vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
After I paid off my XXXX credit cards I checked XXXX on XX/XX/2023 to see how much my credit score went up as that was the only debt I had left to pay off. To my surprise, there was an unfamiliar account on my report from Affirm Inc . I looked up Affirm Inc on XXXX as I had no idea who or what that was. I found a customer service phone number and when I called it they confirmed that an account for {$700.00} was opened under my name and that there is currently a {$500.00} balance remaining. They also informed me that it was for a purchase made on XXXX I went to XXXX and it's not even a valid website as the domain is for sale. I have no clue who opened this account and did not authorize it. I'm assuming identity theft & fraud has occured so I froze my social security number AND credit, put a fraud alert on my credit, reported it to identitytheft.gov, filed a police report, filed a dispute with XXXX which they did not fix the issue and filed a complaint for fraud with Affirm Inc . I have gotten the run around with Affirm Inc . They told me someone would contact me in XXXX business days to follow up and XXXX business days went by and nobody from Affirm Inc contacted me. I called again and they said their supervisor was handling it and would call me back in a few hours which they never did either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX. A check was washed for {$85000.00} XXXX. Chase " the cashing bank '' Says it was counterfeit XXXX. XXXXXXXX XXXX my bank intuition states it was altered XXXX. Chase denies to avoid reimbursing my funds XXXX. XXXX XXXX will not challenge Chase. Quote " We are to small to go up against Chase '' XXXX. No legal firm wants to challenge Chase XXXX. I have been told this is what Chase does to avoid paying for a error they made. 
XXXX. I don ' t trust Chase, I need a neutral party to confirm Chase it not lying to me and prove them incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
I paid {$47.00} to my fourth student loan on XX/XX/2023. It was never applied to my account with Edfinancial Services. I emailed Edfinancial Services twice and never received a response. So, I contacted my bank and filed a reversal request. The funds were dispensed to my bank account on XX/XX/2023. I submitted the payment for my fourth student loan again on XX/XX/2023. It was never applied to my student loan account. I called Edfinancial Services on XX/XX/2023. The representative could see my payments in their system but could not tell me why they weren't being applied to my loans. She stated she would contact the financial department but could not provide me with a reference number. I firmly believe Edfinancial Services is stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
Goldman Sachs forged and falsified bank records to intentionally fabricate disinformation in a pathetic and disgusting attempt to gaslight me to cover up employee misconduct. Goldman Sachs falsely fabricated a defamatory and libelous accusation that I did not have a perfect payment history when I never missed even XXXX payment nor had any of my payments ever not honored. Its as if Im just a XXXX XXXX XXXX to Goldman Sachs because Im a minority and because Im a minority and Goldman Sachs is allowed to perpetrate in bank fraud by creating false bank records with defamatory false and hurtful allegations that are untrue. Goldman Sachs thinks they can get away with such brazen misconduct because they can simply just bribe the right people with their political donations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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:
Upon reviewing my consumer/credit reports I noticed there are incorrect names and addresses being reported by all XXXX bureaus without my permissible purpose or their knowledge of the information to be true.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my consumer/credit reports I noticed there are incorrect names and addresses being reported by all XXXX bureaus without my permissible purpose or their knowledge of the information to be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have no knowledge of this company I did not give permission for any company to sell an account that i have NO Knowledge of, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All XXXX credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, 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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All XXXX credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All XXXX credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, 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 2023-12-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received an e-mail on XX/XX/2023 from an XXXX XXXX from XXXX telling me that I owe {$1200.00} to LVNW Funding LLC on a debt from XXXX XXXX XXXX, XXXX. 

I never heard of the bank nor did I even file any loans from that bank. 

I am providing screenshots of said e-mail with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed from my credit reports effective immediately. I am attaching proof Equifax has admitted that I was the victim of this data breach and has done nothing. Please help me delete these illegal accounts from my credit reports. Those accounts being. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX tarnished my credit in spite of me paying off the loan. I have made numerous attempts to clear and dispute the error but have not received any response. I also disputed with credit bureaus all XXXX and they said to contact the creditor. I am attaching the letter XXXX sent me showing I paid off my loan. This has been affecting my credit since 2019 and recently when I applied for a new vehicle recently and they mentioned hundai!. It continues to come up on my credit report and I have evidence from XXXX document, see attached form. I sent that letter to credit bureaus and XXXX several times and nothing. 
Hope you can help. 

Thank 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 explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizen is report an account number # XXXX in charged off status I demand they remove this from my credit report. This is my formal dispute and if you don't remove it I will seek fines and sue you and transfer it to a consumer attorney for possible legal action Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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:
My issue is with Transunion, XXXX, and XXXX with a car loan company, XXXX XXXX in which each company reports lates since XX/XX/XXXX. As this is untrue, I have been paying the loan every month. Last XXXX and XXXX of XXXX I missed a payment due to unemployment. Instead of those 2 months only showing as late, XXXX, Transunion, and XXXX report from XXXX to present day as late every month when that is false. This is keeping me from getting a mortgage as a veteran. XXXX XXXX has even been paid by me for those 2 months of XXXX and XX/XX/XXXX. I will attach proof from my banking institution XXXX XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX, and XXXX, Transunion, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Also, I have attached proof of the payment to cover those Only 2 months late. I even have attached proof from XXXX XXXX that show I even made XXXX payments in XXXX. 

I am tired of being denied credit and having my rights violated. As a veteran, I should be treated fairly, as should anyone any consumer any American.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My issue is with XXXX, Equifax, and XXXX with a car loan company, XXXX XXXX in which each company reports lates since XX/XX/XXXX. As this is untrue, I have been paying the loan every month. Last XXXX and XXXX of XXXX I missed a payment due to unemployment. Instead of those 2 months only showing as late, Equifax, XXXX, and XXXX report from XXXX to present day as late every month when that is false. This is keeping me from getting a mortgage as a veteran. XXXX XXXX has even been paid by me for those 2 months of XXXX and XX/XX/XXXX. I will attach proof from my banking XXXX XXXX XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX, and Equifax, XXXX, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Also, I have attached proof of the payment to cover those Only 2 months late. I even have attached proof from XXXX XXXX that show I even made XXXX payments in XXXX. 

I am tired of being denied credit and having my rights violated. As a veteran, I should be treated fairly, as should anyone any consumer any American.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
My issue is with XXXX, XXXX, and Experian with a car loan company, XXXX XXXX in which each company reports lates since XX/XX/XXXX. As this is untrue, I have been paying the loan every month. Last XXXX and XXXX of XXXX I missed a payment due to unemployment. Instead of those 2 months only showing as late, XXXX, XXXX, and Experian report from XXXX to present day as late every month when that is false. This is keeping me from getting a mortgage as a veteran. XXXX XXXX has even been paid by me for those 2 months of XXXX and XX/XX/XXXX. I will attach proof from my banking institution XXXX XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX, and XXXX, XXXX, and Experian have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Also, I have attached proof of the payment to cover those Only 2 months late. I even have attached proof from XXXX XXXX that show I even made XXXX payments in XXXX. 

I am tired of being denied credit and having my rights violated. As a veteran, I should be treated fairly, as should anyone any consumer any American.

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 2023-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I notified XXXXXXXX XXXX of XXXX, CA, of my intention to vacate my apartment, with the lease ending on XX/XX/XXXX. However, I was incorrectly charged for days beyond my tenancy. I returned the keys on XX/XX/XXXX, as their office was closed on my move-out date. Despite this, XXXX altered my move-out date to XX/XX/XXXX, leading to unjustified prorated rent, insufficient notice fee and other move-out charges. 

Subsequently, XXXX sent my account to Fair Collections & Outsourcing Inc ( FCO ) for collections without providing me an itemized breakdown of these charges or notifying me of the debt. On XX/XX/XXXX, upon learning about the collection action from FCO ( letter sent dated XX/XX/XXXX ), I immediately disputed the debt, requesting a detailed validation, including specific charges and their justification. Despite my dispute, FCO reported the alleged debt to credit bureaus without any response. 

The actions taken by XXXX and FCO have adversely impacted my credit and have been conducted without transparency or due process. No effort was made by XXXX to clarify or validate the charges before escalating to collections. FCO, in turn, failed to adequately address my dispute before reporting to credit bureaus.

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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
All 3 credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All 3 credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, 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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All 3 credit reporting agencies are DISREGARING ALL THE PAPERWORK I HAVE SUBMITED ONLINE AND VIA US MAIL. THE RESPONSE IS WE HAVE RECIVED YOUR PAPAERWORK, BUT HAVE NOT UPDATED ANY RECORDS OR INFORMATION I HAVE ALLOWED THE 30 DAYS EVEN UP TO 45 DAYS TO INVESTIGATE AND PROCESS INFOMATION PER FAIR CREDIT ACT REGULATIONS PLESE HELP ON THIS MATTER, I AM A SINGLE MOTHER OF XXXX AND LOOKING TO PROVIDE AN ADDITIONAL INCOME FOR MYSELF AND XXXX CHILDREN. THANK YOU IN ADVANCE BEST, 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 2023-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank 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