vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX was previously my student load holder and my loans were move without my approval or knowledge to XXXX, which managed my loans. I have been paying the loans since XXXX and it's XXXX and I am still paying the loans. The loans ballooned from about {$6800.00} to know {$38000.00} not almost 30 years of payments. The loan has been improperly managed. I reached out to XXXX  about the status of the loans in XXXX - XX/XX/XXXX and analyst advised me to consolidate my loan to a Federal Loan servicer because my loan was eligible for forgiveness based on me paying the loans for over 30 years. I listened to consolidated my XXXX  loan per their advice to Aid Advantage. Upon consolidating my loan with Aid Advantage, they said it was a new loan and there was no history of 30 years of payments on the loan. The term of the loan then got longer, and interest rate got higher and they basically told me I started a new loan and no forgiveness has been granted. I had filed complaints with the XXXX  XXXX XXXX and still no action has been taken. XXXX  misled me and provided fales and inaccurate information repeatedly over the course of the loan. This has caused me great grief and continues to do so. I have been paying this loan for over have my life and the balance just gets bigger. XXXX  has terrible practices and it's heartbreaking they steered me into forebearance on multiple occasions, as well as provided bad loan counsel and advice. The payments on my loans were excessive and no matter how much I paid -- they just continued to grow rather than go down. I want XXXX  held accountable for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armcon Corp
State: CA

Complaint narrative:
On XX/XX/XXXX there was a serious accident that happened to a MINOR XXXX XXXX at my residence. XXXX did not obtain correct billing information, such as address etc. The invoices addressed to MINOR XXXX XXXX was sent to my house at XXXX XXXX XXXX. Since this happened at my residence I began to pay these invoices. Attached are the invoices and my payment history which is not correct. Check XXXX {$5000.00} accompanying this invoice I wrote a note saying I will be taking care of this invoice and I would send another check soon with a " paid in full '' date of as soon as possible that I was experiencing some financial struggles. Not once did this company say that this was unacceptable and cashed by {$50.00}, Check XXXX for {$100.00} sent on XX/XX/XXXX was never cashed. again no invoices were sent to me. I then sent check XXXX for {$200.00} with a note that " I would pay in full the following month '', again no communication for this company, check was cashed. I sent a check XXXX for {$700.00} on XX/XX/XXXX which was never cashed and again no communication from this company. I have only received the attached invoice dated XX/XX/XXXX showing the payments made and checks cashed. I was under the impression making payments was acceptable. This company then sent these collections to CVCS and this company attached collections to all credit bureau 's damaging the credit of someone who had nothing to do with this injury or debt. I made every attempt to make good on this invoice. CVCS sent a notice to XXXX XXXX asking for money she isn't responsible for, also there are NO dates listed on this collection notice. All the checks cashed and sent have my name and address on them. Again, this invoice was addressed and sent to a MINOR XXXX y/o. It was the responsibility of the XXXX XXXX XXXX XXXX  to obtain the correct billing information and signatures of an adult or guardian. This did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-09-18 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: IL

Complaint narrative:
In accordance with the fair credit reporting act account XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX 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 WHITOUT MY WRITTEN INSTRUCTIONS. 
Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. I expect you to delete these negative accounts.

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 2024-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Bridge IT, Inc.
State: WI

Complaint narrative:
When I signed up with Brigit for access to emergency funds I was told that they would pull from my account on Tuesdays, the day before my paycheck hits my account. They based this on some information that shows that my bank has added this deposit to my account very late at night on Tuesdays, usually XXXX XXXX XXXXXXXX XXXX XXXX. I explained that if they pull it prior to that time, its going to cause an overdraft and was told explicitly that if an overdraft is caused, I will call them and they will refund it to me. They then manually changed my account account to show that they would pull on Wednesdays. 

I reached out to Brigit this morning to report that this exact scenario occurred- they pulled the money on Tuesday, and my financial institution put my check in very late at night on Tuesday, but not until after charging me an overdraft because of Brigits attempt to pull a day earlier than I told them they could. I asked Brigit to refund me the overdraft exactly as I was assured they would. XXXX refused and then immediately left the chat. 

I just want my {$32.00} back like they promised I would get. I have canceled their service for they were charging me {$8.00} a month. I will not use them again, and I will be very vocal to anybody else out there about why they should not use this product. 

Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
This is my 4th request to validate the charges that Mechant Adj Services has placed on my credit report. The explanation that was provided in my original complaint ( XXXX, XXXX and XXXX ) was not satisfactory. I have asked for MERCHANT ADJ SERVICES, to validate that they have a signe agreement between myself and their company. It is the debt collectors responsibility to provide proof of the debt, not refer me anywhere! YOU have absolutely refused to provide any documentation other than a bill This is not fair as a consumer to have a charge added to my credit report from tvis company and they provide a general response. I am requesting a higher lever of review of my case. I will not reach out to XXXX as they do not appear on my credit report. I have filed a complaint with the XXXX  and I feel that my rights as a consumer is being violated. It is not my responsibility to reach out to a different company to assist you with providing me the proper validation. I am AGAIN, request that you provide me with the following documents : I am asking that this debit be completely removed if you are not able to validate the with the information I requested. This was my request : Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Please provide a breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. If you can not provide me with the information I'm requesting I am asking that you remove this debit from all 3 credit bureaus immediately. Referring me to another company is not a satisfactory response. Here is the original request as from the XXXX : On XX/XX/2024 I wrote all 3 credit bureaus a certified letter requesting that Merchant Adjustment Service validate the debit on my credit files. The amount of the debts that are showing on my report is {$1500.00} with the date assigned listed as XXXX and account number XXXX and {$650.00} with the assigned date listed as XXXX, account # XXXX. Thank you, 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 2024-09-18 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: IL

Complaint narrative:
I need your assistance with an incorrect account showing up on my credit report. This issue has affected my reputation, and I am seeking your help. Due to your mishandling of my credit information, my standing has been severely damaged. Please remove this incorrect information from 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 non-monetary relief
Consumer complaint received 2024-09-18 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!

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 2024-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act account XXXX XXXX, XXXX XXXX XXXX XXXX XXXXL XXXX, XXXX XXXX XXXXXXXX. 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 WHITOUT MY WRITTEN INSTRUCTIONS.

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 2024-09-18 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-09-18 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: CA

Complaint narrative:
To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX  XXXX  Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks. 

XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you have proof, you need to remove these late remarks.

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 2024-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
My husband and I opened a joint savings account in XXXX or XXXX. We advised that we wanted a joint account. We were told we were opening a joint account, where each of us would be able to access all money, documents, and information about the account. I am not able to access statements for the account, and my husband has to approve the bank making copies of statements for the account. The bank said only the primary account holder has access, but we were told that I would have full access when we opened the account. I have requested documents for the opening of the account, the bank says there are none. I requested to speak with a manager, and was told would take up to 45 days for them to call me. No one ever did. I called back today, XXXX/XXXX/XXXX, and was told that my request for contact was misfiled, and they will fix it, but I will have to wait 30 more days for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of 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 2024-09-18 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: MA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED 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 2024-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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.

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