vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rodriguez Fernandez Law Offices, LLC
State: PR

Complaint narrative:
This is the second complaint submitted against this apparent law office ; they called on XX/XX/year> and were told to validate the supposed debt. No response or notifications have been received. On XX/XX/year> they called alleging call is recorded for quality purposes. I answered I had no problems with call being recorded, provided they consent I do the same, as is my right. XXXX XXXX who was the person at the other end of the line, responded that under FDCPA that was not allowed, which is not true. XXXX XXXX then proceeded to threaten legal action by saying : " ... legal action will then continue from the office of Rodriguez Fernandez '' before disconnecting the call.

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 2024-06-18 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: NY

Complaint narrative:
The issues begin in XX/XX/XXXX when I was placed on administrative forbearance by Aidvantage because I was emailed and told to apply for SAVE which I did ( inappropriately because I had already been on REPAYE and was automatically moved from REPAYE to SAVE ). Because of this I was notified that my autopay would be delayed during forbearance ( but I never received a separate notice telling me I was placed on forbearance ). My auto-payment did not go through in XXXX and then I noticed I was in forbearance. I messaged them in XXXX and requested a forbearance lifted, but it was not, it continued through XX/XX/XXXX. In XX/XX/XXXX, the loan was transferred to XXXX and received in XXXX. The account was initially received on a forbearance. I messaged XXXX and requested a lifted forbearance without response. I shared my concern that I am missing qualifying PSLF payments and by not making payments I am not qualifying for SAVE subsidies. I called and spoke to a customer service representative who re-assured me that both of these would be adjusted and that I should make manual payments. I have made manual minimum payments of {$150.00} in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in order to indicate that I am not having economic hardship and that I wish to be off of forbearance. I have made multiple requests to be taken off forbearance. I have made both phone and message requests and am still on this day of XX/XX/XXXX on forbearance. In XXXX I had {$9700.00} in interest applied to my balance which should not have occurred because I should be receiving SAVE subsidies. In my most recent request off of forbearance, I was told that time in forbearance will not count towards PSLF. I feel that both XXXX and advantage have been malignantly using administrative forbearance assignments in order to benefit themselves by delaying pslf payments and invalidating my loans from qualifying for SAVXXXX subsidies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom This May Concern TRANSUNION IS Reporting An Acct That Does Not Belong To Me The Information Is Affecting My Credit. I Disputed The Acct On My XXXX XXXX  File But It Is Still Showing Dispute center In partnership with TransUnion In partnership with TransUnion Current dispute File number : XXXX Estimated completion date : XXXX File number : XXXX Estimated completion date : XXXX Sent to TransUnion On Invalid Date In review On Invalid Date Completed Need to send TransUnion additional 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 non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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 2024-06-18 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: 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 Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX 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 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 2024-06-18 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: NJ

Complaint narrative:
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Employer - XXXXXXXX XXXX  Employer - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged AHF - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: NJ

Complaint narrative:
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - 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 Employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-06-19 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a Home Depot credit card that I never applied for. Separately on XX/XX/year>, I received an Account Statement from Home Depot with a balance in sum of {$8100.00}. I immediately called Home Depot and reported FRAUD. Home Depot representative gave me a CASE ID number XXXX. I also disputed the Credit Card account to 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 2024-06-18 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: OH

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2024-06-18 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: OH

Complaint narrative:
Since XXXX, I have attempted to make my student loan payments to Aidvantage online. Every time, I get an email confirmation that the payment was successful, and a few days later another one that the payment has posted. A XXXX  or so will go by before I get a notice that my payment was rejected because my bank account could not be found. I called and was told it was my bank rejecting their attempts to withdraw the payment, I asked for documentation to provide to my bank and they would not give me anything. I have no issue paying every single other bill I have with my bank account online. I had to purchase checks to be able to make my student loan payment, and those were just stolen. Even making a payment over the phone doesnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: 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 Account 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 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 2024-06-18 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
This is a southwest Chase business credit card that I did not open and was opened fraudulently and I didnt realize that this account was open because it did not show until the account became delinquent. Thats when it showed up on my credit report in XXXX and that made me aware that they was a credit card opened in my name without my knowledge or authorization and its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Cascade CISS Holdings, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Pulled my report on XX/XX/year> They are with XXXX XXXX XXXX I did not authorize this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NY

Complaint narrative:
Subject : Request for Investigation of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of certain information contained in my consumer report. I have identified an account that appears to be inaccurately reported. This inaccuracy is of great concern to me, and I request a thorough investigation into this matter. 

Account Information : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Please verify all aspects of this account and its reporting history. I am requesting that any information found to be inaccurate or unverifiable be corrected or removed from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), please complete the investigation within the required time frame and provide me with the results in writing. Additionally, please send me an updated copy of my credit report reflecting any changes made. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-06-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: TX

Complaint narrative:
I am attaching a dispute i sent multiple times to all three credit bureaus, i have researched USC 1681 aggravated identity theft and have identified multiple accounts, names, addresses, and job history that are in correct and where improperly added to my consumer report without my permission.

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 2024-06-18 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: TX

Complaint narrative:
I am attaching a dispute i sent multiple times to all three credit bureaus, i have researched USC 1681 aggravated identity theft and have identified multiple accounts, names, addresses, and job history that are in correct and where improperly added to my consumer report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
INQUIRY - SYNCBLOWES - XXXX I have recently obtained a copy of my credit report and have observed the presence of credit inquiries made by entities for which I do not recall granting authorization. It is my understanding that the placement of an inquiry on my credit file necessitates explicit consent, thus I kindly request the prompt removal of this unauthorized inquiry from my credit file. Additionally, I would greatly appreciate receiving formal documentation confirming that a thorough investigation has been conducted and that the unauthorized inquiries have indeed been expunged. Thank you for your attention to this matter.

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 2024-06-18 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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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 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