vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I've had an Apple credit card through Goldman Sachs since XXXX of XXXX. In that time I have purchased four XXXX and one phone using the monthly installment plan. The first two XXXX were paid in full before the 12 month plan ended. The third was purchased on XX/XX/XXXX. I like to make early payments, or to pay more than I owe to lesson my debt. My accounts shows my first payment for this device posted on XX/XX/XXXX, with the 12th and final installment posting on XX/XX/XXXX XXXX my account shows all 12 installments posted on the day they were due ( I paid them much earlier ). The issue is, Apple is still charging me for one more month. 

If you look under any other device that still has installments due, it states " next installment on XX/XX/XXXX : $ $ $ '' For the XXXX in question, it does not say this, however it is still saying the reaming balance is {$33.00} ( what was posted XX/XX/XXXX as the 12th installment ). 

Now that a new month statement has posted, the {$33.00} installment should not be included in the amount due on XX/XX/XXXX. 

Goldman Sachs and Apple need to make their system easier to understand. It appears as if I am paying an extra month. I don't like to wait until the last minute to pay my bills. Goldman Sachs and Apple 's system for tracking payments makes life difficult for those of us who want to be responsible with our credit by making early payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S, C 1681 section 602 A. States i have a right to privacy.

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

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persons know or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have over 47 inquires on my credit reports that I did not make

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 2023-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Source Receivables Management is attempting to collect a debt of {$1400.00} that is not owed. The collection attempt was disputed XX/XX/XXXX with complaint ID XXXX and the status is closed. XXXX was the originator of inaccurate reporting and they responded on complaint ID XXXX. It was determined the collections should be removed from my credit report. As of XX/XX/XXXX, Source Receivables Management is attempting to collect again. The attempted debt collection is linked to a phone that XXXX claims was not returned, however, the return receipt from XX/XX/XXXX is attached. The customer service specialist at the front desk did not correctly enter the returned phone on my account after it was traded in. The receipt shows an Amount Due of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of aggravated identity theft, On XX/XX/2022 I have submitted the supporting documentation that the credit Bureaus asked of me certified mail the account was then removed then Re-Inserted without properly notification. Since then I've been constantly disputing this account and going back and forth with the creditor as well and still remains after asking for and not receiving verifiable proof with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: IL

Complaint narrative:
I am a victim of aggravated identity theft, On XX/XX/2022 I have submitted the supporting documentation that the credit Bureaus asked of me certified mail the account was then removed then Re-Inserted without properly notification. Since then I've been constantly disputing this account and going back and forth with the creditor as well and still remains after asking for and not receiving verifiable proof with my signature on it.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, Mo XXXX ] Employer : XXXX Phone Number : ( XXXX ) XXXX Social Security Number: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 2023-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-02 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: PA

Complaint narrative:
Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-02 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: TX

Complaint narrative:
this account XXXX XXXX XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: TX

Complaint narrative:
this account XXXX XXXX XXXX XXXX XXXX XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed

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 2023-07-02 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
this account REGIONAL ACCEPTANCE XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed.

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 2023-07-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted Experian 30 days ago via certified mail about the information on my credit report that was not accurate. I sent them my credit report I got from them with the section highlighted that was inaccurate. I also sent them a copy of the information from the Pacer court system to collaborate on the errors. I asked them to delete it according to the Fair Credit Act. So far no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: MO

Complaint narrative:
Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX XXXX XXXX XXXX  ] [ XXXX, Mo XXXX ] Employer : XXXX Phone Number : ( XXXX ) XXXX Social Security Number:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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: GA

Complaint narrative:
On XX/XX/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, XXXX XXXX XXXX. I never received a response back so I went to the company directly and mailed them a letter on XX/XX/23. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on XX/XX/23. I believe this is a lie, because today is XX/XX/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them. I have yet receive anything from TransUnion, XXXX, or XXXX about this account, and my credit report does not say that this account is in dispute either.

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 2023-07-02 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: CB1, Inc.
State: MT

Complaint narrative:
This account with CBB Collections is an account that was " assigned '' to them in XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX XXXX fraudulently opened an account in my name in the middle of XX/XX/XXXX after I had moved across the state XX/XX/XXXX because of XXXX XXXX XXXX XXXX XXXX. I did have an initial loan with XXXX XXXX XXXX  for a used SUV but I unintentionally defaulted on that loan after I moved. XXXX XXXX XXXX had repossessed the SUV in the middle of XX/XX/XXXX but spent the next 4 1/2 years adversely and fraudulently reporting to the credit bureaus not only on the account attached to the repossessed SUV but also on the second account they opened in XX/XX/XXXX AS WELL AS " assigning '' the fraudulent second account to CBB Collections who then began reporting negatively and continue to do so to the credit bureaus. After I discovered all of this on my credit reports, I tried multiple times to dispute with the credit bureaus only to have the results stay the same and on my reports. I finally filed complaints regarding XXXX XXXX XXXX as well as XXXX and CBB Collections with your company. The second, fraudulent account with XXXX XXXX XXXX  ended up getting deleted from my credit report with XXXX but the account from CBB Collections stayed as they " verified '' the account for CFPB and the initial account with XXXX XXXX XXXX was corrected and now states " Paid '' with a " Balance {$0.00} '' as well as " exceptional payment history. '' Now I'm having the same exact issues with CBB Collections and XXXX. The account with CBB Collections should be null and void and they should not still be reporting a balance of {$5800.00} owing as well as continuing to report on the account each month because the account that was assigned to them has been proven to be a fraud! They no basis on which to attempt to collect any amount of money on an account that technically did not exist! I want this removed from my report before I have to retain a lawyer and sue each and every company involved for preventing me from being able to secure credit and further build my credit worthiness on my good name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2023-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I bought a home using Freedom Mortgage for my loan. A year into the loan Freedom Mortgage sent my a check for {$1800.00} saying it was an overpayment reimbursement and that I was being overcharged by {$500.00} a month. After receiving this letter, I contacted Freedom Mortgage and told the there was no way my mortgage should be {$500.00} less and they must have made a mistake. They told me my account had been reviewed and the letter ws correct and my mortgage would be dropping {$500.00} a month and to cash the check they sent me. Several days later I called them again and told them they made a mistake and that my mortgage shouldn't be that low. Again, I was told my account had been reviewed and that my mortgage payment would be lowered and to cash the check they gave me. I cashed the check a month later and bought a new truck thinking I would have additional money with my mortgage payment being lowered. A month later Freedom Mortgage contacted me and said they had made a huge mistake and that my previous payment amount was the correct amount and that I had to pay them {$2000.00} ( from the {$1800.00} check they gave me ) to make my escrow account what it needed to be to pay taxes and insurance. Since then my account has gone up and down $ XXXX {$50.00} every two months. Last month I received a call from my insurance company stating the Freedom Mortgage hadn't paid the and that my policy would lapse if I didn't pay it. I contacted Freedom Mortgage to ask why my insurance policy hadn't been paid from my escrow account. Initially they tried telling me they had never paid my insurance but after proving to them they had been for the past three years I was told Freedom Mortgage would no longer be paying my home insurance through my escrow account and I would have to pay for it myself. The rep told me this was a new policy and no one would explain why Freedom Mortgage was stopping insurance payments. I then asked them what my mortgage payment would be since they weren't paying the policy anymore. Freedom Mortgage then told me my payment would remain the same and wouldn't be lowered to compensate for the nonpayment of insurance. I asked them to review my loan because it wasn't possible for them to stop insurance payments but keep my payment the same. I was told it would be 3-5 days before I received the review. Two weeks later they have not reviewed my policy. I was told by XXXX XXXX they were aware of what Freedom Mortgage was doing and that it was immoral, unethical and illegal. I would like Freedom Mortage to explain why they are refusing to pay my home insurance policy, why my payment isn't being lowered and where the additional funds in my escrow account have gone since they are paying app. {$1500.00} less a year from my home insurance policy. 

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