vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX credit card has reported my XX/XX/2022 as late on both XXXX and Equifax. I spoke to an XXXX agent on or around XXXX and advised the agent that they wrongly reported my card payment late for XX/XX/2022, to both XXXX and Equifax XXXX He did research and agreed that this was an accidental error on XXXX end. He said he would note the account about this error and would try to get it corrected. I advised the agent that I would be also disputing this error with XXXX and Equifax. Which I did dispute this error on or about XXXX Equifax updated my report to XXXX being current on or about XXXX. XXXX updated my report to being current and ontime for XXXX on or about XXXX. My credit report for both Equifax and XXXX updated to XXXX being paid on time and my credit score reflected the correction. Assuming this error by XXXX Credit Card had been corrected I was happy. 

Then on or about XXXX, I get an email from Equifax saying the Dispute is complete. Thinking nothing of this, and that the issue was rectified given the update on XXXX I did not research this at that time. 

Then on or about XXXX I get an email from XXXX saying the dispute is complete, again thinking nothing of this I did not research it at the time. 

On or about XXXX I checked my Credit report and saw a major drop in my credit score on both XXXX and Equifax. Admittedly I freaked and immediately researched the cause of this drop. My XXXX XXXX payment had reverted back to XXXX days late and XXXX was a missed payment by them. So on or about XXXX I filed a dispute with both XXXX and Equifax in regards to this error once again. 

Equifax completed the second dispute one day later on XXXX and now shows the XXXX payment as missed and 60 days late. Even worse now XXXX completed the second dispute on XXXX, and still shows the XXXX payment as missed and XXXX days late. 

I immediately called XXXX on XXXX at XXXX XXXX XXXX  XXXX the call was approximately 13 minutes. and explained the situation. I was placed on hold for a period of time and The agent once again confirmed there was an error on their end and to quote the agent sent to the back end for correction my issue with this is the agent was very vague when I asked if this was from the previous call or this call.. The agent really didn't specify, I asked for an email confirming and stating this and the agents reply was it will take 60 days to correct this on the back end, then you'll get an email ( whatever that means ) Feeling as though, I couldn't just take this XXXX agents word I asked for the agents name ( the agent said her name was XXXX but then spelled it XXXX ) I asked for an employee number and the XXXX Agent Said her number was XXXX. I really dont have much confidence that I was even given an accurate name or XXXX Employee Number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I registered a gift card to PayPal and attempted to use it immediately after registering it. I received the notification that the funds were transferred to PayPal. Each time I tried using it, the transaction would not go through. It would not be declined, it would just cycle and notify me that it was a pending transaction. On my first call to PayPal, all the pending transactions were deleted as was the gift card. I was told the funds were transferred back to the gift card and to call them to confirm. I did that, there were no funds transferred. The gift card ( XXXX XXXX ) had a transaction recorded from Paypal which I never received any confirmation of, and did not, nor could not make through my Paypal account. My next call to Paypal, was with XXXX, I was instructed to get documentation from XXXX XXXX confirming a Paypal transaction, then to call again to get a claim opened. I called and spoke with XXXX, was told a claim would be opened, and I would receive email confirmation. No email came. I don't have the exact dates for these previous calls but they were more or less within a month or two of the final call on XXXX XXXX, 2022 at XXXX ( PST ). Phone answered by XXXX, transferred to a XXXX : XXXX. XXXX assured me that claim had been opened and I would receive an email within 7-10 days. XXXX XXXX was day 10. No email except a generic one from Paypal with no claim number and basically to log in and start the process over again. All of these contacts are conveniently not recorded in my Paypal account. According to XXXX, there was a transaction with two people on that card. I do not know those people. Paypal has the record, and has had it all along to be able to trace the transaction. I never received a notification of the charge, and I was unable to make a charge. Paypal 'customer service ' is abysmal. There was never any follow up, the website doesn't allow for detailed, specific issues. XXXX assured me, when I asked, " How do I know this is even going to be opened as a claim? ", that it would and gave me a badge number. I attempted to get answers on the website, but that was useless. Paypal assures consumers that their money is safe. It was not safe. However, I would like to say that the gift card company, XXXX, has excellent customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The following Credit Bureaus are in violation of the FCRA Act 601 ( a ) ( 1 ), & ( 611 ), 623 ( a ) ( 5 ), Also FCRA Compliance Date Act. XXXX, XXXX, TransUnion. along with Collections Agency, ( XXXX XXXX XXXX, response to CPFB response XXXX reference number XXXX ). 
All attached evidence of Violations and inaccurate reporting on this account is provided on the account in question. ( See Attached ) XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A response was received by CFPB by XXXX XXXX XXXX in reference to XXXX XXXX XXXX, which clearly stated in the response the " Date of First Delinquency '' for this Account XXXX, is XXXX XXXX? ( see attached ) XXXX is reporting on my credit file the " Date of First Delinquency '' for this same Account is in question XXXX XXXX XXXX XXXX XXXX? ( see attached credit file ) TransUnion is NOT reporting any Required according to FCRA Compliance Date, '' Date of First Delinquency '' on my credit file which is required for reporting? ( see attached ). 

XXXX is NOT reporting on my credit file the " Date of First Delinquency '' for this account as required by FCRA Compliance Date ACT. ( see attached credit file ) The FCRA Compliance Act not only Requires the " First Date of Delinquency '' to be reported on the credit file, but also Required the reporting " Original First Date of Delinquency '' to be the same and can not be changed in all reporting agencies, It is illegal to re-age the account date which is a serious committed violation. 

Also, XXXX XXXX XXXX, on behalf of XXXX XXXX has NOT provided the required information, which was requested to validate the account. Submitted Monthly statements, and the agreement contract, does not substitute the requested documentation agreement that bears the " SIGNATURE of the alleged debtor wherein he/she agreed to pay the creditor.This information has not been received, and is vital since a serious violations of the original first date of delinquency differs in the credit reporting bureaus on account in question. 

XXXX is reporting on my credit file in reference to the same account XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX A Balance of {$930.00}, A Status of serious past due, assigned to attorney collection internal agency, BUT REPORTING ACCOUNT IS PAID OFF on credit file ( see attached ) with no original date of delinquency reported on account this is a requirement according to FCRA Laws.

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 2022-10-09 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: LA

Complaint narrative:
The following Credit Bureaus are in violation of the FCRA Act 601 ( a ) ( 1 ), & ( 611 ), 623 ( a ) ( 5 ), Also FCRA Compliance Date Act. XXXX, Equifax, XXXX. along with Collections Agency, ( XXXX XXXX XXXX, response to CPFB response XXXX reference number XXXX ). 
All attached evidence of Violations and inaccurate reporting on this account is provided on the account in question. ( See Attached ) XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

A response was received by CFPB by XXXX XXXX XXXX in reference to XXXX XXXX XXXX, which clearly stated in the response the " Date of First Delinquency '' for this Account XXXX, is XXXX XXXX? ( see attached ) Equifax is reporting on my credit file the " Date of First Delinquency '' for this same Account is in question XXXX XXXX XXXX XXXX XXXX? ( see attached credit file ) XXXX is NOT reporting any Required according to FCRA Compliance Date, '' Date of First Delinquency '' on my credit file which is required for reporting? ( see attached ). 

XXXX is NOT reporting on my credit file the " Date of First Delinquency '' for this account as required by FCRA Compliance Date ACT. ( see attached credit file ) The FCRA XXXX XXXX not only Requires the " First Date of Delinquency '' to be reported on the credit file, but also Required the reporting " Original First Date of Delinquency '' to be the same and can not be changed in all reporting agencies, It is illegal to re-age the account date which is a serious committed violation. 

Also, XXXX XXXX XXXX, on behalf of XXXX XXXX has NOT provided the required information, which was requested to validate the account. Submitted Monthly statements, and the agreement contract, does not substitute the requested documentation agreement that bears the " SIGNATURE of the alleged debtor wherein he/she agreed to pay the creditor.This information has not been received, and is vital since a serious violations of the original first date of delinquency differs in the credit reporting bureaus on account in question. 

XXXX is reporting on my credit file in reference to the same account XXXX XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX, A Balance of {$930.00}, A Status of serious past due, assigned to attorney collection internal agency, BUT REPORTING ACCOUNT IS PAID OFF on credit file ( see attached ) with no original date of delinquency reported on account this is a requirement according to FCRA Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-10-09 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: AES/PHEAA
State: TX

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. 
" FedLoan Servicing '' added late payments to my account that was false even added an extra month of late payments. 
XXXX assumed this role without permission not only that they did not have my consent. XXXX did not respect my right to privacy which is under 15 USC 1681 a number 4. 
XXXX did not exercise grave responsibility, they were unfair, they were partial. 
Im taken the liberty to file a CFPB report and an attorney general 's complaint. 
XXXX never had a permissible purpose Under 1681 b number 2. 
I never instructed those guys to furnish this report and I never consented to this report in the first place. 

( FedLoan servicing added late payments to my account that was false even added an extra month of late payments )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Grain Technology, Inc.
State: SC

Complaint narrative:
I have been trying to contact the company to pay my monthly payment and have not been able to do so. The company has been replying to my emails but has failed to send me a link to pay as I have requested. I no longer have access to the original telephone number or a cell phone, so I can not get into the account and they are aware of that information as stated in my email messages. his has been working perfectly fine but apparently sometime in the last month their app DISCONNECTED from my bank and stopped processing payments and then informed me that it was being reconnected. The original loan amount was {$700.00}. I was a customer that did not miss any payments and now I have missed payments due to this issue, despite ignoring my pleas to pay using any other method. The account is now reporting to my credit as late which is unfair. Ive never been more horrified by a company 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
After initially crediting my credit card account for {$2600.00} on XX/XX/2022, based on a dispute I filed with a merchant, Barclays charged my account on XX/XX/2022, for the same amount. 

I later learned ( in correspondence by Barclays on XX/XX/2022 ) that this charge was based on the merchant providing screen shots of the terms and conditions that online applicants agree to by procuring their services through their website. The merchant also claimed that all services had been provided and the order was complete. The customer information in the screen shots was blank and the merchant provided no details regarding the services that I purchased, the manner in which I procured them, or the terms of the invoice that I was actually provided. 

The letter of XX/XX/2022, from Barclays stated that the reason for their decision was that " We were not provided with an itemized invoice/contract and/or a second opinion. '' Yet, on XX/XX/2022, I did, in fact, provide Barclays with the actual details regarding the services that I purchased, including the invoice and terms and conditions. 

Barclays never addressed the content of my letter, the fact that I had no direct agreement with the merchant ( they were a passthrough for the company that I did have an agreement with ), or the faulty documentation provided by the merchant. I attempted to address this in a reassertion of the claim to Barclays, but again, the dispute department failed to acknowledge my documentation or review the faulty documentation provided by the merchant.

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 2022-10-09 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: CA

Complaint narrative:
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigation, they stated in writing that I was verified that these items are being reported correctly ; who verified these accounts? 

XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$270.00} Equifax Online Information {$600.00} ( This debt was not verified and put on my Credit Report x2 ) XXXX XXXX {$380.00} ( not verified to mine ) and has been paid in full and I have no idea how because its not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: NC

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. 
XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX acct. XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 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 explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
On XX/XX/2022 I received documentation from CAVALRY SPV I , LLC claiming that I owed them an alleged debt. First off, 18 USC 8 states that all debts and alleged debts are the obligations of the United States. Cavalry SPV and any person aiding them in the collection of any alleged debt shall follow the guidance in 15 USC 1692 ( Fair Debt Collections Practices Act ) and any violation of any section of this title will result in civil liability for actual damages. Cavalry SPV not only failed to provide documentation of an agreement bearing my signature I have with them stating I owe them an alleged " debt '' but they also furnished a deceptive form ( 15 USC 1692j ) to trick me into believing I owe them anything! The abuse and harassment I have received from the criminals at Cavalry SPV will not be tolerated especially when their claims can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: The Savings Group, Inc.
State: NY

Complaint narrative:
Rate genius I have two vehicle ones a motorcycle in the rate I was paying {$490.00} they were often they could lower my payment a month. They told him was my car when his clearly says on my credit report, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
My husband ( XXXX XXXX ) and I ( XXXX XXXX ) opened a Navy Federal More Rewards XXXX XXXX  XX/XX/2022 it had been set up by us for reoccurring statements. The bill was paid automatically every month without any late or incomplete statements. Every bill was paid in full each month. The bill due on XX/XX/XXXX was not paid. The bill was for {$460.00}. I called Navy Federal on XX/XX/2022 at XXXX ( when I was first notified that the bill had not been paid ) to inquire as to what the issue was " the system did not make the transfer ''. XXXX our representative called the " Advanced Team '' to find out more, and I was told " they would research it. '' And that was all that wound happen. If I wanted to speak with anyone else about it, I would need to email a complaint to a complaints email. I then spoke with XXXX XXXX who stated that more research would have to be done on why this occurred. Because our checking and savings are Navy Federal, when logging into Navy Federal to have access to our money, all that shows is " your account is delinquent '' in huge red letters and a huge " Pay now '' button with no other way to access my account. There was also no option view the statement and I was told by XXXX " I will mail it to you. '' I feel that my money is being held hostage and I am concerned about how this late payment will impact my credit score, I am concerned that Navy Federal does not notify customers of late payments prior to logging in ( no email was sent, no call was made, no letter was sent, I even went to the bank on Friday and the teller did not let me know ). I am concerned that I can not access my money. I am concerned that I was asked to {$460.00} without being given access to any documentation or reason why this was unpaid, and without being shown a statement. The attached image is what shows up upon logging in to Navy Federal, instead of our accounts page.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation