vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2024-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: OR

Complaint narrative:
Received this and a couple phone calls from a different number as well. I'm pretty sure it's not legit ( and I don't even have an account with them ) You'll rcv acct msgs from Monarch Recovery Management - Debt Collector. # of msgs varies by acct. Msg & DataRatesMayApply.? 's call XXXX. INFO : XXXX XXXX XXXXXXXX This is an attempt to collect a debt and any information obtained will be used for that purpose. To optout reply STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and there are many fraudulent accounts listed on my credit report. I will list the items attached below. 

When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and there are many fraudulent accounts listed on my credit report. I will list the items attached below. 

When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that one piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by XXXX, XXXX, and TransUnion, by failing to review all relevant information provided by XXXX, XXXX, and Transunion, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXXXXXX XXXX assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with XXXX, XXXX, and TransUnion. While XXXX XXXX insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXXXXXX XXXX XXXX  XXXX  XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing Discover in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False Data 87 FR 64689 ( XX/XX/XXXX ) ; referencing XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2024-01-19 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: MI

Complaint narrative:
On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that one piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by Equifax, XXXX, and XXXX, by failing to review all relevant information provided by Equifax, XXXX, and XXXX, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXXXXXX XXXX assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with XXXX, Equifax, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; Facially False 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: NJ

Complaint narrative:
n 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 XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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:
n 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: UT

Complaint narrative:
My loan was moved from XXXX to Aidvantage. I already had dealings with XXXX about how they were incorrectly calculating, but then it was sold/moved to Aidvantage during the pandemic forbearance period. I applied for the SAVE plan as I was on IDR prior to the Federal forbearance period for student loans. I applied for SAVE the MOMENT we were able to apply. I got an update on my Aidvantage portal that my Repaye-to-SAVE had been approved and then a calculation that was astronomically incorrect ( around $ XXXX ). So I reached out to Aidvantage to let them know. They said they were aware of the miscalculation and if I resubmitted my SAVE application, it would be addressed. So I resubmitted my SAVE IDR information. Then I never got an update. So I called back in to see the update. They told me the payment amount should be much lower ( closer to $ XXXX ), but there was no documentation for me to see that online as the most recently documents available still had the XXXX incorrect calculations. She said they were still calculating my SAVE application and it would be done within 60 days. XX/XX/XXXX, I noticed my student loan balance continues to increase, which it is not supposed to do when on the SAVE plan. I contacted Aidvantage AGAIN about this. They said they are still calculating the amount due ( what?! ) and it's a 60-day turnaround. I asked for documentation to be updated and they said there isn't an updated document. I asked if they'd be removing the interest that was accruing on the account as SAVE isn't supposed to have interest accruing and they were the ones that have incorrectly calculated the amounts. They admitted to incorrectly calculating. They said no interest would be removed. After a lot of pushback, they said they'd be willing to remove interest going back to my 3rd ( and most recent ) submittal of SAVE in late XXXX since that was " when I applied for SAVE ''. After even MORE pushback and demanding a supervisor, they admitted that I applied for SAVE earlier ( late XXXX, which was actually the SECOND application after I noticed they messed things up on the first application ). When I was pushing back to get them to look further and how I applied for SAVE EARLIER than that because I had a response from THEM about the update in early XXXX, they disconnected the call. I keep attempting to call and get this updated to no avail. In the meantime, this company is charging me interest, raising the balance owed, and no resolutions in sight for this. 

I'm left with literally no options on how to handle this and have done everything the way I'm supposed to do it. What recourse do we have when financial institutions are allowed to just add more and more without being held accountable to anyone for doing the right thing?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Loan defaulted and went up and outrageous amount. Leaving me unable to pay especially during Covid

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a XXXX XXXX l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-19 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-19 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: NJ

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 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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and there are many fraudulent accounts listed on my credit report. I will list the items attached below. 

When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my 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 explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: CT

Complaint narrative:
PNC has effectively stolen my money. I transferred money from 2 external accounts into their high-yield savings account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received notice that those external transfers were complete, and then PNC revoked access to my account saying that my banks won't release the funds. I received no fraud alerts or anything to indicate something had gone wrong. I called XXXX XXXX XXXXXXXX who said they released the funds, and the funds have been posted to my PNC account. So now my funds are not in my old accounts, and my new account will not let me access my funds. 

I was assigned a case manager, XXXX XXXX ( not sure how to spell the last name ) who left me XXXX voice mail and XXXX email. I called and emailed back. 10 days later, she still hadn't returned my calls or messages. 

My old banks can not recall the funds because they say the funds have already been released, and I can not access my funds because PNC says they haven't been released. I am trapped in a XXXX XXXX of a circular reference. 

DO NOT UNDER ANY CIRCUMSTANCES BANK WITH PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XX/XX/ I submitted a debt validation letter via mail to AssetCare , LLC, seeking clarification and verification of a debt they claim I owe. Regrettably, AssetCare , LLC has not provided a response within the legally required 30-day timeframe. 

Moreover, despite the absence of validation, AssetCare , LLC has persisted in their collection attempts by reporting this debt to credit bureaus. This ongoing action has negatively impacted my credit score and financial standing. 

I believe AssetCare , LLC 's actions are in clear violation of the Fair Debt Collection Practices Act, specifically failing to validate the debt within the statutory period and continuing collection activities during this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I set up a payment with XXXX checking billpay, which uses XXXX to complete the transactions to my Target redcard cc ( in store only ). Target is using confusing and unfair billing practices when it has 2 different rules for accepting payments from XXXX. To allow XXXX have low a amount go through 1 channel of ACH, and " large amounts '' to follow another channel of mailing a physical check. when a person submits a payment to billpay it typically does not give a different scenario based on the amount your are paying the company. It is unreasonable to ask a consumer to figure this out by randomly paying different amounts, or chancing on the knowledge. I do not believe XXXX business days is enough time for a physical check to arrive and be processed, this was out of my control and specifically set up by XXXX 's client TD bank as was explained to me by the XXXX XXXX XXXXTarget is benefiting from this practice as a larger amount will result in higher interest fees and a XXXX late charge. in addition, Target was unable to communicate clearly what was happening. I was told there would be an investigation, but not about how long the fees would be paused. I called back and the phone gives you a balance, saying I owed the late charges + interest, but then conflicted and said I have nothing due, so when I asked the rep. they were unable to tell me if the fees were waiver or only temporarily waiver while under investigation. later I received 2 letters in the mail. 1 stated I would have my late charge of XXXX credited and interest owed. Payment found to be credited from bank on XXXX talked about alternative methods of payments and the importance of paying my bills on time. Found : XXXX XXXX  billpay Mailed a physical check on XX/XX/XXXX  via XXXX decisioning logic, there was no record of payment through many attempts of calling XXXX + Target. delivery was supposed to happen XX/XX/XXXX  for a XXXXXXXX  due date. it is unclear what really happened and if my past late fees had a similar issue with this logic?

Company response to consumer: Closed with explanation