vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I Stanley-Howard : XXXX /agent XXXX the principal did not authorize anyone from XXXX to collect on any debt pertaining to my principal in accordance with 15 usc 1681 b they will not stop trying to collect on said debt

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 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lewis, McDonnell & Associates
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S.C.1681 section 602 states that I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions, under 15 U.S.C. 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-09-25 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: TX

Complaint narrative:
You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
CHRAGED ME {$14000.00} FOR GOODS AND SERVIES WE NEVER RECEIVED. THEY HAVE BEEN GIVEN DOCUMENTS FROM MULTIPLE ENTITIES, HERES ANOTHER FROM A LAWYER ACROSSED THE COUNTRY STAEING THEY HAVE BASICALLY WORKED WITH XXXXXXXX XXXX WARRANTY COMPANY TO CONTINUNE TO DEFRAUD XXXX AND CONTINUE TO CASUE EMENSE FINANCIAL DITRESS TO MY FAMILY. NOT TO MENTION XXXX XXXX XXXX XXXX XXXX  IS SUPPOSED TO BE IN XXXX XXXX AND GET THERE BECUASE HER TRUCK IS STILL IN THE SHOP AFTER 18 MONTHS. 

- THE CONTINUE TO INTIENTIANLLY STEAL FROM USE - THEY HAVE NOT ADDRESSED THIS ISSUE WITH ME ONCE IN 2 YEARS AND I CO SIGNED FOR THIS LOAN AND THEY NEVER GAVE MY WIFE WHAT I SIGNED FOR. 

credit acceptance has been supplied with hundreds of documents and they STILL commit fraud taking our money, charging us, and post late payments for the fraudulent sale!!!! DENIED AGAIN FOR AN AUTO LOAN YESTERDAY!!!!!!!!!!!!!! Why? Late payments posted by 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
Consumer complaint received 2023-09-25 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.

Complaint narrative:
The balance on my account is incorrect. I have emailed Aidvantage about this issue but I have not heard back from them in three weeks. 

I used to have an account with XXXX before my account got switched over to Aidvantage. Before the switch, I paid off all the interest and paid {$1400.00} towards my principle balance. On XX/XX/ I noticed that interest had accrued on my account of {$220.00}. Which shouldn't have happened, because the COVID forbearance period was still in effect. I brought this up to XXXX and they said that there was an issue with updating accounts and that it would be handled. Towards the end of XX/XX/2023, my account was transfered to Aidvantage with the accrued interest. I emailed Aidvantage on XX/XX/XXXX and was told to allow up to 90 days for all the information to update. Fast forward to XXXX XXXX XXXX I have emailed my situation to Aidvantage but have yet to hear back from them after three weeks. Before this random accrued interest appeared on my account, and before the loan service switch, my principal balance was at {$29000.00} with {$0.00} in accrued interest- this is what should be my current balance... but now my account states that my balance is at {$29000.00}. I did happen to notice that my payment history from when I was making payments to XXXX has not been transfered over to my account ( at least, I am unable to see it ). But before my account was switched, I was able to take screenshots of my payment history and the randomly accrued interest which I would be happy to share. 

As we all know, payments resume this XX/XX/2023. I would like for this issue to be resolved so it doesn't become a more complicated and bigger mess to untangle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: UT

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-09-25 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CHRAGED ME {$14000.00} FOR GOODS AND SERVIES WE NEVER RECEIVED. THEY HAVE BEEN GIVEN DOCUMENTS FROM MULTIPLE ENTITIES, HERES ANOTHER FROM A LAWYER ACROSSED THE COUNTRY STAEING THEY HAVE BASICALLY WORKED WITH XXXX PLUS WARRANTY COMPANY TO CONTINUNE TO DEFRAUD US AND CONTINUE TO CASUE EMENSE FINANCIAL DITRESS TO MY FAMILY. NOT TO MENTION MY WIFE CAN BARLY WALK IS SUPPOSED TO BE XXXX XXXX XXXX AND GET THERE BECUASE HER TRUCK IS STILL IN THE SHOP AFTER 18 MONTHS. 

- THE CONTINUE TO INTIENTIANLLY STEAL FROM USE - THEY HAVE NOT ADDRESSED THIS ISSUE WITH ME ONCE IN 2 YEARS AND I CO SIGNED FOR THIS LOAN AND THEY NEVER GAVE MY WIFE WHAT I SIGNED FOR. 

XXXX XXXX has been supplied with hundreds of documents and they STILL commit fraud taking our money, charging us, and post late payments for the fraudulent sale!!!! DENIED AGAIN FOR AN AUTO LOAN YESTERDAY!!!!!!!!!!!!!! Why? Late payments posted by 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 non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is very frustrating. Experian is not properly investigating my credit. I have sent multiple documents showing this account is not mine, police reports etc. the other credit bureaus removed XXXX XXXX because I presented the proper documents. Experian is ignoring my rights and letting outsiders access my personal information each month and is harming my reputation! They are fake verifying me with old addresses I never lived at. They are not properly investigating.

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 2023-09-25 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-25 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-09-25 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: GA

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-09-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: FL

Complaint narrative:
I went to inquire about at apartment a while ago in XXXX XXXX XXXX I never signed a lease agreement or anything so about 3 months back I get a bill in the mail for {$11000.00} at XXXX XXXX for XXXX XXXX XXXX but I never stayed there and then the damage went to my credit for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My student loan transferred from Great Lakes to Nelnet, and the repayment plan did not transfer over correctly, so my minimum monthly payment is now much higher than it should be. I requested a change on XX/XX/XXXX  and was told it would take 7-10 days to process. It is now 17 business days later, and I have not received any communication regarding this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a Citi checking and savings, on XX/XX/XXXX there was a check presented writtem out mt account ending in XXXX for XXXX ( XXXX ) XXXX dollars. The fraud department phoned, I spoke with them and informed them that the check that was presented was not written out by me do not let it go through. They assured me it would not go through, the check did in fact go through thus promoting a fraud/hold on my account. After countless phone calls leading me no where I went into XXXX Citi banks meeting with bankers trying to get clarity on what was going on with my account, the banker at the last branch I went into assisted me in getting all the necessary documents signed and sent into the proper departments of Citibank back office. 

Was told that it would take 90 days for the investigation to take place. Not understanding why at minimum I can not receive a temporary credit and why it is taking so long for this internal investigation to take place when the check that was written is not my handwriting and or signature. 

I had to open a new account at a different bank in order to pay bills.

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