vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have tried to get this company to update the correct information for over a year and I have had to put in multiple complaints to the company, the collections agency, and the CFPB to have the account correctly updated. I am not sure why they have reported me late months after I have already settled the account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
This loan is not mine and is being reported fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-25 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-07-25 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I received emails around XXXX on XX/XX/2023 saying my checkings account from Citizens Bank was successfully opened. I called citizens bank and they confirmed I had an account opened this morning at the time I was at work and unable to actually open an account at Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-07-25 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
My complaint is an umbrella complaint about consumer credit card rates across the board. 

Companies like XXXX XXXX XXXX XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, and ESPECIALLY XXXXXXXX XXXX are charging way too much interest on consumer credit cards. 

For example, I have a XXXX  branded XXXX  from Synchrony bank. When I got the card, I had a credit score of less than XXXX. The interest rate was XXXX XXXX. However, I have had the card for more than two years, I have had 100 % on-time payment history, up to and including making extra payments. However, last month, I discovered that my rate has jumped to XXXX  %. My credit score has gone up to XXXX and back down under XXXX in the past year due to high utilization. However, my credit is now back up over XXXX with XXXX and XXXX ( BOTH of whom are still using the OUTDATED and OBSOLETE XXXX  XXXX credit scoring system instead of the XXXX XXXX or upgrading to the more ACCURATE XXXX XXXX XXXX ) and XXXX with XXXX. Yet, Synchrony still raised my rates. 

I understand between XXXX XXXX and XXXX XXXX  for fair credit, which is where mine fall. I understand a XXXX XXXX cap and an annual fee for bad credit. However, XXXX XXXX is absolutely UNACCEPTABLE for any situation, regardless of credit scores. And the fact that my history shows 100 % payment history and paying MORE than the minimum payments each month should be taken into consideration by all companies. 

Furthermore, with the economic depression created by covid, multiple layoffs, and people trying to get back on their feet, and improving repayment histories, the US Treasury needs to CAP the amount of interest that credit card companies can charge on unsecured debt to XXXX XXXX or less and secured debt to XXXX XXXX or less, and make the cap retroactive, and direct these companies to credit their customers with a calculated difference of interest.

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 2023-07-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I called Experian to report fraud on my account and figure out how someone was able to get a credit card in my name without me receiving any alerts to verify. Especially because I put a fraud alert on my account back in XX/XX/. The customer service representative named XXXX was snarky with me. Her tone was unsettling and she was short with me. I am left unsatisfied and I am still unsure what will happen next with my credit report due to her lack of information. I asked to speak with her supervisor and she told me they were unavailable. XXXX stated they would call me back, I am still waiting.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
I applied for a mortgage and my broker opted out of getting scam calls. So far, from XXXX until now ( XXXX ) I have received over 30 unsolicited phone calls, and all but 2 have been using spoofed phone numbers ( which violates FCC regulations ). The callers hang up if I don't specifically say yes or no during the phone call, which is a huge red flag indicating these are scams. All of the callers use generic company names ( i.e. XXXX XXXX ) which return dozens of companies using this name, and none of which are located in the area code they are calling from. 1 caller has even referenced Transunion specifically as the source of their information and 1 claiming to be with the VA confirmed he got my information from the credit run. I never authorized these XXXX credit agencies to sell my information to thousands of scumbags.

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 2023-07-25 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I am disputing a charge off on my account from XXXX ACCT # XXXX for the amount of {$3800.00}. This was a 2020 Infiniti XXXX XXXX  month lease that was paid in full and returned at lease end. We never received a bill, call or email letting us know of a balance. 
I did send a letter to the bank and also a dispute to the credit bureaus for inaccuracy. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602A.states I have the right to privacy.

15 U.S.C 1681 section 604 A Section2 : It also states consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
During Covid my daughter became extremely sick and they had the deferment plan. Then after her release from the hospital payments returned.

She did not return to work and her unemployment benefits were messed up and did not receive a check for almost 10 weeks.

This is when the fees started. Her and my son-n-law have made every payment but they have been late. They admit that they are late but unfortunately they have no choice. The medical bills are high and just making their bills is hard.

They try and make it when they can but the late fees are crippling to them. There is currently almost a whole other " payment '' due just in late fees. They pay {$5.00} extra each payment but they will never get ahead.

We have tried to ask the service for either a skipped month so they can pay the late fees or have the late fees removed and they keep telling them they do not qualify. 
They really need help. 
The loan is in mine and my son-n-laws name. 
Any help with them would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XXXX XXXX, we purchased a XXXX from XXXX XXXX. We told the sales person, XXXX, and the finance guy repeatedly to make sure they list our po box as our mailing address. On XX/XX/XXXX, I called to ask when we would receive a bill to be told our account was past due. We explained we have yet to receive a bill. The supervisor we spoke to assured me that had fixed the billing address. I had a check sent from Bill Pay with my bank. It arrived on XX/XX/XXXX. 

Payments for XXXX and XXXX went sent on XX/XX/XXXX and XX/XX/XXXX, respectively. 

We have yet to receive a statement from this company. 

I called again today and discovered they had applied XXXX late fees to the account. 
I first spoke to XXXX who refused to hand me over to a supervisor. I called back and got XXXX who got me over to XXXX. 

XXXX made me wait while she heated up food for people - I could hear kids and a microwave! 

After several minutes, XXXX came back on the line. I explained we have yet to receive a bill from the company, that we told them at the dealership, it was supposed to be fixed on XX/XX/XXXX,... 

XXXX said she updated the billing address but it would take not take effect until the following statement. I told her they told us in XXXX that they corrected it. She stated they put something in the notes. 

XXXX said she put in to waive one of the two late fees. I stated it isn't fair to have any late fees as it was the company 's fault we never received a bill and we had paid our loan payment on time each month. She further stated she would request a waiver but didn't think it would go through. 

I told her the XXXX payment should be there tomorrow and asked if there was still going to be an issue. Apparently, this company keeps issuing additional late fees even though we pay on time. This is not fair or reasonable.

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 2023-07-25 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/ there was two fraudulent charges to my Paypal card which I use through my online stores. I was sent an email from Paypal stating that I had suspiocious activity, at the same time these two chrages came through- they were in the amount of {$460.00} and {$220.00} - both to XXXXXXXX XXXX XXXX I called them and they agreed and took them out of my account. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ran them back through - I called Payapl immediately and they said " not to worry '' they would be stopped. The next day, XX/XX/XXXX, Both Charges hit my bank and overdrew me! On that same day XX/XX/XXXX, I had a sale from one of my stores for {$180.00}. After they took their commission I should have received {$150.00}. Instead of giving me the money they owe me, they took that against the {$460.00} that was - as they agreed - a fraudelent charge! They have now refused to give me back my money which is in the amount of {$150.00}. As a side note- they wanted me to wait a couple of weeks to investigate further before they would credit my bank account for the {$460.00} and {$220.00} - inwhich I would have to come up with the {$680.00}! I called my bank ( XXXX ) and filed fraud charges. Paypal then said that - '' There's nothing they can do! '' I want the money from my sale of {$150.00}. It is mine and they, Paypal stated that both of those charges to XXXXXXXX XXXX XXXXXXXX was fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

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 2023-07-25 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: GA

Complaint narrative:
In accordance with 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 {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1000.00} FL XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  {$20000.00} XXXX  XXXX {$4900.00} XXXX XXXX XXXX ( finance ) XXXX  XXXX ( bank ) XXXX XXXX XXXX XXXX XXXX bank ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.

Company response to consumer: Closed with non-monetary relief