vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
XXXX5 U.S. Code 1681a - Definitions ; rules of construction 15 usc 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( Congress didnt said anything about a XXXX score or a vantage score ) ( where is late payment a factor late payment is a factor on the factors of XXXX factors of XXXX are not your consumer ) ( your XXXX score or your XXXX algorithm or whatever XXXX or XXXX is not included in the definition of what your Consumer Report ) 15 usc 1681 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( if Congress says a consumer 's transactions between the consumer you and the person Corporation was XXXX XXXX XXXX XXXX whoever making the report is not included in your Consumer Report ) ( the term Consumer Report does not include report containing information solely as to transaction then what is a payment history isn't that information solely on just transactions that I have made using that line of credit between me the consumer and that creditor ) ( this section of the law speak on accuracy it speaks on your transactions are not included in your consumer Report ) so I never asked you about accuracy ( the question is does the late payment exist NO IT DOESNT by this definition ) ( so if you are reporting that accurate prove to me prove to me without a shadow of a doubt that you can report a transaction history on my credit. )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
cards were purchased in amount of XXXX XXXX and XXXX to pay stuff online and protect my personal information from being exposed attempted to use at XXXX, XXXX, XXXX, even tried using them at my own location to ensure they work attempted to use at several locations, were declined everywhere, amex wasn't able to solve issue. 
now im stuck with unusable gift cards that no one accepts under deceptive advertising that it is accepted anywhere where amex is accepted

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's really disheartening to see unauthorized inquiries on my credit report, and I don't know why they're there. I double-checked, thinking it might be a temporary issue, but it's not. I feel incredibly stressed, and I'm asking for immediate action to review my case thoroughly and remove these inquiries so I can move forward without worry.

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 2024-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I have been dealing with XXXX XXXXXXXX since XXXX. The interest rates are outrageous. Everytime I renew my income repayment plan my bill INCREASES. I have paid OVER DOUBLE the amount of interest than what the original loan was for. If I want to put my loan in forbearance it is required that you pay {$XXXX} per loan. When you talk to representatives they do not offer other options about how to lower the rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
I have a problem with this company as they are reporting inaccurate information on my credit report. I tried to reach out to them to correct it and they don't do anything about it. I am stressed out because of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked and upset this morning to find unauthorized inquiries on my credit report with no explanation. I check my report regularly, but this time, there were unexpected discrepancies. I refreshed my browser, hoping it was a glitch, but the inquiries remained. This whole situation is frustrating, and I am asking for a thorough review of the documents I've sent to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Finance Company, LLC
State: CT

Complaint narrative:
XXXX XXXX had me served with Writ and Notice of Suit today XX/XX/2024. Never sent me any documentation before this about account transfers or what my rights are including how to dispute. Account is in the wrong name.

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 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One closed my credit card account today and when I called to find out why they closed the account they did not give me a direct answer. The first representative told me is was because of inactivity however I have been active with the card within the same month and previous month ( XXXX ). The second rep told me it was because I breached the agreement by not paying however I have bank statements showing that I have made payments. The last rep was asked to give me a valid reason why the account was closed and all he said was " it can not be reopened ''. Capital One has closed this account for no particular reason and are refusing to reopen it. Additionally, if they were to claim that I had misused the card which " breached the agreement '', the agreement we signed has an arbitration clause. This means that if there was any dispute we should have went to private arbitration which we did not. And as such I will not be paying ANY balance due as they have breached our agreement and demand/request that this agency removes this account from my consumer reports. I will also notify consumer reporting agencies to get this information removed from my reports for breach of agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
After Reviewing my Credit Report with EXPERIAN I noticed Inquiries on my EXPERIAN Credit Report that I did not Authorize that are not connect to any account on my credit report by these banks of dates listed, XXXX XXXX Inquires Date XXXX, XXXX XXXX XXXX XXXX Date XXXX, XXXX XXXX  Date XXXX, XXXX XXXX XXXX  XXXX XXXX Date XXXX. According to 15 USC 6802 ( d ) A financial institution shall not disclose, other agency an account number to similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent nor instructions for any inquiry to be allowed to report to EXPERIAN Credit Bureau. Please verify all written letters. 18 USC 1028A Aggravated Identity theft. EXPERIAN Credit Bureau has committed a crime according to 18 USC 2028A Aggravated Identity Theft. Please remove all inquiries on my credit Report with EXPERIAN

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 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CORELOGIC INC
State: NJ

Complaint narrative:
The Following companies, XXXX, XXXX, XXXX, Corelogic, XXXX XXXX, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwThe Following companies, XXXX, XXXX, XXXX, Corelogic, XXXX XXXX are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. XXXX, et al, has failed and/or refused to implement a block> I have also demanded secific verifications : ( 1 ) Any insurance claims ; ( 2 ) chain of title ;, i.e.

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 2024-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quest Legal Group
State: NM

Complaint narrative:
Supposedly I obtained a loan while working for XXXX XXXX XXXX which closed in XXXX ) and listed my XXXX as a reference for said loan despite my not knowing him until XXXX. I have attempted to contact the company via phone and email, the email was returned as not-deliverable and the phone goes directly to voicemail. I would like loan origination documents provided to me. I will attach the correspondence from the company.

Company response to consumer: Untimely response
Consumer complaint received 2024-09-12 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-09-12 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : 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 2024-09-12 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : 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 2024-09-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have established linked accounts to transfer funds between my other bank to XXXX by Goldman Sachs Bank. I have been transferring small amounts of money in and out without any problems. When I tried to transfer a larger amount, my account was frozen. I called the customer 's service on XX/XX/year>, and was told I answered my previous address information incorrectly. They were sending an Affidavit of Identity for me to fill out and get notarized. After not receiving it for over a week, called them again and was told that it takes XXXX days. It's now been XXXX  days and still have not received it. I XXXX online and found many similar complaints and was able to print out a copy of the Affidavit from the website. No clear instructions as to where to send the affidavit. Address on the form ( XXXX  ) and from website ( XXXX XXXX XXXX XXXX ) are different.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX. XXXX XXXX XXXX According to 15 U.S.C. 1692 its illegal to share information about credit report your in violation frca please remove from 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 explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
Saw puppies for sale on XXXX site XXXX XXXX XXXX. Selected puppy and sent XXXX transactions on XX/XX/2024, XX/XX/2024 and XX/XX/2024. Puppy was supposed to be deliver XX/XX/2024 but never got puppy. Reached out to Td bank and was notified after 7 days wouldnt be getting my money back even though I advised them I was a victim of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient placed by student loan from XXXX into forbearance at around roughly XXXX and did not inform me that it was accruing interest. It was roughly in XXXX that I was sent a letter that my loan was coming out of forbearance and the loan had ballooned from {$XXXX} to {$XXXX}. Payments were almost {$XXXX} and I had to refinance in order to make payments. I refinanced with XXXX which is also a sister company of Navient. My parents and I were not properly informed of options and interest costs. My parents were forced to file XXXX  a few years ago but this loan was not allowed to be part of that settlement.

Company response to consumer: Closed with explanation