vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-23 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
I do not believe all this debt is correct, not sure how I have {$80000.00} - {$90000.00} dollars debt, this could not be correct. My loan servicer provider was XXXX but they switched the servicer to aidvantage right before the judge ruled on the predatory lending judgement. My account should have been included in the first judgment ruling but it wasnt because they move it to a different servicer. I never signed anything with aidvantage, I signed my loans with XXXX  and tried numerous of times to get help because I had become disable but they just gave me forbearance to solve the problem which didnt it made thing worse for me. I have proof that All my loans was from XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
My account with EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I noticed on my credit reports accounts that wernt mines

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 2024-10-23 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: CT

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
The account in question is listed as XXXX  XXXX account # XXXX routing # XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX XXXX ( XXXX/XXXX ) account # XXXX routing # XXXX, XXXX  XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX  XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX, XXXX & XXXX ( XX/XX/XXXX ) account # XXXX routing # XXXX and is reported to have been opened on dates above. This account does not belong to me. Please provide proof by way of a signed agreement that this account is mine. This discrepancy is causing harm to my credit score and overall financial well-being. 
Per the FCRA, I am entitled to have incorrect information removed or corrected promptly. 

Therefore, I am requesting that XXXX XXXX XXXX conduct a thorough investigation into this matter and provide me with documentation proving the validity of this alleged account. There's no such documentation that exists. I request that this inaccurate information be removed from my consumer report immediately : Please be advised that failure to comply with my request within XXXX days may result in further legal action being taken. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: AZ

Complaint narrative:
I wrote a letter to Experian on XX/XX/year>2024 requesting documentation and a copy of any contract signed by me that would support this collection. They have not responded and are in violation of the FCRA sections 609, 610 and 611 as noted below and on attachments. 

609 ( a ) ( 2 ) they have not provided sources of information on the collection.

610 ( c ) They do not have trained personnel to explain the information they provided. The phone number does not have a selection to speak to a human and no option for call back.

611 ( a ) ( A ) They have not deleted the item which has no proof of validity. They respond the it was verified but have not provided any documentation or details.

611 ( a ) ( B ) They have not provided the reasons for the determination.

611 ( 2 ) Have not considered my information provided. They come back with a boilerplate response that the item was validated.

611 ( 3 ) ( A ) They are unable to validate the item, but have not removed it from my credit report.


611 ( 3 ) ( B ) ( iii ) They have not provided a description of the procedure used to determine the accuracy of the item as I requested repeatedly.

611 ( 4 ) They have not provide a description of the reinvestigation procedure.

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 2024-10-23 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: PA

Complaint narrative:
Sent several letters to multiples places and the error was never fixed. The late payment on my car loan was never my fault. The car was totaled and insurance paid the car off.

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 2024-10-23 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: AL

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 information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
AFTER REVIEWING MY CREDIT I HAVE NOTICE A COLLECTION ACCOUNT POP ON MY CREDIT. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). IF YOU DO NOT CEASE COMMUNICATION A LAWSUIT WILL BE COMMENCED AGAINST YOU. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE FROM ALL 3 XXXX, XXXX AND EXPERIAN

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 2024-10-23 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: MD

Complaint narrative:
These accounts have been listed on my credit report for several months, causing me a lot of stress. Im requesting that you confirm if these accounts are actually mine. The inaccuracies have hurt my credit score and limited my financial opportunities, making it difficult for me to move forward with my plans and goals.

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 2024-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, two unauthorized transfers totally {$34000.00} were made from my savings account with American Express Bank to an external account at XXXX which was not my account. I discovered that the funds had been transferred the following day and notified American Express Bank that the funds had been transferred without my authorization. They conducted a short and incompetent investigation and later informed me that they couldn't recover the funds even though they had been transferred illegally. In my opinion, American Express Bank is guilty of fraud and negligence with a security system to protect their depositors to be totally worthless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
As youll see in the attachment which was sent to Wells Fargo is that I already has a Homeowners Policy however Wells Fargo continues to price gouge me once again. And despite following the directions from a high ranking representative by advising me to get this matter straight with my Homeowners Insurance they continues to play games and as you all can see just bill me beyond measure.

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 2024-10-23 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: NC

Complaint narrative:
I filed a dispute with Equifax over inaccurate reporting of a collection. This bill was paid in full on XX/XX/year>. I even submitted a letter from the original creditor showing this bill was paid and XXXX $ balance. Equifax has refused to remove this inaccurate information on 3 separate dispute occasions. I even called the creditor XXXX XXXX XXXX XXXXs ) and spoke with the manager XXXX XXXX XXXX and she stated that they have notified Equifax on 2 occasions ( XX/XX/year> & XX/XX/year> ) that the bill was paid and no longer outstanding. This inaccurate reporting is negatively impacting my credit score and has cost a home refi loan. I am looking into seeking punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: NJ

Complaint narrative:
Equifax is reporting 2 h

ard inquiries on my credit report that I did not authorize. This is in direct violation to 15 U.S.C 1681b ( a ) ( 2 ), as I did not provide written instruction or permission to furnish them on my consumer credit report.

This is also in direct violation to 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) - Information Regarding Inquiries- as I did not initiate this credit transaction.

I called twice and spoke with 4 people ( 2 supervisors ) to get the unauthorized inquiries removed from my credit report, and I was told they will not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2024-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting that Experian block fraudulent information currently appearing on my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is due to identity theft, and I expect the inaccurate information to be blocked within 4 business days of receiving this complaint.

The following accounts on my Experian credit report were fraudulently opened without my authorization 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 XXXXXX/XX/XXXX These fraudulent accounts have led to collections appearing on my credit report, which I did not authorize. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand that these items be removed from my report immediately and that all related collection activities be halted. 

I have attached a list of these fraudulent accounts, as well as an FTC Identity Theft Affidavit and Criminal Complaint ( XXXX ) ( XXXX ) as proof of the 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 2024-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened and funded a Chase account at the direciton of a Chase Private Client Banker. He submitted the request successfully and tracked it through the required time ( 90 days ) until it was scheduled to pay out. At the payout time, he informed me that he made a mistake, and that my account does not qualify. I want Chase to honor what this Banker promised me and award the $ XXXX bonus asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-23 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:
PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX # XXXX XXXX / XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank 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 2024-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Started an installment loan with the Bank of the West out of Nebraska. Im not sure if another company bought them out or they joined. I started an auto payment with Bank of the west. When I stated the loan back in XXXX. The payment was XXXX I set up the auto pay for them to take XXXX out of my account every month. And there would not be any issues. Like I said before they were bought out or joined with BMO Bank N A out of XXXX XXXX IL. I assumed everything was all good. As I received statements starting in XXXX of XXXX and each statement said nothing was do. So I assumed everything was all good and I have or keep all my statement 's. On or about the week after the XXXX of XX/XX/XXXX I got a call that was left on my phone from BMO that they needed to talk to me about an important matter. So I returned the call, and I was told that my account was in collections. And I asked them why and they said I had not made a payment for XXXX of XXXX and that it was over due. And I asked them repeatedly to explain how this was, if I had an auto may from the beginning of the loan and all they could tell me was no I did not. After much frostation I asked to speak to a manager/ supervisor and I was told that there was no supervisor available that they would have one call me. Never got a call. Then on XXXX XX/XX/XXXX I got a letter from BMO stating that my account was delinquent and the past due date was XXXX XXXX XXXX. I want on line and made payment and again set up an auto pay. But on the mean time they have messed up my credit. And I would like it fixed.

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