vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aqua Finance, Inc.
State: KY

Complaint narrative:
I filed an original complaint with CFPB and since Aqua Finance called and I didnt get back to them within a day or two CFPB closed this complaint out. I called Aqua Finance and explained the identify theft situation, that my ex boyfriend that I havent lived with since around XXXXXXXX XXXX 2021 used my social security number to put an account in his name with him. I did not agree or let him do this. I have tried to speak with Aqua Finance numerous times and they just do not want to remove it saying its accurate when its not. I lived in a whole different city when this was even opened. I lived with an old friend in XXXX, Kentucky when this was opened. I have tried to figure out how to file identity theft with police department but it got no where because I was bounced around from which county it actually needs to be filed with and the police departments kept bouncing me around not wanting to be of any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
This complaint is being filed against AFFIRM in regard to a " Notice of Dispute '' letter that was delivered to them on XX/XX/2024. I requested an investigation concerning an inaccurate account that I wanted either corrected or removed. It has now been 33 days and I have not been acknowledged or notified by the company regarding the investigation. The notice of dispute letter was mailed to them on XX/XX/2024. Their Furnisher Rule per 660.4 ( e ) and the Fair Credit Reporting Act only allows 30 days for creditors to investigate per FCRA 15 USC 1681s-2 ( E ) ( iii ). It has passed the 30 days permitted by law, and nothing has been corrected. This may also constitute a violation per FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( B ). I, XXXX XXXX, am rightfully demanding the deletion of this account based on these behaviors and failure to rectify the inaccurate account reported on my consumer report. The inaccurate account is damaging my reputation and character. As the Fair Credit Reporting Act permits, I want this account removed for violations of the FCRA. It is my federally protected right for remedy regarding this matter ( 15 USC 1681n ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX  XXXX  EMPLOYER : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-05 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: OH

Complaint narrative:
I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. I should be in process of getting a home sometime this year of 2024 and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my XXXX health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I

have never done business with Jefferson Capital... I never bought an item, paid for a service or signed any contract with Jefferson Capital Additionally. they have added a collection to my credit profile and labeled it open. How is something open and in collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: NC

Complaint narrative:
MY INFORMATION WAS LOST DURING MY TAXPREPARER RELOCATING. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NOT AUTHORIZED. I CALLED AND MAILED LETTERS TO EACH BUREAU NOTIFYING THEM OF THE FRAUDULENT ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN WRITTEN CONSENT FOR ANY OF THIS INFORMATION TO BE FURNISHED TO MY ACCOUNT WHICH IS IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS DUE TO IDENTITY THEFT IS ALSO IN VIOLATION OF 15 USC 1681 C-2

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  / XXXX  || Account Number : 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 non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Picture of proof included XXXX XXXX XXXX XXXX XXXXXXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

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 non-monetary relief
Consumer complaint received 2024-03-05 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Aid Advantage I am writing to dispute a student loan entry on my credit report that I believe is inaccurately affecting my credit score and hindering my ability to purchase a home. Despite my previous attempts to resolve this issue, the entry has not been corrected or removed, which compels me to reference the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to support my dispute. 

According to the FCRA, Credit Reporting Agencies ( CRAs ) are required to promote accuracy, fairness, and the privacy of personal information in the files they maintain. The law emphasizes the importance of maintaining accurate information about consumers credit worthiness, credit standing, and credit capacity, as outlined in 1681a. 

I believe that the entry related to my student loan managed by Aid Advantage does not accurately reflect the current status of my account. {$2700.00} Under the FCRA, I am entitled to dispute this inaccurate information and request that it be corrected or removed from my credit report. I kindly request that Aid Advantage investigate this matter promptly and make the necessary corrections to ensure that my credit report reflects accurate and up-to-date information regarding my student loan. 

Furthermore, I would like to remind you that under 1681i of the FCRA, you are required to conduct a reasonable investigation within 30 days upon receiving this dispute. Failure to correct the inaccuracies may compel me to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 

I appreciate your prompt attention to this matter and look forward to a resolution that will allow me to proceed with purchasing a home. Please send me a written confirmation of the receipt of this letter and keep me informed about the progress of the investigation. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am writing to file a formal complaint against Care Credit, a division of Synchrony Bank, for their failure to accurately report my credit card usage and payments to the national Credit Reporting Agencies ( CRAs ) as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This negligence has had a profoundly negative impact on my credit score, severely hindering my ability to secure a mortgage for my first home, a dream that seems increasingly unattainable due to Care Credit 's apparent disregard for consumer rights and credit reporting accuracy. 

Despite my diligent efforts to manage my finances responsibly, including paying down my Care Credit card, Care Credit has consistently failed to update or correct my credit utilization ratio. This inaccuracy has unjustly portrayed me as an overextended borrower, casting a long shadow over my creditworthiness and character in the eyes of potential lenders. It is deeply concerning that Care Credit 's actions, or lack thereof, directly contravene the FCRA 's core objective to promote accuracy, fairness, and the privacy of personal information in consumer credit reporting. 

The FCRA clearly stipulates that entities like Care Credit are obligated to furnish accurate and updated information about consumers to CRAs ( see 1681s-2 ). The failure of Care Credit to comply with these legal requirements not only undermines the integrity of the credit reporting system but also inflicts unwarranted financial and emotional distress on individuals striving to achieve their financial goals. 

It is disheartening to witness how Care Credit 's negligent reporting practices have impeded my financial progress and tarnished my reputation among lending institutions. Their inaction reflects a glaring indifference to the principles of fairness and accuracy upheld by the FCRA, casting doubt on their commitment to consumer rights. 

I hereby urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and to hold Care Credit accountable for their failure to adhere to federal law governing credit reporting practices. Consumers deserve to be treated with respect and fairness, particularly when their financial futures are at stake.

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 2024-03-05 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an account to my consumer report that they no longer own and the debt has been paid to the collection agency XXXX in which is the new debt owner I have including documentation that this debt has been paid to XXXX and that XXXX XXXX should no longer be reporting XX/XX/XXXX ( Via : CFPB Portal ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Our Reference No. XXXX XXXX Dear XXXX XXXX : Creditor XXXX XXXX XXXX XXXX XXXX Account No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX | XXXX XXXX, PA XXXX Phone : XXXX | Fax : XXXX Hours of Operation : M-F XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX has received your complaint filed with the Consumer Financial Protection Bureau. XXXX has researched this matter and the findings are set forth below : The above-referenced account is closed as paid less than the balance owed in XXXX  system. It is XXXX  intent to have no further communication with you regarding this matter. Please direct further inquiries on the above account to XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX. 
Enclosed please find a copy of an account payment history with our office for the above account. Should there be a discrepancy, kindly contact us. 
XXXX has not reported the above-referenced account on your credit report. XXXX can not affect a change to how the creditor or any other company may have listed the account on your credit profile. 
We appreciate the opportunity to respond to your inquiry and provide you with the enclosed documentations. 
Very truly yours, XXXX Consumer Affairs XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX closed. XXXX XXXX. refer to client.doc ( Enclosures ) This is a communication from a debt collector. 
Calls to or from XXXX XXXX XXXX may be monitored or recorded for quality assurance. 
Page 1 of 1 XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PAYMENTS Amount/Split XXXX XXXX XXXX XXXX XXXX # Acct Typ Refno Client XXXX XXXXXXXX XXXX XXXXXXXX Subtype : XXXX XXXX XXXX XXXX XXXX Subtype : XXXX Date XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX END OF 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 non-monetary relief
Consumer complaint received 2024-03-05 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: NY

Complaint narrative:
On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting.

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 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I have a surplus in my escrow account in the amount of {$10000.00}. I was informed by Specialized Loan Servicing on XX/XX/year> that my escrow payment would be reduced to {$320.00} from {$1000.00}. That has yet to be done. My mortgage payment was to be reduced from {$4000.00} to {$3200.00}. That has yet to be done. I was to receive an escrow refund of {$10000.00}. That check was never sent. My escrow balance still shows the overage of {$10000.00}. I have called Specialized Loan Servicing on 4 occasions to escalate and it still has not been done. They now tell me that the refund check was cashed though my escrow account has not lowered. I never received a letter nor check. Nor have I cashed any check from my escrow. I am now being asked to file a police report and claim fraud. They cant explain why my payments have not been lowered nor can I get an explanation as to why I still have a {$10000.00} overage in my escrow account if the check had been sent and cashed. There automated system show no escrow refund was ever processed. I believe there is an issue with there process and systems resulting in a failure to lower my escrow payment, which would result in a lower monthly payment. There is an error in the system as the escrow balance has stayed the same but they are claiming a refund check was sent and cashed. They have not provided me a copy of the canceled check and are now asking that I send it all in writing

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief