vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-02 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: GA

Complaint narrative:
AIDVANTAGE IS NOT PROVIFING ME MY MASTER PROMISSORY NOTE. I SPOKE WITH A REPRESENTATIVE FROM THEIR COMPANY TWO WEEKS AGO THEY STATED THEY WOULD EMAIL ME THE DOCUMENTS. 

I am aware there is a past due balance and agree to pay the following financial obligation regarding ACCOUNT : XXXX to which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of receiving this Conditional Acceptance sent certified mail return receipt XXXX XXXX XXXX XXXX XXXX requested you deliver to me the following : provide a copy of the master promissory note and disclosures according to The Truth and Lending Act. 
provide a validation of the debt, that, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX XXXX that is, a signed Invoice. 
A copy of the Contract binding both AIDVANTAGE and XXXX XXXX send that letter by recorded delivery so that there is an independent witness to it having been delivered. 
A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
IN THE EVENT YOU HAVE BEEN SECURITIZING MY NOTES AND FAILED TO PROVIDE ME MY SHARE, I WOULD LIKE TO BE REIMBURSED MY 80 % WHICH I AM ENTITLED TO RECEIVE BY LAW, IF THEY WERE SOLD IN SECONDARY MARKET. PLEASE REDIRECT MY SECURITIES TO THE UNITED STATES TREASURY SO THAT THEY MAY BE SECURITIZED THROUGH MY TREASURYDIRECT ACCOUNT XXXX. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to. 
The XXXX  number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

IF YOU CAN NOT SUPPLY THIS INFORMATION, I WILL BE FORCED TO FILE A CMPLAINT WITH THE SECURITIES AND EXCHANGE COMMISION IN WHICH YOU ARE GOVERNED. 

Thank you for your time and attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXX BENEFICIARY Authorized Representative for XXXX XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved. 



STAMPED ( LAWFUL MONEY THAT GOES TO THE QUEEN ) AND ENDORSED STATEMENT WAS SENT TO THE INDENTURED TRUSTEE XXXX XXXX XXXX XXXX, XXXX. FOR CANCELLATION OF THE SAID DEBT AND REQUEST FOR PROPER TAX FILING BE MADE. 


THE US DEPARTMENT OF EDUCATION STATED IN FERPA THEY WOULD NOT SHARE ANY OF MY INFORMATION THIS IS A VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX 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

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 2023-09-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: CA

Complaint narrative:
In XXXX, I requested Student Loan Forgiveness which was granted but taken away. All my loans were consolidated at the same time into one loan and the loan servicing agent changed to XXXX. Today, I discovered that the combined loan which is over $ XXXX still remains on my credit report along with the individual loan line items from the prior loan servicer NLS which make my debt appears as doubled and is being reported as potentially negative based on those multiple line items and my credit score has taken a XXXX point drop. Every single old address was added back to my report out of no where and again this all has happened over night. Currently, I am XXXX not working, still attending school and trying to keep at least my finances intact the best way possible. The information that the credit reporting agency is sharing as public information is wrong and has a detrimental impact to my livelihood. Its unfair and its wrong!!!! Please help to remedy this matter.

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 2023-09-02 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: CA

Complaint narrative:
In XXXX, I requested Student Loan Forgiveness which was granted but taken away. All my loans were consolidated at the same time into one loan and the loan servicing agent changed to XXXX. Today, I discovered that the combined loan which is over $ XXXX still remains on my credit report along with the individual loan line items from the prior loan servicer NLS which make my debt appears as doubled and is being reported as potentially negative based on those multiple line items and my credit score has taken a XXXX point drop. Every single old address was added back to my report out of no where and again this all has happened over night. Currently, I am XXXX not working, still attending school and trying to keep at least my finances intact the best way possible. The information that the credit reporting agency is sharing as public information is wrong and has a detrimental impact to my livelihood. Its unfair and its wrong!!!! Please help to remedy this matter.

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 2023-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
There saying that I owe {$2400.00} for a car there saying was under my name when that is not true the only car I have had under my name is the car I have currently and I have has if for about 5 years the man that keeps calling Me has been very rude telling me that I need to pay it or he's gon na sue me in a very aggressive tone he also said that it's on My credit I told him I never had another car so how can I have a debt for a car I never had he then says you need to pay it or there gon na take legal action so call us when you have the money and hangs up. I don't know how my name is associated with this vehicle or how he got my number he has called 4 times very rude

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: CO

Complaint narrative:
I always make all of my credit card payments on time but in XXXX of XXXX  whenever I would log into my account, at least once a week, the website showed I didn't have a payment due. This went on for several weeks and at some point, the company 's website went down because it was switched to a different platform. By the time I was finally able to log back in which was not more than a week after the last attempt, the account was showing as 30 days past due. I have never made any of my credit card payments late and when I tried explaining to the company what had happened and how I was misled, the company did not care. I have tried disputing this error on my credit report with all three major credit bureaus for over a year but have not been successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAP ONE AUTO ( Duplicate Reporting ) Capital One Account # XXXX CAPITAL ONE AUTO FINANCE is reporting to XXXX as - Derogatory 90 days late payment. And CAPITAL ONE AUTO FINAN ( Duplicate Reporting ) Capital One Account # XXXX XXXX  is reporting is as a Repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
An individual follows me thoroughly and seems to great knowledge of my credit history. This individual has scammed me about three or four times in the past and I believe I am the victim of identity theft from her.I have attempted disconnect communication but she is a cyber problem.

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 2023-09-02 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: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I have been dealing with this check and go collections for years this account has been paid in full i have submitted all the proof i have filed two complaints with you on XX/XX/2023 and it was resolved now the same collections is showing up again with a different collection 's agency - shouldn't XXXX know that it's already been resolved this is ridiculous - Can you please help me resolve this again. 
prior complaints- XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I sent a formal request via certified mail requesting validation bearing my signature showing that I have or ever had some contractual obligation to pay them. I mailed this on XX/XX/. 
In return, I received a letter stating, " XXXX XXXX '' to pay them by XX/XX/XXXX  or they forward to an attorney in my state for possible litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: GA

Complaint narrative:
I notified Equifax that there are inquiries on my consumer report that i didn't authorize or have knowledge of. I uploaded the document that proves that my information was compromised and that my data was breached. They still haven't removed the fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
At the time of my application for the Chase Freedom Unlimited Credit Card, the advertised rewards promotion was " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening ''. The fine print clearly stated that this welcome offer was { and still is } available to all new card members if you do not have this card and have not received a new card member bonus for this card in the past 24 months. I have never had a Chase credit card so I met the XXXX requirements for this promotion. After being approved for the card I spent {$8000.00} in the first 3 months and noticed I never received my {$200.00} per the advertised promotion. After many communications back and forth with Chase representatives the following information was disclosed. Although the advertised promotion on my computer screen the day I applied was " Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account opening '' Chase determined I was not eligible for the promotion, and proceeded to apply an inferior promotion to my account, that inferior promotion equates to earning {$7.00} when I spend {$500.00}. I have asked for the reason why I was determined ineligible for the advertised promotion the day I applied and Chase has refused to disclose that. I have pointed out that per the advertised promotions ' terms and conditions, the practices they have used for me are illegal. They engaged in bait-and-switch advertising to entice me to apply for their credit card just to give me a less favorable offer. They also used false advertising because the offer and the offer 's terms and conditions clearly stated this offer is available to all " NEW customers that have not had a Chase credit card the prior 24 months. I was a new Chase customer at the time I applied. I also applied for the credit card through the welcome offer advertisement as the terms and conditions suggested. Lastly, my denial of the advertised offer is in violation of the Equal Credit Opportunity Act. I have asked Chase to prove it was not in violation of the act and they simply requested I trust it was not. I do not trust anything this company has stated. I want to know the specifics behind my not being approved for the {$200.00} welcome offer and then the lesser offer being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX I had became an authorized user on a XXXX  XXXX account my score was XXXX equifax in XX/XX/XXXX my score drop XXXX points and it say that the score drop due to me being removed from a capital XXXX account for 5 months I been trying to get this issue resolved my other XXXX credit reports are reporting fine from XXXX  XXXX and XXXX  XXXX equifax is not showing anything and is saying I was removed from XXXX  XXXX which is incorrect from XX/XX/XXXX to XX/XX/XXXX XXXX still an active XXXX  XXXX member for my own account as well as the account that Im listed on as an account XXXX with full access

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions BANKRUPTCY- XXXX XXXX REMOVED SO I NEED IT GONE ASAP. IF THEY'RE NOT REPORTING WHY ARE YOU???? THEY ALSO STATED THAT BANKRUPCIES IS PUBLIC INFORMATION< ANYONE CAN GET THAT INFO, SO WHY ARE YOU DAMAGING MY REPORT WITH FREE INFORMATION. 
15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
THE COMPANY IS IN VIOLATION OF 15 U.S CODE 1681E ( B ) BY CONTINUOUSLY REPORT INACCURATE INFORMATION ON AN ACCOUNT FURNISHED ON MY CREDIT REPORT. THE ACCOUNT NUMBER IS INCOMPLETE HOWEVER THE ACCOUNT IS XXXX  XXXX XXXX. I'VE SUBMITTED MULTIPLE DISPUTES AND SOMEHOW THIS INFORMATION REMAINS UNCHANGED. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED. 

IN PURSUANT TO 15 U.S.C 1681S-2 ( A ) ( 1 ) ( A ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER OR ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE ANY INFORMATION TO BE INCORRECT. 

ACCORDING TO THE IRS, A CHARGE OFFIS CONSIDER AS '' ORDINARY INCOME '' OR CANCELLED DEBT. INCOME SHALL NOT AND CAN NOT BE REPORTED TO A CONSUMER REPORT. THE COMPANY HAS FILED THIS INFORMATION ON THEIR TAXES THEREFORE IT IS NO LONGER DEBT. 
THIS INFORMATION REPORTED IS INCORRECT, INACCURATE, INCOMPLETE AND MISLEADING.

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 2023-09-02 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: TX

Complaint narrative:
In reference to claim XXXXXXXXthat is currently still OPEN with the CFPB. Transunion never responded or gave updates. Instead, they automatically sent an automated response in the MAIL which I did not request, saying they did an investigation and everything I stated was inaccurate. I don't know how an investigation could be completed in a day over a serious matter in the still OPEN complaint that i have that's nowhere even resolved. As a consumer I am entitled by law to a thorough investigation, and I did not receive that. So, I would like to know how the information and investigation was " verified ''. Would like to know the exact PROCESS and PROEDURES used in said investigation.

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 2023-09-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello I have tried to fix the issue with XXXX and as well as all the credit Bureaus.. and No one has helped me with this issue.. 
The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, and the last date active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under. 

15 U>S>C section 602 A. States I have the right to privacy.

15 U.S.C 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 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 information is inaccurate. 

I have evidence of 11 different violations from XXXX, XXXX, and Equifax. That I will provide in docs.

Company response to consumer: Closed with explanation