vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Cash Express, LLC
State: TN

Complaint narrative:
Person came to my car I was at grocery store wanted to know when I was paying my loan I never new that girl so she took her XXXX but in the store and talk to my friend that was trying to get a loan I told her I get XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Army and Air Force Exchange Service
State: HI

Complaint narrative:
I attempted using my Military Star Card issued by the Exchange Credit Program, based out of XXXX, TX, at a XXXX XXXX gas station which accepts the credit card. However, I could not complete the transaction after the card reader denied my Military Star card which offers a 5 cents per gallon discount for using the card when purchasing gasoline. Not only did this affect me, but the other customers using their XXXX XXXX for payment at the gas station also had their transactions denied and the customer representatives at the gas station told us we needed another form of payment due to the problem. I contacted the Exchange Credit Program customer service after the incident and they verified my acccount still remained in good credit standing. I want this issue investigated as to why this incident occurred. The Exchange Credit Program, as the credit card vendor, should work with the XXXX XXXX XXXX XXXX in avoiding a future recurrence of this problem. As often as I refuel my vehicle along with the current highcost of gasoline, the 5 cents per gallon discount offered by the Military Star card offerstremendous savings in the long term. However, continuously encountering problems with usingthe card would essentially negate the benefits of the cost savings offered.

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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting a bankruptcy on my credit report an they have put in the data furnisher as being the us bankruptcy court of Georgia, which is false I have attach a letter from the us bankruptcy court of Georgia verifying and stating that they do not furnisher information over to the credit bureau or any credit monitoring service nor do they verify or validate any information concerning bankruptcy. Transunion is falsely stating this information and refusing to remove this false information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient XXXX XXXX XXXX is calling me about someone else 's loan. They are wanting me to give them information so they can contact this person. I'm unsure why they are calling me about something that doesn't concern me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX, XXXX, TransUnion and XXXX dropped my credit score XXXX points simply because my XXXX XXXX  credit card balance decreased from {$40.00} to {$0.00}. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.

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 2022-12-30 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX and Experian dropped my credit score XXXX points simply because my XXXX XXXX credit card balance decreased from {$40.00} to {$0.00}. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.

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 2022-12-30 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have attempted to contact PayPal for years. Yet they only respond on email claiming they have called yet has never called. 



I had a seller account on XXXX which is operating payments through PayPal. 

On XX/XX/XXXX the buyer in the document included purchased an XXXX XXXX from me. 
Item was shipped and received perfectly fine. Even though purchase had a no refund and no return policy. The buyer waited 3 weeks to them advise phone screen is freezing. Beyond his knowledge the phone is brand new, being that I had lost mine prior to my contract ending and had to be sent a new one. Paypal ruled the case in the buyers favor and approved him to return the device. Which I have still not received my phone back. The customer stole my phone and sent me back a phone screen glass. In dispute I immediately contacted paypal and advised of the issue. Then they advised I had till a certain date to get police report. Even though the date hadnt passed paypal went against what was advised an closed case early and refunded client even though I have included pictures of what was returned to me. 


I would like to proceed with all necessary to be refunded for my phone as well as compensation for this inconvenience, stress and all the incorrect info being reported to the credit bureaus. Not only they did not protect me as a seller. They also helped a person steal from me. I will Include all the documents PayPal also received for this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The accounts listed below are not valid and incorrect. Adversely affecting my health and not able to apply for other credit. 

XXXX XXXX XXXX - Acct # xxxxxxxxxxxx XXXX XXXX - Acct # xxxxxxxxxxxx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Midland Mortgage reported my account as being delinquent due to them receiving the Home Owners Assistance Fund and proof of wire transfer from previous Mortgage carrier XXXX XXXX XXXX for both the month of XXXX and XXXX. I have made a dozen calls to Midland Mortgage and to the XXXX XXXX XXXX to confirm that the payment was wired from XXXX XXXX XXXX to Midland mortgage for both XXXX 's and XXXX 's payment to avoid them reporting negatively on my account. Today i get an alert showing that Midland Mortgage reported on my credit report that my account was delinquent when i did everything i could possibly do to prevent this and was told that on XX/XX/28 that i did not have to worry about this issue because they are working hard to locate the wired payments that XXXX XXXX XXXX wired to them in XXXX and XXXX. I need this fixed immediately because i take my credit very serious.

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 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.T.R. Financial Services, Inc.
State: NY

Complaint narrative:
I am aware that according to article XXXX, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with RTR Financial Services and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving RTR Financial Services any right to collect on this alleged debt. I have never received any documentation requesting validation from RTR financial services. If RTR Financial services can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until RTR Financial services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and RTR Financial services continues its collection efforts, I will file for litigation for actual damages caused and RTR Financial services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Santander consumer usa violated my rights After reviewing the truth in lending they provided me the calculations was all wrong. Not only that they have been furnishing my information to XXXX party with out my consent or notice. My car was recently stolen from my possession with XXXX party affiliated which i have never consent for them to continue giving out my personal information I recently sent them a notice to stop and deceits they continue to violated me with no regards to my notice. i have suffered tremendously from this whole ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with Experian, XXXX and XXXX. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with The CBE Group , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving The CBE Group , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from The CBE Group , Inc . If The CBE Group, Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until The CBE Group, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and The CBE Group , Inc continues its collection efforts, I will file for litigation for actual damages caused and The CBE Group, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I paid off my Grain account in full but they are continuing to report it as I owe to all of the credit bureaus. I tried to log in to the app to contact them but they have locked me out and I'm assuming because I have paid them in full. I received a notification a few days ago stating my credit limit was decreasing from XXXX to XXXX which is fine since they locked me out of my account months ago because I got married and they claimed I couldn't prove my name change even though I sent in all the proper paperwork and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I the consumer and natural person, was denied credit by when I applied for an auto loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

I have already alerted them that they are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against due to the response I received. 

Capitol One is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of the company All actual damages pursuant to 15 USC 1681n and 15 USC 1681o. 


Ive also noticed the inaccuracies myself in seeing my first name spelled completely different on both adverse action letters ive attached. Reference numbers are also on attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Our Capitol One XXXX Credit Card bill is paid in full monthly. On XX/XX/XXXX the bill due was {$2600.00}. When paying the bill via ACH, inadvertently a XXXX was added, making the amount paid {$26000.00}. 
We contacted the credit card company to correct the error the following days ( XX/XX/XXXX ) and after four efforts including supervisors, the best they could offer was to authorize a paper check be mailed after XXXX days from due date ( XX/XX/XXXX ) and an additional XXXX business days for the check to arrive. This is wrong. The payment was made via ACH transfer and the $ XXXX should have been immediately returned to us via ACH transfer. Waiting a month for our money to be refunded is outrageous! We desire immediate refund of monies due along with the same interest and penalty fees that would have been imposed on us were the roles reversed. The bank 's process would be fine for {$200.00} but certainly NOT for $ XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with XXXX, Transunion and XXXX. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with XXXX, XXXX and Equifax. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XX/XX/XXXX I authorized {$100.00} to be taken out of my checking account, they took {$1200.00} out of my account. Called them on the XX/XX/XXXX guy told me I would be getting a refund check for {$1100.00} in 3-5 business days got nothing in that time frame. Called back on the XX/XX/XXXX lady I talked to told me it should come on the XX/XX/XXXX again nothing.Called back on the XX/XX/XXXX 4-5 times that day couldnt get any help, dont know for sure if they kept hanging up on me or if the call kept dropping after they kept me on hold for 5-10 minutes each time.

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