vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 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: OH

Complaint narrative:
I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per XXXX U.S.C XXXX Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to XXXX XXXX XXXX XXXX ( XXXX XXXX ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - XXXX reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
PLEASE DELETE THE FOLLOWING ACCOUNTS : 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 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 2024-11-09 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: CA

Complaint narrative:
In XXXX I submitted a complaint to CFPB regarding the way AidVantage, my student loan servicer, was managing my loans. In short, although loans were in forbearance due to the XXXX XXXX, I was trying to aggressively pay down my loans and AidVantage was not allowing me to do so because they continued to auto-allocate payments, something that they did not need to be doing due to the forbearance and which was causing me to be unable to make the payments I wanted to make. The CFPB complaint number was XXXX and the complaint was ultimately resolved in my favor. 

I am now having that exact same problem - my loans were forced into forbearance due to issues in the federal court system pertaining to SAVE repayment plans, which is what I have. I am trying to again aggressively pay down my loans but AidVantage will not allow me to do so because they keep auto-allocating payment amounts even though they shouldn't be doing this since loans are in forbearance and therefore no payments are technically due. 

I have attempted to resolve this issue with AidVantage and even spent an hour on the phone with them recently to try to get clarity regarding this issue and resolve it but the information they provided has been confusing. The account summary for my loans on the AidVantage website shows I have a payment due on XXXX XXXX. An email I received from them on XXXX XXXX, however, says my next payment is due next year in XXXX and that my payment at that time will increase to over {$3000.00} a month. My conversations with AidVantage customer service about this have been confusing and the information they provided to me over the phone did not match either my account summary or the email I had received from them. 

I am alarmed by the situation with AidVantage and by the fact that there is so much confusion on their end regarding my loan, especially given the large amount of money they are ostensibly managing. Their practices feel fraudulent at this point, given that these issues actively prevent me from paying down the loan, which I know means they will make less money off of me in the end. I even filed a complaint against them with XXXX a few months ago and asked to change loan servicers but it is impossible to get a coherent response from XXXX. 

I really need help dealing with this situation. I owe a lot of money in student loans and have been consistently on time with loan payments. I have also made significant over-payments to pay down my loan. In the end, however, whatever is going on internally at AidVantage presents a significant barrier to making progress which seems unjust. Any help you could provide would be very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: MA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lendmark Financial Services
State: GA

Complaint narrative:
GREETINGS, I'm responding back to the letter I received on XXXX. You failed to send my documents in 30 days. I requested the 1099C form, so I can properly review this account to see if it's mines. By the provisions of the 15 USC section 1681i of the Fair Credit Reporting Act, these items NEED to be investigated. Please again provide me PROOF of the 1 ) Security Interest, 2 ) Full Disclosure and 3 ) Purchase agreement?

This is very serious matter your INACCURATELY and Misleadingly Reported on my Credit report, it's damaged my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I disputed these XXXX accounts with Lockhart Morris and Montgomery by requesting a validation of the debts.The accounts XXXX, XXXX, : The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX I requested the collection agency for a original assignment of contract and nothing was provided as proof of ownership for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: FL

Complaint narrative:
I discovered an unauthorized and inaccurate collection account on my credit report from TransUnion associated with XXXX XXXX XXXX, account number XXXX. This account does not belong to me and I am not aware of its source. I formally disputed this account with the credit bureau, requesting verification and deletion based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ).

Despite my formal dispute and request for a thorough investigation, [ Name of Credit Bureau ] has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus must conduct a reasonable inquiry and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit rating and affecting my financial situation. I believe the credit bureau 's failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.

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 2024-11-09 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: MA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-09 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: MA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2024-11-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2024-11-09 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I made a purchase with XXXX XXXX on XX/XX/XXXX and used Affirm for a credit loan and then cancelled the product on XX/XX/XXXX. The total I paid was {$180.00}. Affirm still won't refund my money. They are holding it even though I sent them the XXXX XXXX cancellation letter. It's already XX/XX/XXXX and there is no result for my refund. 

Attn : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: CA

Complaint narrative:
Complaint Summary : " I am filing this complaint against XXXX, XXXX XXXX XXXX, and XXXX XXXX due to ongoing issues with inaccurate, unverified information on my credit report, despite multiple efforts to resolve these matters. Specifically, I am challenging TransUnions failure to act according to federal regulations concerning identity theft and fraudulent debt reporting. 

As mandated under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow strict guidelines regarding identity theft claims. According to the FCRA 's five-day rule, once a consumer submits an identity theft report ( such as an FTC affidavit ), the credit reporting agency must remove fraudulent accounts from the consumers report within XXXX business days if the items are disputed. I previously provided XXXX with an FTC affidavit detailing identity theft issues related to debts and accounts that do not belong to me, which were added to my report without my authorization. Although XXXX and Equifax promptly removed these fraudulent items following receipt of the FTC affidavit, XXXX has failed to do so, leaving these damaging records on my credit report unjustly. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) imposes obligations on debt collectors to report only accurate information and prohibits deceptive or abusive practices. In this case, XXXX XXXX XXXX and XXXX XXXX have reported debts linked to an address I have never lived at, claiming utility use in my name at an abandoned property. These agencies refusal to correct false information after being notified constitutes a deceptive practice under FDCPA Sections 807 and 808. 

Further compounding this issue is a disputed loan still reported by Equifax despite active litigation over the loans legitimacy. By continuing to report this loan in the middle of an unresolved legal dispute, Equifax is jeopardizing my credit report 's accuracy and violating the FCRAs accuracy provisions. 

Despite my prior efforts to address these issues, XXXX has disregarded its legal obligations by not honoring my identity theft affidavit and not removing unverified debts. I am requesting that the CFPB investigate these ongoing violations by XXXX, XXXX XXXX XXXX, XXXX XXXX, and Equifax. I also request that the CFPB enforce corrective actions compelling these entities to immediately remove any unverifiable or disputed debts in compliance with FCRA and FDCPA standards. Additionally, I seek assurances that my consumer rights under these laws will be fully protected from further violations and extortionate practices. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I transferred some money from my cashapp to my bank account. The amount was {$700.00} on XX/XX/XXXX. I had my cash app set to be sent a specific bank account but for whatever reason it got sent to a old XXXX XXXX account I had that was closed because I had an overdue balance and stopped using it. I called chase customer service the following day to see how I could get the money back. The representative told me that since my account was closed the funds should arrive back in my cashapp within the next couple of days, and they also said that if it doesnt come back to my cashapp account that it would be sent through a check. The address I had on file was old so I gave them my current address so if it was sent through mail it would go to the right place. Days go by and the money never comes back to my account, so I call chase bank again to see whats going on. The representative I speak to this time tells me the money was sent back through a check but it was sent to my old address even though I gave them my new one. They say my best option is to go to a bank branch and request a form for them to resend the money back to the right address. When I go to the XXXX XXXX  branch I speak with a banker there and she tells me that the funds were never deposited into my account because the account was closed and the funds were sent back to cash app, she also gave me proof of this on paper and she said my best option would be to email cash app support and work it out with them, so thats what I did. I told them the situation in my email and sent them the proof that the banker gave me that the money wasnt deposited in the account, I asked to file a case so they can investigate the situation and see what the best option was to get my money back. When they emailed me back they said that chase bank they said the bank denied their attempts to recover the funds and I needed to contact their ACH department moving forward. At this point I dont know what to do because Im getting 2 different answers from these companies and neither one is telling me they have the money, but I know it didnt just disappear. So I go back to the XXXX XXXX  XXXX XXXX more time and I call cash app support while Im there with the banker there as well to assist me if I need help. They tell me the same thing and we cant come to a resolution even with the banker there and I ask to speak with a supervisor, they tell me one will email me soon I ask if I can speak to one in person and they say no and hang up, so I leave. Im at my wits end here at this point, I dont know what else to do and Im frustrated about the whole situation Im writing this report hoping that there can be some resolution from this because I feel cheated and like Im being played with over a matter that should be very simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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