vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I purchased a vehicle on XX/XX/23 from XXXX XXXX dealership, and was unsure who I needed to pay. I called The dealership to ask what's the name of finance company so I can let them know that I was experiencing financial hardship, due to an eviction that occured on XX/XX/23 which left me without access to my mailbox and my car registration got lost or stolen. I was told by multiple people that they didn't have me in their system and it doesn't show I purchased a car from them, I checked my informed delivery everyday looking for something from XXXX or the lender that would at least give me an idea about who the lender was. I currently live in a hotel and they came on XXXX and repossessed my vehicle. At that time I didn't know if it was stolen or repossessed. I finally found the lender on the contract by the signature page but it didn't have a name, phone number, account # or address. I called Americredit on XXXX to explain the situation and was not given an opportunity to speak, the representative was very nasty, and refused to work with me, he advised me that I have until XX/XX/23 to pay {$1500.00} for XXXX and XXXX, which includes repo and late fees, I ask him if he could put payments on back end of loan so I would have a fresh start and can recover from my hardship I experienced with eviction, he said no and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian dispute report number XXXX for XXXX XXXX, 2023, is purposely in violation of the Fair Credit Reporting Act by furnishing INACCURATE personal information from my credit report. Experian has XXXX different names listed on my report but only XXXX name belongs to me and that is ID # XXXX, not ID # 's XXXX, and XXXX, those XXXX need to be deleted for INACCURACY. The address ID # XXXX is also INACCURATE and needs to be removed. The address ID # XXXX is correct. Only XXXX name, XXXX address, XXXX phone number, and only XXXX birth year need to be reflected on my Experian credit file for accuracy. If there's more than XXXX of each provided then the information is INACCURATE and in violation of my Fair Credit 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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXXXXXX XXXX, No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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:
XX/XX/23 and electricity account was opened in my name without my consent

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 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX  XXXX  Information Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX; you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
XX/XX/XXXX my husband and I got XXXX spark XXXX from XXXX XXXX XXXX and it wasn't a vehicle that we necessary wanted because it is too expensive with monthly payments and lower interest rate with being on fixed income and XXXX XXXX not that great. They said in 6 months we would be able to trade it in at lower monthly and interest rate as long as we make payments on time. If we didn't want to trade it in 6 months we would be guaranteed to refinance, and we have tried XXXX different refinancing and have been denied the first one was Ally and The second was Santander where we finance now at and the last one was Tresl which the underwriter was XXXX and the reason we are being denied according to XXXX XXXX XXXX from XXXX XXXX he said that because XXXX has cap on interest rates and it is 12 % and that state of VA XXXX on interested rate is 12 % that is why we can't get refinanced because our interest rate at this time is 29.99 % and XXXX XXXX and XXXX XXXX both told us from Easterns at the XXXX VA location, that in 6 months if we make our payments on time that we would have no problem with refi or trade and we are having problems getting it trade in or refi. we can't afford to keep paying {$530.00} a month and Easterns knew that because I verbally discuss this with them, and we submitted our rent lease and bank account and social security income. they prey on the poor and low income, and they LIE all time. I have contacted XXXX and XXXX to trade and they had us come out and look at another vehicle to trade and then they said it wouldn't be a trade it would be XXXX vehicle payments and I have been talking and going over everything with XXXX XXXX from Easterns and he advised us to come out and we have been approved for a trade in and then when we get there XX/XX/XXXX it isn't a trade in it is another vehicle and we declined because we can't afford another vehicle. We also put down our old vehicle and {$500.00} down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, 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 2023-10-09 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act, S

ection 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.

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 2023-10-09 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: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I have no knowledge of this hard inquiry. The hard inquiry is a result of identity theft and it must be removed within no later than 4 business days as per 15 USC 1681, c-2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 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: DISCOVER BANK
State: NY

Complaint narrative:
DISCOVER FIN SVCS LLC Credit Card with account # XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am certain that the item I disputed Is Incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact Information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal cas need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this rese be. 5 soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/1993 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I requested information twice once in XX/XX/2023 and the second in XX/XX/2023. The company respond only with a validation notice and disregard the information I seek and my right.

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 2023-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I have attempted to change my repayment schedule on my federal student loans thru Aidvantage several times. On the Aidvantage website, it says if you would like to exit SAVE repayment type and change to a new repayment schedule ( which is what I would like to do ), then you need to contact Aidvantage directly. I have sent Aidvantage two emails using the email provided prompt on their website stating the change I would like to make. My first email was sent on XX/XX/23 and I received an automatic reply stating that it was received and Id receive a response in two days. I never received a response. I sent a second email outlining the same request on XXXX, received an automatic response that my email was received and still have not seen a response. 
My first payment is due tomorrow under XXXX XXXX and I will NOT be paying it as Ive requested to change plans several times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2023, XXXX pm, I received an email congratulating me on my application for a Chase Freedom card, which I did not apply for. I checked my account and noticed a newly issued freedom card. I called XXXX immediately and asked them who, when, and where the application was submitted. I was told that the application was submitted through my online account near my workplace ( which has a Chase bank nearby ). However, I was absent from work this day. Also, I had double verification protection for my online account, which required a verification code sent to my cell phone. It would be impossible for others to access my account on my desktop at my workplace. I asked Chase to cancel the card and temporarily locked my online account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony bank reduce my Sam 's club available credit from XXXX to XXXX. The bank reasons were as followed. 
XXXX. My debt to available credit ratio was too high. 
At the time my debt to available credit was 17 %, well below the 30 % that credit counselors recommend not to exceed. 
XXXX. That the amount owed on mortgages had not been paid down enough from the time they were taken out. 
I only have XXXX mortgage and I have been current for the past XXXX years. 
XXXX. Too many credits inquire. 
In XX/XX/2023 I purchased a vehicle. The dealership sent out inquires to many finance companies and banks. As a consumer I should not be penalized for seeking the best term and interest rate. Finally, Synchrony bank ignored the fact the I was never late on payments, and generally paid the balance off each month.

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 2023-10-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased a sofa from XXXX XXXX  on XX/XX/XXXX, using my XXXX card through Bank of America. The amount was for {$3300.00}. I was told that my delivery date would be XX/XX/XXXX. XXXX weeks before delivery, I was told there was a delay. XXXX weeks later, I was told there was another delay of my product. By XX/XX/XXXX I received an email from XXXX XXXX  that they were dealing with financial issues and that " negotiations were ongoing '' and to wait 1 month to see if I was going to receive my couch. On XX/XX/XXXX I was notified that the company XXXX XXXX had been assigned to XXXXXXXX XXXX XXXX XXXX for restructuring. In order to receive my money back, I needed to complete a claim, which I did on XX/XX/XXXX. Meanwhile, XXXX XXXX  was purchased by another corporate entity and is now under new management. On XX/XX/XXXX I called XXXX XXXXXXXX XXXX XXXXXXXX for an update on my claim. I was told that the case is closed and no money would be returned to anyone who had made a claim. They recommended calling my bank. My bank, Bank of America said they can not complete a claim because it is older than 6 months. XXXX XXXX stole {$3300.00} from me.

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 2023-10-09 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: OH

Complaint narrative:
I was a victim of identity theft. I got a alert from my fico that someone has stolen my identity. They charged all of my credit cards without my permission. After stealing my identity, I would like all of these removed from my credit profile.

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