vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: FL

Complaint narrative:
I went to a XXXX company branch in XXXX to end my services with them. The month had just begun on the third day of the month. What happened, I canceled service at the store with a representative who gave me what I owed. and I paid it, the representative estimated almost two weeks for me to pay and pay, then almost a month later he sent me a letter issued on XX/XX/XXXX account number XXXX XXXXXXXX that I owed him {$49.00} for the letter from XXXX XXXX XXXXXXXX  I tried to contact them and they did not respond days later I called again and they told me that they do not have my information, what did they feel? I thought, well, I shouldn't, and to my surprise, I received another letter from a Collections company telling me that I owed them something. to XXXX the amount of {$82.00}, they told me that I should send them proof so that they could verify that if there is an error, show it, send them proof of the letter from XXXX with what I supposedly owed and before the date they requested that I had to send was on XX/XX/XXXX, I did not have a response to that clarification of mine and I was surprised that the collection company with the name DIVERSIFIED ADJUSTMENT SERVICE, INC, reported me to the credit bureau, I XXXX XXXX phone and an agent answered me who did not He let me talk and immediately told me to send it to the wrong address. I got upset and asked him to let me talk and he interrupted me, I couldn't say anything and he hung up on me, I called again and they didn't answer, I ended up in a message box called XXXX. In addition, I also sent that same letter to XXXX which also did not respond to me, I do not understand why they requested proof if they still reported me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I opened an Apple Card with the sole purpose of using it for the interest free monthly payments on the XXXX XXXX XXXX. On pre-order day, I attempted to use the card to do so, but was met with the following message : " Thank you for your interest in Apple Card XXXX XXXX. 

Unfortunately, your payment was not approved at this time. 

Please go to the Wallet app to manage your Apple Card account or chat with an Apple Card Specialist. 

You can also continue your purchase by selecting a different payment method '' I've contacted Apple Card Specialists twice regarding this, and both told me the same - that my card was under review and had to wait it out. Funnily enough, I'm able to purchase other items just fine, even after attempting the XXXX XXXX purchase. However, any attempts to do the monthly payments ends up being declined. 

It's frustrating as I have already applied and been approved for the credit card with the intention of getting this product. Now, I've missed out on my desired pre-order pick up window and have to wait for this issue to be resolved. The XXXX XXXX officially releases on XXXX XXXX, and now I'm not guaranteed to receive it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I sent the bureau a letter on XX/XX/23 but have yet to receive a resolution or response by mail with the documents proving I signed for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, but they are incorrectly reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was recently digging into my credit report which caused me to be sent into a deep XXXX. The bureaus did not make sure that the information that they were reporting was one hundred percent accurate and as a result it is affecting my ability to get any kind of credit and worse it is affecting my wellbeing. This information being reported is inaccurate and wrong and these errors need to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting 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:
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 Name :XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XXXX Account Number:XX/XX/XXXXAccount Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name : XX/XX/XXXX Account Number:XX/XX/XXXX Account Name : DP OF EDUC Account Number:XX/XX/XXXXhas violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

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 Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : DP OF EDUC Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/ I contacted Ally because I had been sick for quite some time but I still managed to pay my bill even if it was a couple of weeks late. I asked them for a deferment. I was first told that they didn't offer deferments per their rep XXXX. Then when I pressed the issue, she said that they called it something else. She then gave me a big amount to pay just so that the next payment could be decreased. I asked how that would help me? Then she said that she was sending it up and allow XXXX business days for the paperwork to be mailed out. I contacted Ally today because my next payment is rapidly approaching and it will reflect negatively on my credit. I haven't received any correspondence through the mail. I was told by another rep XXXX XXXX XXXX today that they sent the paperwork via messages on their site and because I didn't login to check my messages it expired and that I would have to reapply and that I had very little deferments that could be taken on the account because I allowed the other one to expire. He also stated that it could be denied.

I didn't allow anything because their rep told me that it would arrive by mail within XXXX business days. I didn't receive any emails from them saying that there was a message in the portal or anything. I am not a mind reader. I'm still being charged very large late fees due to their miscommunication

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A close eye is being kept on my credit reports and I continue to see errors and inaccurate information. My concerns are constantly being ignored by the bureaus and it is causing me extreme XXXX and stress. It is clear that the bureau is not doing their job and ensuring the information that they are reporting is in fact 100 % accurate.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Received an email telling me I could decrease my monthly payment by canceling my extra insurances.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Excessive fees with OneMain Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of the XXXX data breach. And I would like to have the negative information deleted. I'm reaching out to you to help me get this information deleted because XXXX is doing nothing.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of the XXXX data breach. And I would like to have the negative information deleted. I'm reaching out to you to help me get this information deleted because XXXX is doing nothing.

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 2024-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I have 2 student loans with AidVantage. The debt forgiven and discharged as part of the XXXX XXXX XXXX XXXXXXXX discharge and is carrying a negative balance. That balance needs to be refunded. I've been told by AidVantage that it can take up to 7 months. It has now been over a year, with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Javitch, Block & Rathbone LLC
State: KY

Complaint narrative:
On XXXX I reached out to set up payments with Javitch Block. These were for a collection on unpaid private student loans. They not only refused to accept payments but they also denied that they were a debt collector and made the statement that they were a law firm. I understand that they are a division within a law firm that collects debt but they were deliberately misleading us in order to not abide by FDCPA. They were also incredibly rude. Using the phrase if I were you I would take the deal and asking me questions about my wifes job and income. In addition to this, the individual spoke over me and made condescending remarks throughout. I called to set up payments in an amount I knew I could make with missing them. It was not enough for them. In addition, they mentioned a court hearing which we have not received paper work for.

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 2024-01-20 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-20 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been keeping a close eye on my credit and am incredibly disappointed at the inaccuracies I have been seeing. This is now my second time reaching out to get the errors and inaccuracies removed from my credit report. This is causing me tremendous stress and anxiety especially since my concerns are continuously being ignored. I need these errors, at the fault of the bureau, corrected at once, since they were the ones who failed to ensure that the information being reported is in fact accurate

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 Name : 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 XXXX XXXX has violated my rights. Or a list of inquiries : 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 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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was recently digging into my credit report which caused me to be sent into a deep XXXX. The bureaus did not make sure that the information that they were reporting was one hundred percent accurate and as a result it is affecting my ability to get any kind of credit and worse it is affecting my wellbeing. This information being reported is inaccurate and wrong and these errors need to be corrected.

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 2024-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
GIVE MY NAME AND SOCIAL SECURITY NUMBER NO INFORMATION PULLED UP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: OPORTUN FINANCIAL CORPORATION
State: AR

Complaint narrative:
- On XX/XX/2024, I closed my savings account with Oportun ( original account with XXXX then acquired by Oportun ) via the mobile app. 
- Under my account, I had two savings account balances : {$350.00} and {$570.00}. 
- I received email confirmation that I should expect both balances within 2 business days on XX/XX/2024. 
- I received {$350.00} the next day on XX/XX/2024. 
- I have yet to receive the other balance of {$570.00}. 
- I also haven't received any status updates from them on the delay or any response to my outreach to get a status update.

Company response to consumer: Closed with explanation