vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-10-20 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: MD

Complaint narrative:
I have 2 or 3 XXXX XXXX  XXXX hard inquiries that I did not instigate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/2023, I sent thru first class mail a Notice to XXXX XXXX, CFO of Block Inc, informing the CFO that by law all debt attached to my Cash App account is to be discharged and I am entitled to an unlimited balance in my Cash App account. A copy of the Notice is attached to this complaint. The CFO had an opportunity to respond to the Notice. The CFO willfully failed and refused to reply to the Notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I've attempted to contact Aidvantage multiple times, but have not received a single response to my messages through their website and haven't even had a customer support agent answer my phone calls after being on hold for more than an hour. Their website lacks so much functionality that I can't even see the outgoing messages I've sent to them. It should be illegal for Aidvantage to understaff their customer support team by this much as to make it seemingly impossible to get a response to simple questions and requests. It only takes a quick XXXX search to find thousands of similar complaints posted online. There are so many reports of people that have contacted Aidvantage and received wrong information, including being put in the incorrect income driven repayment plans and having payments applied incorrectly. I have zero faith in Aidvantage to service my XXXX XXXX accurately. I don't know why Aidvantage was allowed to take over XXXX 's portfolio of student loans, because I never had any of these issues with XXXX. Aidvantage needs to be legally required to answer their customers questions quickly and accurately, and if they aren't able to do that they shouldn't be able to service these loans and the loans should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I had three accounts put onto consolidation, and I have paid off two accounts and my credit score has not increased at all. 
I contacted XXXX and XXXX and they told me they can take off that red macs on my credit report, but If I already paid off those credit why is my credit report still the same. 
I really feel like a declare on bankruptcy but I didn't and my credit report is going to be affected for years when I did paid off my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please remove on my Credit Report To whom it may concern I am writing to express my deep concern and dissatisfaction regarding the conduct of a collection agency that has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and has negatively impacted my credit history. 
15 U.S. Code 1692c - Communication in connection with debt collection I dispute the illegal actions taken by XXXX XXXX  and the inaccuracies they have reported on my credit report. The specific concerns I have are as follows : Violation of FDCPA : XXXX XXXX has engaged in actions that may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 1692c ( a ) ( 1 ). They have contacted my employer regarding my debt without my consent, a direct violation of this federal law. This violation is supported by relevant case law. For instance, the case of XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX. : XXXX ] highlighted the importance of adhering to the FDCPA and respecting consumer rights. In this case, it was ruled that debt collectors must not contact a consumer 's employer without consent. This serves as an example of the legal precedence set in cases where credit reporting inaccuracies led to negative consequences for the consumer. This case reinforces the importance of accurate reporting by debt collectors and credit bureaus.

I have taken appropriate steps by disputing this with the collection agency directly. 
However, I am writing to you, as a credit reporting agency, to request your assistance in investigating this matter and ensuring the accuracy and fairness of my credit report. 
I kindly request that you : Conduct an independent investigation into the accuracy of the information provided by XXXX XXXX I demand the following accounts be verified or removed immediately. 

XXXX XXXX Account XXXX. XXXX 15 U.S. Code 1692c - Communication in connection with debt collection

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 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: UNITED MORTGAGE CORP
State: NY

Complaint narrative:
My partner and I opted for United Mortgage as our financial institution in order to secure a loan for the acquisition of a new residence. 

Due to unforseen events, we came to the realization that we would not be unable to financially sustain the ownership of this house. 

On XX/XX/23, me and my partner received an initial disclosure indicating a cash to be paid at the time of closing amounting to {$130000.00}, along with an estimated monthly mortgage of {$5700.00}. However, on the day of the closing, we were blindsided with an adjusted final disclosure, which stated that our new cash to be paid at the time of closing would increase to {$140000.00}, and our new monthly mortgage would increase to {$7000.00}. The significant disparity between the amounts disclosed on XX/XX/23 and XX/XX/23 led my friend and me to conclude that we simply did not have the means to afford this property with the additional expenses involved. 

We think that the property taxes should have been assessed in a way that more precisely represented the expenses and the ability to afford this house from the start of the agreement. The sudden alterations not only caused difficulties for my friend and me but also placed us in a situation where we feel compelled to complete a deal that we can not afford, or else abandon our sales contract and forfeit our {$10000.00} deposit. If these numbers had been revealed to my friend and me in a more prompt fashion, we would not have contemplated purchasing this house. 

According to the revised figures provided to us regarding the intended date of closure, we do not have the financial means to pay for the mortgage of this house. As a result, it is probable that we will be unable to make our initial mortgage payment and subsequent payments in the future. 

My friend and I request you to carefully examine the details provided as we suspect that the lender provided inaccurate and deceptive information with the intention of enticing us into this agreement. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: DISCOVER BANK
State: NV

Complaint narrative:
was meant to receive a international wire transfer from a party outside the XXXX, they sent the transfer on their end all looks good but i have not received anything. banking with discover so international transfers go through XXXX XXXX. discover support was not able to help tracking the funds when i supplied them with a XXXX code. went to XXXX support site and submitted a ticket have not heard back. I am led to believe that the wire was correctly sent XXXX got it and somehow it has not made it to Discover bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
When reconciling my account for XXXX I found a charge for a check I have no record of. 

After 2 weeks ( how long they required ) I have not heard back.

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 monetary relief
Consumer complaint received 2023-10-20 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:
I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXX XXXX XXXXXXXX XXXX. This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the COVID-19 pandemic. According to the CARES Act, such deferred payments should not be reported as late. Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Transunion, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over seven months ago. As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Transunion for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.

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 2023-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am in the XXXX and was a tenant at XXXX XXXX apartments in XXXX, FL from XXXX. XXXX of XXXX I was notified of a short notice XXXX XXXX in support of XXXX XXXX in the XXXX XXXX. I provided a letter from my XXXX XXXXXXXX to the property management company informing them that I was going XXXX and needed to break my lease. The move out date I selected was XXXX. I moved out and cleared my residence with no issues on that day. Two weeks ago I received a debt collection on my credit report for just about $ XXXX. I contacted the management company via telephone and informed them that they needed to fix it immediately. The next day the debt collection reduced from $ XXXX down to roughly {$580.00}. I have since called the several numbers at the property management parent company at least 15 times and HAVE NOT been able to reach an actual person to resolve this issue. The price breakdown that I received from the debt collector showed that the {$580.00} is for rent from XXXX through XXXX. This is CLEARLY after i moved out. On XXXX XXXX I sent a copy of the XXXX XXXX that covers rent for military members to the debt collector. I have not received a reply. Last week i also sent an email request to the debt collector asking for a copy of the lease agreement. I have not received a reply to that email either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. XXXX Account # XXXX. XXXX Account # XXXX, and XXXX Account # XXXX has violated my rights. 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: MS

Complaint narrative:
XXXX XXXX XXXX  XXXX Not my account it was opened fraudulent under my name never received card shouldn't be on my credit report call company to delete it an sent in proof but it'd still on my credit file

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 2023-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I never signed anything with this company. They don't have my signature and I don't know who they are.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TN

Complaint narrative:
XXXX {$95.00} XXXX {$180.00} XXXX {$80.00} XXXX {$170.00} XXXX {$20.00}. 

These are payments I made on my student loans but then I received an email from aidvantage stating each payment has been reverse. Nothing has changed on my end. Been making payments successfully up to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXX XXXX XXXX XXXX. This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the XXXX pandemic. According to the XXXX XXXX, such deferred payments should not be reported as late. 

Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Experian, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. 

I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over XXXX months ago. 

As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Experian for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. 

I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.

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 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/XXXX I placed an order with XXXX XXXX for XXXX. The order was for two beds, two mattresses and a night stand. XXXX XXXX issued an authorization for the full amount to affirm ( but not the actual invoice ). XXXX XXXX has issued a refund and cancellation but affirm is still trying to collect funds from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
i requested a validation of debt and has not honored it but they are still reporting late payments and i received a 1099c copy b and they have not updated my account but still reporting late payments. they have my account closed and and still sending reports and the agencies are still updating the account as negative. Again, this is a consumer transaction that should not be reported without my consent.and they are reporting that it has been verified without sending me the report that they used to " verify ''

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 2023-10-20 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: ROAD Auto Finance, LLC
State: GA

Complaint narrative:
I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. 

Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. 

These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].

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 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have never signed anything with Porfolio Recovery Associates, LLC. They haven't showed me anything. I am being harassed and people have been knocking on my door said they have legal court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Iam not reliable for this debt with GENESIS CREDIT MANAGEMENT company I do not have a CONTRACT with XXXX XXXX XXXX company.They did not provide me with original CONTRACT as I requested I demand this correction on my credit report this account be removed from my credit report from XXXX and XXXX accounts immediately

Company response to consumer: Closed with explanation