vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
I have been greatly affected by the incorrect credit score reporting by all 3 bureaus, XXXX, Equifax and XXXX. It shows that I was past due on an account from XXXX when this is incorrect. I have mailed XXXX letters and disputed this many times with no success. I have provided bank statements, credit card statements, and any proof needed to show that this information is incorrect. As a result of this, it has now been over a year and I have found myself in poor credit standing for a long time now, this has affected me greatly as I used to have a good credit score and it bought me down by many many points. Financially this has been a burden as good credit standing is very important. I was hoping my many efforts would work but everything has been to no avail. I have even called the credit card company and they have resent all documents to verify that this reporting is indeed incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: FL

Complaint narrative:
I was looking at my credit report and noticed hard inquiries that do not belong to me on there

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 2023-12-12 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: DC

Complaint narrative:
I just received my new credit report for Equifax and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

Equifax XXXX Hard Inquiry too be Deleted XXXX XX/XX/XXXX Equifax Fraudulent Soft Inquiries too be Deleted EQUIFAX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX UP XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/23, I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information reported on my credit report. I provided detailed information on the accounts and highlighted violations made against my consumer report. Attached below are copies of all letters sent. 

It has been more than 60 days since the disputes were submitted, and to date, there has been no response from any of the credit bureaus. 

Specifically, I am concerned about the following violations : Violation of FCRA 623 ( a ) ( b ) : Failure to mark the disputed account as disputed, as required by the Fair Credit Reporting Act.

Violation of FCRA 605 ( c ) : The reporting period seems to be in violation, as the date of last activity on this account is not reflective of the last payment date, as it should be.

Violation of FDCPA 809 ( b ) : Continuous failure to validate this collection account, as confirmed by the FTC opinion, further violates the Fair Debt Collection Practices Act.

These violations undermine the accuracy and fairness of my credit report, and their continuation is concerning. I request an immediate and thorough investigation into these matters and the removal of inaccuracies as required by law. 

Your urgent attention to rectify these issues and respond to my disputes is imperative. I anticipate your prompt resolution in accordance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
On XX/XX/23, I contacted AidVantage, my student loan servicer to understand how I can make a principal only payment on my student loan once my regular monthly payment had been made. I received a confirmation that the request for information was received but I never received a response. So on XX/XX/23, I spoke with XXXX XXXX, Employee ID XXXX who told me that any payments I make in addition to the regular monthly payment will automatically be applied to the principal balance and will not be applied towards the interest. I was very clear that I want all additional payments, above my monthly payment, to ONLY be applied to the principal balance of my student loan. I was assured several times that all additional payments would go towards the principal, not the interest. As a result of this conversation, on XX/XX/23, I submitted an additional payment for {$160.00}. XXXX and see that {$18.00} of that payment went towards interest and the remaining went towards the principal. On XX/XX/23, my automatic payment of {$320.00}, which is double my required monthly payment of {$160.00}, was posted to my account and shows that {$72.00} was applied to interest. 
It is unethical financial practices to not allow people to make principal balance payments against their debts. I have a legal right to payments against my student loan principal balance and AidVantage does not apply barrows to do this and in fact, was misleading about my ability to do this. I am requesting that AidVantage apply all payments previously made and made in the future, in excess of my monthly payment, be allocated it towards my principal balance only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I requested a copy of the original signature from the application be sent to my home address. I am requesting proof that XXXX XXXX allowed to practice debt collections in the State of Florida. This account has been be reported negatively for over seven years. I request on several occasions the reporting history from the opening of this account be sent since 2016. If XXXX XXXX  had the complete file it would show the original Date of the application., Reassignment to collections does not restart the seven year window. Please send a complete file that shows each purchase each month to compute the amount claimed owed.

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 2023-12-14 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: AZ

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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 certified mailed a copy of a police report, and FTC affidavidt along with a letter explaining accounts that are on my consumer report that are a result of identity theft. This letter also included verification of my identity. The law states that the credit bureaus have four business days the block these accounts from my report. The credit bureaus continue to break the law and violate my rights under FCRA by not blocking accounts that are a result of identity theft from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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 certified mailed a copy of a police report, and FTC affidavidt along with a letter explaining accounts that are on my consumer report that are a result of identity theft. This letter also included verification of my identity. The law states that the credit bureaus have four business days the block these accounts from my report. The credit bureaus continue to break the law and violate my rights under FCRA by not blocking accounts that are a result of identity theft 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 2023-12-13 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:
Fact, the truth and Lending Act is intended to inform consumers about the cost of credit. 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 Violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all violations. Fact, the truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be itXXXX 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 Is falsely publicizing an account addressed to me on XXXX, XXXX XXXX Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. 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 published an account they have claimed of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all violations. Fact, Affiant is aware and has proof in attachment labeled as exhibit A that 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 Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt.

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 2023-12-12 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: TX

Complaint narrative:
Left XXXX XXXX with proper notice ( XX/XX/2023 was my last month ) as per their modified terms and conditions, well in advance. Had difficulty as half the time the office is closed in spite of their office hours, but notice was delivered, signed and a copy handed to me well before the 60 day limit. Paid off all remaining bills I rightfully owed XXXX XXXX on the way out. XXXX unfortunately could not be delivered until the day right after my final day because of their inability to follow their own listed office hours. Received notice that I owe an extra month of rent, while attempting to threaten me into paying more. Tried bargaining with me, offered to have me just pay water and other miscellaneous utilities for a whole month instead of rent, but I still refused since its not my fault they cant keep tidy records. 

XXXX XXXX ( currently owned by XXXX ) proceeded to sell this fraudulent debt to Genesis ( Colombia Debt Recovery LLC ) who sent me a letter. Upon calling to alert them of the fraudulent nature of this debt, they talked over me with threats and insults until the call devolved. Their operator ended the call with threats to garnish my wages, and me threatening to contact a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I noticed the address being incorrect, I called the credit bureau to dispute. They said they could not remove it because they were attached to other accounts incorrectly. I called the accounts to have updated. Still no change.

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 2023-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
I asked XXXX for a refund check. I was told a company sent a token to an email that I do not have or exists they sent a card, I do not agree to the terms and condition and now will be waiting for more than another month for the check. This has been over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
Package never was delivered. Packages in my area are coming up missing left and right. Chime dosent wan na dispute and the merchant is giving me a hard time about refund

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/, I attempted to obtain free annual reports from more than 10 of the companies that the Consumer Financial Protection Bureau has listed on their website but I had no luck. Each attempt turned into a process. These processes are why I'm filing this complaint. The personal and private information that these companies have are given to total strangers INSTANTLY. No hassle. No waiting. But when the individual that this information pertains to requests to view it, it becomes a highly secured better have all you t 's crossed and all your i 's dotted process. This is not RIGHT!! People who don't even know me can have access to all the ups, downs, highs, and lows of my life INSTANTLY because they paid the required monthly fee but I have to jump fences and hurdles to gain access to the same information that at the end of the day is nobody 's business but mine in the first place. I mean who gives these companies permission to rummage through court records, arrest records, billing records, insurance records, etc?! I sure didn't! They dig through your personal life and find all the negativity that they can find then have the nerve to put a process in your face when you try and find out what they are telling people about you. It's unconstitutional is what it is!! They shouldn't be allowed access to your personal business in the first place but when you sign a waiver and allow them access, they should provide the information to you as fast as they provide it to the public

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Viking Client Services
State: CA

Complaint narrative:
I prepaid for a rental car through XXXX XXXX - ( a XXXX XXXX ) in late XXXX, 2023 for a 9 day rental. This was a fully prepaid amount to cover the total cost of the car. I was told I had no more charges when I signed off on the agreement at the rental car location ( XXXX XXXX XXXX ). When I returned home I was charged over {$500.00} extra for my vehicle. I have noticed according to a number of reviews of that specific XXXX XXXX that this is a very common practice. I have frequently disputed the charges directly with the company and they refuse to resolve the issue. They have since sent my information to a debt collector - Viking Client Services , LLC. I do not owe XXXX a single cent. They are scamming renters by overcharging them hundreds of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Greetings, I recently received an American Express Business Gift Card for {$500.00} from my employer as a reward for 25 years of service. Payment was declined 3 times for attempted online purchases. The first attempt, twice, from XXXX XXXX XXXX  on XX/XX/XXXX for {$58.00}. I called card services and was told that the card had to be used in a mobile wallet, which is not what the cardholder agreement states. The second attempt from XXXX XXXX on XX/XX/XXXX for {$120.00}. I called XXXX XXXX and their rep tried to run the card manually but it was denied again. I called card services again and they saw no problem with the card and told me that I could use the card as a regular credit/ debit card. The only resolution received from this call was to try other merchants. The third attempt from XXXX on XX/XX/XXXX for {$120.00}. After that, I used my own credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo closed my checking account, savings and credit card accounts in XX/XX/XXXX for no reason and they are refusing to refund my money that was issued to me by an XXXX vendor in the amounts of {$180.00} and {$36.00} for a total of {$210.00}. The XXXX merchant has issued a refund to my Wells Fargo debt card ending XXXX in XX/XX/XXXX and Wells Fargo is refusing to send me my refund after several attempts to contact by phone to open the below claims : Claim # XXXX opened XX/XX/XXXX Claim # XXXX opened XX/XX/XXXX I've contact XXXX and they assured me the refund was issued by their merchant to my Wells Fargo account in XX/XX/XXXX, not XXXX and it has not been returned to XXXX as Wells Fargo has claimed and I have attached the email from XXXX confirming a refund has been issued to Wells Fargo and it is Wells Fargo 's responsibility to issue me a refund check since I no longer have an account with them.

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 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I filed an FTC report for the fraudulent activity on my credit report. Bank of America has flagged my credit report for late payments and charge offs. I have no knowledge of this account. The accounts are 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 explanation