vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my GM FINANCIAL - XXXX :. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: TX

Complaint narrative:
I pulled a copy of my credit reports from TransUnion, XXXX, XXXX and notice many fraudulent and erroneous accounts. I DID NOT ORIGINATE OR AUTHORIZE these fraudulent accounts to be posted on my credit report, please remove them within XXXX business days of receipt of this letter on clear grounds of Identity Theft Pursuant to XXXX XXXX XXXX. Also, Update my XXXX XXXX immediately pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ). DELETE INQUIRIES : XXXX, XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE PREVIOUS ADDRESSES : XXXX XXXX, ADD CORRECT NAME ( ALL ) BUREAUS : 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 2024-05-24 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: TX

Complaint narrative:
I pulled a copy of my credit reports from XXXX, XXXX, Equifax and notice many fraudulent and erroneous accounts. I DID NOT ORIGINATE OR AUTHORIZE these fraudulent accounts to be posted on my credit report, please remove them within XXXX business days of receipt of this letter on clear grounds of Identity Theft Pursuant to XXXX XXXX XXXX. Also, Update my XXXX XXXX immediately pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ). DELETE INQUIRIES : XXXX, XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, Bank of XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE PREVIOUS ADDRESSES : XXXX XXXX, ADD CORRECT NAME ( ALL ) BUREAUS : XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Hello Citi bank has my money locked in my account because of a verification code they keep saying they sent I have even went into the bank in person showed all identification possible and yet I can not withdraw my funds. When I call by phone the agents hangs up the phones and say please call back once u can verify yourself. They have sent codes to the numbers on file I verify them all correct and they still will not unlock my account pleas help me get my money out of Citibank

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 2024-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I received a notice ( physical mail ) from my mortgage company about upcoming changes to the transfer of the servicing of my mortgage. I had questions about the notice such as whether I need to make changes to the online account, payment process, etc. I decided to call the customer service number provided in the letter to ask for clarifications. This was the first time I try to call the company since the my mortgage was transferred to them XXXX years ago. To my surprise, this " customer service '' number is automated only. It does not allow you to talk to a human being. Apparently, I am not the only customer having this problem with this company by searching online. I was able to find additional numbers online. When I call these numbers, all of them lead to same automated system. One number is for " social media executive team! '' - there is no human being still. When I called my home insurance company ( XXXX ) to notify them of the upcoming changes, I was told that " Mr. Cooper is notorious for not having no one to talk to ''. 

So a massive financial institution with the size of Mr. Cooper ( XXXX employees ) does not have human beings to service their customers. What am I missing here? In my life I dealt with at least XXXX different mortgage companies. This is the first with no customer service. This is not acceptable and shouldn't be allowed. I assume that customers have the right to contact their mortgage companies and talk to a human being and questions. The phone numbers to the human beings should be included in a notice such as the one I received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: WI

Complaint narrative:
Upon pulling my credit report back in XXXX, I noticed multiple fraudulent accounts on my credit report. These accounts do not belong to me. Who are these companies? I also have never given my personal information to anyone. These accounts need to be removed immediately. 

XXXX XXXX XXXX with a balance of {$4600.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX with a balance of {$260.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX with a balance of {$560.00}. Posted XX/XX/XXXX Acct # : XXXX XXXXXXXX XXXX XXXX posted XX/XX/XXXX Acct # : 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 2024-05-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: PR

Complaint narrative:
I took out a loan to be able to study for my XXXXXXXX XXXX in XXXX for {$15000.00}. It began to be paid in XXXX and I am being charged a penalty amount to such a point that being in XXXX I still owe {$12000.00}. Every month they increase my payment amount. Payments started at {$180.00} and are now up to {$230.00} every month. When I enter the application I see that they charge me 2 interests, the first of XXXX fluctuating month to month and the second of about {$130.00} fluctuating month to month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I received a notification XX/XX/year> that a new collections account was added to my credit profile. AMSHER COLLECTION SERVICES never sent me any notification by mail informing me of my right to dispute the information before it was reported to my credit report, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This account status is closed on XXXX and has been for a while. However, XXXX and Transunion continues to report the account as open. Since the same data furnisher is used, these accounts are inaccurate. This inaccurate information is reporting and is hurting my ability to obtain credit. XXXX and Transunion failed to investigate this account properly and their neglect has violated my rights. I am demanding a deletion of the following accounts : 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I received a collection of letters from this company that I have no relationship to. 
Calvary portfolio services has no authorization and I have no business contract with them I submitted a letter on this years ago and this was deleted as they had no legal contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
Hello, Im writing to manifest Proper action. Ive received countless measures of communication from Debt Collector William Rush & associates. On XX/XX/year> I requested the company not contact me via text message regarding the matter anymore or there Will be a violation fee of {$1000.00}. The company responded and verified that the information was noted into my account. On XX/XX/year> I received communication Via text message from this debt collector once again regarding the same matter. This was a complete violation of my consumer rights and my request. On XX/XX/year> The representative of William Rush and associates Received a certified letter from me that was signed for. In this letter signed and received by the representative were The violations to my consumer rights, Photo proof of the text Communications and violations, And also an invoice in the amount of {$1000.00} to be paid Upon receipt of the letter. No further actions have taken place. I reached out to this debt Collector via phone and spoke with the companies representative Who is in charge of receiving certified mail. Although her signature is signed on my return receipt for my certified mail, she states that she never received Notice. She requested that I email a photocopy of my return receipt to ( XXXX ). I provided a photocopy of the return receipt on XX/XX/year>, As well as everything that the letter and invoice included. Ive received no response nor payment to satisfy the violation cost. I am reaching out to you to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-05-24 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: CarMax, Inc.
State: PA

Complaint narrative:
I called these companies that are reporting inaccurately on my credit report and they have refused to send me any paper work regarding legitimacy of this account. I asked for the original contract and have yet to receive it. This account is impeding me from applying for new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services . Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: AL

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.

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 2024-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
The company NEVER called to discuss the escalation to the cfpb!! They closed my complaint with no explanation or response attached! They have yet to resolve my issue with the lack of service, unprofessionalism, and unfavorable policies for hardships! See complaint below : XXXX I contacted Nissan motor acceptance via chat first XX/XX/24. After going through a grueling authentication process, I asked for a supervisor.I even advised, maybe the salesman had listed something other than what was provided at the POS. XXXX just remained adamant at getting the exact authentication, regardless of providing my middle initial vs middle name. I verified what was on file, and requested it be updated as i have provided in the chat. Sure it wont be, but its on file. XXXX never answered my question directly, which was initially regarding payment options. She likes to answer questions with questions! The agent wasnt able to transfer, advised me to call in. She was most unhelpful, and replied with automated information NOT pertinent to my inquiry. She then proceeded to put me through a questionnaire for a process she knew I didnt qualify. Given how familiar she was on my account history, and that no payment had been received! Mind you, the first payment wasnt due until 45 days after purchase! The current payment is 10 days past due. Her only concern was getting the payment! XXXX gave no other relevant alternatives, and a non apology! Just un empathetic, unprofessional! I then call in, am disconnected after a 5min hold. I call back and speak with a great representative, who went above and beyond to take ownership of my concerns. I maintained wanting a supervisor. He transferred me to the escalations team, who after another excessive hold, disconnected at pick up! I wish Id never left XXXX, as nissan doesnt have favorable policies for consumers experiencing financial hardships! The customer service is terrible, I actually would love to be transferred back yo my previous finance company!! Actively seeking information if this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief