vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2024-01-09 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: GA

Complaint narrative:
I have been attempting to make a ~ {$22000.00} payment toward my student loan balances since XX/XX/XXXX with AidVantage. I first made the payment using my online account with my checking and routing number. This is the exact same checking and routing number associated with my account that AidVantage successfully pulls monthly autopayments from. I received a confirmation email with confirmation # XXXX for the amount of {$22000.00} on XX/XX/XXXX. I waited XXXX weeks to allow for processing time, but the funds were not pulled from my checking account and nothing was adjusted on my loan balance, so I called AidVantage. They said they did not know what happened to my large payment. They suggested I call my bank or wait longer for processing time due to high volume of payments. I called XXXX Bank, and they said they have no record of this payment at all on their end. They also assured me that they would have no issue processing this payment as the funds are sufficient and that the account and routing numbers are correct. They said I did not need special approval for this amount. They said this is an issue on AidVantage 's end. I called back to AidVantage after more time passed and the payment still had not processed. They could not tell me where the original payment went, but they suggested I make a new payment over the phone. I paid over the phone on XX/XX/XXXX. I received a confirmation email with confirmation # XXXX for the amount of {$22000.00} on XX/XX/XXXX. They assured me that this method would be successful. I waited XXXX weeks to see this reflected on my account, and nothing ever changed. I called back again on XX/XX/XXXX. I spoke with a variety of people regarding my issues, called XXXX Bank again to verify that there was no issue on the bank 's end, and ultimately spoke with a supervisor. The supervisor, XXXX, processed a new payment over the phone for a total amount of {$22000.00}. I again received a confirmation email and confirmation # XXXX on XX/XX/XXXX. It is now XX/XX/XXXX, and I had to call AidVantage again because nothing has been processed. They said they will have to conduct an investigation to see what is happening to the missing payments. I will receive notification on XX/XX/XXXX regarding the status of the investigation, but they also suggested I mail in a check for {$22000.00} to resolve the issue. I do not feel comfortable mailing a check for that amount. The checking and routing numbers are successfully associated with my account, and they draft regular monthly autopayments from the exact same account. I do not understand why they will not process the ~ {$22000.00} amount to clear some of my loan balances. I am accruing interest every day on these loans, and it has been incredibly frustrating to receive no explanation or assistance with this from AidVantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CB1, Inc.
State: MT

Complaint narrative:
I received a collections notice from CB1, Inc., saying I owed a debt of {$790.00} to XXXX XXXX XXXX. I have never retained XXXX XXXX for anything, not for myself, nor do I have any dependents. How they even came to get my contact information is unbeknownst to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Self Financial Inc.
State: IL

Complaint narrative:
I am writing this request to SELFINCXXXX that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
In XXXX of XXXX  I was robbed. The thief using my banking information to set up a prepaid PayPal debit card connected to my bank account, which they used to make transactions. I contacted PayPal at that time to report the fraud and request that the card be frozen.

There is a {$25.00} balance outstanding from this time which PayPal has sent to a collections agency XXXX. When I reach out to them to advise this is fraud, they just tell me that the issue is under dispute with my financial institution and I need to follow up with them. Meanwhile the debt is with a collections agency. 

I should not need to pay this debt and I should not risk damage to my credit score from collections. 

The dispute case ID is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: FL

Complaint narrative:
I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help

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 2024-01-09 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: NY

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking LitigatioXXXX. Please delete at once. 

XXXX XXXXXXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX XXXX XXXXXXXX XXXX XXXX  - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: PA

Complaint narrative:
On XX/XX/XXXX I mailed XXXX a letter letting them know of violations regarding my personal information and that it is in direct violation of the Privacy Act of XXXX. 

Attached is a copy of that letter along with my consumer report as proof of violations.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I mailed XXXX a letter letting them know of violations regarding my personal information and that it is in direct violation of the Privacy Act of XXXX. 

Attached is a copy of that letter along with my consumer report as proof of violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: IN

Complaint narrative:
I am a victim of identity theft. An identity thief that occurred through multiple data breaches that I was notified of by XXXX. Upon the first notification last year I began noticing accounts, loans and different inquiries on my credit reports that were not mine I also noticed charges to my accounts that were not made by me. I reached out to these companies and credit bureaus making them aware that all my personal data, personal information including address and social security number and banking information was taken within the span of several years from several different branches one from a medical company where my information was stolen and another from my mortgage company XXXX XXXX. I told them I did not know who used my personal information without my permission to open an account and make purchases with these accounts the debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report to these companies several times I also have a police report now. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 
Delete : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all non-account inquiries as I did not authorize these inquiries and they were done without my authorization. 

Also I provided proof of documents that I feel are important especially if the companies like XXXX are saying they verified me by information but they also said they verified another person via information yet this person does not reside with me nor have I ever heard of this name but they mailed out a letter to my house with this person 's name on it saying they verified them, they need to remove all accounts from my credit report asap.

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 2024-01-09 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: IN

Complaint narrative:
I am a victim of identity theft. An identity thief that occurred through multiple data breaches that I was notified of by XXXX. Upon the first notification last year I began noticing accounts, loans and different inquiries on my credit reports that were not mine I also noticed charges to my accounts that were not made by me. I reached out to these companies and credit bureaus making them aware that all my personal data, personal information including address and social security number and banking information was taken within the span of several years from several different branches one from a medical company where my information was stolen and another from my mortgage company XXXX XXXX. I told them I did not know who used my personal information without my permission to open an account and make purchases with these accounts the debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report to these companies several times I also have a police report now. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify [ the business where the account was opened ] and tell them the debt is the result of identity theft. 
Delete : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all non-account inquiries as I did not authorize these inquiries and they were done without my authorization. 

Also I provided proof of documents that I feel are important especially if the companies like XXXX are saying they verified me by information but they also said they verified another person via information yet this person does not reside with me nor have I ever heard of this name but they mailed out a letter to my house with this person 's name on it saying they verified them, they need to remove all accounts from my credit report asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing this request to BK OF AMER that I have been a victim of identity theft and I want to dispute specific records in my credit file that is fraudulently reporting on my credit report. The account I have been challenging is the result of the fraudulent information that is damaging my reputation. and I want all the information in my credit report to be accurate. I have attached a copy of the FTC report to support this complaint with the report number 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 2024-01-09 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to dispute the denial of my credit card application by American Express and to request a reconsideration of this adverse action. My application was submitted in good faith, and I believe the denial is unjust and discriminatory. 

I am asserting my rights under federal law, specifically 15 USC 1602, as the original cardholder and holder in due course. The adverse action has caused financial hardship, compounded by unauthorized credit card use post-denial.

I demand a prompt resolution and the reopening of my credit accounts, as well as rectification of the adverse action on my credit report. Failure to address this matter may result in further legal actions, and I am prepared to file a formal complaint with the Consumer Financial Protection Bureau and the Attorney General if necessary. 

Thank you for your immediate attention to this matter. I expect a timely response and resolution. 

Sincerely, XXXX : XXXX the date of this letter written to them was XX/XX/2023 and I have yet to hear from american express regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I lived at the XXXX at XXXX XXXX and lost my job at the time of living there. they advised that i can get out my lease and it will not hit my credit and that I had time to pay for the debt that was owed. They also advised that it will not show up on my credit at all and they will treat it as a move out. This happen in the year of 2022 as I also lost my father and had to pay for services. I did not receive anything that states that I owed them or that it was on my credit as a broken lease. I did not recieve no information from the credit collection company and they have not still reach out or I do not know who to reach out too.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The Chase charge off that's on my credit report. I had my attorney send letters asking them for the original application for that account showing that I personally guaranteed for the XXXX Credit Card, banker stated to me it was a no XXXX XXXX credit card. The bank did not respond back to what we had asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank ( citizensbank.com ) sent directly to me via email on XX/XX/2023 the following offer... 

" Start saving monthly with a first new One Deposit Savings from Citizens account, and earn a {$50.00} bonus1 getting you one step closer to a getaway, wedding, car, college, emergency fund, or whatever your goal may be. 

Heres how it works Make monthly deposits of {$100.00} or more each month for three months in a row, starting the month after the account is opened. While maintaining those balances within the account, Citizens will add a {$50.00} bonus to your checking account in the fourth month. " I read the fine print, I completed the tasks, and waited to receive the bonus on XX/XX/2023 which is the date the payment was supposed to be made according to the offer. 

They originally stated it would be paid on XX/XX/XXXX, then on XX/XX/XXXX, they tell me since XX/XX/XXXX was a Sunday and XX/XX/XXXX is a holiday, that it will be paid on XX/XX/XXXX. Why not pay it on XX/XX/XXXX or XXXX or XXXX? It's now XX/XX/XXXX and still no payment. Spent at least 1 hour and 20 minutes on a phone call with multiple employees plus additional minutes on online chat with multiple employees to resolve, still not paid. I see other people on XXXX mentioning " bonus '' problem so perhaps this {$50.00} bonus offer was a scam that they have no intention of paying. 
It's also possible they have an incredibly incompetent team. I found additional phone numbers listed in my account that were never mine, so they must have done some batch database transactions that conflated information from different accounts, and evidently, they have no proper procedures to handle personal information, because if they did, there would be no way random phone numbers would appear in my account.

Company response to consumer: Closed with monetary relief