vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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
Consumer complaint received 2023-06-16 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: TX

Complaint narrative:
My brother in law helped me opened up a Goldman Sacks credit card in my iphone in XXXX, I didn't use it much as I am XXXX XXXX XXXX and not good at using the fancy stuff. from XXXX I used it more, as it just showed up automatically on my phone. Initially I thought it is part of apple app and can deduct the amount from my app account. I didn't get bills as it is all in the apps and I didn't know where to find the bills. Then I got calls from GS when they became over due, I always paid off the whole balance. After a few times I realized I should set up autopay so I did and thought that I don't need to worry about it. Then a few weeks I was doing loan and I was told that I had {$700.00} over due, so I called XXXX and asked why I had a overdue balance when i have autopay which is supposed to payoff the whole balance. I was told that the autopay could only pay the current month balance and not prior balance, but nobody told me that when I set up auto pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
On XX/XX/23 XXXX PST I received a debt collection phone call from Navient . I spoke with the person about my missed payment and informed them I would make a payment on my lunch break. 

On XX/XX/23 XXXX PST I made a payment online. 

On XX/XX/23 XXXX PST I received another call from Navient for purpose of debt collection on the same account. I requested to speak to a Supervisor and it took a lot of talking to finally get transfered to a Supervisor. Once I spoke to a supervisor they couldn't find in their system that I spoke with someone earlier in the day. 

My payment was 10 days late in regards to the debt collection harassment I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
hey hows it going i have reviewed my credit report and, Ive noticed certain accounts where no reporting accurately. I was informed by the credit bureaus that the information was accurate. but that would be incorrect. Below ive left and attach files where you can see that the information is not reporting accurately XXXX XXXX, XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXXXXXX XXXX ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The information on these account are not accurate. EVenb after the bureaus stated they were validated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the 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 my 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 person knows 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 2023-06-16 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: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Mr Cooper has ALWAYS auto-drafted the correct mortgage payment amount, ON TIME, each and every month. I have bank statements to prove this ( {$950.00} amt ). 

XX/XX/XXXX, XXXX rec 'd a Mr Cooper system msg the payment was made, on time ( {$950.00} ). Unbeknownst to me, they attempted to pull {$970.00} on XX/XX/XXXX AND XX/XX/XXXX, as well!!! 

In XX/XX/XXXX I was told XX/XX/XXXX was NOT paid, so I was automatically removed from their auto-draft system ( not informed of this on the msg system I knew about ). Was told XXXX & XXXX were not withdrawn, either, so I needed to make 3 pmts to be current, which I made ( totaling $ XXXX ). When asked why this occurred, response was : " We switched our pmt processing firms so that was problem. '' " Will this be reported to the credit agencies? '' I asked. " No. Not at all. '' " Will I be charged any late fees? '' " No. '' " Okay. '' XX/XX/XXXX while trying to apply for loan I learn these WERE reported to credit agencies! I notified Mr Cooper immediately. After 2 weeks, I rec 'd a letter denying it was their fault! I again BEGGED for this to be corrected as it is costing me THOUSANDS of dollars in a higher mortgage rate, fees, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the 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 my 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 person knows 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 non-monetary relief
Consumer complaint received 2023-06-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the 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 my 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 person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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
Consumer complaint received 2023-06-16 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: Self Financial Inc.
State: GA

Complaint narrative:
The self credit card are emailing to make a payment when they had closed the account and sent a check back to me, They email me to pay a balance of XXXX. XXXX closed the account and i ask to opt-out and now its effecting my credit. the limited was a XXXX dollars charging late fee 's which are transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
Good afternoon, From Axos Bank ( routing XXXX ) Checking account ( XXXX ) to XXXX XXXX  ( XXXX ) Interest checking ( XXXX ) were transferred {$1000.00} dollars on XX/XX/XXXX. 

The XXXX XXXX checking XXXX was closed XX/XX/XXXX without somebody to contact me. I initiated this transfer, because I didn't know XXXX had closed my accounts. They never contacted me. 

This {$1000.00} should come back to my Axos Checking XXXX. I still have access to my online-banking at XXXX, and can confirm this amount is not visible at XXXX XXXX checking XXXX. The {$1000.00} are still missing from Axos Checking XXXX. 

I spoke several times with XXXX and XXXX agents. 
XXXX responded : " Dear XXXX, Thank you for contacting XXXX Bank. We value your business and are happy to help with your returned XXXX inquiry. 

Upon review of your profile, I see a returned ACH transfer of {$1000.00} on XX/XX/XXXX from Checking Account XXXX. These funds should have credited back to your external account by XX/XX/XXXX. Unfortunately, we can not provide further assistance with retrieving the funds as they are not in our possession. Please contact Axos and inform them that the funds were returned. If they can not locate the funds within their system, they may require that you file a new dispute so that they can process a chargeback from the XXXX system. I greatly apologize for any inconvenience this has caused. 

Thank you for choosing XXXX Bank. If you have any additional questions, we are here for you XXXX hours a day, XXXX days a week, by phone, XXXX XXXX, or Secure Messaging. Our toll-free number is XXXX ( XXXX ) or you can always visit us online at XXXX. 

Stay safe, XXXX XXXX. 
Customer Service XXXX Bank '' I have opened dispute case for it at XXXX. Here is the dispute : " XX/XX/XXXX @ XXXX PM Name : XXXX XXXX Dispute Reason : The money has been sent to my Ally bank account whicn was closed at XX/XX/XXXX. It's XXXX day ago the transaction itself. Ally bank account is : Account XXXX is XXXX and routing XXXX is XXXX. 
Account Number : XXXX Account Name : Checking XXXX Account Available Balance : {$210.00} Date Event : XX/XX/XXXX Transaction Description : XXXX Debit - XXXX XXXX XXXX XXXX XXXX : CHECKING XXXX : CHECKING Balance : - {$570.00} Transaction Amount : - {$1000.00} Transaction Date : XX/XX/XXXX '' Here is the conclusion : " We have completed our investigation based on the documentation we have on file and have determined that your claim will be denied because no error has occurred. 
Please contact the XXXX directly for resolution. 
For more information, please reach out at ( XXXX ) XXXX. 

Kind Regards, XXXX XXXX Axos Bank '' The complain is about : XXXX. {$1000.00} dollars which disappeared between two banks with an ACH transfer. 
XXXX. Ally bank closed all my accounts without a valid reason, and even without contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
ON XXXX XXXX I got a letter in the mail from a company named TRansworld SYstems attempting to collect a debt that I do not owe. I have never had an account with said company XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: FL

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called and spoke with a representative on a recorded line for my XXXX credit card ending in XXXX. The representative lied to me about the terms of the promotion and timing of receiving certain benefits. I messaged with Chase for the past two months. I requested a refund of the {$100.00} annual fee because of the misrepresentations made to me when I signed up. I spoke with multiple reps and secure messages and Chase ignored my requests and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: VA

Complaint narrative:
TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, Virginia XXXX XXXX : ( XXXX ) XXXX SS # : XXXX XXXX : XX/XX/XXXX RE : IMMEDIATE BANKRUPTCY DELETION To Whom It May Concern : After MANY failed attempts to have you update my credit file accurately, and, to delete those XXXX bankruptcies listed as DISMISSED, rather than XXXX in XXXX in which Ive apprised your company multiple times that I didnt file for bankruptcy EVER before. Id informed you that my vengeful ex-husband, XXXX XXXX a vicious attempt to damage me filed those XXXX XXXX bankruptcies in both of our names without my expressed permission. According to the XXXX Bankruptcy XXXX in XXXX, Maryland in which they were filed, the cases were dismissed because I wasnt present, nor was my state identification supplied. Therefore, this is XXXX. 
It goes without saying that your company is well-aware of the fact that I am a double minority, therefore, I am left to conclude that TransUnion is XXXX, actively, and selectively targeting and discriminating against, and perhaps indulging in some type of retaliatory practice. That is unacceptable, unethical and I wont stand for it. I will alert all media outlets of this injustice if this situation isnt remedied IMMEDIATELY. 
Furthermore, TransUnion is fully aware that these fraudulent items are adversely affected my credit rating by making it difficult/or impossible for me to get approved for a loan outside of predatory lending. I am currently susceptible to higher rates and terms on approved loans, costlier insurance, difficulty qualifying for a traditional cellphone contract, fewer credit card and loan options, difficulty getting a mortgage, trouble renting a place to live, fewer career opportunities, upfront costs for utilities AND delayed wealth and even retirement. 
XXXX doesnt have any bankruptcies listed on my consumer report. XXXX has removed those bankruptcies as well as XXXX XXXX. Also, XXXX emailed me and reported that they didnt furnish any bankruptcy information on me. 
Bewildered, XXXX XXXX XXXX *Enclosed : I have attached proof of my claims for your review and consideration.

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 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM A VITCIM OF IDENTITY THEFT. I HAD NO KNOWLEGDDE OF THESE ACCOUNTS. THESE ACCOUNTS LISTED ELOW WERE OPEN FRAUDELENTLY. 


XXXX XXXX XXXX # XXXX Balance {$500.00}. 
XXXX XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX Balance {$2100.00}. 
XXXX XXXX # XXXX Balance {$24000.00}. 
XXXX XXXX # XXXX Balance {$84.00}. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX. {$2500.00}. 
XXXX XXXX XXXX. Balance {$3300.00}. 

ATTACH TO THE COMPLAINT IS MY IDENTITY THEFT 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