vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of certain information on my credit report. Upon reviewing my credit report, I have noticed that there is personal information that is inaccurate or outdated. The details that need to be corrected are as follows : 1. Incorrect Names : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Correct Name : XXXX XXXX XXXX I have attached copies of documents such as my drivers license, utility bills, or any other relevant documents that verify the accuracy of the information provided. I request that you investigate these discrepancies and update my credit report accordingly. 
Please note that accurate personal information is crucial for maintaining the integrity of credit reports and ensuring fair assessment by lenders and creditors. 
I kindly request that you investigate this matter and update my credit report within the timeframe required by law. Your prompt attention to this matter is greatly appreciated. 
Thank you for your cooperation and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WV

Complaint narrative:
I took out loans as follows : On XX/XX/XXXX Original Amount ( 1 ) {$20000.00} ; on XX/XX/XXXX Original Amount ( 2 ) {$9400.00} ; on XX/XX/XXXX Original Amount ( 3 ) {$10000.00}. On XX/XX/XXXX the first three loans were consolidated at {$43000.00}. ( On XX/XX/XXXX Original Amount ( 4 ) {$3700.00} which was not consolidated ). 

Great Lakes then sold my loan to Nelnet with a starting balance of {$43000.00}. Nelnet received a discharge notice on XX/XX/XXXX of {$20000.00}. Nelnet then applied the discharged {$20000.00} to loan ( 1 ) {$20000.00} from XX/XX/XXXX which was in consolidated in the loan dated XX/XX/XXXX. They applied the {$20000.00} to a loan that does not exist. 

I have been calling for almost a year now. I get everything from blaming the Federal Student Loan agency to them just hanging up. They arent hanging up because of rudeness, they just dont know how to fix it or pretend not to know. Nelnet has been adding interesting for the past year on {$43000.00}. instead of {$23000.00}. 

Please see the attached PDF files showing my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
The XXXX XXXX XXXX account was opened pursuant to 16 CFR 433.1 was a purchase money loan in which I should have received a cash advance and I did not. The account was never credited for the certificate of indebtness or the dividend interest made off my treasury coupons via the Electronic Funds Transfer Act. The IRS states as well as 26 CFR 1.6050P this debt has been discharged and I should have received a 1099 for balances over {$1.00} to report as income. According to the UCC, I have no obligation to pay a promissory note, this would constitute as securities fraud. 18 USC 8 According to 12 CFR 1006.22 ( b ) Portfolio Recovery purchased a debt that XXXX could not collect, but by means unknown to me, they retrieved my banking information and began debiting my checking account UNAUTHORIZED by me for XXXX a month. ( Theft ) I located a notice they mailed to me LYING stating I REQUESTED for them to do so. Portfolio Recovery purchased the debt, so it belongs to them. Pursuant to XXXX XXXX, I owe no debt to this company. XXXX violated15 USC 1692 ( d ) by selling the account to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I still see inaccuracies on my credit report even after the credit bureaus furnished my report without written intructions to be modified. Date opened, last reported, last active and last payments are still inaccurate. In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Experian, XXXX and XXXX has violated my rights. 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions. I did not consent to have any of my reports furnished or modified.

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 2024-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland, XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, KS XXXX Complaint Against Aidvantage for Failure to Respond to Debt Validation and Unauthorized Account Changes Dear CFPB, This letter is to formally register a complaint against Aidvantage, my federal student loan servicer, for violating my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ). 

Account Details : Borrower Name : XXXX XXXX XXXX Loan Account Number ( s ) : XXXX Nature of Complaint : Validation of Debt, Request for Confirmation On XX/XX/2024, I submitted a written request to Aidvantage for debt validation in accordance with my rights under the FDCPA. This request has been completely ignored, and I have not received any response from Aidvantage. 

Furthermore, without my consent, Aidvantage has recently : Increased my interest rate on the loan ( s ). 
Modified my forbearance schedule, moving up the scheduled payments. 
I have not been informed of the reasons for these changes, nor have I been given the opportunity to contest them. 

Requested Relief : I request that the CFPB investigate these matters and take appropriate action against Aidvantage to ensure they : Validate the Debt : Provide detailed information regarding the origin and validity of the debt. 
Reverse Unauthorized Changes : Revert my interest rate and forbearance schedule to the previous terms unless they can justify the changes in writing. 
Comply with the FDCPA : Respond to my debt validation request within the legal timeframe. 
I am attaching a copy of my original debt validation request to this complaint. 

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was advised by a XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Unauthorized inquiries on my report. Use same format as before and list inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
Transunion, XXXX, and XXXX continue to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other names listed as this would be identity theft and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX any other address is not correct and will cause issues with my credit applications and me receiving my mail. The credit bureaus are required to report accurate information or this is a violation of my consumer protection rights known as the FCRA.

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 2024-03-28 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: MI

Complaint narrative:
These inquiries were not initiated by me, and I firmly believe they are fraudulent. I implore you to conduct a comprehensive investigation and promptly eliminate them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: MI

Complaint narrative:
Due to law 15 U.S.C code 1692 ( g ) the following debt below should not be reporting all three credit bureaus XX/XX/2020 ( XXXX XXXX ) - {$1000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XX/XX/2024 I was charged for XXXX For a service I did not want anymore I texted the company and they told me the charge was made in error and that it can take 90 Days to get that charge back reversed and my faster solution is to request the charge back from my bank I been dealing with this for 2 Weeks now and they company does no respond to me any more and they sent an email out and thats about it this company email is XXXX Phone number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
These inquiries need to go. They were initiated without my awareness or consent by the company.

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 2024-03-28 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: PA

Complaint narrative:
FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the paperwork? Certain accounts listed are erroneous concerning their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
Compliance with FCRA 605B necessitates the eradication of any erroneous accounts from my credit report. Could you double-check the documents, please? Some of the listed accounts are inaccurately reported.

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 2024-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Credit Management is using my last name and my home address to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of 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 2024-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I was in XXXXXXXX XXXX XXXXXXXX, XXXX, during the carnival season. While relaxing on the beach, I purchased a vape from a street vendor who was walking around selling them. After attempting to pay with my card, the vendor mentioned that his machine was not working properly and took my card to fix the issue with an associate. 
The vendor observed me entering my pin, and upon his return, he handed back my card along with the vape. However, I later received a notification from Capital One showing a charge of {$3800.00}, which included an additional {$29.00} charge from bar that mistakenly charged me twice for a drink. Despite my attempts to dispute the charges, Capital One declined my claim twice, citing inconsistencies in my story and the use of my pin during the transaction. 
As XXXX is my second language, there may have been translation issues that led to misunderstandings. I kindly request your assistance in resolving this matter and recovering the funds that were fraudulently taken by the street vendor, especially considering that items sold on the beach in XXXX do not cost such exorbitant amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-03-28 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I recently found out that an erroneous account was being reported in my name. As a result of being a victim of identity theft, periodically the bureau reassociates information and include it in my credit report. I have advised the reporting creditor many years ago. I'm not sure if it is XXXX retrieving and reflecting this information or the creditor. A repossession, with a balance of XXXX is being reported and should be immediately removed. I do not want to constantly check to see if the information resurfaces and I would like to know if the creditor is reporting this, because if they aren't... I will be seek advice on what action to take on 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 2024-03-28 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: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-29 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: FL

Complaint narrative:
Kindly update my account this causing me a lot of stress and 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 2024-03-29 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: WA

Complaint narrative:
In early XX/XX/XXXX, I discovered that XXXX XXXX had reported inaccurate late payments on my credit reports, even though my account with them was closed back in XX/XX/XXXX. I contacted their support team multiple times between XX/XX/XXXX and XX/XX/XXXX to dispute the late payments and request corrections. 

Despite assurances from XXXX XXXX 's representative that they submitted corrections to the credit bureaus, the problem was not fully resolved. They removed one late payment but failed to address the erroneous XX/XX/XXXX late payment. 

Now, as of XX/XX/XXXX, yet another incorrect late payment from XXXX XXXX is appearing on my credit reports with all three bureaus ( see attached TransUnion screenshot ). This has unfairly damaged my credit scores. 

I have documentation of my communications with XXXX XXXX regarding the original erroneous late payments. I believe they have demonstrated negligence in handling my personal financial information and a disturbing pattern of inaccurate reporting, even after the issue was brought to their attention.

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 2024-03-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
Company saying the we didnt return equipment and we did thru XXXX as instructed also last bill was paid. They add a collection account for {$190.00} in credit report Company name is credit management

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: PA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This unauthorized account is not mine, and I did not authorize its establishment. Please delete this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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