MY CONTROL NOT BUSINESSES I DEAL XXXX!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I disputed XXXX with EXPERIAN back in XXXX for a plethora of violations and I asked for the item to be removed from my report because it had so many errors and inaccuracies on it was not reporting proper data. Today, XXXX i tried to dispute it and it said that I already disputed the item but that was 60 days ago and all they did was update when it was to be removed. This is messing me up this account is all over the place.

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 2022-12-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have been contacting this company about several inaccuracies on my credit report but unfortunately I keep on being ignored, this time I must seek help from CFPB for others to learn of my experience,!

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 2022-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
XXXX recieved a letter in the mail saying I have an open account with First National bank with a current balance of $ XXXX. Called First National on XXXX to report Ive never opened an account with XXXX XXXX nor withdrew money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have told them to stop calling numerous times and have even written emails and they will not stop calling. When they do call they cal back to back 4-5 times and hang up right away when I answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 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: WA

Complaint narrative:
Hello, my name is XXXX XXXX. When I had recently pulled my credit report up, I noticed there was a bankruptcy showing up on my report. I contacted both XXXX XXXX and the bankruptcy court that the bankruptcy is connected to, and they both stated that they do not report to credit bureaus. 

Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX bankruptcy According to 15 US code 1681a ( 4 ) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has had an unfortunate impact on my life and affecting me personally in trying to purchase a home, acquire credit, and receive employment. Also, under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation in not reporting 100 % accurate because it lists the bankruptcy as the furnisher. This is misleading and forgery as I have a letter from the bankruptcy court that says they do not report this type of account. I am urging you to remove this bankruptcy immediately from my credit report so I can provide for my family and improve the quality of life for me and my family.

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 2022-12-04 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: WA

Complaint narrative:
Hello, my name is XXXX XXXX. When I had recently pulled my credit report up, I noticed there was a bankruptcy showing up on my report. I contacted both XXXX XXXX and the bankruptcy court that the bankruptcy is connected to, and they both stated that they do not report to credit bureaus. 

Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account Name : XXXX bankruptcy According to 15 US code 1681a ( 4 ) Every consumer has a right to privacy and the bankruptcy reporting is in direct violation of my privacy. This has had an unfortunate impact on my life and affecting me personally in trying to purchase a home, acquire credit, and receive employment. Also, under 15 US code 1681e ( b ) and 15 US code 1681i ( 5 ) this account is in violation in not reporting 100 % accurate because it lists the bankruptcy as the furnisher. This is misleading and forgery as I have a letter from the bankruptcy court that says they do not report this type of account. I am urging you to remove this bankruptcy immediately from my credit report so I can provide for my family and improve the quality of life for me and my family.

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 2022-12-04 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 — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: CA

Complaint narrative:
My First Progress card was stolen. I reported it to the company and asked them to prevent reverse the fraudulent charges on the account and prevent further fraudulent charges. From what I can tell, they issued a second credit card and allowed fraudulent charges on that and kept two accounts running then failed to post payments to either account. 

Because of this, I was assessed a late fee and now have a balance of {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage servicing company changed in the beginning of XXXX i was not notified until after the XXXX and that entire time i could not schedule payments. Once i was able to schedule payments i could not use the normal account we use and had to use a business account. that payment went through but was showing up in shellpoint as returned. i contacted them with no response then filed complaint. I should have an additional payment schedule for this week and now i am again locked out of my account and cant see payments made cant schedule new payments. i have been with this new company for less than a month and for half of that time i could not schedule payments view payments. i also could not use our personal bank account and had to use a business account. now i again cant access anything. This has put me at further risk of being foreclosed on and it is unfair considering my account has been unavailable to me for much of the last 30 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX  I attempted to withdrawal cash at an ATM inside a Citi Bank location. The attempt was blocked multiple times at the ATM, and while it presented no reason for the issue, it directed me to speak with a bank teller. The bank employee was unable to to withdrawal the cash, but was able to tell me a fraud hold had been placed on the card due to my attempts. I left without any withdrawals occuring that day, and I called Citi to confirm that it was myself who had attempted those withdrawals unsuccessfully and have the fraud hold removed. When I checked my account a few days later, I had been charged for a withdrawal of {$500.00} dollars and a subsequent {$25.00} fee. I called Citi again, was assured that charged would be reversed. Waited for a few days and this never happened. By the XXXX of XXXX I called Citi again, was told that the charge would be reversed again, and received a letter about a provisional return while the issue was resolved formally. Then comes my latest statement, with the charge put back on, fee put back on, and interest charged. On cash I never recieved. Today, XX/XX/XXXX, I spent a couple of hours trying to ask Citi employees to reverse this charge yet again. This time I was told flat out I was denied. Citi has decided to keep the money, because they decided I received it. What proof there is to conclude this, they refuse to provide. I beg to differ as phone records and video cameras from the bank on XX/XX/XXXX will show quite clearly otherwise.

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 2022-12-04 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: IL

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 


16 U.S.C 1681 section 602 A States I have the right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-12-04 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: IL

Complaint narrative:
In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 


16 U.S.C 1681 section 602 A States I have the right to privacy.

16 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: SC

Complaint narrative:
MBA LAW violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; I have attached my ID, Social and proof of residency during the date of service. This account is being inaccurately reported on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have told them to stop calling numerous times and have even written emails and they will not stop calling. When they do call they cal back to back 4-5 times and hang up right away when I answer.

Company response to consumer: Closed with explanation