vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

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 XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/22 I called Mohela to voluntarily pay off several of my student loans during the covid pandemic forbearance period. The agent that I reached verified the amounts to be refunded to me which is the amount of {$17000.00}. I asked the agent for confirmation number or a receipt. However, did not receive a receipt or confirmation number that the refund had actually been initiated. I was told to check my account periodically and so far nothing has changed and it is now XX/XX/22. I have tried several times to connect with an agent with over 2 hours of waiting on the phone and they have not seemed to be able to tell me what is going on with my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
Around XX/XX/2021, I fell victim to two multi-layered scam operations run by " XXXX '' who supposedly represented XXXX which involved me making deposits for a total amount of XXXX XXXX from my Gemini account to fraudulent investment firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
They are a third party collection i am not obligated to pay this debt to this party. It is no contract with me and this party. According to the fair credit 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 2022-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
GM Finanacial put a 30 day late on my credit report for XXXX of XXXX The company I work for pays the payment and they have stated that the payment was made at the same time every month as normal however the mail delviered it late or GM Financial processed late. 

In addition, GM Financial did not have the correct phone number on my account and I had called in two separate times to make this update and they did not update even after they had already reported this late payment I had an XXXX  score prior to this. I have never made a late payment in my life. 

Please take a look at this and help me. GM Financial is so difficult to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my 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 non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, 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:
My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my 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 non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, 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:
My personal information was used without my knowledge or consent due to several agencies having a major data breach. There have been auto loans, peroneal loans and credit cards and inquiries that have been reporting on my credit report and I have just recently just become aware of these items. I have disputed these items with the credit agencies over 45 days ago and I haven't received a response nor when I have called the agencies are unwilling to look into the matter by stating that give it some more days for them to receive the disputes. I know it doesn't take over 45 days for them to receive and perform an investigation into the allegations of misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: TX

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. 

ONEMAIN - Account # XXXX The above account have violated my rights. 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 2022-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc.
State: AR

Complaint narrative:
Letters were sent on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 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 2022-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Case Number XXXX is NOT my debt I never had a XXXX credit card and Calvalry is trying to sue me for something that is not mine. I never opened authorized or used a XXXX Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been closely monitoring my credit for the period of six months and requested for a validation of each fraudulent accounts listed on my report to be verified and validated with the original promissory note/letter. 
I received no remedy of result from this request. 
As time ensued, I discovered multiple consumer violations of 15 USC subsection 1681 ( c ), 15 USC subsection 1681g ( a ) ( 5 ) of which my information was sold causing me financial setback having negatively affected my acquisition of various items of necessity. Violation of 18 USC subsection 1028 A ( 1 ) where the knowingly transferring of my private identity without lawful authority. Several violations of Permissible Purpose reports 15 USC subsection B, where I gave no authority for reporting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
I have been closely monitoring my credit for the period of six months and requested for a validation of each fraudulent accounts listed on my report to be verified and validated with the original promissory note/letter. 
I received no remedy of result from this request. 
As time ensued, I discovered multiple consumer violations of 15 USC subsection 1681 ( c ), 15 USC subsection 1681g ( a ) ( 5 ) of which my information was sold causing me financial setback having negatively affected my acquisition of various items of necessity. Violation of 18 USC subsection 1028 A ( 1 ) where the knowingly transferring of my private identity without lawful authority. Several violations of Permissible Purpose reports 15 USC subsection B, where I gave no authority for reporting my credit scores.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My Experian credit report is incorrect. My federal student loan debt is misrepresented on my credit report with Experian. My loans have been transferred from DEPT OF ED/XXXX to XXXX for servicing in XXXX of XXXX. Both the DEPT OF ED/XXXX former servicer balances are showing as : DEPT OF EDXXXX {$6200.00} correct balance is {$0.00} DEPT OF EDXXXX {$11000.00} correct balance is {$0.00} DEPT OF EDXXXX {$11000.00} correct balance is {$0.00} DEPT OF EDXXXX {$6600.00} correct balance is {$0.00} Also shown was XXXX balances were represented as well : XXXX {$6200.00} XXXX {$11000.00} XXXX {$11000.00} XXXX {$6600.00} This doubled the amount of student loan debt on my credit report. My attempts to correct this fact began in XX/XX/2022 with Dispute Report # XXXX. Experian reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. 
Another dispute was filed by phone and on the website following the procedure required by Experian, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed. XXXX reported that my account is open, balances of {$6200.00}, {$11000.00}, {$11000.00} and {$6600.00} are correct. Following these calls I sent documentation to Experian to via digital upload to support my claims. The result of the supposed investigation on the same day ( XX/XX/2022 ) was that Experian closed my XXXX accounts that should have remained open because that is the current loan servicer and left the DEPT OF EDXXXX accounts thus dropping my credit score XXXX points.

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 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
Goldman Sachs/Marcus credit card XXXX On my XXXX statement, my interest rate was XXXX XXXX. 
My balance was roughly {$4000.00}. In the following months, my rate went as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My complaint is this. If you change the rate on someone, it should be the rate on new charges only, not on existing balances. When I as a consumer charge a transaction, I am agreeing to the current rate on my card. Doing otherwise is unlawful. 
Secondly, the person in customer service doesn't offer any phone number, email address, or mailing address to get hep on a complaint. She only gave me the po box shown on a the billing statement. When I XXXX the complaint number, it was a disconnected number. 
Lastly, I requested bills be sent by mail when Goldman Sachs took over this XXXX card ( 6 months ago? ), and I have a record of them being sent to me. This past month they billed me online without authorization, and sent me a notice that I was behind in a payment. I called to make a {$1000.00}. payment the minute I got the email. The customer service person acknowledged I was correct. I was still charged a late fee. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Account XXXX XXXX acct # XXXX in the amount of XXXX this account was opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2022 I bought 1 ticket to a concert from XXXX XXXX XXXX, using my Paypal credit card. At the ticket counter i could not produce a barcode from the XXXX XXXX so i could not enter the venue. The director of Ticketing said that that XXXX did not buy any tickets for the venue for the concert. she also said that scalping tickets " real or otherwise '' is illegal in Florida. The XXXX tickets were bogus and I demanded a refund from Paypal. After contacting XXXX they denied my claim to have the ticket cost refunded to me. I had to buy a ticket at the ticket gate to enter the venue. Please contact Paypal as to why they denied my claim. I have attached a signed letter from the director of ticketing at the venue with a copy of the actual ticket I bought to enter the venue. Thank you- XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I previously tried to close a savings and checking account, and withdrew the funds. A few months later I received a notice stating a savings account has been overdrawn despite no account activity ( did not even know that was possible to overdraw a savings account ), the account was closed, and threatening collections and negative credit reporting. I have tried to resolve with Citi directly, who indicated they could waive these charges, but then were unable to because the account was already in collections. Then, the collections team said they couldn't request to waive charges because that is handled by customer service. It appears Citi has designed in abusive process to deter customers from closing accounts under the guise of security ( social security and mailing address and last 4 of account apparently insufficient ) and other requirements, and most recently they were unable to even locate the account in their system. I should not have received these account charges in the first place, all I am seeking is to end my relationship with Citi without cost. Do they even track account activity and have a process to avoid service charges on dormant/closed accounts?

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 monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all file sent below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PACE Funding Group, LLC
State: FL

Complaint narrative:
We install solar panels in our home, and they were to be completely install so when the company call, I said work was finished, but 2 months later when light went off, we realized then the job was not complete, batteries were not properly hooked up. I call the financial institution to let them know but they didn't help us with the contractor, it was a scam, still to this day work has not been complete and the contractor got paid in full.

Company response to consumer: Closed with explanation