vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
This company is reporting on my credit report that I owe i have never been to this place visited or stayed there I advised the debt collector they sent it to I have no idea who they are or the place only reason I know the place is because rent debt automated collectors advised me and that they have accused me of staying there the woman I spoke with was rude and told me it will stay on my credit because I asked her to email me the fraud packet due to not having a mailing address and hung up on me I have a police report that show I have been a victim of identity theft this is stressful. It shouldnt even be to the point I have to have anything filled out because its not my debt also I want proof that I was there and stayed there as well as any additional information. They say this debt was from XXXX I found out I was a victim of identity theft soon after. Please fix this issue. I have police report and ftc report and I have already reported this to you. I went to the apartment complex they say I dont owe and gave me a ledger of XXXX balance but the rent debt automated collectors willl not remove this debt. They say I have to do a fraud packet but I have provided everything and Im homeless so I have no address to have mail sent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: TX

Complaint narrative:
15 usc 1681a ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was not notified, nor did I give permissible consent to add an account without the purchase agreement and report negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am under contract to purchase my first home. On XX/XX/XXXX I sent a wire ( {$75000.00} ) to what I thought was the seller 's attorney, per my attorney 's email instructions. On XX/XX/XXXX my attorney called and informed me that their law office had been hacked. Upon investigation, we learned that the wire I previously sent was a scam sent to an unknown entity under the guise of the seller attorney ( XXXX XXXX ). We confirmed with the real XXXX XXXX that he never received my funds. I immediately called my bank ( XXXX XXXX XXXX  ) to notify them of the fraud. I also went to the local precinct and filed a police report. 

Per the detective I have been working with I have been informed that the receiving institution ( Citi ) has located the account and frozen the funds. There is {$74000.00} that remains in the fraudulent receiving account. The detective has since shifted his focus into finding the perpetrator and it now is on Citi to get my funds back. 

XXXX XXXX XXXX  ( my bank ) has been very supportive and accommodative in trying to recall these funds. They can not seem to get Citi to facilitate the recall of the frozen funds. I need these funds as soon as possible to facilitate the closing of my home by XX/XX/XXXX. Anything the CFPB can do to expedite Citi 's processes would be greatly appreciated. I'm devastated by this whole experience and just want to see the remaining {$74000.00} in my XXXX account. 

I'm attaching the police report and wire details. You will note the Citi account information where fraudulent wire was sent to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
By Checking my credit report i noticed 9 inquiries that i dont recognise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: NJ

Complaint narrative:
I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX  XXXX XXXX and the credit bureau Experian. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report. 

**Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA. 

**New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: PA

Complaint narrative:
In accordance of the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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: CA

Complaint narrative:
Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 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:
15 usc 1681a ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 6802 ( b ) Opt out ( 1 ) In general financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was not notified, nor did I give permissible consent to add an account without the purchase agreement and report negative items

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: IL

Complaint narrative:
My student loan servicer, Aidvantage, is not properly counting my years of student loan payment and has incorrectly extended my student loan forgiveness date from 25 years ( XX/XX/XXXX ) to nearly 27 years ( XX/XX/XXXX ) when I am eligible for discharge/complete loan forgiveness this year, in XXXX of XXXX. I completed my last professional degree in XXXX of XXXX. My loans went into repayment on XX/XX/XXXX. As of XX/XX/XXXX, I've been in repayment on my student loan for 24 years and 10 months. I've paid down more than XXXX percent of the loan over this period. 

Apparently, Aidvantage is still excluding the COVID-19 forbearance period and possibly other qualifyin

g periods towards my loan even though I qualify. Aidvantage should be treating the months that my loan was in forbearance during the COVID-19 pandemic as if I made qualifying payments. They are not doing this.

Currently, I'm on the Income Contingent Repayment ( ICR ) plan, one of several Income-Driven Repayment ( IDR ) plans. For nearly 25 years, I've taken out a second mortgage to pay off the majority of my student loans, consolidated the loans, and transferred to different payment plans to take advantage of forgiveness options. Now, I'm at the finish line next month, Aidvantage is trying to extend my loan which I've significantly paid down into two more years -- to XXXX, which is far beyond its forgiveness date of XX/XX/XXXX. This is particularly concerning with current legal actions impacting student loans and the possibility of more extreme measures in the coming months, such as executive, judicial, and legislative actions to repeal these student loan forgiveness programs. Timely application of payment counts is extremely important.

I want Aidvantage to promptly add the proper payment counts, including the COVID-19 forbearance counts, to my student loan which I've been paying on for 24 years and 10 months and set my loan forgiveness date to the proper date, XX/XX/XXXX or earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX Case Number : XXXX XXXX XXXX XXXX  Case Number : XXXX XXXX XXXX XXXX  Case Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Collection : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiries XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX Personal Info : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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:
They have no right to the debt because net credit is still claim ownership of this debt on my credit I can show proof they will need to send me a debt validation claim 15 usc 1692G full detailed list of the payment history on this account I wan na to see the original signature that I agreed to on the contract for this creditor Has there been any insurance claim found on this debt I also want to see the chain of title that you have to collect on this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have no idea what this debt is for. In my credit monitoring app it states that Jefferson Capital Systems LLC claims they are the original creditor. I never heard of them nor do I have an account with them. What time was this supposed account opened? What name was used? What address? What was it for? I can't get any information. I dispute it with the credit agencies but they come back saying the creditor say it's valid. How come that information is not shared with me? Why am I not allowed to validate it myself? I get repeated rude phone calls with threats of legal action and sometimes these calls go to my family members which is extremely embarrassing for me. It's not a ton of money. They claim I have 2 accounts. One for {$610.00} and one for {$670.00}, I could make a payment plan and pay it off, but why can't I validate what they claim I owe is real and that it's my debt. And why can't I be treated civilly. This is bullying and extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I found some errors that are impacting my credit standing, governed by 15 USC 16c-2. The hard inquiries were not authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 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: KS

Complaint narrative:
Ive identified errors on my credit report that fall under the regulations of 15 USC 16c-2. These inaccuracies are harming my credit rating, and the inquiries in question were not approved by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo XXXX card decided to hold my payments for for XXXX business days without notifying which caused my rent payment to be returbed and I was charge fees because of it. They didn't vene notify me that they will begin putting my payments on extended hold and their represebtative stated that they arw not required to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
THIS COLLECTION 3RD PARTY IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORTS WITH THE CREDIT BUREAUS.THE INFORMATION THAT THIS 3RD PARTY COLLECTION AGENCY IS REPORTING IS NOT CORRECT AND INACCURATE AND MUST BE DELETED IMMEDIATELY.HOW MUCH DID THE COLLECTION COMPANY PAY FOR THIS INACCURATE ITEMS THEY ARE REPORTING IS UNKNOWN AND NEITHER DOES MY CREDIT REPORTS REFLECT SUCH AMOUNTS. THIS IS A CLEAR VIOLATION OF THE FCRA AS THIS IS NOT ACCURATE OR COMPLETE. SINCE I DO NOT KNOW ANYTHING ABOUT XXXX XXXX XXXX, THEY MUST DELETE THIS IMMEDIATELY!!

Company response to consumer: Closed with explanation