vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reaching out to challenge the presence of the bankruptcy entry on my credit report. The discrepancies between the filed and reported dates, along with the closing dates, are troubling. Adding to the concern is the fact that I have a court letter explicitly stating that this bankruptcy should not be reported to you. The involvement of an unauthorized third party further compounds the absurdity of this situation.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX are in violation of the following : 15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
XXXX XXXX XXXX XXXX XXXX has continued to report late payments on the consumers credit file. Despite its notice the debt amount reflects {$0.00}. 


XXXX XXXX XXXX XXXXNCB Management Services are in violation of the following : 15 1692c Title 41. Communication in connection with debt collection Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency. 

Consumer never consented or gave directly or indirectly permission for NCB Management Services Incorporated or XXXX XXXX XXXX to communicate with the consumer in connection with this debt. 

15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX XXXXNCB Management Services Incorporated has continued to report late payments on the consumers credit file. NCB Management Services Incorporated, despite its notice to notify the Credit Bureaus to remove the item has continued to communicate the debt with the consumer. 



XXXX is in violation of the following : 15 U.S.C. 1681I failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information ... .. [ continued ] please see attachment " Request for Deletion 3rd Attempt '' 15 1692k Title 41. Civil liability These violations have been reported to the CFPB and this notice has been provided to all parties. The CFPB, by law, is responsible for protecting consumers from unfair, deceptive, or abusive practices and to take action against companies that break the law. 

XXXX, XX/XX/year>. The complaint filed on XX/XX/year>, with a resolution date of XX/XX/year> is still pending ; despite XXXX update to the credit file on XX/XX/year>. Restitution for the violations have not been received or communicated to the consumer through the CFPB or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX are in violation of the following : 15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
XXXX XXXX XXXX XXXX XXXX has continued to report late payments on the consumers credit file. Despite its notice the debt amount reflects {$0.00}. 


XXXX XXXX XXXX XXXX XXXX XXXX are in violation of the following : 15 1692c Title 41. Communication in connection with debt collection Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency. 

Consumer never consented or gave directly or indirectly permission for XXXX XXXX XXXX XXXX or XXXX XXXX XXXX to communicate with the consumer in connection with this debt. 

15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX to report late payments on the consumers credit file. XXXX XXXX XXXX XXXX, despite its notice to notify the Credit Bureaus to remove the item has continued to communicate the debt with the consumer. 



Experian is in violation of the following : 15 U.S.C. 1681I failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information ... .. [ continued ] please see attachment " Request for Deletion 3rd Attempt '' 15 1692k Title 41. Civil liability These violations have been reported to the CFPB and this notice has been provided to all parties. The CFPB, by law, is responsible for protecting consumers from unfair, deceptive, or abusive practices and to take action against companies that break the law. 

Today, XX/XX/year>. The complaint filed on XX/XX/year>, with a resolution date of XX/XX/year> is still pending ; despite Experians update to the credit file on XX/XX/year>. Restitution for the violations have not been received or communicated to the consumer through the CFPB or 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 non-monetary relief
Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. | have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/23 ]. 
Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
I assumed my own mortgage that I initially shared with my ex. 
After the assumption completed they deleted or removed access to my online account to manage the mortgage. They offered no specific explanation as to the problem and no XXXX on the fix. 
I have heard from others who experienced the same problem 10+ months ago and are still locked out. 

To be clear, they confirmed anyone who assumes a mortgage with them can no longer have online access to their account.

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 2024-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Associated Credit Services, Inc.
State: TX

Complaint narrative:
I receieved a phone call from a gentlemen named " XXXX '' from Associate Credit Services. Phone number XXXX. 

He told me I was delinquent on a debt that I " bounced '' a check with XXXX XXXX. Which is impossible because I don't write checks and dont even have a check book. 
He claimed I had a negative balance ( $ 400ish ) with XXXX XXXX but because they were acquired by XXXX XXXX, Which I don't have any record of at all. I've been trying to access my account since they were acquired and can't even log into my account. I have been unable to gain access to anyone at XXXX that has been able to help me. On their books it appears I don't even owe anything and my accounts been closed. I've attached my end of year tax records they sent me. If I owed them money, why isn't it in there? 

I told the debt collector XXXX, I was not comfortable talking to him any further. I confirmed I am XXXX XXXX and not to contact me, my family, friends or coworkers. I will continue to try to handle this matter with XXXX XXXX. 

He got very threatening, telling me I don't have the money to pay it and I've been trying to get off the phone and avoid the situation. When in fact, I took the call, tried to explain my perspective and all he wanted to do was collect his money today so he gets a cut. 

He was rude, condescending and didn't listen to the facts or details of the case. 
I'm happy to speak to XXXX XXXX but until I do, I'm not paying a random thrid party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
The loan with XXXX XXXX  entered into a covid-19 forbearance. At the end of the forbearance, the payments were made by the state of Texas to keep the account current and up-to-date. XXXX spent over 12 months denying my request to move from forbearance to repayment plans stating that the entire balance of the forbearance must be paid in full to make any payment whatsoever. All or nothing. In XX/XX/2023 the account entered into an agreement to begin repayments in the form of three trial payments to begin XXXX through XXXX, each payment was made on time and successfully completed as agreed, however on the final month of the payment plan, XX/XX/XXXX XXXX XXXX in bad faith and in violation of the FCRA falsely reported the account as 120 days late. The account was fully listed as current, and went from " no data '' to " 120 days late ''. This massive hit on my credit has lowered my score over XXXX points, and means that I am unable to refinance, obtain better employment, it has jeopardized my XXXX XXXX XXXX, and it's based under a false pretense. All payments were made on time, as agreed, as dictacted by our contract, but XXXX through sheer malice and ill-intent falsely reported it as late to deny me my rights under the FCRA. Efforts to remedy this with XXXX have been met with extreme hostility and a denial of wrongdoing as well as a false representation of the payment history. The representation to the credit bureaus says that I made XXXX payments on time, while XXXX was pocketing my money. They received money, and while recieving it, reported negative blatantly lying information. This is criminal conduct that I attribute personal malice towards and should be met with reprimand by CFPB.

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 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The loan with XXXX XXXX  entered into a covid-19 forbearance. At the end of the forbearance, the payments were made by the state of Texas to keep the account current and up-to-date. XXXX spent over 12 months denying my request to move from forbearance to repayment plans stating that the entire balance of the forbearance must be paid in full to make any payment whatsoever. All or nothing. In XX/XX/year> the account entered into an agreement to begin repayments in the form of three trial payments to begin XXXX through XXXX, each payment was made on time and successfully completed as agreed, however on the final month of the payment plan, XX/XX/scrub>XXXX XXXX XXXX   in bad faith and in violation of the FCRA falsely reported the account as 120 days late. The account was fully listed as current, and went from " no data '' to " 120 days late ''. This massive hit on my credit has lowered my score over XXXX points, and means that I am unable to refinance, obtain better employment, it has jeopardized my XXXX XXXX XXXX, and it's based under a false pretense. All payments were made on time, as agreed, as dictacted by our contract, but XXXX through sheer malice and ill-intent falsely reported it as late to deny me my rights under the FCRA. Efforts to remedy this with XXXX have been met with extreme hostility and a denial of wrongdoing as well as a false representation of the payment history. The representation to the credit bureaus says that I made XXXX payments on time, while XXXX was pocketing my money. They received money, and while recieving it, reported negative blatantly lying information. This is criminal conduct that I attribute personal malice towards and should be met with reprimand by CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 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: TX

Complaint narrative:
The loan with XXXXXXXX XXXX entered into a covid-19 forbearance. At the end of the forbearance, the payments were made by the state of Texas to keep the account current and up-to-date. XXXX spent over 12 months denying my request to move from forbearance to repayment plans stating that the entire balance of the forbearance must be paid in full to make any payment whatsoever. All or nothing. In XX/XX/year> the account entered into an agreement to begin repayments in the form of XXXX trial payments to begin XXXX through XXXX, each payment was made on time and successfully completed as agreed, however on the final month of the payment plan, XX/XX/scrub>XXXX XXXX XXXX  in bad faith and in violation of the FCRA falsely reported the account as 120 days late. The account was fully listed as current, and went from " no data '' to " 120 days late ''. This massive hit on my credit has lowered my score over XXXX points, and means that I am unable to refinance, obtain better employment, it has jeopardized my XXXX XXXX XXXX, and it's based under a false pretense. All payments were made on time, as agreed, as dictacted by our contract, but XXXX through sheer malice and ill-intent falsely reported it as late to deny me my rights under the FCRA. Efforts to remedy this with XXXX have been met with extreme hostility and a denial of wrongdoing as well as a false representation of the payment history. The representation to the credit bureaus says that I made XXXX payments on time, while XXXX was pocketing my money. They received money, and while recieving it, reported negative blatantly lying information. This is criminal conduct that I attribute personal malice towards and should be met with reprimand by CFPB.

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 2024-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Upon reviewing my consumer report, I notice several student accounts that are in possession of AIDvantage. There are at least six months of late pays which is completely inaccurate. 

I have never been late and I was unaware the Aidvantage was now the holder of the loan. 

They are reporting late pays and I was never late. 
I wish to verify the validity of this loan. I revoke all power of attorney over me and anyone acting as an agent on my behalf is fired. 

This company / agency does not have first hand knowledge to this matter. I believe there is a material truth in lending violation and I am willing to file a motion to produce documents in federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I applied for an SBA loan with BBT ( TRUIST ) bank in which I have been a customer for over 25 years. 
The application started in XX/XX/2023 and Credit report was pulled. I was called back in May to fill out additional paperwork. 
XXXX I was told I would need XXXX down towards the loan which is 10 % on an SBA loan and I provided that. A couple days later I was told that I needed XXXX and I provided that as well. 
In XXXX we had a discussion during a phone call, they stated they wanted to see what I look like, so they scheduled a XXXX meeting. XXXX XXXX, XXXX XXXX and myself were the only attendees. We introduced ourselves chatting about family and also discussed the project. Things seemed to be going well. 
XXXX I received an email from XXXX XXXX stating that he is just now getting to my loan and he wanted me to resubmit my application. I was told to sign everything, but don't date them, which I thought was strange. He gave me 7 credit items that needed explanations. I was unaware on any items existing on my business report. All items were explained and he was ok with it. 
I asked for an update, XXXX XXXX sent me an email in XXXX stating he was leaving Truist and my loan package was sent to XXXX XXXX and XXXX XXXX. 
Now I started my loan application in XXXX and I am still in limbo in XXXX and I have lost a lot of clients due to the negligence from Truist. I really felt mislead and that this was going down the wrong path. 
XXXX I contacted an SBA representative ( XXXX XXXX ). I told him about my situation and he tried to look me up in their system and I didnt exist. This was very shocking to me. I have wasted a whole year with this loan application and followed the correct steps and my Loan application didnt exist. XXXX scheduled a meeting with the bank representatives. I was included in a phone meeting and XXXX was the mediator. They stated I had 2 things on my credit report that needed to be removed. 
One item was a quick payoff and incorrectly reported late payment. I should have known about these items in XXXX or XXXX which could have helped. 
XXXX we had another meeting where they denied my application. I was told to seek another lender. TRUIST has done 5 HARD Credit PULLS to XXXX which has lowered my score. I am very hurt from all of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Restating my concern for record that CDR dba Genesis did in fact contact me knowing that a cease and desist was noted on my account. Genesis claims it to be a courtesy call however, citing FDCPA : 6. Ignoring cease and desist requests. If you send a letter to a debt collector asking them to stop contacting you, they are required to do so, except to inform you that they will take a specific action, such as filing a lawsuit. Ignoring your request is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Wells Fargo Executives, I have been trying to contact you for several months regarding an issue with my account. Despite my removal requests, you have advised me to contact you repeatedly, but you have failed to follow up. I have reached out to you multiple times via phone and letters, yet you have done nothing to resolve the issue. 

I have been a victim of fraud, identity theft, and three data breaches to date ( including the XXXX and XXXX data breaches ). However, Wells Fargo Card Services still appears on my credit file, and this account and balance do not belong to me. I have provided all the necessary information, which must be removed immediately to avoid further violations. 

I will file reports and complaints until this issue is resolved. 

Sincerely, 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 non-monetary relief