vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
I paid XXXX or Avant bank for a debt that I owed. A few weeks later a collections agency, called XXXX XXXX, said I owed them the debt. I called, told them I paid it off and they should reach out to whoever they purchased the debt from. I was told they needed to do an investigation into it would take 15 days. 

When I called back they said the debt had been paid but It could not be reversed from my credit. 

I want this reversed off of my credit report because I don't want this to show that I've had a recent collection. I never paid them and I don't owe them and I have the screenshot from my statement to show it. 

I called them and told them they need to reverse it. They just said they could only report that it had been paid not that it could not be reversed. I've tried calling twice but have gotten the same answer. I need this to be reversed. 

I have tried reasoning with XXXXAvant and they said there was nothing they could do and I would have to deal with the collections agency. 

Whos responsible? and how does this get reversed?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I disputed this from my credit report and won the dispute because the debt is not mine. It was purchased. This company has since put another debt collection on my credit after I already filed a dispute and won.

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 2024-01-21 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: Central Portfolio Control Inc.
State: NV

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation everyone in is HJR 192. As all debts are prepaid, there is no valid claim for any further payment. Understand *no valid claim for any further payment* So for a third-party company to be trying to collect a debt is beyond breaking regulations & the LAW. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: Professional Finance Company, Inc.
State: NV

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation everyone in is HJR 192. As all debts are prepaid, there is no valid claim for any further payment. Understand *no valid claim for any further payment* So for a third-party company to be trying to collect a debt is beyond breaking regulations & the LAW. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing XXXX and XXXX XXXX  as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing another complaint from the initial complaint, XXXXbecause their reply and information provided were completely incorrect. 
Briefly explain ; US Bank stated that I only spent {$31000.00}. However, i added up all the statements from XXXX XXXX to XXXX XXXX, ( XXXX calendar year we are in subject to ) I actually spent {$36.00}, XXXX. 
If I spent more than $ XXXX, I am eligible to receive XXXX bonus miles. 

They also forget to mention that I would receive XXXX bonus miles if i spent {$15.00}. 

It is very frustrating that I have to waste my valuable time to look up all the statements and add up all the purchases. 
I have attached the total ( wrote the amount I spent each month shown on the statements ) so US Bank easily understand. And to make sure do pay attention when they reply next time.

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 2024-01-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I suffered great loss when Bank of America wrongfully froze my XXXX account and reversed permanent credits. Several of my benefit payments were absorbed into the negative balance BofA created. I was victimized by Bank of America and have been deprived of my funds for the last 3 years they notified me to submit an Independent Review Process to XXXX consulting XXXX to seek compensation for losses I suffered. I submitted the XXXX with all supporting documentation on XX/XX/XXXX and called for status several times and again can get no clear answer from anybody regarding status of my request or even a time frame for review of my request. Saying there is no time frame is unacceptable! How long is BofA going to deprive me of my funds???! Yes they are supposedly following what they were ordered to do by CFPB and currency controller office in XX/XX/XXXX XXXX but they still havent made me whole for any loss I experienced and as a consumer I shouldnt still be at a loss Years later! I want to be compensated for my funds I lost in my account my weekly payments that were deposited into the account when they illegally froze my account and all the other tremendous life altering losses I suffered due to their abusive and negligent business/banking practices. This 3rd party company handling the IRP also needs to understand what I and so many others have suffered and step up and do the reviews not just brush us off

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 monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
I was able to secure loan forgiveness through PSLF and payoff XX/XX/XXXX  for my loan but I still have not received my refund for XXXX  payments that were over the XXXX  qualifying payments needed for my PSLF qualifying payments. I searched online and saw that other students posted online that CFPB was able to help them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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|

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: OH

Complaint narrative:
I am XXXX XXXX XXXX XXXXg. I could not upload my XXXX XXXX documentation. I could not reach Experian to find out the status of my XXXX XXXX documentation

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 2024-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I paid XXXX or XXXX bank for a debt that I owed. A few weeks later a collections agency, called LVNV Funding, said I owed them the debt. I called, told them I paid it off and they should reach out to whoever they purchased the debt from. I was told they needed to do an investigation into it would take 15 days. 

When I called back they said the debt had been paid but It could not be reversed from my credit. 

I want this reversed off of my credit report because I don't want this to show that I've had a recent collection. I never paid them and I don't owe them and I have the screenshot from my statement to show it. 

I called them and told them they need to reverse it. They just said they could only report that it had been paid not that it could not be reversed. I've tried calling twice but have gotten the same answer. I need this to be reversed. 

I have tried reasoning with XXXX and they said there was nothing they could do and I would have to deal with the collections agency. 

Whos responsible? and how does this get reversed?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
In XX/XX/2021, I was informed by XXXX XXXX about a collection that I had no knowledge of. I immediately contacted the collection agency to clarify that the debt was not mine and was a result of fraud and identity theft. However, the collection agency has not fulfilled their obligation to prove the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: CA

Complaint narrative:
Inquiry is a result of Identity theft/ Fraud

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 2024-01-21 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: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. 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 non-monetary relief
Consumer complaint received 2024-01-21 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:
CCFPB complain XXXX closed without being resolved. Left feedback on complaint, but filing another complaint to re-open original issue. Loan shows as in forebarance until XXXX. I did not request forebarance. Unable to make auto payments or voluntary one off payments for any of my loans, but they continue to accrue interest. Website not working and customer service non-responsive with exception of response to initial CFPB complaint. Can not get statements showing interest accruing and accounbt showing no payment due, but principle plus interest accruing at a rate of over XXXX XXXXMonth and no ability to make any payments against my student loans. I want to see this fixed, a nd want all accrued interest since repayments restarted refunded under the ffederal program for servicers that are still not operating properly under their contracts. THis is frustrating and I am going deeper in debt, even though I have the resources to make payments and pay interest plus each month. I have screen shots of everything and outside of the original CFPB response, it is impossible to get through to Aidvantage customer service or get a response in any timely manner. this is FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a XXXX XXXX XXXXXXXX and there are items on my TransUnion credit report that are the result of XXXX I can not log onto TransUnion website to properly identify all of the items because Transunion is blocking me from seeing the information that they're reporting on me. I have not been able to log onto TransUnion website in the last two years. I keep calling them with nothing resolved. I have had it escalated at least 5 times without anything being resolved. I can not upload my XXXX XXXX documentation on their website either because they are blocking me access.

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 2024-01-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
It is illegal to report transactions history income can not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a XXXX XXXX and I notice there's are items on my credit report that are the result of XXXX  and I can not view my Equifax credit report because Equifax is blocking my report and not allowing me to view or upload my XXXX XXXX documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiry found in My credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is illegal to report transactions history income can not be reported.

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 2024-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is illegal to report transactions history income can not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21 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: TX

Complaint narrative:
It is illegal to report transactions history income can not be reported.

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 2024-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I have been waiting to have my XXXX application to be processed for almost two years. It was initially submitted by fax in XX/XX/XXXX. I contacted Mohela in XX/XX/XXXX to inquire as to the processing delay and was told the fax was incomplete as only the first of several pages came through ( though nobody ever contacted me to notify me of this ). I resubmitted the form on XX/XX/XXXX. After the status didn't change from " processing '' after several months I inquired as to the reason and was told they are waiting for XXXX to approve my employer ( the state of California ) as eligible. They said they couldn't give me any timetable for completing the application review. At this stage, I am now well past my XXXX required payments needed for forgiveness and I'm still making payments as I wait for this process to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief