vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I am requesting a debt validation be done on these loans, including evidence of my agreement to the original loans, the evidence of a disclosure that Aidvantage says was provided to me when my monthly payments were changed without my consent the first time, and evidence of the disclosure when Aidvantage changed my payment terms again without my consent. If this documentation can not be provided it is clear Aidvantage has violated UDAAP and the TIL, and these loans should be closed and removed from my credit report. I would love to request this information of them directly but they do not answer phone calls nor do they respond to emails, so I am filing another complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AL

Complaint narrative:
I have sent messages to Mohela XX/XX/XXXX and called ( they have a very high call volume ). I have uploaded in-school deferment information on XXXX and sent another message XX/XX/XXXX when I received an email that same day saying that deferment was denied on XXXX of my federal loans with balances of approx $ XXXX. I called on XXXX and a representative said she would have it corrected and would submit information but since that date, all I've received is an email that XXXX loans are denied deferment. I don't know why. I logged on to Studentaid.gov and see my enrollment information is correct. It says Faulker Law, 4 years, Law School. I don't know why Mohela has XXXX loans in repayment. I also submitted a complaint through XXXX. I do not currently work due to full-time school. Some of my loans are in In-School Deferment, some are in Deferment, and 2 are in repayment. Shouldn't they all be in In-School Deferment?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: TN

Complaint narrative:
TO WHOM IT MAY CONCERN, I pull up my credit report today and I have several account that is reporting incorrectly. 
I have XXXX XXXX ACCOUNT # XXXX reporting date last payment XX/XX/XXXX and XXXXXXXX XXXX and Equifax XX/XX/XXXXXXXX 

Per the credit reporting act the account should be accurate across all the bureaus so which one of you guys reporting the correct dates? I know all of you can't be right because the reports are not accurate across the bureaus. 

Another error on this account # XXXX reporting on Equifax as a DEROGATORY, XXXX as PAID, and XXXX as PAID. So, again which one of you guys is reporting the correct report? All of you guys can not be correct because the report is not accurate across the bureaus. 

I need this account to be REMOVED IMMEDIATELY because it is not ACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
TO WHOM IT MAY CONCERN, I pull up my credit report today and I have several account that is reporting incorrectly. 
I have XXXXXXXX XXXX ACCOUNT # XXXX reporting date last payment XX/XX/XXXX and Experian XX/XX/XXXX and XXXX XX/XX/XXXXXXXX 

Per the credit reporting act the account should be accurate across all the bureaus so which one of you guys reporting the correct dates? I know all of you can't be right because the reports are not accurate across the bureaus. 

Another error on this account # XXXX reporting on XXXX as a DEROGATORY, XXXX as PAID, and Experian as PAID. So, again which one of you guys is reporting the correct report? All of you guys can not be correct because the report is not accurate across the bureaus. 

I need this account to be REMOVED IMMEDIATELY because it is not ACCURATE.

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 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am filing this CFPB report about a transaction I was scammed into making on my USAA Checking Account by the way of an Ach withdrawal that took place on XX/XX/2023. I am a Veteran with a XXXX XXXX XXXX ( XXXX  ) who was taken advantage of into making a purchase that I was not conscious of making at the time about a product I never received. I was SCAMMED INTO SENDING THE AMOUNT OF {$3700.00} to purchase a special type of computer ( XXXX  XXXX XXXX XXXX ) for my XXXX XXXX that the company -XXXX- never shipped. I have been unable to contact the sales merchant being XXXX about this matter of my money being stolen. The response I received from the company ( XXXX ) is " We do not refund stolen XXXX '' & the result ended in me being Scammed, Taken Advantage Of, & {$3700.00} being stolen. 
UNDER FEDERAL LAW : " banks must reimburse you if you've transferred money to someone because of a scam. This type of scam is known as an 'authorized push payment '. If you've paid by Direct Debit or ACH Withdrawal, you should be able to get a full refund under the Direct Debit Guarantee. '' I XXXX XXXX XXXX, Am Veteran With a XXXX XXXX, who had his disability taken advantage of & was tricked into sending this money and I need my bank ( USAA ) to credit my checking account & refund this purchase as soon as possible. 
I have been disputing this transaction since the End of XX/XX/2023, & The Beginning of XX/XX/2023, or about XXXX months after I was scammed into sending this money. I have been fighting with them even until Today, Monday XX/XX/2023. I need the CFPB to tell them to credit my account. People with disability, such as myself, are protected under the A.D.A. ( Americans with disabilities act ) in cases of money being stolen/scammed/of sent. 
Again The amount that I was scammed into sending back in XXXX from my Debit/Checking Account from USAA is {$3700.00} & I need help from the CFPB. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I just want to file a claim, I had a finance car accident. I brought the car to XXXX and XXXX insurance did not want to fix the car. Now Capital bank got the car, and the come after me instead the insurance company, they sent everything to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Claim was determined to be authorized transaction because it occurred from customers personal device even though device was reported stolen before transaction occurred. Told police report is not enough to change determination of investigation. XXXX XX/XX/2023 thieves were able to use card and phone to cash app themselves several XXXX dollars form my account. Reported this to chase bank and was denied any path towards recouping these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  XXXX XXXX # XXXX - IDENTITY THEFT XXXX XXXXXXXX # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To whom it may concern, I have pull my credit report and see this company XXXX XXXX account # XXXX still reporting some inaccurate information on my report. I have dispute this account before and still have not getting any response from the company. 
I need to know the steps taking to investigate this account and how it MEETS FCRA REQUIREMENT. 

There are several error on this account across the bureaus. Date last active is incorrect, Date open is incorrect across the bureaus and so many other errors on this account. 

Please DELETE THIS ACCOUNT IMMEDIATELY IF YOU CAN NOT PROVIDE THE STEPS THAT YOU TAKE TO VERIFY THIS ACCOUNTS. 

Because of these errors on my report I am getting denied for credit and make my life harder than it already is with this economy that we are in right now.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: PA

Complaint narrative:
A negative account was added to my credit report without any proof, this is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Accept XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card services I have a lot of banks on my credit report that ran my credit and I didnt know about it

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 2023-10-16 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: American Credit Acceptance, LLC
State: WI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Accept XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card services I have a lot of banks on my credit report that ran my credit and I didnt know about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: MN

Complaint narrative:
On XX/XX/2022 I had made a {$100000.00} payment towards my mortgage principal. I had 27 years left on my mortgage. I wanted to do a mortgage recast. When I called later in XXXX I was told I needed to wait a few weeks for my next statement in order to request a recast and I had one year to do so. I waited and had not called until XXXX XXXX being I had one year. They are now telling me there is nothing they can do for me and that I only had until the end of the year in which the payment was made which would have made it XXXX XXXX and its my investors policy. So I was lied to then. Now they are claiming its policy of my investor who my investor XXXX that I DID NOT chose. They are telling my now I need to make another at least {$10000.00} payment plus {$250.00} fee in order enact a recast request. They are telling me to take a home equity loan out for {$10000.00} at 9 % interest rate to pay them so I get a lower payment on my 3 % mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-16 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: IL

Complaint narrative:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: NY

Complaint narrative:
On 08/20/2023, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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