vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I reached out to Goldman Sachs/Apple Credit Card . First of all, no one was available to get on the phone. I had to go back and forth by chat which was quite ridiculous. 

Second, I paid my card on time on XX/XX/XXXX. Which was a Saturday. They did not record the payment until XX/XX/XXXX, which is a Sunday. 

I was charged interest and penalties in the amount of {$38.00}. 

They then claimed that I had to pay my card off in full ( including amounts that were not even due yet ), otherwise they would charge me interest on the entire balance. 

When I reached out to a supervisor, they explained that they could not credit my account and had to escalate this to senior management. 

Included is the message, I received : I completely understand and in order to be credited there is a review by our management team that is required beforehand. 

I understand and would love to provide you the information needed : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Associated the below details will be needed as well : Full name Email address associated with the account Full card number Account number Dollar amount of the suspected error ( if applicable ) Description of the problem Explanation of why the suspected error occurred I recognize that this is not the immediate resolution that you may be looking for, but I did want to provide you with all the information available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
FCRA 15 U.S.C. 1681i : ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. 
I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY 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 2023-10-02 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: CA

Complaint narrative:
I am writing to file a formal complaint against Experian and XXXX for their failure to provide proper debt validation concerning a XXXX account, account number XXXX, which was purportedly opened in XX/XX/. Both of these credit reporting agencies are currently reporting this account as " charged off '' with a balance, which is not accurate. I have taken steps to rectify this issue, and XXXX has already removed this account from their records, further emphasizing the inaccuracy of the information provided by Experian and XXXX. 

My primary concerns regarding this matter are as follows : Inaccurate Reporting : Experian and XXXX are reporting the XXXX account, XXXX, as charged off with a balance, which is not only detrimental to my credit score but also entirely false. XXXX has already acknowledged the inaccuracy and removed this account from their records, and I believe that all credit bureaus should maintain consistent and accurate information. 

Lack of Debt Validation : Despite my repeated requests, Experian and XXXX have failed to provide adequate debt validation for this XXXX account. I have disputed the accuracy of this account, and both agencies claim to have validated it through XXXX. However, I have personally confirmed with XXXX that they are unable to validate the existence of this account, casting doubt on the legitimacy of the information provided by Experian and XXXX. 

False Address Association : The address associated with this XXXX account does not belong to me. This erroneous association further raises concerns about the accuracy and reliability of the information being reported by Experian and 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 2023-10-02 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: NY

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. 

XXXX XXXX in the amount of {$1400.00}, has violated my rights. XXXX XXXX in the amount of {$0.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$3800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$800.00} has violated my rights. XXXX XXXX XXXX XXXX in the amount of {$810.00} has violated my rights. 

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 explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

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.

has violated my rights. Or a list of inquiries : 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 2023-10-02 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: MS

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.

has violated my rights. Or a list of inquiries : 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 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
On or about XX/XX/XXXX  I received a letter from a company called Harris & Harris claiming that I owed a Illinois state tax debt in the amount of {$1000.00}, Interest in the amount of {$100.00}, a penalty in the amount of {$260.00} and a " collection fee '' in the amount of {$220.00}. 

My first complaint is that this was the first correspondence from this company and in violation of the Fair Debt Collections Practices Act, the company never once stated in that correspondence that I could ask for verification of this alleged debt, which this debt collector was obligated to inform me of. Instead this company lied stating " This matter is serious and must be resolved immediately '' which is untrue as I have 30 days to ask for verification of the alleged debt, including the amount and the company must respond before taking any actions. Harris and Harris knows this yet choose to violate the law. 

My second complaint, is that all of the " alleged '' debt amounts is incorrect, which Harris & Harris is aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: DApps Platform, Inc.
State: MA

Complaint narrative:
Twice Trust Wallet lied. Complaint XXXX and XXXX. TRUST WALLET never replied or send me responses about my complaint. I have all the screenshots and emails with no responses. On my last complaint TRUST WALLET says that they know about this scam, but they dont do anything to protect their customers. They have failed to fill their obligations. Moreover, on their website they say that they keep your XXXX  safe from hackers & scammers. One more time they lie. I never received any scam email or click on any emails received from an unknown person. I didnt visit any fake, or scam website. My money was on my trust wallet account without any specific transactions on it. My money was just store there. Moreover, TRUST WALLET reported a list of $ XXXXway below the {$1400.00} reported to them and the proofs I sent. XXXX XXXX XXXX XXXX Also a demand letter was sent to TRUST WALLET with signature. They never replied to it. I have now reported TRUST WALLET action to the FBI and to the Massachusetts Attorney General 's Office. Its time for them to take their responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Company has been incorrectly reporting to me a score based on 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 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A credit card from several years ago for a company no longer in existence was charged off. Bank of America deducted {$2800.00} from my account today which leaves me unable to pay rent. When I called them they said they were sorry and there was nothing they could do about it. I asked if I can set up a payment arrangement and they said yes and that if I did, that would make it so they don't take all but {$100.00} from my account. I asked If I did that, would they reverse the charges and set up the payment arrangement they said no because the deduction is still " pending '' and there was no payment arrangement in place. I told the representative I was not told to set up a payment arrangement nor that if I did that it would stop the payments from taking all my money and leaving me with only {$100.00}. As far as I'm concerned, Bank of America committed fraud and has now put me in a position of becoming homeless as a result of their inability to communicate my ability to make payments and instead withdrew all the money in my account leaving me with {$100.00} and no rent money.

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 2023-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I've been trying to get in contact with Aidvantage because I shouldn't have to make payments on my loan while I am in school. This was assured to me by the Financial Aid department at XXXX XXXX XXXX. I am currently taking over 6 credit hours of classes and so not only should I not be accruing interest on my loans but also I shouldn't be getting notified to pay them until I've been out of schooling for 6 months. I did not take any summer classes as those aren't fully covered by student loans. 

I attempted to call Aidvantage today in order to settle this only to be put on hold by a machine for an hour only to be hung up on, but also when I tried calling back they didn't answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, I attempted to pull my Equifax credit report but was unsuccessful. I can log into Equifax but there is an error message stating, " Your Equifax credit report summary is currently unavailable. Please call our Customer Care team at ( XXXX ) XXXX or try again later. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 2023-10-02 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: IL

Complaint narrative:
Transunion XXXX XXXX has violated my FCRA RIGHTS ( DELETE ) All Non account Holding inquiries as i did not authorize permission victim of identity theft Victim of identity theft DELETE Fraud FTC Report attached under law 15 USC 1681 Section C ii also 15 U.S code S 1681c 2 the removal of fraud reported by consumer be deleted in 4 days or CFPB VIOLATION occurs 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( DELETE ) All Non account Holding inquiries 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 non-monetary relief
Consumer complaint received 2023-10-02 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:
XXXX Account Ending in XXXX XXXX  XXXX Account Ending in XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account Ending in XXXX XXXX XXXX Account Ending in XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Under the Fair Credit Reporting Act conversion Account numbers has violated my rights. 

Per 15 USC 1681 SECTION 602 A, it states that I as a consumer have the right to privacy when it comes to my credit report. These Account numbers are violating my rights to privacy.

Per USC 1681 SECTION 604 A section 2, also states that I have the right to not have my information published with my consent or my written instructions, and I as a consumer have not given any credit report that right to published my information by oral or written 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 2023-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PayTomorrow, LLC
State: MI

Complaint narrative:
I first two response were unaccetable pertianing to my complaint. as if you do simple basic math which I'm not going to do for them there has NEVER been any time where i was 60 days over due. they have half a dozen late payments posted and XXXX is the only company reporting inaccurateness from pay tomorrow. Why? Because XXXX and XXXX can clearly do math. if this is not resolved we will address the issue in small claims court and we will simply sue you for the damage you have caused as my credit is nearly a XXXX not XXXX because of your inaccurate posting. I'm being denied use of my credit because of your inaccurate posts of being over 60 days late which never happened. Ive provide my bank statements that show payments were always made as they are automatic withdrawals from my account and you use my routing number. I have never made a payment you take them yourselves. 

they have the documents already ive sent them several times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield is a third party debt collection company wanting to collect a debt from me that they purchased, I never received a debt validation letter from this company never received anything from this company other than phone calls asking me to settle the debt.. I tried to reach out to them via phone and was directed to another third party company representing Hunter Warfield.I was asked personal information when I explained that I was seeking debt verification from Hunter Warfield.. Basically I was refused access to a representative of the company directly unless I verified personal information and I refused please help with this matter.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 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. 
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 that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : GM FINANCIAL {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation