vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-27 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: CA

Complaint narrative:
On XX/XX/year> I received a call back at XXXXXXXX XXXX from Aidvantage XXXX I requested the XXXX representative to provide me a lower cost for my student loans b/c I couldn't afford the monthly payment I was going to be paying due to financial hardship. She had advised me they could do XXXX XXXX for XXXX & she was going to send the application or to me to fill out & I'd receive it in XXXX. This form came the next day but it didn't mention XXXX in length, XXXX being the XXXX on it. When I reached out via chat & spoke w/a rep named XXXX, XXXX stated they can only do XXXX. I asked her to put me on that for now, but I want to speak to a supervisor as I want what I was promised verbally on the phone yesterday & that this is now a highly illegal 'bait-and-switch ' scheme. I even instructed XXXX XXXX to have her supervisor listen to the call yesterday as it would show that I was indeed promised the XXXX XXXX for XXXX XXXX XXXX then told me I can't speak to a supervisor over the phone & they do chats only. This is absolutely horrendous albeit illegal what this loan servicer is doing to me & I'm also considering legal assistance if I can not get what I was verbally guaranteed on the phone from the female representative on XX/XX/year>. After waiting a few moments online, XXXX disconnected & ended the chat & I never got the chance to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-12-27 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: NJ

Complaint narrative:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the name and business address of each individual whom you verified the above, so that i may follow up. Please send an updated copy of my credit report after your re- 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 non-monetary relief
Consumer complaint received 2024-12-27 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After opting out and other measures Experian is intentionally causing due hardship caused by its inability to provide adequate services and accurate 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 explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
I was charged on and off for more than 5 years by Lexington Law and credit repair.com for services before the results. my credit is still in need of repair

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
COMENITYCB/ZALES Charge Card with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
{$44000.00} was fraudulently transferred from my accounts via ACH payrole transfers. I promptly requested reimbursement pursuant to the Electronic Fund Transfer Act ( " XXXX '', 15 U.S.C. Sections 1693 et seq. and J.P. Morgan Chase Bank 's policies. 
The bank has failed to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
In accordance with 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. 


1. SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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: NJ

Complaint narrative:
Im reaching out to dispute an inaccurate name on my credit report that need to be fixed. My legal name is XXXX XXXX and should be updated on my report correctly. This mistake could affect my credit, and I believe it violates the Fair Credit Reporting Act, which says credit reports need to be accurate. I respectfully request that Equifax update my report with only accurate and verified information. Please provide me with written confirmation once these corrections are made and send me an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2024-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with 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. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2024-12-27 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: FL

Complaint narrative:
I am disputing the inaccurate personal information on my consumer report. The only correct address associated with me is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. All other listed addresses are incorrect and must be removed. My sole employer is XXXX XXXX XXXX XXXX XXXX, and any other employer details should also be deleted. Additionally, please remove all phone numbers on my report. Per the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure all reported information is accurate. Incorrect addresses and other personal details not only violate the FCRA but may also disrupt postal deliveries and cause unnecessary complications. I request immediate correction of these inaccuracies and confirmation once the updates are complete.

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 2024-12-27 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: TX

Complaint narrative:
XXXX XXXX XXXX, XXXX  XXXX XXXX, Texas XXXX XXXX Phone : XXXX [ XX/XX/year> ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Notification of Violation of Section 611 ( b ) of the Fair Credit Reporting Act Dear Sir or Madam : I am writing to you regarding a potential violation of Section 611 ( b ) of the Fair Credit Reporting Act ( FCRA ). Under this provision, if an item previously deleted from my credit report is reinserted, I must be notified in writing within five business days of the reinsertion. 

I have noticed that the following information, which was previously removed from my credit report, has been reinserted without me receiving the required notification : Reinserted Item : [ Describe the specific item ] Reinsertion Date : [ Date you noticed the reinsertion ] I request that you investigate this matter and provide me with a detailed explanation of the reasons for the reinsertion of this item without the proper notification. Furthermore, I urge you to take the necessary steps to address any noncompliance with the FCRA and ensure that my rights as a consumer are upheld. 

Enclosed are copies of relevant documents supporting my claim, including my credit report with the reinserted item highlighted. 

I appreciate your prompt attention to this matter and expect a response within 30 days, as required by the FCRA. 

Sincerely, [ Signature if on paper ] XXXX XXXX XXXX XXXX Enclosures : Copy of the credit report with the reinserted item highlighted [ Other supporting documents ] Summary of Section 611 of the Fair Credit Reporting Act Section 611 of the FCRA outlines the procedures that credit reporting agencies must follow when disputes arise over the accuracy of information in consumer reports. 

Key points of Section 611 : Reinvestigation of disputed information : If a consumer disputes the accuracy of any information on their report, the agency must conduct a free reinvestigation to determine if the information is inaccurate. 

Timeline for reinvestigation : The agency must complete the reinvestigation within 30 days of receiving the dispute. 

Notification of results : After the reinvestigation, the agency must provide the consumer with the results and an updated copy of the report if changes were made. 

Reinsertion of deleted information : If information is removed from the report and later reinserted, the agency must notify the consumer in writing within five business days of the reinsertion. 

Procedures to prevent reappearance of information : Agencies must maintain reasonable procedures to ensure that deleted information does not reappear on the report without proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
united auto credit commited fraud when they share my infomation with the ricovery company that towed my XXXX when i told them via email not to do so and that the contract was void because they sild the original note and cant not produce any document to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I received a notice in the mail from my employer 's payroll department on XX/XX/year> dated XX/XX/year> stating that they had received a garnishment notice to garnish my wages beginning XX/XX/year> in the amount of {$550.00}. On XX/XX/XXXX, I received a packet from Portfolio Recovery Associates dated XX/XX/year> about the writ of garnishment, but no other information about the debt I supposedly owe. On XX/XX/year> I received the same packet again, but this one was dated XX/XX/year>. On XX/XX/XXXX, I sent a Verification of Debt letter to Portfolio Recovery Associates that was picked up and signed for on Friday, XX/XX/XXXX. I have not heard anything back from them yet. I want to know if it is legal for them to garnish my wages without prior notice or verification of debt. I don't get paid again until XX/XX/XXXX, so I don't know if my wages will be garnished again or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2024-12-27 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: AL

Complaint narrative:
I am submitting a complaint against Equifax for failing to block certain information from my credit report that is inaccurate or fraudulent. Despite submitting a formal request and providing all required documentation to support my claim, including police reports, fraud alerts, and identity theft reports, Equifax has not taken appropriate action to block the disputed information. 

I have contacted Equifax multiple times regarding this issue and have yet to receive confirmation that the information has been blocked. This delay in addressing my dispute is damaging my credit and negatively affecting my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
CAPITAL ONE Credit Card with account # XXXX opened on XX/XX/year> and a balance of {$710.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-27 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:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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 2024-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I was making the rounds on my credit accounts to pay my monthly bills. I got to my Bankofthewest credit card ( Now BMO ) and tried to log in. I normally have no problems with this, and pay at least my minimum payment every month. However, this day ( and today, the XXXX ), I was unable to log in despite having the proper account log in information. When BMO tried to send the " verification code '', an error would pop up stating something went wrong with sending the code and then it brings me to a phone number to call. I called the number, and spent XXXX minutes for the customer service person to tell me " something is wrong on their end and just wait 2-3 business days, in the meantime here 's a number to pay your bill ''. I was then transferred and an XXXX callcenter person immediately asks for my social security number. I hang up, and decide to try logging in again tomorrow ( today ). I try again today. The same result. It is unable to send the code to verify my information, despite my information being correct, me being me just wanting to pay my bill, and no way to access my account apparently due to " issues on their end that I need to wait 2-3 business days to fix ''??? Which makes approximately XXXX sense to me. I just want to pay my XXXX bill like I always do. I am filing this complaint in case when I attempt to log in on Monday, XX/XX/XXXX, it fails yet again, I will be protected from whatever type of XXXX they try to pull going forward. I've never been in a position where I am trying to give a company money, and they do everything in their power to not allow me to give them my money. This is on them. Get it together.

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