vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Dear Goldman Sachs, I am writing to express my deep dissatisfaction and frustration with your company 's recent violations of consumer laws and codes that are in place to protect individuals from credit card debt when they are unable to work due to medical issues. 

I have been a loyal customer of your company for several years and have always appreciated the benefits and rewards that come with using your credit cards. However, when I was diagnosed with a medical condition that prevented me from working, I was shocked to discover that your company continued to charge exorbitant interest rates on my closed credit card account, despite my inability to make payments. 

I feel that this behavior is in direct violation of consumer protection laws that are in place to prevent individuals from falling into crippling debt due to circumstances beyond their control. It is unacceptable that your company would take advantage of vulnerable customers in this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
Disputed debt. Requested validation, providing 45 days to do so, company failed. 
Failed to update or remove said debt from all three credit bureaus. 
Credit bureaus have not removed Violating laws and rights Failed to investigate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
THE XXXX WAS NOTIFIED OF THE IDENTITY FRAUD. DOCUMENTATION WAS PROVIDED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In preparation for applying for a HELOC with my bank I recently created user accounts with XXXX and XXXX, but when I tried to create an account with Experian the website reported that my email address was already in use. Attempts to contact the company by phone resulted in an automated message that the 'operator ' only connects the caller to an 'agent ' under specific circumstances ; all other inquiries must be made through the web portal. Since I can not log on to the web portal I can not get assistance. 

I have never created an account with Experian and I am worried that someone may have used my email address to create a fraudulent account. This is infuriatingly frustrating and Experian is being of no help whatsoever. 

This has all taken place in the last 10 days ( today is XXXX XX/XX/2023 )

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 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Dear Barclays, I am writing to bring to your attention the violations of consumer laws and codes that I have experienced with my credit card account. Despite being unable to work due to medical issues, I have been subjected to exorbitant interest rates on my closed credit card account, causing me undue financial hardship. 

As a consumer, I have the right to be protected from predatory lending practices and to receive fair treatment from my credit card issuer. However, your actions have been in violation of these rights and have caused me significant stress and financial difficulty.

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 2023-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have some late payment on my reports i do not recognize

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 2023-04-24 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:
I have some late payment on my reports i do not recognize

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 2023-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO

Complaint narrative:
Credit Bureau Systems Inc. was collecting medical bills. They sent me a notice of collection with a website where I could pay. I went to the website and clicked login, login however was for businesses using the service not for the consumer that they were attempting to collect. so i clicked pay bill which gave a disclaimer and then a page to enter your routing and account number or credit card number. Nowhere did it show you what you were paying or confirm that you were paying bills you owed. i called the customer service number and requested a login where they confirmed I don't have one and suggested I contact the attorney 's office associated with the account. I asked for an itemized bill which I never received. I don't think it is fair collection practice to not show a consumer what they are paying. it seems very unsafe to enter account or credit card information into a website where you have no details on what you are actually committing to pay. This all seems like a fraud to me however, I have since been served with a law suite over this. this seems like a very unfair collection practice and unsafe in this day and age to blindly enter account information without understanding what you are paying

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Unable to retrieve EQUIFAX or XXXX CREDIT REPORT report via XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear Bank of America, I am writing to express my deep dissatisfaction with the way my credit card account has been handled by your company. As a consumer, I expect to be protected by the laws and codes that are in place to safeguard me from debt and financial instability. However, I feel that your company has violated these protections in several ways. 

Firstly, I am currently not able to work due to medical issues, and I have been struggling to make my credit card payments as a result. Despite my efforts to explain my situation and request assistance, I have not been provided with any viable solutions. Instead, I have been subject to aggressive collection tactics and have received threatening letters demanding immediate payment. 

Secondly, I recently closed one of my credit card accounts with your company, only to find that the interest rates on the remaining accounts have skyrocketed. This sudden increase in rates has made it even more difficult for me to keep up with my payments, and I believe it is an unfair and unethical practice.

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 2023-04-24 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: NY

Complaint narrative:
I opened a dispute with Experian regarding a collection account by XXXX XXXX related to a XXXX XXXX collection account. Approximately a day later, I uploaded proof that the collection was erroneous but Experian has not removed this collection from my Experian credit report. This collection has caused a significant drop in my credit score. The receipt I uploaded is proof that the charge in question is for an XXXX that I returned back in 2022 for which I received a credit.

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 2023-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
Wells Fargo made false promises that if I submitted paperwork for a loan modification It would save my home from being foreclosed on they waited tell the time was up to tell me they would not approve a modification and then forecloses on my home given me no time to seek help from no other means

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 2023-04-24 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: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
LVNV FUNDING C/O RESURGENT CAPITAL, " collection '' agency is reporting an alleged debt on my credit report without my knowledge ( previously ) nor my consent. I have repeatedly demanded validation, disputed, and reported the accounts as Identity Theft to the company and have never received a reply, only continued regular negative reporting. As a result My credit Report is bad because of this one alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: IL

Complaint narrative:
My name is XXXX c XXXX. I have a bankruptcy XXXX XXXXXXXX on my account. I have tried to dispute it with Experian, XXXX and XXXX, either the call will disconnect or they are not trying to dispute my bankruptcy from my files. I contacted the bankruptcy courts and they told me they DID NOT give these credit bureaus my information because it is against the Law, and then they emailed me a letter that states so. Ive then tried to dispute the bankruptcy for a second time Experian told me that they received information from the court house stating my personal information and that the bankruptcy court house told them that the information was correct and again that is against the Law

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 2023-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Unable to retrieve XXXX or EXPERIAN CREDIT REPORT report via XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is currently reporting this collection as open and still attempting to collect on this debt after written verification was sent via email. XXXX XXXX was the customer service representative who informed me that I they do no provide documentation to verify a debt and that it can only be by payment only. I contacted XXXX XXXX on XX/XX/23 and have the email conversation still on file. Spoke with several representatives over the past week and when I ask for verification to be sent they either hang up the phone, transfer the call to a long cue hold or act like they cant hear what i am requesting and disconnect the call. The email sent to XXXX XXXX demanded all communication to cease but they still continue to contact me and deny they can not provide me with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank {$400.00} Business Checking Bonus Business : XXXX XXXX Approved XX/XX/2023 - Account ending in XXXX Followed all terms : U.S. Bank is offering a bonus of {$400.00} when you open a new Silver, Gold or Platinum Business Checking account and complete the following requirements : Use XXXX XXXX XXXX Deposit {$3000.00} within 30 days of account opening and maintain that for at least 60 days Complete XXXX qualifying transactions within 60 days of account opening Enroll In the U.S. Bank Mobile App or U.S. Bank Online Banking within 60 days of account opening.

US Bank has not contacted me after several attempts to rectify.

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 2023-04-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( JP Morgan Chase ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and JP Morgan Chase. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Marauder Corporation
State: TX

Complaint narrative:
This company has reported A debt by a company name XXXX XXXX XXXX  on my credit report in which I have never an account with XXXX XXXX XXXX or this debt collection company. They have the name listed under XXXX XXXX which has not been my name since 2014. I have identity theft listed on my report and before anyone open an account they are to contact me which was not done. I spoke with XXXX XXXX XXXX and was advised they can not look into the fraud because this company has the debt. It is illegal to knowing report false and inaccurate information. This is not my debt and i have never opened an account with this company theyve listed on my report.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-24 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: LA

Complaint narrative:
They should have been resolved 45 days ago! I dont understand why this issues hasnt been resolved yet. I have false information on my consumer report and they have been sent the documentation and it still hasnt been removed. I read on the FCRA website that they have 4 days to block fraudulent information according to 605B, and yet they have decided to break the law. This is abusive behavior and they are not in compliance. The following items should be remove immediately. 

XXXX XXXX # XXXX Direct Violation 605B, delete now XXXX XXXX XXXX direct violation Direct Violation 12 CFR 1026.10 ( F ), delete now XXXX direct violation Direct Violation 12 CFR 1026.10 ( F ), delete now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I received a letter from Credit Appentance stating do to the Pandemic Covid-19. All late payments wouldn't effect my credit report. However I have late payments on my report. I was effected by the Pandemic.I have contacted the company on several occasions trying to get this issue resolved. I would like all late payments removed from all 3 credit bureaus as the account is paid in full.

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 2023-04-24 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX  XXXX XXXX XXXX, XXXX & Zip : XXXX, TX XXXX Re : Identity Theft Complaint ( Remove Inaccurate Inquiries ) Receiver : Chex Systems , Inc. 

Address : XXXX XXXX XXXX City, State, Zip Code : XXXX, MN XXXX Attn : Consumer Relations Consumer ID : XXXX To whom it may concern, My credit consumer report withholds inaccurate information communicated from Chex Systems provided by their client XXXX. These transactions were initiated without my permission. I did not consent to any of these inaccuracies and have filed a complaint of the violation. Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act ( FCRA ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX has already been made aware of these inaccuracies. On behalf of their client, I am upholding Chex Systems to the same standard of the law. These inaccuracies are a violation of my consumer rights to privacy, and a violation of the reporting agencys unfair reporting of inquiries that I did not consent to. 

The inquiries listed below should be removed IMMEDIATELY, as they are inaccurate, and violations of my right to privacy and the Fair Credit Reporting Act : ChexSystems Date Creditor Name XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX The above, inaccurate inquiries should be removed from my consumer report immediately. 



Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24 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: KY

Complaint narrative:
I have attempted to correct this multiple times now. The credit bureaus continue bending the law and violating the Fair Credit Reporting Act. 

According to 15 USC 168i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is in fact ; inaccurate. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation