vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: PA

Complaint narrative:
On XX/XX/XXXX the CARES act was passed which suspended payments for federal student loans. I had a small amount left on my federal student loans but i took the opportunity to keep cash in my checking. A few months later I checked my credit score and see that my federal student loan accounts were listed as delinquent. It was and still is hurting my credit. Since it was not a lot of money I paid off the entire balance in XXXX of XXXX. Now it is sitting on my credit score as " closed '' and " delinquent ''. 

On XX/XX/XXXX The Department of Education announced that it will restore accounts to good standing. 

" This includes allowing all borrowers with paused loans to receive a fresh start on repayment by eliminating the impact of delinquency and default and allowing them to reenter repayment in good standing. '' AES did not treat my account as the CARES Act dictated, nor have they followed the direction of the Department of Education to right any issues related to borrowers credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate.

Please remove these Inquiries from my credit report.

These inquiriesarelisted :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to seek assistance with an issue I have encountered with my credit card account, which was originally opened with SunTrust Bank and later transitioned to Truist Bank. 

A few years ago, I set up an automatic payment of {$200.00} on the XXXX of every month, which was the first day of my billing cycle. I recently discovered that for the past XXXX  months, I have been charged a late fee of {$39.00} each month. This amounts to a significant sum that I was completely unaware of until I checked my balance. 

While I was notified of the transition to Truist Bank, I didnt pay much attention as I hadnt used the card during that time. I may have lost the card and never received a new one. Ive only had online access to the account and have opted for paperless billing, so I didnt receive paper statements. Unfortunately, I also did not receive any emails or notifications about these late fees, nor have I received monthly statements via email. 

When I contacted customer service, I was informed that the fees could not be removed as it was not considered a bank error. However, I believe this situation is unfair. The billing cycle appears to have been changed without proper communication, resulting in these continuous late fees despite my consistent {$200.00} payments each month. 

I kindly request your assistance in getting these fees removed. Given the circumstances and lack of notification, I believe this issue warrants reconsideration by the bank. 

Thank you for your attention to this matter. 

Sincerely, 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 2024-08-26 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-08-26 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: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: Diverse Funding Associates LLC
State: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC
State: GA

Complaint narrative:
PB Capitol group has contacted my mother on several occasions to discuss a debt that I have not been directly advised of by them. On XX/XX/year>XXXX  this office contacted my mother and discussed all details of a debt including amount, details and intent to sue. None of which has been disclosed to me. This is in direct violation of my rights and an illegal practice according to the fair debt collection practice act. I formally request that pb capital cease these illegal collection efforts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 
I looked at my XXXX credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I verbalized the dispute over the phone on the XXXX of XX/XX/XXXX and sent notice of the dispute to Genesis, XXXX, as well as the district on XXXX, XX/XX/XXXX. 

Regardless of the dispute, Genesis ( 2 months later without acknowledging the dispute ), still reported negative information on my credit report in an attempt to still try to collect. Genesis also failed to tell/notify any of the credit reporting companies who they reported my debt to, that I disputed the debt. 

I requested proof/receipt as well as an itemized list of discrepancies. 

My son moved out of the apartment ( District on 5th ) in XXXX of XXXX with a XXXX balance. A moveout inspection was submitted the XXXX of XXXX no acknowledgement, but noted on the final statement. On XX/XX/XXXX ( a year later and after residents had already leased and moved out of the residence ) we received an inaccurate/false statement of damages sent by the apartment complex. False statement, because there were no receipts and the statement had pictures of my son and his roommates pointing to damages when they moved in. 

I contacted the apartment that day to point out the issues because it was mentioned that it may have been a mistake and the bill/statement was meant for the tenants who moved in afterwards ( which still made no sense ), as this was over the 60 day time frame Arizona law requires. 

The damages from the pictures attached to the statement, were left from the previous tenant and the complex was never professionally cleaned. We have receipts from the XXXX exchange of all the cleaning supplies we had to purchase. 

There were multiple rooms, but not my son 's room. Also, every roommate recieved the same charges to the same room, despite renting different rooms. 

I requested ( 3 different times ) an itemized receipt for the damages noted.

1. the conditions were pre-existing to our tenancy.

2. The claims are untrue or invalid, for a variety of applicable reasons.

3. The charges, although based on actual damages, are excessive, 4. The claims are unclear because they are vague, not itemized.

5. The damages reflect normal wear and tear.

To make matters worse, Genesis sent a misrepresented and false statement/validation note last week ( outside of the 5 days after first contact ). The statement received in the mail last week, excludes the " comments '' which depicts pictures of my son pointing to discrepancies when he moved into the apartment, showing direct proof that Genesis knowingly and maliciously altered the statement to make it seem as if these fabricated charges were true. As a debt collector Genesis knowingly used false, deceptive, and misleading representation or means to collect or attempt to collect a debt by falsifying the statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Between the dates of XX/XX/year> until XX/XX/year>, my accounts with Cashapp has close because of what they term as sharing violations. I thought this was a private app made for sharing with peer to peer payments amongst each other or friends. 

I had all my accounts open and close with warning. I didn't even get a chance to use some of them. I feel they're bias or someone on staff is dictating my relationship resources from making money. 

It could be discriminative in the actions of Cash.app. I had a friend that like to share payments to help her investment planning. Also, I like to use cash.app to help move money to my accounts or make payments to other resources. I also like move money to cash.app from other resources. 

They have limit my abilities to move money without leaving home to a store to do a cash deposit at a register to reload to accounts. 

My accounts in phone numbers of XXXX, XXXX and XXXX all has been closed. What is the app about? a peer to peer or business currency exchanges I thought.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I have been attempting to rectify my mortgage and credit score with chfa & XXXX since XX/XX/year>. This has not yet been rectified. 1. I continue to receive various bills for different amounts all due on the same date. This needs to be resolved. I need one statement per month only.
2. My payments are subsidized by section 8 and payments are made on time. Dovenmuehle claims they were late and as a result my credit has been damaged. I had a good credit rating that was reduced to fair. This needs to be fully resolved specifically to include from XXXX to XXXXt of XXXX. 

3. As a XXXXXXXX XXXX  in need of accessibility I am requesting a contact liaison at Dovenmuehle in the Special Loans department who will be knowledgeable about my loan and special needs. My Independent Living Specialist and I spent an unbelievable number of hours and phone calls since XX/XX/year> attempting to have the account rectified to no avail. We were given different information by every different person, and no one had a clue what was going on with my account. I am in need of accessibility to access accurate information on my mortgage. This has not happened so far. 

4. I have requested a letter of apology from Dovenmuehle regarding the errors in my report. I have not received that letter. I want to provide this letter to my creditors since some of them have reduced my limits given the negative reporting from Dovenmuehle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: IN

Complaint narrative:
When I went to review my credit profile there was some inquiries that were not mine.

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 2024-08-26 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a 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 2024-08-26 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:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a 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 explanation
Consumer complaint received 2024-08-26 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: TX

Complaint narrative:
Verification Issues : According to the FCRA, credit reporting agencies are required to ensure that information on a credit report is accurate and complete. The specific provision is 15 U.S.C. 1681i ( a ), which mandates that when a consumer disputes the accuracy of information, the credit reporting agency must investigate the dispute and verify the accuracy of the information. 
Despite disputing the information with XXXX XXXX on XXXX, the bankruptcy report has not been corrected. The agency has failed to provide clear documentation or evidence of how the bankruptcy information was verified, which is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) that requires reasonable procedures to ensure the accuracy of information. 

US BKPT CT FL XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX number ( 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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/year>. I noticed a discrepancy on my EQUIFAX CREDIT REPORT. I called XXXX XXXX, and explained the discrepancy The report showed an incorrect posting on my XXXX XXXX  ACCT ENDING IN XXXX, instead of XXXX XXXX  it is reporting the CREDITOR as XXXX XXXX. I DISPUTED the discrepancy ( confirmation # XXXX ) on XX/XX/year>. Called and spoke with Customer Service they told me to contact their Credit Bureau Dispute and scheduled a phone meeting, have not heard from them, so I signed up for XXXX XXXX ON FRIDAY XX/XX/year>. After I disputed the discrepancy I received a notification from XXXX, regarding TRUE NAME FRAUD, ID ALERT # XXXX, also filed a fraud alert on my EQUIFAX CREDIT REPORT. AS OF TODAY XX/XX/year>. I have not received a response from XXXX XXXX  to correct this issue.

Company response to consumer: Closed with non-monetary relief