vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX Under the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : 1. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

2. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the address within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 2024-03-08 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Im not aware of this debt I didnt have opportunity to dispute this debt because I did not receive proper notification. Please send me the certified mail receipt with my name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a BMO relationship checking account on XX/XX/XXXX and this is the first time I've dealt with XXXX XXXX service charge policies. 

On XX/XX/XXXX, my BMO statement posted, and my account was hit with a {$25.00} service charge for insufficient minimum daily balance < {$10000.00} ( balance was {$9200.00} ). To rectify this, I called customer service immediately to get the charge removed and immediately transferred in {$800.00} to get my balance above {$10000.00} ( balance was {$10000.00} ) so that I wouldn't be charged on the next statement. 

On XX/XX/XXXX, I was charged again {$25.00} for insufficient daily balance. On XX/XX/XXXX, I called BMO customer service. Apparently, my account didn't meet the minimum daily balance requirements because the funds I transferred took 2 days to hit the account. For 2 days, my account didn't meet the minimum balance requirement of {$10000.00}. That means from notice of service charge, BMO gives me less than 1 business day to correct my insufficient balance. Otherwise, I am hit with another service charge. This is unreasonable as I put forth my best effort to rectify my account balance to avoid the service charge in the first place. 

I spoke with BMO customer service over the phone, over chat, and in person at a bank branch. Every time, I am met with complete indifference to reversing the service charge. They refuse to hear me out as a customer and use their arcane policy to collect unreasonable fees from the backs of their customers. 

If anything comes of this CPFB complaint, I hope at least it gives BMO fair warning that they can not take advantage of their customers. 

Thank you, 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 2024-03-08 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:
I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, accounts name & account XXXX ) that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX XXXX XXXX XXXX XXXXXXXX ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again.,

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 2024-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX I made dispute with XXXX that there information was in accurate and false reporting. After further reviewing the Direct Consolidation Loan Application and Promissory Note. I requested for the Promissory Note with my signature but instead it's a typed out. Further more the note stated I attend college in CA in XXXX but on the AIDVANTAGE website it states I went to college in XXXX at XXXX XXXX in XXXX FL, how can I attend a college in Florida and live California. this document doesn't have a Florida address. Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. I did not attend this college in Florida! I requested a Promissory Note with my signature but instead I'm given XXXX  with false reporting of Identify theft of my information attending a college in Florida but yet this document states I lived in California ( I WOULD HAVE APPLIED FOR A STUDENT LOAN IN THE STATE I LIVED IN! I CAN NOT APPLY FOR A STUDENT LOAN IN FLORIDA AND USE A CALIFORNA ADDRESS ATTENDING THIS SCHOOL. BY LAW I NEED TO RESIDE IN THE STATE THAT I WAS ATTENDING TO GET FINANCAIL AID! THE FOLLOW ACCOUNT : School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED Disbursement Date XX/XX/XXXX Original Principal {$4500.00} School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED Disbursement Date XX/XX/XXXX Original Principal {$3500.00} THIS MATTER WILL BE REPORTED TO THE FTC NEXT IF AIDVANTAGE REFUSES TO INVESITGATE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx XXXX Under the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account incorrect and has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : XXXX. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

XXXX. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the following address contained within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.

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 2024-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
XX/XX/2020 doing Covid relief.. credit acceptance who I purchase my vehicle through. They had a XXXX relief program to where your car got under the program due to XXXX XXXX it was said to stop making payments on vehicle, no interest will be added or nothing or late payments will be reported to credit bureau XXXX XXXX on credit. Instead they have been reporting everything and late payments with high interest rates to my credit knowing the vehicle was in XXXX program and now its on my credit XXXX years straight late payments and interest rates and now looking like I never paid them a dime towards vehicle. And still got vehicle making payments but credit messed up and they will not remove it or fix anything saying they apologize it has to stay like that.

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 2024-03-08 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: NV

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XXXX Date XXXX XX/XX/XXXXXXXX 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 Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : 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 Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2024-03-08 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: NV

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} Chapter XXXX XXXX  XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$600.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed XXXX {$600.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-08 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: MS

Complaint narrative:
I have been try to get this company to clean my credit up and delete the things I dispute and update my credit report they took my credit score down and I am not understanding why I am XXXX  years of age and pay my bills on time my score should be XXXX not XXXX one day my score will be XXXX next day XXXX I will like my score to stay 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 2024-03-08 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: MS

Complaint narrative:
I have been try to get this company to clean my credit up and delete the things I dispute and update my credit report they took my credit score down and I am not understanding why I am XXXX  years of age and pay my bills on time my score should be XXXX not XXXX one day my score will be XXXX next day XXXX I will like my score to stay 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 2024-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Hello, I am a US citizen and Nevada resident. I have ample evidence to support all claims I made in this complaint. I have been trying to transfer my crypto off of PayPal for a month and have spent hours on phone calls with them for weeks now.. They have permitted 3 transfers to go through to 2 different wallets but seem to randomly block some. At this moment I am completely unable to transfer my assets off their platform. Their system sometimes allows use of my phone number registered to my PayPal account for XXXX and sometimes gives the message This type of phone number isn't supported.. Check your number and try again. I have a standard US phone number with XXXX. I have been careful to stay within their weekly transfer limits and carfollowed all their security procedures. I have had an account with them for 20 years. A few times PayPal has attempted to blame XXXX wireless for PayPals internal sporadic firewall issue. I have had lengthy conversations with XXXX which I have been a customer for over 20 years as well. PayPal additionally claimed my address for my phone did not match the address I have on file with PayPal. These are just a sample of the creative excuses they have come up with. They have never been able to explain why 3 transfers were permitted to my wallets and now they are blocking them. I want not forewarn you that if they say I have the option to sell my asetts on their platform I can then withdraw US dollars- this is entirely unacceptable because I will incur a substantial fee from PayPal and this is a taxable event and I am not wanting to incur a tax bill at this moment. I

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-08 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: NJ

Complaint narrative:
According to XXXX XXXX XXXX Everything must be XXXX percent XXXX accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to XXXX use XXXX ( XXXX ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to XXXX XXXX XXXX ( XXXX ) and they never did. I have proof of my letter for that. 
Also according to XXXX XXXX XXXX XXXX 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX that case transunion still hasn't fixed my credit while the other 2 had my credit fixed in a week and transunion is the one whos keeping me from getting a XXXX credit card. i need them to expedite my reconciliation i do not understand how 2 credit reporting agencies can sort it out in a week and transuninon needs 90 days? please help get them to rectify this thank you.

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