vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 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: CA

Complaint narrative:
Hello 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  account XXXX XXXX XXXX XXXXXXXX XXXX I have my XXXX XXXX  I paid them ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : it also stays 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. 15u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TN

Complaint narrative:
On my Equifax credit report, I have been disputing the XXXX XXXX XXXX account for over 12 months due to inaccuracies and incompleteness. While I have sent many certified letters to Equifax pointing out these errors this and previous years, I have chosen to only include the last four months of letters so as to simplify this complain process. Basically, I have pointed out to Equifax that they have refused to either correct inaccuracies and incompleteness by either not correcting or leaving blank sections of my report. They have not provide the correct Payment History, not added the Date Of Last Payment and refused to place a Notice of Dispute on this account even though I have informed them repetitively that these are all fineable FCRA violations. The failure to add a Notice of Dispute notification to my report within 30 days of being notified, for instance, is an automatic {$1000.00} penalty. In addition, I have informed them that this account was settled and discharged by XXXX XXXX earlier this year. I actually sent them the 1099C paperwork forwarded to me from XXXX XXXX  making this account a positive income that I had to report on my inome tax in 2023, nevertheless they have continued to ignore this change. I have included documented proof that Equifax has in fact ignored my repeated requests and has serious damaged my credit causing me to lose both a loan for an auto and a house mortgage. In addition to attaching the letters I sent them, I have included my latest Equifax credit report onwhich I have highlighted and circled their repeated FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/22 capital closed my account with no far warning after making a payment on my account. Theyre in violation of the securities exchange act. I called numerous times but capital one as willfully been in noncompliance. They have damaged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
I purchased something from XXXX. I sent a payment in XXXX of XXXX for {$100.00}. Then a payment of {$50.00} in XXXX of XXXX. The first payment was not counted. I contacted the credit card company and got the verification from the bank and sent it in. The money was still not credited. Sent a payment in XXXX of XXXX for another {$50.00}. The account still was not rectified. Finally ended up paying what I thought was the full bill with all the extra charges they applied of {$380.00} and change. Apparently by the time it got to them they left a balance of {$9.00} and change. Now they say it was not paid off in full. I paid what the balance was when I received the notice. Now they say I owe a balance of {$260.00} something. I once again asked about the {$100.00} they never credited me for. They insist it would still leave a balance of {$160.00} something. I am not giving them any more money. Now what can I do. I have the proof from the bank they were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I attended two Universities. XXXX University where I obtained XXXX XXXX degrees in XXXX  and XXXX University where I obtained a XXXX XXXX in XXXX. 

I do not recall the specific times but I received numerous phone calls and occasional emails to consolidate or " refinance '' my loans. During these periods of time that I was called constantly and asked to sign new loan documents, I was told that because my loans were being consolidated and or refinanced, my payments were suspended. I have learned that I have multiple lates payments during this off and on process of loan consolidation/refinancing. 

I spoke with Nelnet concerning this but to no avail. I do not know how to find out who was calling and emailing me about the consolidation, refinance because it was a few years ago and I do not have that information. I did was I was told and trusted that what I was being told was accurate and never was I told a payment was due or that I would sustain a late payment or derogatory credit rating during this process. I do not dispute the balance only the late payments. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX and XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and REMOVE or BLOCK it from my personal credit file. Thank you.JEFFCAPSYS XXXX Date Opened : XX/XX/2020 XXXX XXXX : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: FL

Complaint narrative:
These accounts on my credit have been opened fraudulently, I have made a dispute with credit each bureau and notified them of this action and I was told that information. Some have responded that it is accurate and verified which is illegal and false. They have failed to follow proper procedure to check if this account is mines and which it is not so stating that its verified is false and illegal and wrong. 
Ive sent my Driver license, Ftc Report fraud report to each company and also contacted them and told them the issue. If properly investigated this account should be removed off my credit XXXX XXXX XXXX XXXX Account Number : XXXX Fraud XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX open fraudulently XXXX XXXX XXXX XXXX Account Number : XXXX Fraud XXXX XXXX XXXX Account Number : XXXX opened fraudulently not me or mines XXXX XXXX XXXX Account Number : XXXX this is fraud account and not mines XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account number XXXX, this account is an authorize user account that I didnt authorize, it is reporting illegally on my credit without my consent Ive notified Experian of this as well Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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.

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 2023-03-17 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: TX

Complaint narrative:
On XX/XX/XXXX, I filed an Experian credit dispute [ Report Number XXXX ] with Aidvantage regarding false and incorrect information on my Experian credit report relating to a 90-day late payment on nine education loans with the agency listed solely in XX/XX/XXXX, despite that according to its own records my loans were on-time and current for XX/XX/XXXX and preceding. [ The same is true for reporting on XXXX and XXXX ]. The dispute and investigation returned back with no changes made to the reporting. 

On XX/XX/XXXX, I spoke with Experian agent XXXX regarding the dispute above report, asserting that a 90-day late payment can not exist immediately following the agencys own reported on-time payment the month prior and that I was seeking remedies to the agencys and XXXX 's failure to correct the issue. To this end, XXXX, in recorded statements, stated the following ( consecutively ) verbatim : XXXX ( XXXX to XXXX ) : I just want to see what other dates where theyre showing anything past due because it doesnt make sense youre right it doesnt make sense that it goes from nothing past due all the way up to 90 days late. So lets redispute it and we can get those facts in. 

XXXX ( XXXX to XXXX ) : It is showing current on XX/XX/XXXX... then it went straight from current to 90 days ... they reported twice in that month... that's strange... they reported on XXXX and they reported on, again, the same month, XXXX that you were 90 days late ... '' XXXX ( XXXX to XXXX : " There's definitely things they need to fix ... and people think that Experian can fix it and we can't, we can only be kind of your in-between person helping you get it disputed... I know it's frustrating but I'm going to go ahead and put that it shows 'on-time and current ' on XX/XX/XXXX ... '' XXXX ( XXXX XXXX XXXX ) : This should not be showing 90 days past due It showed on time and current on XX/XX/XXXX. Then went directly to 90 days late and reported twice on XX/XX/XXXX and XX/XX/XXXX. 

I would go to file a dispute again given Kims claim that she would be providing the additional information, as well as her own accounts based on the information she gathered and perceived on XX/XX/XXXX [ Report Number XXXX ]. However, this dispute, too, would be denied any changes, alterations or explanations. 

See the recording between XXXX and " XXXX '' at Experian. Time stamps refer to audio time locations.

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 2023-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
My mortgage increased from XXXX to XXXX. I live on a XXXX pension of XXXX per month and can not afford this increase I can not sell my property because I still have an insurance claim due to hurricane last XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I use online banking and often make extra principal payments on my Truist auto loan. Several months ago, I couldn't understand why my monthly payment amount decreased if I specified that the extra payment was to go to my principal only and I still paid my full monthly payment amount. I called Truist, who assured me the money was going to my principal even though my payment due amount kept changing. I continued to pay my original full monthly payment amount even when my bill was less. I called again today, XX/XX/XXXX, because my payment amount had again changed and I didn't think this was correct. I was told by the Truist representative that there is something wrong with the online principal payment option and that even though online banking gives a " principal only '' option, none of the money I paid and specified as a principal only payment ever went to the principal. The representative said " Truist has known about this for a long time and they are working on it ''. She states the extra money I paid became a credit on the account for the next months payment. There should not be an option to choose to make a principal only payment if that's not how the payment will be applied. The representative said she can note this as a complaint on my account but nothing can be done about it. This is fraud. This will not allow the loan to be paid off early by making extra principal payments as we were told we could do when we took out the loan. I will attach screen shots showing the " principal only '' option and description that Truist displays online.

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 2023-03-17 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
An initial request for any and all documents in relation to or regarding the account in question were requested on XX/XX/22 via email. Greensky denied having any other documents excluding those accessible via their web portal - related to the account after months of pursuing. On or around XX/XX/22 a rep stated, via a recorded telephone conversation, other documents were in fact in existence, yet I was not allowed to have them. I repeatedly asked for the documents, she repeatedly denied the requests. 
Greensky has violated my consumer rights by denying access to any and all documents in possession associated with the account, Greensky actively concealed my access to the information despite acknowledging its existence. 

Greensky has violated the following but not limited to Section 609. Disclosures to consumers ( 15 U.S.C. 1681g ), Section 610. Conditions and form of disclosure to consumers ( 15 U.S.C. 1681h ), Section 616. Civil liability for willful noncompliance [ U.S.C. 1681n ], and Section 617. Civil liability for negligent noncompliance [ U.S.C. 1681o ] which is legally enforced by but not limited to Section 621. XXXX XXXX [ 15 U.S.C. 1681s ] of the Fair Credit Reporting Act 15 U.S.C XXXX Greensky has violated the terms and conditions of the Loan Agreement. Via a recorded telephone conversation, on or around XX/XX/22, XXXX XXXX refused to honor and uphold the terms and conditions on page 7 of the companys agreement which states : Your Rights If You Are Dissatisfied With Your Payment Card Purchases If you are dissatisfied with the goods and services that you have purchase with you Loan, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true : 1. The purchase must have been made in your home state or within XXXX miles of your mailing address, and the purchase price must have been more that {$50.00}. ( Note : Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that you the goods and services. ) 2. You must have used your payment card for the purchase. 
3. You must not yet have fully paid for the purchase. 
If all if the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at : GreenSky Program Attention : Disputes XXXX XXXX XXXX XXXX, GA XXXX You may also contact us at XXXX While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you delinquent. 

XXXX stated she agreed that my efforts met the requirement to honor the right to not pay yet would not honor it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, and XXXX XXXX XXXX XXXX XXXX, # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 An 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. 

Govern Yourself Accordingly.

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 2023-03-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX crest XXXX XXXX XX/XX/2023 dear Transunion, I , XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are no longer outstanding the the following items : party owed : XXXXXXXX XXXX amount : {$330.00} account number : XXXX party owed : XXXX  XXXX XXXX XXXX amount : {$12000.00} account number : XXXX party owed : XXXX XXXX XXXX XXXX amount XXXX {$2000.00} account number : XXXX party owed : XXXX XXXX XXXX CARD amount : {$2500.00} account number : XXXX party owed : XXXX XXXX XXXX Amount : {$800.00} account XXXX party owed : XXXX XXXX XXXX amount : {$6800.00} account number XXXX XXXX I am disputing this claim due to I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. this is my official request to have the aforementioned item to be removed off 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 2023-03-17 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: 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.

Account : # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation