vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint is filed against both XXXX and Equifax for reporting a account on my credit report that has wrong/ incorrect information that is affecting consumers credit score, violates due process of federal law and violates the Fair Credit Reporting Act. Said account was disputed with both XXXX and Equifax and verified as correct/ accurate. Said account is called kickoff lending under account number XXXX. A investigation of both reports side by side will show errors and discrepancies which will show both credit reporting agencies verified completely different info. from same account which is impossible. A copy of the consumers XXXX XXXX 3 bureau report is included in this complaint to show all errors and discrepancies since reports are side by side.Both XXXX and Equifax can't verify info for the same account and both reports be so different in nature.I am requesting that this complaint be sent to both XXXX and Equifax and that each compare both reports and investigate all errors. Said errors are : 1. High balance on XXXX shows 0 and Equifax shows 15. Both differ. XXXX. Date of last activity with XXXX shows XXXX and Equifax shows XXXX. Both differ. XXXX. Date of last payment with XXXX shows XXXX and Equifax shows XXXX. Both differ. XXXX Credit limit with XXXX  shows XXXX and Equifax XXXX XXXX. Both differ. 5. XXXX shows 3 90 days late and Equifax shows XXXX 90 days late. Both differ. 6. XXXX report states last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was in XXXX. Both differ on same report. 7. Equifax report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar, it shows in XXXX that the account was 30 days late. Both differ on same report and both can't be correct. XXXX. XXXX report shows on 2 year payment history calendar that in XXXX Of 2022 account was 150 days late and Equifax report shows under 2 year payment history calendar that account was 120 days late. Both differ and can't be correct. 9. Date last verified is missing on both reports. 3 bureau XXXX XXXX report with side by side reports will substantiate all errors and discrepancies. Both bureau reports greatly differ but both verified as correct is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights 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 non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they 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 considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous & Associates , PLLC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX To : The XXXX XXXX XXXX XXXX for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: CA

Complaint narrative:
I have been trying to get an accurate count of months in repayment from my loan servicer, Aidvantage. I consolidated in XXXX ( only in order to qualify for the XXXX and XXXX income-based loan programs from the Federal Govenment ). In XX/XX/XXXX, I asked Aidvantage to get information from XXXX so that it could see the origination of my underlying, initial loans which originated in XXXX -- so that they could make an accurate count of the months I've been in repayment towards the eventual XXXX or 25 years of repayment loan forgiveness. On XX/XX/XXXX, Aidvantage sent me a letter, saying that as per my request, here 's the correct information -- and it only goes back to XXXX, with 8 months of repayment noted. On XX/XX/XXXX I called Aidvantage, and they told me that they had no information about my underlying loans ( prior to consolidation ), and that only my previous servicer, XXXX, had that information. Aidvantage also told me that a true accounting of my months in repayment could have only been updated with a XXXX XXXX request, but the XXXX XXXX request could only be requested up until the summer of XXXX. Note : I have not been in public service, I am not seeking XXXX XXXX XXXX XXXX. After this call with Aidvantage on XX/XX/XXXX, I called XXXX -- and XXXX told me that they had already sent all of my underlying loan information ( before the XXXX consolidation ) over to Aidvantage -- so Aidvantage definitely has it. XXXX said they could not re-send it to Aidvantage, but could send my underlying loan records by mail to me by late XX/XX/XXXX. I asked XXXX to do this. I believe I am not getting accurate information from Aidvanatge about my student loans -- both in what information about my loans that they have, and in what months of repayment accounting my loans are overall qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: FL

Complaint narrative:
I was on line the other day only to get a pop up for Discover Student Card. I was eventually approved and my card was sent overnight. I was able to take care of some things the first day. The second day I order an XXXX and the card was declined. After calling Discover they advised that they had to verify my IRS information and sent a copy of my bank statements notarized. I am having trouble signing into the XXXX document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance law with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas 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 non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've made several attempts to gain access to my TransUnion credit report to find out why I can not log into my account on the website... They blatently say that the owner of the website has " restricted '' my access! For some reason they're hijacking my account where I can not see what is on my credit report... I have multiple times try to access my credit report online, and it refuses to gain access for me to look at my credit report and to find out if there's any erroneous information that needs to be removed. I just called and they just hang up right after answering the phones... they are not allowing me, access my account for me to review. The fraud alert information they have on my account is incorrect they have my phone number incorrect, therefore I am making attempts to correct their typos. I don't know what else I need to verify so I can go and make the necessary corrections. These credit reporting companies are privately owned companies that report harmful and erroneous information on a regular basis! They need to be removed from the United States of America immediately! As a mortgage banker for over 40 years we never used any credit monitoring system before the XXXX 's!!! People in America bought millions of homes, cars and consumer goods without their bogus services! Eliminate their harmful and discriminatory credit reporting practices! Please BAN their services from doing business in the United States of America!

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Account numberXXXX his is for banana republic Barclays credit department In accordance with the fair credit reporting act XXXX  has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during XXXX XXXX  and could not accommodate pay by phone within 24 hours. Please remove negative remarks on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays had the wrong address, sent all billing status to XXXX XXXX XXXX XXXX XXXXXXXX pa  not XXXX XXXX XXXX XXXX XXXX pa XXXX. Also when I called in they did not even have my social security number on file fix all this please

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a wire transfer from my account at XXXX XXXX to Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX Routing number XXXX Unfortunately, somehow the account number was trancated in electronic record, missing one last digit. The funds were disbursed, then returned back to my account, citing the wrong account. 

But not all funds have been returned. Bank of America subtracted {$45.00}, without explanation or notification. For what? The funds were NOT delivered, so it simply does not make sense. They provided NO service! 

It is outrageous that Bank of America can just arbitrarily take out any sum of money from the funds in another financial institution, without the owner 's approval or even notification. If this is not highway robbery, then what it? 

Shame on Bank of America.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In XXXX I was employed by XXXX XXXX XXXX, a business located in XXXX XXXX, Oh. XX/XX/XXXX their collections department, XXXX XXXX XXXX, reported a delinquent balance to my Transunion Credit Report. Supposedly, when I resigned the system they use, XXXX, put my account into collections and it looked like I owed XXXX XXXX a balance. I called the owner of XXXX XXXX and asked how I owed a balance. He stated that I don't. He emailed XXXX XXXX and told them to delete my account. XX/XX/XXXX XXXX XXXX XXXX deleted my account from their system but stated they can't call Transunion to remove it from my credit report because they no longer have my account. XX/XX/XXXX I opened a dispute with Transunion. The next day XX/XX/XXXX Transunion stated they reached out to XXXX XXXX XXXX. I called XXXX XXXX and they stated it's a process and will take 30 days. I don't have 30 days. I was in the process of purchasing a house. I need this collection account deleted from my report now.

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 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
In XXXX I was employed by XXXX XXXX XXXX, a business located in XXXX XXXX, Oh. XX/XX/XXXX their collections department, XXXX XXXX XXXX, reported a delinquent balance to my XXXX Credit Report. Supposedly, when I resigned the system they use, XXXX, put my account into collections and it looked like I owed XXXX XXXX a balance. I called the owner of XXXX XXXX and asked how I owed a balance. He stated that I don't. He emailed XXXX XXXX and told them to delete my account. XX/XX/XXXX XXXX XXXX XXXX deleted my account from their system but stated they can't call XXXX to remove it from my credit report because they no longer have my account. XX/XX/XXXX I opened a dispute with XXXX. The next day XX/XX/XXXX XXXX stated they reached out to XXXX XXXX XXXX. I called XXXX XXXX and they stated it's a process and will take 30 days. I don't have 30 days. I was in the process of purchasing a house. I need this collection account deleted from my report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
Please remove the following XXXX inquires I have been a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On or around XXXX XXXX I requested my credit report and noticed some inaccuracy of inquiries on my credit report i notified XXXX, XXXX, Trans union but haven't got the any answer. XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. 

15 u.s.c 1681 I ( 5 ) They are supposed to modify accounts that aren't reporting correctly. 

15 u.s.c section 602 A section 2 : States I have right to privacy 15 u.s.c section 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instruction 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 another 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 disclose to a customer reporting agency if the person knows or has reasonable cause to believe 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against EQUIFAX XXXX XXXX XXXX, who has used my consumer profile without my consent or knowledge. They have engaged in defamation of character by providing incorrect and biased information to a third party company who used information supplied by EQUIFAX INXXXX XXXX XXXX, to deny me an extension of my own credit. As a consumer, this has severely harmed me and caused me to be unable to purchase essential consumer goods and services based on false, erroneous and biased information being supplied by them. EQUIFAX XXXX XXXX XXXX provided a credit score of : XXXX as well as other biased, erroneous information without my knowledge or consent. I applied for an extension of credit in good faith with the company : XXXX XXXX XXXX, XXXX ID # XXXX, and was denied. EQUIFAX XXXX XXXX XXXX and their practices has caused me serious harm and emotional distress as a consumer looking to obtain essential goods to provide for my family and well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately 1. XXXX XXXX XXXXXXXX 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