vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 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: PA

Complaint narrative:
XXXX Account # XXXX and XXXX collection ( anytime Fitness ) Account # XXXX has violated my rights. IN accordance with FCRA 15USC 1681c-2- Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later that 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the consumer ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer and ( 4 ) a statement by the consumer by the consumer that the information is not information relating to any transaction by the consumer.

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 2023-10-13 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: PR

Complaint narrative:
Have been trying to speak with servicer ( Aidvantage ) for days at their phone number ( XXXX ) XXXX. Issue is that no matter the time of calling, no one answer the calls. You can see in social media websites other affected people with the same issue. Reason of calling there servicer is to apply the SAVE IDR plan made available by de Biden administration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ) by failing to respond within the mandated 30-day period. 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated to investigate these disputes within 30 days and provide a response. By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of the law, undermining my rights as a consumer. 

I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system. The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. 

I urge you to take immediate action to rectify this situation. I demand that the credit bureaus promptly investigate my dispute, update every item on my credit report to accurately reflect the status as " paid as agreed, never late, '' and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld. 

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: GA

Complaint narrative:
I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ) by failing to respond within the mandated 30-day period. 

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated to investigate these disputes within 30 days and provide a response. By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of the law, undermining my rights as a consumer. 

I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system. The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. 

I urge you to take immediate action to rectify this situation. I demand that the credit bureaus promptly investigate my dispute, update every item on my credit report to accurately reflect the status as " paid as agreed, never late, '' and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld. 

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the law.

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 2023-10-13 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: MN

Complaint narrative:
I applied for teacher loan forgiveness. I believe it should have been granted. Then I applied for a forbearance. It was accepted. They then said that I applied for a IDR plan. I did not apply for it, I did a payment calculator. They then changed my plan to an IDR plan. I called and told them that I only wanted the forbearrance for one year and then I could make regular payments. They told me the issue was resolved. XX/XX/XXXX I get an email telling me that I need to resume payments starting in 5 days for the full XXXX dollars a month. I have tried to email and call about the issue and no one is getting back to me. Below is a list of the documentation XXXX Change in Loan Terms Change in Repayment Terms XXXX Your monthly statement is ready Monthly Statement XXXX An in-school deferment has been applied to your account Deferment Request Approved XXXX Change in Loan Terms Change in Repayment Terms XXXX Your IDR plan has been approvedDetails on your newly approved IDR plan XXXX Change in Loan Terms Change in Repayment Terms XXXX Your forbearance has been approved Forbearance Request Approved XXXX Here 's your forbearance form Forbearance Request XXXX TLF Application Denied Teacher Loan Forgiveness Application Denied ( should have been accepted ) XXXX TLF Application DeniedTLF Application Denied - Corrections Needed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Between XX/XX/XXXX and XXXX of XXXX I had XXXX accounts open with my primary bank at Wells Fargo. XXXX checking and a savings account. 

On several dozen occasions I had reached out to Wells Fargo because transactions at different times wouldnt go through and when Id check my account theyd be in the negative. 

Each time I would call, I was told that even though I had the funds to cover it, previously added overdraft fees were pending to then take the money in my account, leaving me without access to my funds. 

Between XX/XX/XXXX and XXXX of XXXX when I ultimately had my account closed because I refused to pay anymore fees, I had paid and was charged about {$430.00} in fees alone, despite making deposits to cover those transactions. 

Ive never gotten a response from Wells Fargo, I was always taken through several different associates giving me different explanations as to why. I combed through every transaction adding and subtracting and came up with {$430.00} and all they could say is that the overdraft fees are not waived even after a deposit is made in a certain timeframe.

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 2023-10-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO ME, THEY ARE LISTED BELOW : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. CAN YOU PLEASE REMOVE THEM OFF MY CREDIT REPORT. 




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

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 non-monetary relief
Consumer complaint received 2023-10-13 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEMENT ACCOUNT # XXXX XXXX THIS ACCOUNT WAS NEVER AUTHORIZED BY ME TO REPORT ON MY CREDIT OR TO BUY MY PERSONAL INFORMATION. ALSO NO RESPONSE FROM COMPANY BY FCRA LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I was charged over {$4700.00} for a truck motor as a down payment that I did not receive. XXXX XXXX XXXX XXXX stole my money and Chase Bank will do nothing about the fraudulent charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 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: SC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My vehicle was repossessed in XXXX of 2022. I payed the company in full to get my vehicle back. I am currently speaking with a representative who is stating that I have fees unpaid that are from the repossession. A repossession in which I was present for. One in which prevented me from getting to work one in which by law if the person is present there should be no contact or interaction with the towing company and the loan holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have requested to update my personal address with copy of my drivers license. Ive requested deletion of all old addresses because i can not receive mail, i have no correspondence, nor do I have any access to these old addresses. I would like to be treated fairly and exercise my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: CA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: Fidelity National Information Services, Inc. (FNIS)
State: RI

Complaint narrative:
i report fraud because person use my social security but used other last name danger my credit report please remover all inquires by other out my authorized check 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 explanation
Consumer complaint received 2023-10-13 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: CA

Complaint narrative:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
SOUTHWEST CREDIT SYSTEM has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
We had been looking for a combine, we were checking out several auction sites and dealers online hoping to get the best combine for a good price. On XX/XX/XXXX we made contact with XXXX XXXX XXXX, from XXXX XXXX WI. about purchasing a XXXX XXXX XXXX XXXX Combine with a XXXX XXXX XXXX header with a XXXX ' length header trailer. We requested a video, at XXXX on XX/XX/XXXX. We had researched this company and were pretty confident that they were legit. We also expressed concern to our lender and they checked them out also and felt that they were reputable. By XXXX on XX/XX/XXXX we had decided to purchase the combine and started the process through email. We received the Sales Document via XXXX at XXXX and by XXXX we had received an invoice with a reference number and the Bank Wire information. We forwarded the information to our lending institution and they began the process of wiring {$22000.00} to them, which was sent on XX/XX/XXXX. we wired the down payment of {$5600.00} on the same date. On XX/XX/XXXX at XXXX we received an Email from XXXX XXXX XXXX with the shipping information and the delivery date of the combine. They were using their own trucking company. They also requested that we insure the combine which we did. The delivery date arrived, we waited to hear from the trucker. On XX/XX/XXXX we tried calling them at XXXX, XXXX, & XXXX, we finally spoke with whom we assumed was XXXX XXXX about when the combine would be delivered. He never returned our call. We called several times on XX/XX/XXXX & XX/XX/XXXX, our calls were blocked. On XX/XX/XXXX I placed a call to the Citibank Branch that their account was at. I spoke with XXXX different gentleman about my concern that my wired money was gone. Because I had the account number they were able to pull the account up and saw both of my deposit transactions and that the money was still there. He advised me to have my lending institutions immediately file a " Recall of Wire request '' Which I did. Within an hour both banks had filed it. They both also assured me that Citibank would not let me lose my money, that I was protected. That within 90 days my money would be returned. I have since tried to call them again, I can not get through to the branch. I did speak with a corporate lady she basically told me " too bad, so sad '' not their problem. She also gave me Citibank 's wire operation unit phone number, I could not reach anyone.

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 2023-10-13 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: MA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE AN ACCOUNT THAT DO NOT BELONG TO ME, IT IS LISTED BELOW WITH DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX XXXX XXXX I ALSO NOTICE SEVERAL INQUIRES THAT DO NOT BELONG TO THEY ARE LISTED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THEM. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: GA

Complaint narrative:
I have reached out requesting proper information per FDCPA, but the creditor has not provided this information and has placed inaccurate and unverified information on my credit report illegally. I am looking to have this information removed ASAP. 


After several failed attempts for validation and verification, I will be looking to escalate this issue to the CFPB and the XXXX  in addition to the FTC for fraud and identity theft and pursue damages to my person under the FDCPA if this derogatory inaccurate information is not removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: NY

Complaint narrative:
XXXX XXXX XXXX ACCOUNT # XXXX EXPERIAN THIS ACCOUNT WAS NEVER AUTHORIZED BY ME TO REPORT ON MY CREDIT OR TO BUY MY PERSONAL INFORMATION. ALSO NO RESPONSE FROM COMPANY BY FCRA LAWS.

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