vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: Kikoff Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act, you have violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I purchase a refurished XXXX XXXX on XX/XX/XXXX my Pay Pal Credit. The phone has never connected to my XXXX in my auto. Also people on the other end of the phone line can not hear me. First, I thought it was the building, I then purchase a XXXX and I have no problem. I file a dispute with XXXX XXXX back in XX/XX/XXXX. They denied the dispute. I have appealed the dispute twice. They still denied it. 
I sent a letter from XXXX XXXX sales manager, explaining to them that the phone had issues, the phone would not pair to my vehicle. I also sent the sales receipt showing that I had to purchase a new XXXX cell phone. The appeal still was denied. I am shipping the phone back to Synchrony Bank. I will not continue to pay for the cell phone. 
I car would not start at my job. I tried call an individual, they were on the other end of the phone line, yet could not hear me talking to them. This phone was left outside in the winter weather, it was days before I discovered that the phone were hidden in my flower bed. Therefore the box was wet. I will be shipping this phone back to Synchrony Bank.

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 2023-05-16 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: TX

Complaint narrative:
I don't think an investigation was done because there are two accounts that's still being reported that I have no knowledge of. I notified the credit reporting agencies that the creditors have yet to verify that the account is mine so how is it being reported? My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Attached is my XXXX data breach claim. I am asking for an investigation of the following accounts and the deletion of both from my credit report immediately : 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 non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My student loan was sold two different agencies XXXX and Nelnet during a dispute with Great Lakes. This by law is automatic default once the debt is sold. The creditor has defaulted on this loan. The company also plans to continue to collect on a debt they have defaulted on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: TX

Complaint narrative:
Equifax, please explain how you are reporting the account XXXX XXXX XXXX as accurate when XXXX does not report this account and XXXX isn't reporting any payment history. You have 7 late payments, but when I contacted the creditor, they gave me different information. If you can not provide how you are reporting this account per FCRA then please remove the late payments and update this account to closed with no lates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, BELOW ARE THE LIST OF ALL FRAUDULENT 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 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 2023-05-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting multiple companies I do not own accounts with and never have. I have sent multiple disputes and ask them to show proof and owner ship of the accounts. They never did anything I asked of them to do. I sent them numerous disputes. 

These reports are all incorrect and inaccurate. None of it make sense. 


XXXX XXXX POTENTIALLY NEGATIVE Balance {$320.00} Balance updated XXXX XXXX, XXXX XXXX XXXX Balance - Balance updated - XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$7300.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$720.00} Balance updated XX/XX/2023 XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$80.00} Balance updated XXXX XXXX, 2023 XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$87.00} Balance updated XX/XX/2023 XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/2023 XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/2023 U S DEPT OF EDXXXX POTENTIALLY NEGATIVE Balance - Balance updated - U S DEPT OF ED/XXXX Balance - Balance updated- XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$3300.00} Balance updated XX/XX/2023 2023

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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
receive threatening phones calls all hours of the day and night I didn't opened this line of credit with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
This is a violation of FCRA! {$360.00} was opened with Southwest XX/XX/2023 as a collection on my credit report. 

This same amount of {$360.00} was deleted not too long ago for inaccuracy with XXXX  ( now its back on my credit report, but as a collection with Southwest in XXXX ) ( Original Creditor : XXXX XXXX XXXX XXXX ). This is a violation of FCRA!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Marcus by Goldman Sachs had a special offer in early XXXX : " Get a { {$100.00} } Cash Bonus when you deposit { {$10000.00} } in new funds to a Marcus Online Savings Account. '' The requirement was to enroll in the promotion, deposit { {$10000.00} } in new funds within 10 days, and then maintain those funds plus the existing balance for 90 days after the 10-day funding period. I enrolled in the promotion on XX/XX/XXXX and received a confirmation email from Marcus. The promotion was correctly noted on my online banking account. I deposited { {$10000.00} } on XX/XX/XXXX to meet the terms of the promotion. The promotion dropped off my account due to an internal error on Marcuss part ( per their own admission ). I called and received a call back confirming they would be manually adding the XXXX bonus to my account on XX/XX/XXXX as I had met all the terms of the promotion on XX/XX/XXXX well its now XX/XX/XXXX and no bonus has posted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: FL

Complaint narrative:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage services my loan. I made my XXXX payment on XX/XX/15, on Freedom Mortgage 's website. I receive an email confirmation of my payment. On XX/XX/XXXX, I realized the payment did not get processed. On XX/XX/XXXX, I called Freedom Mortgage and discussed the issue with the representative and faxed the information I had showing I made the payment. On XX/XX/XXXX, I made both my XXXX payment ( again ) and the XXXX payment. I sent Freedom the confirmation number I received when I originally made the XXXX payment. In addition, I included the transaction history from their website showing I made the payment. I never have missed a payment and sent them the information showing I made the payment. Apparently, when I entered my checking account information when I tried to make the payment in XXXX, I mistyped one number of the account number. I did not realize that as I received an email confirmation that the payment was received. I sent Freedom everything I could think of to prove I made the payment and they are not reversing the late reporting. This has caused my score to plummet almost XXXX points and has severely damaged my credit rating. 

I attached a document from XXXX 's site showing the payment history. You can see on XX/XX/15, that I made the payment. The payment was reversed on the XXXX, but I was not aware of this until I realized the payment never processed. I also can send a copy of my bank statement showing I had more than enough in my account to cover this payment. Freedom Mortgage did not call or email me to make me aware of this issue.

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 2023-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Sir of Madam, On XX/XX/2023, we paid off our mortgage from Truist Bank, Loan Number XXXX. On XX/XX/2023, I called Truist bank, spoke with a XXXX to pay off any balance amount for getting a lien release. She told to download the payoff statement that showed a 'Total amount due to pay loan in full : {$200.00} ' with an interest of XXXX cents ( {$0.00} ) per day. Instead of taking the payment over the telephone, XXXX insisted on wiring the funds to them or pay by non-existing escrow account. According to the payoff letter/statement, there was an option to pay by mail. 

On XX/XX/2023, I mailed a check for {$200.00} along with payoff statement with 6 days of interest ( XXXX cents ) to allow for the mail delivery. On XX/XX/2023, I called Truist XXXX  and spoke with a XXXX who acknowledged receiving the check, but said that it was returned to me as they received it late ( Check was stamped on XX/XX/2023, after about 7 days ). He said that the payoff amount increased to {$740.00} without explaining how {$200.00} jumped to {$740.00} even though check was mailed on XX/XX/2023, with additional interest payment for 6 days till XX/XX/2023. When I explained to XXXX that I had no control on mail delivery and paid additional interest to cover the days, he did not have any answer and insisted on payment of {$740.00} and told to file a complaint ( XXXX XXXX. XXXX ). Reluctantly, I paid {$740.00} over the telephone, expecting that Truist would resolve the issue and refund us the extra payment of {$530.00}. 

Unfortunately, we did not receive any refund nor response nor follow-up as promised by a supervisor XXXX who XXXX had discussed with previously. 

On XX/XX/2023, I wrote a letter to Truist Bank regarding this error. Today, I received a letter from them stating that because the payoff was received on XX/XX/2023, the amount was changed to {$740.00}. There was no explanation regarding how XXXX cents per day interest would generate the difference of {$530.00} in one day. As you can see, we paid for additional 6 days of interest. 

We have reasons to believe that Truist Bank has overcharged us to enrich themselves and defrauded innocent consumers like us. 

Please take necessary steps to refund our money. 

Thanking you, Yours Sincerely, 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 monetary relief
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Re apple card account To whom it may concern im writing to see why my apple card was abruptly closed on XX/XX/2023 without and explanation when I called I was told to check the user terms that does not tell me anything I want a valid reason as to why this account was closed I have never been late on a payment and the account is current. I want this account reinstated. As a reminder you are not permitted by law to close an account for filing disputes. I have every right to do so if the merchant doesnt give a refund. In my case all the merchandise was returned to the merchant per thrir agreement and refunds never issued for it. I have reported this issue to the consumer financial protection bureau as well.. 

My ssi number is XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MN

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX  XXXX XXXX XXXX Owed : {$500.00} ; XXXX XXXX XXXX XXXX Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$3200.00} ; XXXX  XXXX Balance Owed : {$3600.00} ; XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$890.00} ; XXXX  XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$4800.00} ; XXXX XXXX  XXXX Balance Owed : {$27000.00} ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00}.

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 2023-05-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX committed XXXX XXXX XXXX I am a victim of identity theft and I never authorized this inquiry/account. 
This company XXXX opened a trade/credit account using incorrect address & name. 
They falsely posted that account to my credit report. 
I called XXXX customer support but no answer. They have no fraud department to submit complaints.

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 2023-05-16 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ex-spouse refinanced said property assigned transfer of deed XX/XX/XXXX in XXXX, CA and Recorded date showing XX/XX/XXXX. The said property only in ex-spouse name. 

Two credit bureaus showing account as current, 1 shows as potentially negative.

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 2023-05-17 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/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 2023-05-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief