vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
Dear Duvera Billing Services, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately. 

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred.

2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges.

3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt. 4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to Duvera Billing Services, establishing your legal right to collect. In addition, it has come to my attention that your atte
mpts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you immediately cease all further communication with me regarding this matter. 

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA. 

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: CA

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My federal loan was switched over from XXXX to Aidvantage. My loan monthly payment was {$300.00} with XXXX, but Aidvantage is now charging me over XXXX XXXX XXXX XXXX I called to ask why theres such a huge discrepancy and they said the payment plan I was in with XXXX, is not a payment plan that they currently offer. I was on the SAVE plan, but Aidvantage insists I was not. They charged me {$2000.00} on XX/XX/scrub>XXXX returned the money into my account a day later, and charged me the same amount again on XXXXXX/XX/year>. They currently put a forbearance on my account because I can not afford the current monthly payment and reported to me that about {$1000.00} of interest will accrue a month until I can figure it out. They told me I can submit an application for the SAVE plan but all applicants will be put on hold and will not be processed for the time being. I can not afford to pay {$2000.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management
State: WA

Complaint narrative:
Double charged me, I tried negotiating the payment. Refusal to put in writing that after payment the Debt will be deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 explanation
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-24 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 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 an 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 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 2024-09-24 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: MI

Complaint narrative:
I have been disputing fraudulent inquiries from Experian for 60+ days and theyre not removing them. At this point Im taking legal action if they are not removed in 24-48 hours.

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 2024-09-24 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 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 2024-09-24 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 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 2024-09-24 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have pulled a copy of my credit report and found that there are fraudulent accounts and addresses that I have never lived at. I have asked the credit reporting agency to remove the addresses that I have never lived at and they refused to do so stating that the fraud accounts are at that address. But if the accounts are fraud and not tied to my correct address, they should remove the fraudulent accounts and the fraud addresses. My correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The address listed below I have never lived at, and they must be removed from my credit report. 
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 non-monetary relief
Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Transform Credit Inc.
State: NY

Complaint narrative:
I am writing to formally file a complaint regarding a case of identity theft involving your company, Transform Credit. Since XXXX, I have been a victim of recurring identity theft, with incidents reemerging periodically as my stolen personal information gets passed on to other criminals. Most recently, on Saturday, XX/XX/XXXX, I received a welcome email from Transform Credit, proposing a credit contract, followed by a second email indicating that an account had been fully set up in my name. 

I immediately responded, informing your company that I had not applied for any accounts and that this application was fraudulent, a result of my stolen information being used without my consent. Despite my clear communication, I received responses from your representatives stating, I can see that you have signed up for a XXXX XXXX account, failing to acknowledge the fraudulent nature of the application. 

While you claimed that the account was canceled, I received another email on XX/XX/XXXX, stating that {$3000.00} has been reserved for me. This demonstrates that Transform Credit has failed to properly flag the application as fraudulent, and continues to treat this application as legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-24 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/XXXX my entire purse was stolen, inside included my wallet with 7 credit cards, my phone and my XXXX XXXX XXXX 

I reached out to FNBO ( formally and who I signed up to have a credit card account with was XXXX XXXX XXXX. This card is now being ran by 'First National Bank of Omaha '. 
Had I KNOWN this bank would be implementing these policies, I would have gotten rid of the card when they changed over in XXXX. I never initially entered into any agreement with this Bank, XXXX got sold to this bank and they took over. I had my account for 3 year previous to this change WITHOUT ISSUE. Even when I had fraud activity previously, they immediately gave me credit until they completed their investigation. NOT THIS FNBO bank! on XXXX my info was stolen and attempted to be used for XXXX payment. I advised this bank of my card being stolen on the same date, XX/XX/XXXX. It was at this point that the rep advised I had activity on my card from that day, XXXX. I did not use my card and advised her that was not an authorized purchase. 

She completed her intake info and I was provided a 'credit '. I then reviewed my online credit info by logging into FNBO site. I saw on XXXX XXXX XXXX charge and on XX/XX/XXXX I seen the SAME XXXXXXXX XXXX On XX/XX/XXXX I attempted to call in but was told the fraud dept was closed. Albeit, he did tell me that XXXX DID NOT HAVE TO PAY ON THE XXXXXXXX XXXX  and it was a credit for me. I didnt have to pay it. '' I told him I needed that statement in WRITIING. He said he's not authorized to give that I needed to call back the next day since fraud dept was closed. I called today on XX/XX/XXXX and was told by a 'fraud analyst ' named XXXX that there was a credit and I would not have to worry about making that payment. She stated in her NOTES, it stated there was a credit given. O On my FNBO account, I did NOT see a credit. In fact, I seen TWO CHARGES of the fraudulent XXXX! I asked about this and she said I did not have to pay for this but I DO! I HAVE A BALANCE ALREADY ON THE ACCOUNT OF XXXXXXXX So I HAVE to make a payment and they're INCLUDING the FRAUD CHARGE OF XXXXXXXX 
I was then transferred to XXXX XXXX XXXX XXXX 
He advised FNBO DOES NOT GIVE OUT CREDITS!!!!! I was told by 3 different agents I would get a credit and after 2 billing cycles my investigation would be completed. 
XXXX advised they don't give out credits. I asked him, 'so what if the fraud charge was XXXX XXXX XXXX XXXX XXXX XXXX? I would have TO MAKE PAYMENTS ON THIS FOR 60 DAYS!? 

This is highly implausible to REQUIRE consumers to pay for FRAUD CHARGES until THEIR investigations are completed! I'm STILL PAYING ON THE FRAUD CHARGE THAT I DID NOT MAKE!!!!!!!!!!!!!!!!!!!!!!

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 2024-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
The vehicle was paid in full on XX/XX/scrub>XXXX  and Santander Consumer refuses to refund me my gap and service contracts. They have been paid in full and I am not told I have to wait until the dealership gets paid there portion before they will refund my over payment. Ripping me off out of XXXX XXXX XXXX

Company response to consumer: Closed with explanation