vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
I was scammed into signing a contract and taking out a loan with XXXXXXXX XXXX XXXXXXXX, who utilized Affirm 's services as part of their fraudulent scheme. This occurred on XX/XX/XXXX, I believe. XXXX XXXX XXXXXXXX misrepresented the terms and conditions of the loan. I've not worked for nearly 5 years and had serious misgivings about the loan, but when I they assured me that I wouldn't be responsible for the loan if I didn't go through onboarding. They had also promised me VERY warm leads ( which was actually just bugging people on a list of certain XXXX groups ), making it super easy to get all the qualifying calls I needed to get the loan taken care of. With that knowledge, I went ahead and signed the contract for the loan, but that night I still had misgivings and got in touch to tell them I didn't want to go through with onboarding and asked them to take care of them loan. By then, of course, they already had me. 

After realizing the deception, I attempted to dispute the loan with XXXX XXXX XXXXXXXX on Affirm. XXXX XXXX XXXXXXXX knew I was filing for about a week and tried to get me to cancel it, naturally. They also tried XXXX me, telling me they were going to submit evidence to Affirm about me saying something like 'Let 's just do it '. I DID say that, but they took it completely out of context. That was said AFTER they assured me about the terms of the contract. However, they weren't going to provide anymore of the recorded transcript and when I asked for the transcript myself to send to Affirm, they responded by threatening legal action against me unless I canceled the dispute. Feeling XXXX and XXXX, I complied with their demands. 

I have not received any resolution or refund of the fees and charges that were fraudulently applied to the loan. The amount in question is approximately {$7600.00} ( due to my " misunderstanding '' - which they said was COMMON- they offered to pay the first monthly payment of {$690.00}. ( The loan amount before the first payment provided by the company was {$8300.00} ) I am filing this complaint with the CFPB to seek assistance in rectifying this fraudulent activity and obtaining a refund of the unjust fees and charges. 

( I'm unsure if I should be filing this complaint against XXXX XXXX XXXX or Affirm or both, since Affirm DID have a hand in it. They allowed the fraudulent scam ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX Illegal account Account type : debt buyer Charge Off {$430.00} Date open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sc XXXX Your company is violating the FCRA by allowing this erroneous account information from XXXX XXXX XXXX to be reported incorrectly and inaccurately. The third party debt collector XXXX XXXX XXXX is in direct violation of the FDCPA, TAX Regulations, PRIVACY ACT OF 1974 and the FCRA. This company has no legal rights to a charge-off. As stated by the IRS, If your debt is forgiven or discharged, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. In general, if your debt is canceled, forgiven, or discharged, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax. 

The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction.

a Form 1099-C, means an applicable entity has reported an identifiable event to the IRS regarding a debt you owe.

15 usc 1681a ( 2 ) definition rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This explains that transaction ( payment history ) or ( experience ) chargeoff collection late payments between the consumer ( me ) and the person ( business ) making the report does not go on a consumer report. Furthermore showing how illegal this account is according to the fair debt reporting act.

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 2024-06-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
Ssi is not taxable or can be used to pay a debt per irs rules and persons XXXX XXXX can't pay a debt or loan.

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 2024-06-29 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: PA

Complaint narrative:
My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-06-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am invoking my right to dispute and investigate these accounts, as they are wrongly listed on my credit file. Under the Fair Credit Reporting Act, I should receive {$1000.00} for each incorrect report. I am aware that FCRA 605B requires us to report any inaccuracies in a consumer 's 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 2024-06-29 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:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-29 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:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have become aware that files accompanied by an FTC report are not being removed as required. Under FCRA section 605b, it is mandated by law that these items be deleted. Therefore, I am sending this certified letter to establish a legal record. If you do not remove the inaccuracies listed below, which are due to erroneous credit data, I will proceed with legal action through my attorney. My goal is to avoid litigation, so please comply with the law. Per FCRA section 605, you must remove any items listed in XXXX XXXX XXXX XXXX XXXXXXXX. I previously included this report and am including it again. My attorney is prepared to hold you accountable for noncompliance. Remove the following inaccuracies from my credit profile, as they were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If you assert that these items are accurate and verifiable, provide documentation with my signature. In the absence of such evidence, I request the immediate deletion of this information from my credit file. You have 4 business days to remove these erroneous items from my credit file. I do not consent to XXXX or any automated verification methods. I expect your prompt attention and a response within 4 business days.

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 2024-06-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recently reviewed my credit report and noticed the account was not reporting accurately. i had two late payments on the account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I'm requesting an investigation on this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: PA

Complaint narrative:
FCRA 605B mandates the removal of any incorrect accounts from my credit report. Kindly verify the documents, as some accounts are reported inaccurately with wrong amounts and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate your swift action in removing some of the errors from my credit report. Nonetheless, some items still need correction. This is my renewed attempt to dispute the remaining items in my credit file that resulted from incorrect credit report details. Once again, I am sending over an Identity Theft Report # XXXX. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you are required to remove any incorrect information in my file within 4 business days of receipt, provided you receive ( 1 ) appropriate proof of my identity and ( 2 ) a copy of the identity theft report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please be reminded that you have 4 business days to remove any information in my credit file resulting from alleged incorrect credit report details. I do not consent to E-OSCAR or any automated verification methods.

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 2024-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have become aware that files accompanied by an FTC report are not being removed as required. Under FCRA section 605b, it is mandated by law that these items be deleted. Therefore, I am sending this certified letter to establish a legal record. If you do not remove the inaccuracies listed below, which are due to erroneous credit data, I will proceed with legal action through my attorney. My goal is to avoid litigation, so please comply with the law. Per FCRA section 605, you must remove any items listed in XXXX XXXX XXXX XXXX XXXXXXXX. I previously included this report and am including it again. My attorney is prepared to hold you accountable for noncompliance. Remove the following inaccuracies from my credit profile, as they were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. If you assert that these items are accurate and verifiable, provide documentation with my signature. In the absence of such evidence, I request the immediate deletion of this information from my credit file. You have 4 business days to remove these erroneous items from my credit file. I do not consent to XXXX or any automated verification methods. I expect your prompt attention and a response within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: IL

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be BLOCKED AND DELETED. 

TransUnion LLC Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im writing to express my deep disappointment with the way my recent dispute was handled by Chase. This dispute pertains to a transaction dated XX/XX/year>, for {$500.00} with XXXX. The specific details of the transaction are as follows : order XXXX for {$410.00} and order XXXX for {$90.00}, total of {$500.00}, both placed on XX/XX/year>. 
There was no update on the orders for almost a week after they were placed. Upon contacting the seller through XXXX, I was provided with FedEx tracking number XXXX. The tracking information indicated a delivery to XXXX XXXX on XX/XX/year>, but nothing was delivered to my address. When I contacted XXXX, I was informed that my name and address did not match those associated with the provided tracking number, and they were unable to assist further. I have an audio recording of this call, which I can provide to support the investigation. 
I filed a claim with XXXX on XX/XX/XXXX and simultaneously with Chase. XXXX subsequently froze my orders and provided no further updates. However, Chase card dispute services conducted a superficial investigation, simply checking the online delivery status of XXXX tracking number XXXX. The delivery details indicate the package weight was XXXX lbs., while my order included XXXX bar stools and XXXX dining chairs, which should have weighed over XXXX lbs. Additionally, the delivery required a direct signature, and a person named XXXX, whom I do not know, is listed under proof of delivery. Despite these discrepancies, Chase concluded that the disputed charges were valid, and a rebill of {$500.00} was posted to my account on XX/XX/year>. 
I contacted Chase dispute services regarding this unfair outcome but was informed that my case had been closed and could not be reopened. The most frustrating aspect of this experience was that I was never contacted during the dispute process to provide additional information that could have facilitated a fair judgment. I was then advised to write a letter to request the reopening of my case, despite the evident misconduct by Chase card dispute services.

Company response to consumer: Closed with monetary relief