vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-06 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: CA

Complaint narrative:
I recently reviewed my credit report and I was shocked to learn that I have an account in my credit report that is inaccurately reporting. 

XXXX XXXX is violation 15 U.S CODE 1692d- Harrassment or abuse

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Hello they reported me for late payment which is not correct i asked them to correct it and they don't even provide which steps they took and proof of late payment i want them to correct it to on time payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
XXXX, OPP LOANS ACCT XXXX is breaking the consumer law pertaining to and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT be corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
This debt is not mine ; the debt collector can not provide any proof the debt is mine as outlined in the FCRA. They can not provide any paperwork proving this is my debt, a signed document or anything. 

Additionally, the debt collector has been using unethical practices to intentionally cause damage to my credit causing financial burden and effecting my mental health. They continue to cycle back and forth anytime I dispute the debt between the names " Wakefield and associates '' and " Choice recovery '' ( both of companies are the same as " Choice recovery '' has been acquired by " Wakefield and associates '' in 2022 and are both reporting the same debt ). Every time they do this It causes my score to drop for the same unverified debt causing severe damage to my credit and making it impossible for me to qualify for credit, more specifically a home loan. Not to mention they are currently reporting the same debt twice on my credit report. 

Furthermore, neither " Wakefield and Associates '' or " Choice recovery '', are licensed to collect debt in the state of North Carolina as required by law here. A cease-and-desist letter has been sent to them to discontinue any further reporting on my credit report and harassment communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 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: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
For XXXX months now i've been trying to resolve a factual fraudulent goldmanSachs XXXX, XXXX. Escalating several times with GS XXXX representatives, as GS XXXX XXXX XXXX charge to my card and then taking it off XXXX times now, over XXXX months. when I try to escalate by requesting to speak with the actual security department or leadership all attempts fail and the XXXX reps simply reopen the same dispute the same way, as if previous disputes never happened. I now have XXXX different dispute numbers as it's the only thing the GS XXXX gatekeepers will permit to occur. This is after going through approximately XXXX reps each attempt to call or chat as the GS reps simply drop off or disconnect when I say that i want to speak with a security rep about the existing dispute closed. 
In addition, I've asked for the documentation proof for the reason in putting the charge back on my card. GS mails to me completely made up pieces of paper and fake invoices with erroneous details not relative to me, & false/invalid tracking numbers. As if there is no GS auditing dept, no actual GS staff ( humans ) reviewing disputes for quality control, no validating of the proof I submitted that it's a fraudulent transaction. Further there is clearly no one at GoldmanSachs validating anything they mail to customers via XXXX. XXXX mailings GoldmanSachs attempts to use as proof needed to continue to charge customers for fraudulent transactions, but is merely papers made up out of the twilight zone. This is beyond a reasonable doubt the most fraudulent process of handling XXXX disputes & needs to be escalated to not only GoldmanSachs, also XXXX and XXXX corporate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased and received approval for a XXXX XXXX XXXX and the payment was XXXX and on XX/XX/XXXX I received a letter in the mail saying that the loan was not approved XXXX XXXX XXXX XXXX and JP Morgan Chase. The car payment and the insurance were paid XXXX weeks before the first due date and they removed the money from the account. The new approval was for XXXX and the original approval was for XXXX. I consider this fraud considering the financing was already approved and I already made the first payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MD

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy. Pursuant to 15 USC 1681 b2, this company has no permission to report anything using my information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: MD

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy. Pursuant to 15 USC 1681 b2, this company has no permission to report anything using my information pursuant to 15 USC 1681 4.

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 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looking through my credit report and saw some hard inquiries that do not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 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: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
I was not aware or told the interest would be as high as it is or that it was biweekly payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
In XXXX of XXXX I opened an account with XXXX for a title loan on my vehicle ( roughly {$10000.00} ). The fee schedule was explained to me loosely and never once was I told that with late payments the balance on said loan would increase and no difference would actually be made on total owed AFTER payments are made. In XXXX of XXXX I called to get a payoff quote and found the amount has not changed, additional months had been added to the end of my agreed upon extensions, and that there was no end in sight to actually pay it off. Loanmart charges near 100 % interest which I believe is illegal. They got almost {$20000.00} for my {$10000.00} loan in 2 years, and still quickly repossessed the vehicle once payments were behind. Not even 60 days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint to Transunion. 

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The XXXX reporting agencies are also in violations of ... XXXX XXXX XXXX section XXXX A. States that I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. I also have a FTC report that was submitted to Transunion and clearly disregarded. 
Please remove XXXX ( XXXX ) - ( XXXX ) XXXX was removed and illegally place back on credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also, Transunion took more than 30 days to complete my investigation 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 non-monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This company has refused to provide a copy of the purchase agreement, bill of same and the chain of assignment for the debt. A certified letter was sent to them in XXXX of 2023, the company chose to not respond and furnish unverified information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, along with the Privacy Act, the listed account below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under 15 U.S.C. 1681b, 15 U.S.C. 1681, and 15 U.S.C. 1681s-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

I never expressed a written or verbal consensus authorizing Experian XXXX XXXX to publicly report my personal and financial information per 15 U.S.C. 1681b nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681 and 15 U.S.C. 1681s-2. This is an infringement upon my identity, privacy, protection, and rights.

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 2024-01-06 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am not liable for this debt of {$440.00} with ( MIDLAND CREDIT MANAGEMEN ) Account Number : XXXX | do not have a contract with MIDLAND, nor am I responsible for the debt.They have been falsely reporting this debt on my consumer credit report since XX/XX/2023. They have failed to provide proof showing the debt belongs to me nor did they ever provide me with the original contract as I requested my wet signature and ID verification.Under the Fair Credit Reporting Act, XXXX XXXX. XXXX and XXXX XXXX XXXX. I would like this removed from my credit consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was gifted a {$100.00} gift card, from Amexgiftcard.com Ive tried using the gift card at numerous retailers, such as XXXX, XXXX, XXXX and even tried to add it to my XXXX account to send money. None of these worked and the payment is declined. 

I attempted to load {$50.00} on my XXXX account on XX/XX/XXXX - payment was declined. 
I attempted to load it in my XXXX on XX/XX/XXXX - the transaction was {$97.00} and change ( was trying to account for 3 % transaction fee ) - didnt work. 
The XXXX transaction I attempted was {$55.00} on XX/XX/XXXX. 
After that didnt work, I attempted a XXXX XXXX for {$59.00} on XX/XX/XXXX. 

The Amex website has a Help section with only a bunch of FAQs and a phone number. Ive called the number and request to be connected with a customer service agent and am put on hold indefinitely, never able to connect with anyone. 

This seems like a complete scam. I can see that the website tracks the transactions Ive tried to make because Ive seen the balance go down by about {$0.00} to account for the transaction fee from, say, XXXX. After several business days the balance returns to the full {$100.00} because the retailer rejected the payment method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Every time ( at least XXXX instances ) that I try to log into my Barclays XXXX XXXX XXXX account on-line over the last 3 months, I have had to waste XXXX minutes re-setting my password just to access my on-line credit card account AT ALL!!! I know I am typing the correct password EACH time since I save it onto a master XXXX spreadsheet. This is BLATANT, UNETHICAL, and FRAUDULENT retalliation for my filing a small claims court lawsuit about 7 months ago against Barclays, on which they paid my FULL demand to settle out of court. 

XXXX XXXX XX/XX/24

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 2024-01-06 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: NC

Complaint narrative:
Since pulling a copy of my Consumer credit report 1 year ago, I noticed that this credit reporting agency was and still is in multiple violations and I am entitled to monetary compensation Under FCRA United States XXXX XXXX XXXX XXXX. XXXX ( XXXX ) Notice of Results of Reinvestigation. 

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the noticed under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. 

For the better part of a year, this agency stalled, neglected to respond, and failed to provide me with proof of in detailed actions ( signed contracts, itemized bills, etc. ) taken by this agency to verify the debt from the creditor, Resulting in an unbearable financial impact on me and my family and inability for me to qualify for a home loan. I have kept proof of every letter sent, the XXXX this agency did not respond, did not comply with proper deadlines and receipts of the financial burden this has caused me while disputing these inaccuracies. 

I myself have been able to spot inaccuracies, fraudulent reporting and even cycled ( cycling back and forth the debt under XXXX subsidiaries owned by the same company ) and doubled reporting by a certain collection agency on my credit report. 

I've also noticed the following XXXX. Lack of Validation : I have not been provided with sufficient validation or verification of this debt as required by the FCRA. I demand this be removed since you have failed to provide detailed information validating the debt, including the original contract or agreement with my signature, proof of the debt 's ownership, and documentation illustrating the chain of ownership. 
XXXX. XXXX XXXX : The reported charged-off amount and related dates do not accurately reflect the account 's history. There are discrepancies in the reported amounts and timelines, which contradict the actual details of the account. 
XXXX. Compliance with XXXX XXXX : The reported information does not comply with the FCRA 's reporting guidelines. There XXXX be violations in reporting this information, leading to inaccuracies on my credit report. 
XXXX. There is a fraud alert on my account since 2018 where proper documentation had been provided at the time to protect my identity.

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 2024-01-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This agency is violating my consumer rights by furnishing adverse items to my consumer report other then those allowedby law. XXXX XXXXS Code 1681c ( a ) Information excluded from consumer reports : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have continuously attempted to assert 15 U.S. Code 1681b - Permissible purposes of consumer reports, 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 instructions of the consumer to whom it relates. The consumer reporting agency has denied me my federally protected right dictate what may be on my report stating I have no right.

By denying me the opportunity to exercise my right and continuing to furnish information without my expressed permission they have assumed my idenity as the consumer which is identity theft, which is defined by 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority My privacy has been continuously violated under The Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07 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: NC

Complaint narrative:
This agency is violating my consumer rights by furnishing adverse items to my consumer report other then those allowedby law. 15 US Code 1681c ( a ) Information excluded from consumer reports : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have continuously attempted to assert 15 U.S. Code 1681b - Permissible purposes of consumer reports, 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 instructions of the consumer to whom it relates. The consumer reporting agency has denied me my federally protected right dictate what may be on my report stating I have no right.

By denying me the opportunity to exercise my right and continuing to furnish information without my expressed permission they have assumed my idenity as the consumer which is identity theft, which is defined by 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority My privacy has been continuously violated under The Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains

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