vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: The Capital Good Fund
State: FL

Complaint narrative:
I have had multiple loans with Capital Goodfunds! My loan that was originated XX/XX/2019 they have reported XXXX late payments! 


I have email correspondence with the company to skip a XXXX payment and pay the loan in full in XX/XX/2019! At no time during our conversation did anyone say this would result in a late payment, as I have skipped payments with them multiple times in the past on other loans! They had originally reported XXXX late payment, I disputed it then they reported XXXX late payments! 

When I contacted the company she said I had XXXX late payments, XXXX late payment for XXXX loans, not XXXX late payments for XXXX loan! I sent her all correspondence emails from 2019 confirmation that they skipped the payment to pay in full in XX/XX/2019! 

At this point the company is still not removing these inaccurate late payments or acknowledging its their internal error!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I am on a payment plan because I can not afford the monthly payments with Navient. Even though I have a payment plan set up with automatic payments, I receive XXXX calls a day and so does my co-signer. When I pick up the phone to answer, there is hold music playing for XXXX seconds to a minute and when someone does come on the line 75 % of the time they hang up on me. I work very hard to pay what I can to this company and yet the harassing phone calls don't stop, even when there is a payment plan in place and pending automatic payments. I have asked the people calling to stop calling me and my elderly co-signer who can not help at all financially. I have been told by reps that there is nothing they can do about the calls. One rep told me that the list of numbers autodials and she can not stop the call being placed. I talked to a manager today and was told that the calls are not automated and that someone was physically dialing. When I asked why there is hold music when I pick up, and no rep on the line, she said thank you have a nice day and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/2023, an obviously tampered, stolen check of ours was put through XXXX XXXX  mobile deposit from our account. They deposited to a Chase Bank account. Our check was made out to our mortgage company for XXXX and the thieves changed it to their name and XXXX. XXXX XXXX  let the thieves take money out of our account. We have not received our XXXX yet. Now Chase Bank says that they need 45 days to investigate their side of the theft. We are disgusted with their lack of security in their mobile deposit app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-06-07 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: MI

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: GFS II, LLC
State: MD

Complaint narrative:
Intentional communication of false credit information and defamation.

Financial abuse.

Predatory lending practices.

Use of a false business name.

Complaints filed with Consumerfinance.gov, CFPB and FTC. -- -- -- - Debt was discharged in ( do not want to provide state ) District Court XX/XX/XXXX in the amount of {$7300.00}. 
-proceedings, arbitration, mediation and dismissal of case in favor of the defendant ( myself ). 
Ruling granted per " deceptive practices '' from plaintiff, Gateway financial services -- -- -- - Resold XX/XX/XXXX intentionally to subsidiary with prior knowledge of debt discharge ( Gateway Financial Services sold debt to GFS2. ). -- -- Resident agent has not changed since origination of contract, attempts to sue or court proceedings. 
-- -- Disputed with all credit reporting agencies 3x - no removal from GFS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have had numerous issues with XXXX XXXX over the past XXXX years, including XXXX false charges that I disputed that were kept on the acconunt. The third and most recent one is for {$500.00}. When the charge was present I overpaid the account to cover the charge. I then stopped using the account as I was extremely dissatisfied with the lack of customer service and lack of investigation into my issue. Thus, I am owed this money since I paid the account to keep it current during the dispute. 
I have contested this dispute and provided dozens upon dozens of documents and files with information ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to read the text or open the documents. I submitted additional information. I have filed complaints before and XXXX does NOT return my phone calls as they promise. I have been calling for over half a year at this point and have not gotten a SINGLE phone call back to discuss this issue. Instead, upon my last complaint, XXXX closed my account, without refunding me any of the false charges from the past XXXX years - the most notable XXXX of which this {$500.00} that was charged in a scam. The fact that XXXX keeps allowing scam charges to appear on accounts and expects people to pay them is straight up theft. Further, XXXX reported this incorrectly to the credit bureaus, which now shows up on my report. In 30 years I have never so much as carried an account balance, let alone paid late or missed a payment, hence my perfect credit score - this must be XXXX 's attempt to make money off of people they wouldn't otherwise be able to make money from. I am beginning to wonder if XXXX is a partner of these scam artists as this is the only way they seem to make money off someone who always pays their bills. Now that my account is closed there is no way to log in or see account info and I am still owed money, yet XXXX is inaccurately reporting it as delinquent. AGAIN, I HAVE CALLED AND WRITTEN TO XXXX  AND CAN NOT GET A SINGLE RESPONSE TO MY CALLS, QUESTIONS, QUERIES, OR COMPLAINTS. The very few times I got someone on the phone after hours of holding they said someone would call me and no one has. They have also given my account information to other users who were removed as authorized users years ago and they claim they were not.

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 2023-06-07 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: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have a late pay i need to get removed. I never received a bill and didn't know I had anything due at the time. Its my only blemish on this account and not my fault since there was no bill received. Please help me get it removed. I've disputed the account with the bureaus but had no success.

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 2023-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Company didn't do and investigation. I'm submitting supporting documents for removal of the inaccurate accounts showing on my credit report. Also I'm requesting a complete copy of all their proof of their investigation if comes back verified.

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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
- I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: NY

Complaint narrative:
In XXXX of XXXX, I noticed several indicators of identify theft and errors on my credit report. I began the freezing process and contacted all Bureaus to resolve the errors. Most have been cleared up within the week of reporting. However, there is one hard inquiry that remains on my Equifax report for XXXX XXXX Bank. When I dispute it with Equifax, they find it " true and will not remove it. '' When I contact XXXX XXXX Bank, they told me this was fraud and not me and that they sent a letter to Equifax to remove this inquiry. This still has not been removed from my report. Equifax will not do a through investigation to have accurate reports, I do not trust them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: OH

Complaint narrative:
many inaccurate items on my credit report that needs to be removed

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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Sallie Mae now Navient has ruined my financial life. I had an original loan of XXXX which is now XXXX. I have made payments for over 10 years to them with a loan that has now doubled. 

I work in public service and my federal loans have all been discharged due to my working experience. 

Navient does not assist in that. Calls me and my family non stop. Ruined my credit score, and offers no options to lower the cost. 

They have forced me into forbearance multiple times. 
They have scammed me completely. It is ridiculous how they handle themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Cascade CISS Holdings, LLC
State: NC

Complaint narrative:
As of XX/XX/2023 i notice when Credit plus XXXX as known as xactus pulled my report they have accounts that isnt showing on my actual report anymore which is considered a violation of bein unfair of reporting falsley information and inaccuracy... however the accounts that they have showing is showing late payments and that is inaccurate fasley information which is a violation under the fcra act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
As of XX/XX/2023 i notice when XXXX XXXX XXXX as known as XXXX pulled my report they have accounts that isnt showing on my actual report anymore which is considered a violation of bein unfair of reporting falsley information and inaccuracy... however the accounts that they have showing is showing late payments and that is inaccurate fasley information which is a violation under the fcra act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been working on my Trans Union credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Please keep in mind that XXXX ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-06-07 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: NJ

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from 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 2023-06-07 00:00:00
Product: Credit reporting, credit repair services, 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: AR

Complaint narrative:
I have been a victim of identity theft. I have filed identity theft report with the FTC.GOV website and all 3 credit bureaus. There are several credit inquiries I did not authorize and are not linked to any existing accounts. I have reach out to all the credit bureaus and to the companies falsely reporting this information without my consent on my credit report. 

The companies are as listed : 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 2023-06-07 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: IL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry 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 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: ME

Complaint narrative:
I applied for a discover student credit card XX/XX/2023. 

I was approved for said credit card XX/XX/2023. 

I was asked to verify my identity through the XXXX verification services XX/XX/2023. 

I completed that task XX/XX/2023. 

I was asked to verify again on XX/XX/2023 due to a recent name change i had in the beginning of XX/XX/2023. 

I reverified my information XX/XX/2023. 

I was asked on XX/XX/2023 to reverify again which i complied with. 

XX/XX/2023 I recived an email reguarding the verification and was told by discover that it was successful and completed. During this amount of time I also made numerous phone calls which are recorded in their system stating that my identity was verified and my card was active and ready to use. 

XX/XX/2023 i found out they had closed my account due to failed security verifications. They did not send me an email, alert on the app or message. I did not receive any phone call or voicemail regarding this issue. They closed my account as of mid XXXX of XXXX  without letting me know. 

XX/XX/2023 i spoke to them on the phone and they stated they did not have any verified information on file and that there was nothing they could do to open the account because it was over 30 days since it had closed.

Company response to consumer: Closed with explanation