vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My student loans were taken out in the XXXX and XXXX and I am a victim of predatory lending practices by the servicer of my original student loans XXXX XXXXXXXX XXXX Who was recently sued by CFPB for millions of dollars for defrauding students like myself. My damages are that when my loans were serviced by XXXX XXXXXXXX XXXX. I was victimized and not told of my options like, because I am a XXXX XXXX XXXX XXXX I was eligible for XXXX loan forgiveness and instead they continued to push me into deferments and forbearances. Please understand that these student loans were taken out in the XXXX and XXXX and I had no smartphone or computer to investigate on my own and do my own research. I only had a phone to speak with the servicers and the representatives on the other end of the phone giving me misinformation. I am a XXXX XXXX XXXX XXXX in title 1 under served areas and have been for 26.5 years. I took these student loans out in my XXXX XXXX XXXX XXXX and I am now XXXX. The loans now are a whopping XXXX due to having predatory servicers! I want this money paid back to me! All the interest they accrued which made my loans greatly increase! I want justice given I am providing documentation. I seek damages totally XXXX. I am in default with the federal government because of servicers like XXXX XXXXXXXX XXXX And this is why my student loan debt is now XXXX. Predatory practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of inaccurate information listed in my credit reports. The details regarding my employer, home address, and other personal information, as specified in the attached letter, are incorrect. 

Having this inaccurate information on my credit reports poses a significant risk, making me vulnerable to identity theft. I kindly ask that you investigate this matter and take the necessary steps to correct these inaccuracies as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your response.

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 2024-09-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-09-21 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: WA

Complaint narrative:
XX/XX/year> - I called in to get information on when I needed to pay off my account before interest accrued. I paid off the amount the XXXX XXXX employee gave me to avoid interest. However, this information was incorrect and the extra interest was added to my account which caused a delay in payment. 
XX/XX/year>- I called XXXX XXXX again informing them of the issue with the balance owed because of the interest that was added. I was told this would be resolved and my payment wasn't due for another 19 days. 
XX/XX/year> - I was connected with a Case Specialist via email and was given a resolution timeframe of on or before XX/XX/XXXX which was 3 days before my payment was due. 
They did not provide a proper resolution in the given timeframe which led to the late payment. 
XX/XX/year> - a 30 day late payment appears on my account XX/XX/year> - I reached out again and was assigned to a Case Specialist on XX/XX/XXXX and given a resolution timeframe of on or before XX/XX/XXXX. 
XX/XX/year> - They responded saying they need more time. 
XX/XX/year> - They provided a resolution and XXXX XXXX agreed to remove the extra interest charges and the associated late payment fee. However, despite these adjustments, the late payment still remains on my credit report. 

This lingering record of late payment continues to jeopardize my credit standing, despite the fact that the initial error was due to misinformation provided by XXXX XXXX staff.

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 2024-09-21 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: WA

Complaint narrative:
XX/XX/year> - I called in to get information on when I needed to pay off my account before interest accrued. I paid off the amount the XXXX XXXX employee gave me to avoid interest. However, this information was incorrect and the extra interest was added to my account which caused a delay in payment. 
XX/XX/year>- I called XXXX XXXX again informing them of the issue with the balance owed because of the interest that was added. I was told this would be resolved and my payment wasn't due for another 19 days. 
XX/XX/year> - I was connected with a Case Specialist via email and was given a resolution timeframe of on or before XX/XX/XXXX which was 3 days before my payment was due. 
They did not provide a proper resolution in the given timeframe which led to the late payment. 
XX/XX/year> - a 30 day late payment appears on my account XX/XX/year> - I reached out again and was assigned to a Case Specialist on XX/XX/XXXX and given a resolution timeframe of on or before XX/XX/XXXX. 
XX/XX/year> - They responded saying they need more time. 
XX/XX/year> - They provided a resolution and XXXX XXXX agreed to remove the extra interest charges and the associated late payment fee. However, despite these adjustments, the late payment still remains on my credit report. 

This lingering record of late payment continues to jeopardize my credit standing, despite the fact that the initial error was due to misinformation provided by XXXX XXXX staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: WA

Complaint narrative:
XX/XX/year> - I called in to get information on when I needed to pay off my account before interest accrued. I paid off the amount the XXXX XXXX employee gave me to avoid interest. However, this information was incorrect and the extra interest was added to my account which caused a delay in payment. 
XX/XX/year>- I called XXXX XXXX again informing them of the issue with the balance owed because of the interest that was added. I was told this would be resolved and my payment wasn't due for another 19 days. 
XX/XX/year> - I was connected with a Case Specialist via email and was given a resolution timeframe of on or before XX/XX/XXXX which was 3 days before my payment was due. 
They did not provide a proper resolution in the given timeframe which led to the late payment. 
XX/XX/year> - a 30 day late payment appears on my account XX/XX/year> - I reached out again and was assigned to a Case Specialist on XX/XX/XXXX and given a resolution timeframe of on or before XX/XX/XXXX. 
XX/XX/year> - They responded saying they need more time. 
XX/XX/year> - They provided a resolution and XXXX XXXX agreed to remove the extra interest charges and the associated late payment fee. However, despite these adjustments, the late payment still remains on my credit report. 

This lingering record of late payment continues to jeopardize my credit standing, despite the fact that the initial error was due to misinformation provided by XXXX XXXX staff.

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 2024-09-21 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX 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 re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 

USAA FED SVG BK - SAN AN Account Number : XXXX Charge Amount : {$93000.00} Date Opened : XX/XX/2023 Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, 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 2024-09-21 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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 if the person knows or has reasonable cause to believe that the informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> I recieved a Bank Of America Credit Card in mail. It was a XXXX XXXX rewards credit card. I did not apply for this card. I called them to get it cancelled. I am waiting on documentation in the mail.

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 2024-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 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 re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  Charge Amount : {$960.00} Date Opened : XXXXXXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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:
I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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:
I am writing to file a formal complaint against [ name of the credit bureau ] due to the unresolved status of previous disputes regarding unauthorized inquiries on my credit report. I have submitted formal disputes on three separate occasions ( [ date of the first dispute ], [ date of the second dispute ], [ date of the third dispute ] ), but I have not received an adequate resolution. I believe the actions ( or inactions ) of the credit bureau constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute of Incorrect Personal Information and Request for Investigation Dear CFPB I am writing to formally dispute inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I have identified several discrepancies that indicate misuse of my personal information, resulting in financial harm and denied access to credit. 

Inaccuracies Identified : Incorrect Employment Information : All of the employment listed on my report in incorrect. 

Incorrect Addresses : there are multiple incorrect addresses, there should only be 1 correct address listed. 

Multiple Names Listed : I should only have 1 name being reported on and there are 3. 

Unrecognized Hard and Soft Inquiries : i do not recognize ANY of the hard and soft inquiries listed. 

Closed Accounts and Collection Accounts Not Recognized : all collections accounts have creditors that i have never heard of or contracted with. These inaccuracies have negatively impacted my creditworthiness, as evidenced by recent denials for credit applications. Under the FCRA ( 15 U.S.C. 1681i ), I am entitled to dispute any information that I believe is inaccurate. 

Under the Fair Credit Reporting Act, credit reporting agencies must ensure that the information they provide is accurate and complete. Additionally, UCC 9 mandates that financial institutions maintain accurate records concerning consumers ' credit. 

Request for Investigation : I request a thorough investigation of these discrepancies, which substantiate my claims. 

Please provide me with written confirmation of the investigation and any findings related to this dispute. I seek a full remedy for the damages incurred due to these inaccuracies, including any applicable fees. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Debt was charged off and now it's considered a certificate of indebtedness which means, according to the IRS, it's income now therefore it's eligible for removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Errorenous reporting that must be REMOVED. It's been over 60 days since XX/XX/year> I sent my dispute and I havent received a response. This must be removed immediately BankruptcyXXXX  Status : Discharged Reference # : XXXX XXXX Amount : Date Filed/Reported : XXXX  Closing Date : Liability : Exempt Amount : {$0.00} XXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX XXXXXXXX Account : XXXX XXXX XXXXXXXX Account : 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 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Date of Birth : XX/XX/XXXXSSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation