vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ive reached out to the credit reporting agencies and have not recieved a response i gave an ample amount of time 15 U.S.C 1681 sec 602 A. states i have the right to privacy 15 U.S.C 1681 sec 604 A states a consumer reporting agency can not furnish a account without written instructions Account was not deleted or modified on my report according to the 15 U.S.C ( 5 ) ( A ) ( i ) 15 U.S.C 1681 s-2 ( a ) a person shall not furnish any info relating to a consumer to any credit reporting agency if they believe some info 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 2022-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I have purchased a service on XX/XX/XXXX ( XXXX  ) at XXXX called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  for XXXX ; Multiple Days Available, selecting one of the available dates : XX/XX/XXXX ( XXXX  ) at XXXX. 

After my order was placed, it became pending status. After a few minutes, my order status became refund. Then the screen started showing that I have only a partial refund. 

I immediately contacted XXXX customer service. They said my order was rejected due to inventory shortage ( but their website was not updated accordingly ). They said they can not give me a full refund, even though it is their fault not to update the website and they are the one who cancelled my order immediately. 

Its a fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have been on XXXX for almost 3 years now and been trying to get my XXXX XXXX  taken off and they are making it really difficult for me to do so or they keep telling me different things and I am so frustrated and it is affecting my mental health and need someone to take care of this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I found a bunch of credit inquiries on my report from a bunch of unknown companies on my credit report. I need these removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RMS-Recovery Management Services, Inc.
State: NY

Complaint narrative:
I received a notice to pay an alleged debt by XX/XX/2022 from RMS , IncXXXX on XX/XX/2022 I sent a certified letter ( XXXX XXXX ) asking RMS, Inc. to validate alleged debt made pursuant to 15 USC 1692g sec. 809 ( b ). I asked the alleged creditor 1. Have they sold this alleged debt? 
2. to whom is this debt sold to and for how much was this debt sold?

3. Are the alleged creditors still in the process of collecting this debt? 

On XX/XX/2022 Recovery Management services , Inc. ( RMS ) sent me a pile of statements from an alleged creditor or whomever in which RMS is being deceptive and creating a false belief in me as an consumer that the alleged " creditor '' was attempting to collect, which is not true. 

Pursuant to 15 USC 1692j ( b ), any person who violates this section shall be liable to the extent under 15 USC XXXX {$1000.00} ( XXXX XXXX USD )

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 2022-10-24 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: AZ

Complaint narrative:
I payed off a debt years ago and yet I continue to get harassing calls claimed that I owe a debt and that I'm going to go to court. The latest calls have been from XXXX XXXX XXXX According to the representative is ran by XXXX XXXX and XXXX XXXX. Not only am I getting calls but they are calling my work, my friends and family. I really need help in getting this to stop. It is adding tremendous stress to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Comerica
State: CA

Complaint narrative:
I talked to XXXX bank went in that they had nothing to do with my account when the money was taking out they told me to leave I called direct express company to send me my paper work on my account to see where the money went I called two times never sent the paper work so here I 'am thanks very much XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-10-24 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Update Personal Information on Credit Profile

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 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given XXXX  XXXX XXXX  ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from XXXX XXXX  XXXX  about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX  XXXX XXXX can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # 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 non-monetary relief
Consumer complaint received 2022-10-24 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: AZ

Complaint narrative:
Hi, Ive been working to resolve an issue with Experian since XX/XX/XXXX. A company I financed a loan with reported my correct address, but my incorrect zip code. I contacted Experian ( and the loan company ) to fix this issue. The loan company fixed it in 1 phone call. The agent I spoke with under Experian was kind and friendly and said it would take 48-72 hours to resolve. 4 days later, when the issue was still present on my report, I called again. Another friendly agent said theyd help and to wait 48-72 hours. 4 days later, the issue was still present. I spoke with Experian on the phone regarding this same issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Somewhere along the way, an agent deleted my entire correct address. Now, instead of my report reading just an incorrect zip code, it has an address that is not even in the right state anymore. Ive spoken to a dozen agents and at least XXXX managers, have been promised calls back multiple times ( and they never call back ), and everytime I ask to speak to a manager they connect me to a different department that says they can not help me with my issue. At this point, I can not get approved for a loan, house, or even a savings account because my credit bureau doesnt match my actual residential address. I can not get ahold of anyone that will help and I have lost hope. I have no idea how to resolve this issue. Someone please help me.

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 2022-10-24 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

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 2022-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am demanding that all the INQUIRES listed are removed from my consumer report. I did not give any consent to these companies to pull from my report. This is fraud and a violation, in pursuant to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I demand that inquiries are immediately removed upon receiving this complaint. If they are not removed within 14 days I will take further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kansas Counselors, Inc.
State: KS

Complaint narrative:
Please see attachments. XXXX  Counselors is violating my consumer and privacy rights, the FDCPA and the FCRA. XXXX Counselors has committed fraud by purchasing, obtaining, using and trafficking to third parties my nonpublic personal information to coerce payment from a debt i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uplift, Inc
State: VA

Complaint narrative:
I have disputed this fraudulent account opened for so many times. I am a victim of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: UT

Complaint narrative:
I contacted Mohela on Friday, XX/XX/XXXX to ask for a refund on my payments for my loan that had happened after XX/XX/XXXX and fell within the XXXX refund period. I was told that a refund for {$3000.00} ( my payment made on XX/XX/XXXX ) would hit my account around 30 days from the time I called. The representative mentioned the first or second week of XXXX be when I would receive a refund. I asked the agent on the phone if I could get a confirmation email or if something would be shown on my account and they said they could not do anything like that. So I have no written information besides the phone call I made because they were unwilling to assist me in that matter. 

It is now XX/XX/XXXX and I still haven't received a refund to my account with my payment. Currently my mohela account shows my payment was made on XX/XX/XXXX and does not indicate any pending refund. I have attempted multiple times to contact Mohela and I wait for an extended period of time without anyone answering the phone. There is no ability to email contact Mohela which makes it very difficult to get information to my loan servicer to guarantee that my request for a refund has been processed or will be processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: LA

Complaint narrative:
It has been and on-going issue with XXXX, Equifax and XXXX as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these accounts : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: LA

Complaint narrative:
It has been and on-going issue with Experian, XXXX and XXXX as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these accounts : 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

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 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I found out that this was a collection debt for XXXX XXXX which is an animal hospital. I do not have nor have I ever had a pet and I notified the collections agency. I reported that this was a result of identity theft and they are still saying it belongs to me without any proof.

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 2022-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Hi ive traded my XXXX XXXX XXXX  in XX/XX/XXXX to a dealership for an upgraded bigger vehicle because i was expecting in XXXX. by XX/XX/XXXX i called penfed credit union to ask for a payment date change because i was going on XXXX leave & because I would be out of work my income /dates would be as they were so i asked i was deniedXXXX i called back to ask for my due date changed again & why i was denied again so i tried to continue making monthly payments on the XXXX of each month..this became overwhelming..i then called to ask can i refinance the car because my income has changed i was denied..so as im trying to keep up on my payments i was noticing that penfed took XXXX XXXX XXXX card numbers off the account for direct deposit so wen the money is authorized to be withdrawn its never getting withdrawn it jus sits until i call which is days maybe weeks later then im getting penalized for this with extra fees..so on XX/XX/XXXX i called them again ( which is every month ) i spoke w a young man who changed my date for me to the 2of every month starting XXXX XXXX its now XXXX XX/XX/XXXX & i have the money in my account still & i call penfed to ask why r my deposits never getting took off the card for my loanthe representative says she dont see a payment date change in the system, i didnt pay for XXXX i proceed to tell her wen the moneys there take it i have life insurance cable phone rent etc coming off days apart so u guys have to accept wen its there..because others are going to take theres off & i shouldnt be held accountable for theyre lateness i asked to speak to a supervisor she then puts me on hold literally for XXXX XXXX jus to tell me her supervisor is not available to speak with me then she says i never had insurance since I bought the car i told her maam i cant drive off the lot without insurance i had XXXX XXXX i also let her kno that it laspe & was due to me being outta work & i will get back on asap..i paid XXXX of my income tax on this car & im making my payments regularly here it is XXXX they still havent took theyre money they keep saying XXXX XXXX havent released the money then it was i had a bad card sometimes i get hung up on & im scared they will repo my car she said i was only one month back & i told her due to u guys not taking the money off other creditors have taken theres thats why im alil behind..please help me

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