vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: NY

Complaint narrative:
According to FCRA 605B, it's necessary to eliminate any inaccuracies from my credit report. I've noticed an error in my credit file, please rectify this. I'm entitled to {$1000.00} for each incorrect entry.

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 2024-05-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Moore Legal Group, LLC
State: NJ

Complaint narrative:
I am contacting you to register a complaint against Moore Legal Group doing business as Meadowbrook Legal Group, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX, XXXX. 

I found myself over my head in debt and met with a notary public named XXXX XXXX on XX/XX/XXXX, and at this time came to an agreement on a debt remediation plan. Under the terms of this agreement, Meadowbrook was to contact the creditors from a list I supplied and set up a payment plan administered by them to satisfy my debt with each creditor. Under the terms of this agreement, I was to make bi-weekly payments of {$600.00} from which they would withdraw administrative fees with the remainder placed in escrow to be applied toward my debt. I ceased making payments on XX/XX/XXXX when I realized the scope of the fraud being committed. In that time period, which spanned over 1 year, Meadowbrook withdrew AMOUNT in fees while only placing {$3500.00} in an escrow account. During this period, Meadowbrook did not contact any of my creditors to negotiate a payment schedule as outlined in their contract with me. The result of this is, that I am not only in collections with each of the creditors from the list I supplied them, but my debt to each of them is far greater than it initially was due to compounding interest on the initial balances. Meadowbrook has yet to respond to any inquiries and in fact, will rarely answer the phone. They have defrauded me of {$10000.00} by providing none of the services agreed upon. After many calls to Meadowbrook and waiting on hold for hours, I recently recovered the funds in escrow and will need to develop another plan to stave off financial ruin. I have recently looked at their reviews on XXXX and every reviewer reports the same results I have experienced indicating mine is not a one-off situation. 

Meadowbrook Legal Group preys on individuals at their most vulnerable moments and exploits them for financial gains by providing none of the services they promise while siphoning off the vast majority of funds received for personal enrichment, this is not ethical and I can not see how it could be legal. My hope is that your office can provide guidance on the recovery of fees taken from me and possibly have their business operations shut down. 

Please help by providing any assistance/guidance possible.

Company response to consumer: Untimely response
Consumer complaint received 2024-05-16 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:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

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 2024-05-16 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: MI

Complaint narrative:
You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.

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 2024-05-16 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-16 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: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-05-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
As a diligent consumer, I have been meticulously monitoring my credit report to ensure its accuracy and integrity. However, I have recently encountered concerning discrepancies related to Williams Rush & Associates, an entity whose presence on my credit report lacks clarity and legitimacy. 

The primary issue at hand revolves around the fluctuating amounts attributed to Williams Rush & Associates on my credit report. Despite my efforts to maintain a meticulous financial record, the figures associated with this entity have been consistently changing, leading to confusion and frustration. These erratic adjustments not only undermine the reliability of my credit report but also cast doubt on the integrity of Williams Rush & Associates ' reporting practices. 

Furthermore, I wish to highlight the absence of any contractual agreement between myself and Williams Rush & Associates. To the best of my knowledge, I have never entered into any form of agreement or engagement with this company. Therefore, their presence on my credit report is not only erroneous but also lacks a legal basis. 

This lack of a contractual relationship raises significant questions about the legitimacy of Williams Rush & Associates ' claims and the basis upon which they are reporting information to credit bureaus. Without a clear contractual agreement or authorization from myself, their actions appear unjustifiable and potentially in violation of consumer protection laws. 

In light of these concerns, I am taking the necessary steps to address and rectify the inaccuracies present on my credit report. I intend to dispute the information attributed to Williams Rush & Associates and request a thorough investigation into the matter to ensure the integrity and accuracy of my credit profile. 

It is imperative that credit reporting agencies uphold the highest standards of accuracy and fairness to safeguard the financial well-being of consumers. I trust that this issue will be promptly addressed and resolved to restore the integrity of my credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: CA

Complaint narrative:
I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Technology Federal Credit Union
State: AZ

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

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 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America complaints process. Company incorrectly charged me for purchase on XX/XX/XXXX for XXXX. I reached out to company who acknowledged issues with system but never refunded. Reached out to bank of america to dispute on XX/XX/XXXX. The associated informed me that because I did not authorize, it should be a fraud dispute. As I intended to make the purchase but the purchase was declined due to a system error I stated my skepticism, but proceeded as advised. The claim was later denied because it should not have been filed as fraud. I called the bank to dispute this, to which I was told it was being reopened and escalated. I called the next day caus I have no word on how it was proceeding and was told it was not escalated and I needed to fax info. I did, but not escalation occurred. After 3 weeks, I called again on XX/XX/XXXX. I was told that things may be delayed. I called again on XXXX after the holiday and delay and was told an escalation occurred 2 hours before my call, meaning that it took 3 weeks to process the intiial escalation. I was told a decision will be made in 24 hrs. I called back in 24 hrs and told it would be another, 24 hrs. I waited and called back the next week and was notified that my claim had actually not been escalated and was in the same place. Called later an an associate on XX/XX/XXXX told me that the best course of action was just refiling the claim correctly. Trusting this advisement, I did. He filed the claim for me and I received my credit. Today, XX/XX/XXXX, I was informed that the claim was denied because it was beyond the period for filing a claim. As the previously claim was withdrawn under advisement of the associate from XX/XX/XXXX, Bank of America is offering no legal remedy to funds they guarantee to insure.

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 monetary relief
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
I received a notice from Mohela that my autodebit amount was updated and after reviewing my account, I noticed 8 of my 9 loans were placed into a forbearance so the amounts due for the 8 loans was removed from my autodebit amount. I contacted Mohela and after researching they were unable to determine why my loans were put into Forbearance and indicated sometimes the system does that. They advised it can take up to 62 days to have the forbearance removed. When I asked to submit a complaint about the process because I think they need to research their system to understand what the root cause of the system was, the agent advised she did not have the ability to submit one and I had to wait for a call back from a supervisor for that. I find that a little concerning because individuals should be able to file a complaint without waiting for a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 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: NE

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-16 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: FL

Complaint narrative:
I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.

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 2024-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
XX/XX/2017 an account was open from XXXX XXXX XXXX under my name XXXX XXXX. They have put it under fraud since I did not open this account or have any knowledge of it till the debt collector called me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo published the benefits of earning 4x points for merchants with XXXX XXXX XXXX XXXX  ( XXXX ). I opened the card to purchase air tickets. I spent almost XXXX dollars to buy air tickets from XXXX XXXX with an XXXX of XXXX. However, Wells Fargo told me that the merchant is a merchant and is not recognized as an airline. When I cross-referenced the XXXX, XXXX, and XXXX XXXX XXXX list, any numbers in XXXX represent individual airlines. Right now, Wells Fargo is not rewarding me almost XXXX points as it advertised due to its old system.

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 2024-05-16 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-16 00:00:00
Product: Credit reporting 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I chose this category because it was closest to my definition, but its not an exact match. 

I suggest that the credit score methodology used by Experian ( mine, recently as of XX/XX/year> ) is detrimental to me and similar customers, because it focuses on a vague definition of Percentage of Credit Usage to calculate an overall risk assessment ( credit score ). 

Specifically, I use a credit card ( a XXXX, for example ) for every purchase, every day. This results in an unacceptable level of Percentage of Credit Usage, according to Experians algorithm. 

I do this because I receive a cash rebate ( twice a year ) based upon my total purchases. Hence, I have an incentive to use the card for EVERY purchase ; they all count towards this incentive. 

However, I manage this credit usage and pay my monthly balance EVERY MONTH. My payment history reflects a XXXX balance every month, for many years, despite running a high balance. 

My contention is : my Credit Score does not reflect that my risk or non-payment is very low ( I have other assets, as needed to draw from, if necessary ). 

The Experian algorithm ( and probably the 2 other credit agencies, as well ), does not consider : 1. Is high credit usage rate a frequent pattern?

2. If so, how frequently is the balance paid off?

3. If the balance is consistently paid-off, does this demonstrate a pattern of sound financial management?

4. Even if the credit usage rate is high, does customer have other assets to draw upon to reduce credit balances? 
5. If so, should the customer receive a higher credit score for consistently sound credit usage? 

In my case, my Credit Score is XXXX, which is lower than I should expect for years of sound payment history. This was recently reflected when I applied for a car loan and received a lower than best loan percentage rate because of High Credit balances. 

Again, I contend High Credit Balances should be viewed within a larger context of using available credit in a logical manner to manage finances.

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