vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
on XXXXXX/XX/2022 I I was receiving phone calls form Goldman Sachs for not paying my monthly payment which i never used the card, and they want payment and late fee. I dispute these charges over the phone. they look into my account and contacted the Apple Inc for charges and they had no record that I authorized the charges so they reverse the charges and credited my account for those charges, all the charges was credited to my account so how I was late in my monthly bill? But Goldman Sachs still reported these charges against my credit to credit bureaus as a let payment that dropped my score from XXXX to XXXX. Once I found out contacted them and they promised to reverse the action but never did. This is not the first time they did this. once before the reverse their false late fee on the beginning of last year XX/XX/2022, because the could not produce monthly statement to me and I specifically requested a paper statement and never received any statement from Goldman Sachs. 
I was always getting monthly statement from all credit card companies but never received from Goldman Sachs. 
they promised me that they are sending me paper statements which I never received from them. 
I never signed for electronic statements. ever. with any company or lender always paper because I am visual person and not computer savvy. I don't use email very often

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
It has just came to my attention that there are multiple hard inquiries on my credit report. I see that the inquirys are not done by me. Ive never applied for any of those. I tried to contact XXXX, XXXX and XXXX on XX/XX/2022 via mail. No one ever got back to me and the hard inquiries are still there on my credit 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
Consumer complaint received 2023-11-12 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I checked my consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # which is attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize : 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

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 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
MOHELA/DEPT OF ED has 6 accounts currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputationMOHELA/DEPT OF ED The account is as follows : Acct XXXX 6 times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fail credit XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.7K 15 USC 1666B : A creditor may treat a payment on a credit XXXX account under an open end consumer credit plan as late for XXXX copy it and put it in that box ( a " and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Pursuant to 15 USC 1692g also known as the FDCPA, Affirm Inc was presented with a formal electronic notice disputing the validity of the alleged debt they claimed I owed. 
At no time was any validation paperwork.showing I signed any contract was ever produced. Therefore, under state and federal law, since it has been more than 30 days since the dispute was launched, the alleged debt is no.longer collectable and my rights under federal law have been violated by this being reported to the credit bureau. 
Also, I never stated I wanted no contact of any kind so this organization can stop lying before I seek out legal.remedies for their libelous verbiage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: GA

Complaint narrative:
I am a victim of Identity Theft. The information listed does not relate to any transaction ( s ) I have made.

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 2023-11-12 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: CL Holdings LLC
State: GA

Complaint narrative:
I am a victim of Identity Theft. The information listed does not relate to any transaction ( s ) I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My identity was stolen and so I have multiple police reports and a FTC report that proves that I didnt open an account with Comenity/ XXXX or XXXX XXXX XXXX They didnt have none of my correct information on file. Not my address. Not my phone number. Nothing. All they did was update it and verify it, but cant show me proof of verification. I literally sent so many different documents to prove it wasnt me and they ignored it and only update the information. These reports should not be on my credit file. These are fraudulent accounts and I took the proper steps to get it removed, so they shouldve been gone. Not updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: CA

Complaint narrative:
I received the email from the company concurring with what I am saying about the account and I receive the email from XXXX XXXX concurring what Im saying that my accusations are accurate. And I.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting an inquiry from XXXX that is due to be removed at this time

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 2023-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: MO

Complaint narrative:
Denied rental application XXXX XXXX XXXX  in Missouri due to a collections on an alleged account for {$1900.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX Capstone credit collections verified when i tried to dispute. I called Capstone and was told the originator was XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX was listed as co-occupant from XXXX I called apartment XXXX XXXX  XXXX XXXX XXXX spoke with someone stated " no would not know that cause we did not take over until XXXX, but yes we do. I immediately placed fraud alert on my report. Filed ID theft report. Filed local police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Incorrect or misleading information on rental history or rental application process. The company is through XXXX rental applications used by XXXX properties in central Virginia and surrounding areas.

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 2023-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uplift, Inc
State: FL

Complaint narrative:
Pursuant to 15 USC 1692g also known as the FDCPA, Uplift was presented with a formal electronic notice disputing the validity of the alleged debt they claimed I owed. 
At no time was any validation paperwork.showing I signed any contract was ever produced. The paperwork that was sent didn't establish validity as outlines under XXXX of XXXX XXXX XXXX nor under 15 USC 1692g ( FDCPA ) Therefore, under state and federal law, since it has been more than 30 days since the dispute was launched, the alleged debt is no.longer collectable and my rights under federal law have been violated by this being reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: NC

Complaint narrative:
I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. I am writing the CFPB here with serious concerns about my consumer report. I have deragotory account reporting incorrectly that should not be public information. I have incorrect late payments reporting that 1 ) I never gave the company or and credit agency permission to report 2 ) Late payments should not be public information as refernced in 15 US Code 6802 Obligations with respect to disclosure of personal information. I need this information changed and updated immediately as it is effecting my finacial livelyhood. 

THIS IS AGGRAVATED IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft. 

In addtion to it being agravated identity theft the following laws are being broke by all parties involved below : 15 U.S. Code 1666b - Timing of payments 15 US Code 6802 Obligations with respect to disclosure of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payment from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. I am writing the CFPB here with serious concerns about my consumer report. I have deragotory account reporting incorrectly that should not be public information. I have incorrect late payments reporting that 1 ) I never gave the company or and credit agency permission to report 2 ) Late payments should not be public information as refernced in 15 US Code 6802 Obligations with respect to disclosure of personal information. I need this information changed and updated immediately as it is effecting my finacial livelyhood. 

THIS IS AGGRAVATED IDENTITY THEFT 18 U.S. Code 1028A - Aggravated identity theft. 

In addtion to it being agravated identity theft the following laws are being broke by all parties involved below : 15 U.S. Code 1666b - Timing of payments 15 US Code 6802 Obligations with respect to disclosure of personal information.

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 2023-11-12 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: CA

Complaint narrative:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt-Balance claimed including all fees, interest and penalties-Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the XXXX in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

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 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NJ

Complaint narrative:
Prior to interest restarting and payments being due, I applied to switch my current XXXX plan from the XXXX to SAVE in order to benefit from its policy regarding interest. This application was submitted/received on XX/XX/2023. Shortly after, I saw that this document/application was canceled on my MOHELA account. I called MOHELA and the representative was unsure why my application was cancelled. Trying to rectify this, the representative verbally reapplied me for the XXXX plan, stating that this was an almost guaranteed route for faster processing and assured that since there is no income cap for the XXXX plan, denial is unlikely for anyone. I even confirmed that while my monthly payment would be slightly higher on the XXXX plan vs my current ( at the time ) XXXX I still wished to switch onto the XXXX for its benefit in reducing interest. Representative agreed and proceeded with submitting my over-the-phone, verbal application. This was submitted/received that night on XX/XX/2023. Although not necessary, I submitted a XXXX to re-certify my work of employment to ensure that everything was correct. This was submitted/received on XX/XX/2023. Another error was again made while in the process of processing my requests/applications as only a few of my loans were placed on administrative forbearance, while others remained in repayment. Additionally, and more concerning to me, I was then placed on the LEVEL plan. This is the standard plan, which I did NOT apply nor agreed to. On this plan, I would not receive credit for payments toward XXXX as it is NOT an XXXX plan. A few legal colleagues actually considered this fraud placing me on a plan that I did not apply for and therefore, increasing my monthly payments easily more than XXXX. I contacted MOHELA as soon as I saw this and the representative, XXXX, was floored when he saw how many errors were made on my account. He wanted to rectify this right away and submitted yet another XXXX XXXX to get me back onto an XXXX plan, more specifically, SAVE, the plan that I originally applied for. In doing so, he also made sure that all of my loans were placed on administrative forbearance during this process and they were. This third IDR plan application for XXXX was submitted/received on XX/XX/2023. Now, still waiting for all of this to be processed, I see that all of my loans have re-entered repayment today, XX/XX/2023, and are ALL still on the LEVEL standard plan. My next bill is {$680.00}, due on XX/XX/2023. I had even submitted a payment on XX/XX/2023 for {$540.00} just to manage my compound interest ( even though at that time, my loans were still correctly on administrative forbearance ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In early XXXX, I entered into a forbearance under the CARES Act where I was allowed to postpone my mortgage payments for a duration of up to a year due to XXXX hardship. 

However, after attempting to exit my forbearance and make a payment plan, as stated under the XXXX XXXX, XXXX Mortgage refused my payment plan and demanded payments in full. When I would try to apply for the payment plan, they would use every excuse possible on why I didnt qualify and instead tell me that I owed them over $ XXXX as a one time payment. 

During this process, I still continued to make regular monthly payments to cover my mortgage, including during the months of XX/XX/XXXX to XX/XX/XXXX. 

However, since the XXXX XXXX states that a mortgage company can not mark forbearance periods as late payments, XXXX Mortgage decided to work around this by instead counting the payments I would make towards different months. For example, the payment I made on XX/XX/XXXX would instead be applied to the XX/XX/XXXX payment, even though the payment was made by me towards the XX/XX/XXXX payment and not the forbearance amount, as that was under a XXXX XXXX application. 

They are currently reporting to my credit bureaus as my payments being late from XX/XX/XXXX to XX/XX/XXXX. I did make payments during these months and these payments were the exact payment amounts that were agreed upon. I was not late on my payments during the months reported. 

I submitted a dispute to Experian with the exact above information, but Experian did not update my information even after attaching the transaction history that shows I submitted payments for those months.

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