vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On or Around XXXX I contacted Affrim regarding Fraudulent dispute regarding and General Contractor That I Hired Through XXXX List I Mention to the Merchant that I didnt Receive Services That I Pay for I also Explained to the Merchant That a Case had been filled. 
Against XXXX list With Attorney General and Affrim the Merchant Fefuse to Honor this Complaint In fact The Merchant Is Still Reporting Over Due to Credit Reporting Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint against Suncoast Credit Union for an account that was closed in XXXX and a debt that was charged off in XXXX. 
I was told that this account was closed and charged off. I didnt know until XXXX that Suncoast has continued to charge fees on the closed/ charged off account since XXXX. 
In XXXX I hired a company and paid them monthly to help clear up all of my debt. The company I hired came across this debt and the continuing charges. They sent numerous disputes and tried to find out how and why this account was inactive and written off but still being charged monthly fees. They ask for the charges to stop and account to be removed from my credit.There wasnt any notifications of the fees and the fee charges fluctuated different amounts from month yo month. There was only a response of disagreement but charges continue to grow. The company suggested I file a complaint since I had no knowledge of this and I believed that once closed and charged off that would be final.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
My husband got gas on XX/XX/XXXX at a local XXXX gas station. The charge was for {$29.00}. A several days later we noticed our bank account was much lower than it should be. Upon investigation our charge for gas showed up on XX/XX/XXXX, but then XXXX other charges showed up at the same gas station for : - {$85.00} on XX/XX/XXXX - {$43.00} on XX/XX/XXXX - {$85.00} on XX/XX/XXXX - {$79.00} on XX/XX/XXXX - {$85.00} on XX/XX/XXXX This totaled {$370.00}! I am assuming that someone skimmed the card. I don't understand how or why they charged it at the same gas station -- unless there was an error at the gas station. 

My husband immediately called M & T Bank and reported the unauthorized charges. They gave us the money back temporarily and cancelled the bank card and issued my husband a new card. After a couple weeks, the money disappeared from our account and we got a letter saying that M & T Bank denied our claim because our PIN number was used. 

We did NOT give our PIN number out our make these charges! I read that people use a camera to catch your PIN. I find it hard to believe the bank does not know this. Also, I am still concerned -- what if the gas station had a glitch? 

My husband called and was told that we would be sent a form to appeal the decision. My husband also went to the bank personally and they put notes in our account. But, we never received the letter to appeal. 

My husband then called the bank today, XXXX, and was told that the fraud department closed the claim and will not reopen it! I was pretty angry and called. They told me the claim was reopened on XX/XX/XXXX and they are still investigating it. 

We are hearing constantly different things and are getting the run around. I have no proof they are investigating this fraud and it appears that they will not protect us. I am very upset. I called XXXX and the police and both told me that the bank is who we were supposed to call, which we did do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11 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: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I've noticed there are wrong addresses and phone numbers and even my name is wrong on my credit report I've tried to call and write letters to have them updated to no avail can someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Solar Mosaic LLC
State: AZ

Complaint narrative:
In XXXX, my we applied for financing for solar panels through Mosaic at the guidance of XXXX XXXX XXXX XXXX XXXX. We were approved for {$56000.00}. This financing and subsequent solar project was contingent upon us getting a new roof. On XX/XX/XXXX, we chose not to proceed with this project and XXXX XXXX processed the cancellation, informing all necessary parties. 

On XX/XX/XXXX, Mosaic Inc. reported a {$28000.00} loan to XXXX impacting our credit reports This loan should not have been processed. Where have the funds been sent? Why is it a completely different amount than what was applied for and approved? How can any bank fund a loan and report it to a credit reporting agency in an amount different than the loan documents? And, if the solar company cancelled the project, who received these funds? At the end of the day, Mosaic Inc. funded a loan that should not have been funded in an amount other than what any documents would say without our permission or approval. 

This needs to be rectified immediately and removed from our credit report without any adverse action on Mosaic 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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:
This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with 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 2022-03-11 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: NE

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: MI

Complaint narrative:
TransUnion needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX/XXXX  XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$16000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} MI XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$4900.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance XXXX {$1300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : XXXX US DEPT ED XXXX Balance : {$8000.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance : {$1800.00} US DEPT ED XXXX Balance : {$1800.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$4200.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$3400.00} XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry 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 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I switched my family plan with 4 lines ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) to XXXX and informed XXXX as thus I also paid XXXX XXXX bill to cover till XX/XX/2021 and yet I received XXXX request to for me to pay {$460.00}. 
I went to the local XXXX XXXX stores since I have no longer have the SIM card after the phone service switch. I went to the stores three times to seek help. Since my credit card got charged with the amount, the XXXX XXXX store representative advised me simply dispute the charge with the credit card company, which I did. 
I was surprised to have received a collection letter by a collection company XXXX claiming I owe TXXXX  for the period till XX/XX/2021. 
I wrote letters to XXXX XXXX customer care and Executive Vice President and Chief Customer Experience Officer XXXX XXXX. Again no response from them. XXXX XXXX  simply engaged another collection company AmSher Collections Services Inc with intention to destroy my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MOHELA
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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. 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MI

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$2300.00} MI XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance : {$8000.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$1800.00} US DEPT ED XXXX Balance : {$1800.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$4200.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$4900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with 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