vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: DC

Complaint narrative:
My alarm system XXXX, charged my bank account in error for equipment that was already paid causing my mortgage payment to bounce from my account. I told XXXX XXXX  about what happened and was told I would not be penalized and no adverse reporting to the credit bureau would take place. I told them when I would make the payments this month as I was waiting for XXXX  to refund thousands of dollars from the error that was made. Ive never been late and I believed the XXXXXXXX XXXX representative. I have a top secret security clearance for work and negative credit reporting isnt allowed. XXXXXXXX XXXX reported the mortgage as late, my score plummeted and Im at risk at work for disciplinary action as a result of the negative mark on my credit report. By the XXXX two full payments will be made to XXXX XXXX ( one has already been completed ). XXXX XXXX can schedule the payment if they want assurance. XXXXXXXX XXXX knows this isnt my fault yet Im being penalized because of a terrible error from 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 2023-10-19 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: GA

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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
See attached documents. Remove this personal information that does not belong 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 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
Midland Credit Management keeps destroying my credit regarding an account that I do NOT owe that is NOT mine. I have been a victim of identity theft and have taken the appropriate legal action. 
Even if this were valid, per my attorney this account would still be a violation of my rights under the FDCPA because they are listing this account as " open '' which is a violation of his collections can be reported on file, as they can not report past due, late, or open. 
In the past I had made a request of information such as proof of ownership, verification ( NOT validation ) of the original creditor, last 2 years of payment history, and a copy of the agreement with my alleged signature. I received nothing other than repeated bills, and had they not violated my rights and provided the information I requested under my full right to do so, i could have gotten to the bottom of my identity theft sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This payments was made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
XXXX  XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.

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 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I have tried on Numerous Occasions to Contact the new XXXXXXXX XXXX  Co that took over my account from Prior Handler XXXX. Now Called " aidVantage ''. I can not get ahold of Anyone since my 1st call when I was on the phone for 2hrs and the customer Service rep informed me she could not help me until the last name was put in the system Properly ( My Last Name was spelled incorrectly. Spelling is XXXX they have it under XXXX. The Rep could not fix it while I was on hold waiting back and forth over 8 different times. While on hold again the call was Disconnected. Unfortunately, I have not been able to reach anyone to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: LA

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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:
I don't have credit cards anymore. Credit excluding my Mortgage, is done with. The Big Three credit companies share MY DATA amongst theirselves and others without my consent. Banks give MY DATA to the Big Three without my consent. I have told Experian and XXXX XXXX to delete MY DATA unsuccessfully. Next... I may sue them. I tried to see my so..called credit score via XXXX and I got back ( XXXX XXXX ) does not exist .... A flagrant slap in the face. I have told XXXX to cease and desist ... MY DATA is worth millions to me... And they refuse to make payment, to me, in compromise.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has been falsely reporting a XXXX  XXXX bankruptcy, case # XXXX since early XXXX. I have made dozens of requests to have this item removed, and they continue to refuse to remove it. I have provided not only the XXXX letter showing it has been removed, I have also provided court documents showing the same thing. TransUnion believes they are above the law. 

I have filed numerous complaints with CFPB, and the Federal Trade Commission. Currently I have started the process of filing a small claims order to be served upon them mid to late next week. 

My hope is that I am able to finally get them to use common sense and have this item removed immediately.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
At least 5 incidents. Every time I've used Experian for a " free credit check '' ... The company takes your CC #, then signs you up for an expensive credit monitoring service, without clearly explaining this. Then when you try to cancel the service... Experian keeps charging your card anyway. Every contact and complaint to Experian directly, is totally ignored. 

Eventually you have to contact your CC company, and send them the screenshots showing what has happened, and your cancellation attempts. Your CC company has to refund the , and cancel the service on your behalf. Often the Experian charges continue, and you have to repeat the entire process again. Your CC gives up, cancels your card and issues a new one. This results in a lot of wasted time, , and effort. Other bills have to be updated to the new card #, and sometimes late fees occur before every bill can be updated. Over the years, this never changes. Yet Experian has found new ways to trick consumers into their scam, by having the public sign up for a " free credit score '' etc. through different company names, then after there's a billing issue, it's discovered it's really Experian.

I've had countless screenshots over the years of this... But not readily available atm.

But, I'm sure I'm not the only consumer who's complained to this agency, as the internet is full of identical complaints to my own... So why does this agency still allow Experian to even exist??? They are a full scam. They hold SSN, dob and sensitive data. They effect FICO scores which effects too much in people 's lives. They really should've been shut years ago. How am I still needing to go through all this again and again. They're literally hiding under other services ' names, because no one trusts them. End this madness. I'm out of time and effort to spend on this nonsense. Experian is not a government agency ... Why do they have so much power, and who is giving them authority? Any other company who had this many complaints of financial scam, and held personal data and power over all lending and credit ... Would've been shut down. So, that's it... Shut them down.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
At least 5 incidents. Every time I've used Experian for a " free credit check '' ... The company takes your CC #, then signs you up for an expensive credit monitoring service, without clearly explaining this. Then when you try to cancel the service... Experian keeps charging your card anyway. Every contact and complaint to Experian directly, is totally ignored. 

Eventually you have to contact your CC company, and send them the screenshots showing what has happened, and your cancellation attempts. Your CC company has to refund the XXXX and cancel the service on your behalf. Often the Experian charges continue, and you have to repeat the entire process again. Your CC gives up, cancels your card and issues a new one. This results in a lot of wasted time, XXXX and effort. Other bills have to be updated to the new card #, and sometimes late fees occur before every bill can be updated. Over the years, this never changes. Yet Experian has found new ways to trick consumers into their scam, by having the public sign up for a " free credit score '' etc. through different company names, then after there's a billing issue, it's discovered it's really Experian. 

I've had countless screenshots over the years of this... But not readily available atm. 
But, I'm sure I'm not the only consumer who's complained to this agency, as the internet is full of identical complaints to my own... So why does this agency still allow Experian to even exist??? They are a full scam. They hold SSN, dob and sensitive data. They effect FICO scores which effects too much in people 's lives. They really should've been shut years ago. How am I still needing to go through all this again and again. They're literally hiding under other services ' names, because no one trusts them. End this madness. I'm out of time and effort to spend on this nonsense. Experian is not a government agency ... Why do they have so much power, and who is giving them authority? Any other company who had this many complaints of financial scam, and held personal data and power over all lending and credit ... Would've been shut down. So, that's it... Shut them down.

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 2023-10-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I've had my car with US autos for 5 years. The car loan originally was XXXX. How after 5 years I still owe {$10000.00}. I believe US autos was not taking my money and put it in it towards my car. I don't know what they were doing with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: IL

Complaint narrative:
I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused 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 2023-10-19 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: WA

Complaint narrative:
A note : I have also filed a complaint today regarding this issue with the department of federal student aid. I am filing here primarily to report the problems I have had with Aidvantage ( historically, XXXX ) so the problems are well-documented and others can see the problems with this company. 

I am currently in school, attempting to pay interest + a little extra towards my grad school loans as I can. My loans are serviced by Aidvantage. My intention is to have each payment pay down any accrued interest across all my open loans, and then apply any remainder ( " overpayment '' ) to the loan with the highest balance. Although I have expressed this multiple times to Aidvantage on the phone and in email, and been assured by multiple representatives that this is how payments are processed by default at Aidvantage, my payments are not being applied this way, and instead are applied to just one loan, allowing the other loans to continue accruing/compounding interest. There does not appear to be a way among my automatic/online tools to ensure my desired result. I have had an extremely difficult time getting in touch with Aidvantage to resolve this. On calls, I have twice waited over 50 minutes only to be disconnected without any resolution or follow up ( with and without reaching a representative ). I am told to expect responses to emails within two days, but generally do not hear back until ten days later, and with messages not addressing my issues or requests. Meanwhile, as time passes, more and more payments are being misapplied to my loans in the same manner described above. 

Prior to taking out my grad school loans, XXXX ( now Aidvantage ) serviced my loans. My attempts to pay my loans responsibly ( i.e. on a standard repayment, with overpayments as possible ) were also consistently mis-applied against my best interest and stated wishes. Wait times were long ; customer service agents contradicted each other, gave bad information, or were outright hostile/insulting. Eventually refinanced with a private lender to get away from them. Knowing this, I contacted Aidvantage prior to the lift of the COVID-19 hiatus expressing my overpayment direction instructions, and have documented every interaction I have had with them since. It took mere weeks for the nonsense to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion continues its business partnership with XXXX XXXX. Today, I received a standard message from TransUnion informing me that a collection account on my credit report meets the guidelines of the Fair Credit Reporting Act ( FCRA ). When I called TransUnion and asked for a method of verification, they stated that they were not allowed to provide it. This debt in question is associated with XXXX XXXX, which was recently found liable for engaging in questionable debt collection practices and has collaborated with TransUnion to report inaccurate and fraudulent accounts on my credit report. TransUnion receives payments from XXXX XXXX and prioritizes their data providers over consumers. I have submitted all the necessary documentation to both TransUnion and the collection agency. According to the FCRA, the item that does not belong to me should be removed and blocked during the investigation process. However, TransUnion has refused 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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Trustee Claim XXXX in the amount of {$8300.00} Trustee Claim XXXX in the amount of {$8500.00} both 100 % paid what mortgage address were these applied?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See letters attached delete fraudulent accounts, inquiries and fix late payment reporting errors on the XXXX  XXXX account

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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Withdrew all but a few -approximately XXXX - dollars from a savings account. Called pnc to close an account, representative told me account was closed and a check with remaining balance would be sent. Check was not recieved, and since pnc has charged low balance fees on the account.

Company response to consumer: Closed with explanation