vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 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:
I was informed by my tax preparer that my personal information was lost/stolen by movers during a commercial relocation in 2020. I was advised that she made a police report and I should monitor my information going forward. I placed a fraud alert with credit report agencies. I recently pulled a copy of my report and noticed accounts that I have no knowledge of. The creditors include : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have no affiliation with these creditors and these accounts are not mine. Furnishing accounts to my credit profile due to identity theft is in direct violation of 15 USC 1681c-2. I've contacted EQUIFAX, XXXX, AND XXXX twice to rectify this solution requesting verification of these accounts. 

This information being furnished to my profile is affecting my ability to purchase a home. I also noticed credit inquiries being furnished from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  and XXXX. The inquiries were furnished without my knowledge or written consent which in violation of 15 USC 1681B. 

I also requested that addresses that are not mine, and names that are not mine be removed from my credit profile and I see that they are still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
Dear Consumer Financial Protection Bureau, This is my fourth formal complaint against Aldous & Associates PLLC, with reference to the previously submitted complaints # XXXX, # XXXX, and # XXXX. Despite my previous efforts, the issues with Aldous & Associates PLLC persist, and I am seeking your urgent intervention. 

Despite multiple submissions of evidence clearly demonstrating the invalidity of the debt they are attempting to collect, Aldous & Associates PLLC has failed to address any of the information provided in my previous complaints. The only proof they have presented is a contract from the gym, initiated on XX/XX/2023, while my membership was canceled on XX/XX/2023. This proof has been submitted multiple times. 

Attached, you will find copies of the contract agreement, specifically highlighting subsection XXXX, which outlines the legally binding steps I followed to cancel my gym membership. This evidence clearly invalidates the contract agreement presented by Aldous & Associates PLLC. 

Additionally, I have provided proof from XXXX XXXX acknowledging the cancellation of my membership via email. XXXX XXXX, however, claims they can not provide further information and direct me to Aldous & Associates PLLC, who, in turn, have failed to provide any additional validating information. 

As per the submitted evidence, the alleged debt is invalid, and I have clearly communicated this to Aldous & Associates PLLC in previous complaints and phone conversations. Despite this, they continue to pursue collection without providing any substantiating information. 

This communication serves as my fourth attempt to resolve this matter through the CFPB before pursuing legal action against Aldous & Associates PLLC. I request a thorough investigation into their debt collection practices and an immediate resolution to cease any further attempts to collect this invalid debt. 

I appreciate your prompt attention to this matter and request that you communicate any updates or actions taken. Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: AL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Examine the attached documents. I request the bureau to initiate an inquiry into these accounts, as I am consistently punctual, yet they are inaccurately reported as late.

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 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent. XXXX XXXX stated that they are not reporting this account on my consumer report however XXXX is currently reporting this account

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 2024-01-22 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

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 2024-01-22 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: DE

Complaint narrative:
Kindly update my account this causing me a lot of stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PNC Bank N.A.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX PNC Bank XXXXXXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX Property Address : XXXX XXXX XXXX XXXX, AL XXXX THIS IS A COMPLAINT FOR RETURN OF SURPLUS FORECLOSURE FUNDS THAT PNC BANK STOLE FROM US AND ILLEGALLY APPROPRIATED FOR THEMSELVES. THE SURPLUS STOLEN IS AROUND {$35000.00}. 

Our property on XXXX XXXX XXXX XXXX, AL XXXX was foreclosed on XX/XX/XXXXXXXX XXXX please see attached Foreclosure Deed. 

This Complaint is to seek your CFPB 's assistance so we can receive the Surplus Funds arising out of the foreclosure. 

1. The Foreclosure Deed indicates that the XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) was the highest bidder and paid {$220000.00}. 
2. At the time of the foreclosure, we had an ongoing loan modification application, but PNC ignored it and proceeded with the foreclosure anyway. 
3. At the time of the foreclosure sale, we estimate that we had an outstanding loan balance of about {$180000.00} XXXX. We put a downpayment of over {$90000.00} when we bought this house. 
3. Thus, there should have been Surplus Funds of about {$35000.00} PNC provided an accounting of what happened to the surplus funds- why it was not returned to us. As it turned out, they used inaccurate, unjustified illegal, unsubstantiated and inappropriate additional interest and fees to completely " eat up '' and appropriate for themselves that substantial surplus funds arising out of the foreclosure sale. 

As previously indicated, PNC Bank owes us and should return to us the legitimate surplus funds of about {$35000.00}. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: CA

Complaint narrative:
I was filing my taxes through XXXXXXXX XXXX XXXX and I wanted to set up the credit karma money account to be able to direct deposit my taxes. I have tried for XXXX days to accomplish this and have failed. I have received XXXX different errors from credit karma stating that my info cant be verified and I am not the same person filing my taxes. This is absurd as I have been filing my taxes with XXXX XXXX XXXXor 9 years and have been a credit karma consumer for 9 years. If my info cant be verified the. How was I able to create a credit karma account. I chatted with XXXX from CK chat support and she just flat out to me they cant verify my info and she cant tell me what info cant be verified and I just cant open the account. This makes no sense, their website states if you are having trouble making the account you will have to be manually verified and no one is helping with that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I did a bill pay into my XXXX from XXXX XXXXXXXX XXXX into my XXXX XXXX XXXX account for {$22000.00} on XX/XX/year>. A couple weeks prior to that I did the same type of transaction for {$100.00} which went through as a printed check, the payment of {$22000.00} went through as an electronic payment for some reason and my XXXX does not accept electronic payments. 

I have spoken to XXXX XXXX extensively and they said they processed the payment and they gave me a proof of payment- they can not confirm it was received. XXXX XXXX has no record and researched it and found that the routing number is a CHASE routing number. I can not get anyone at Chase to look into this for me, XXXX XXXX is also not helping me, XXXX is saying they do not have any record of the transaction. Please help. The transaction posted on XX/XX/year> and {$22000.00} was removed from my account and now is nowhere to be found and I am getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AAA Collections
State: SD

Complaint narrative:
I have no idea we're this debt came from every time I call AAA collections they're not helpful with his dad her how I can resolve it without paying so much money that I don't have. I have XXXX children that I got to take care of can provide more info if needed. At the time I think I left my husband who was very abusive and I believe this debt is expired

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 2024-01-22 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: Nelnet, Inc.
State: NC

Complaint narrative:
I made a payment on XX/XX/2024 a day before my due date on XX/XX/2024. Today, XX/XX/2024 I logged on and was told I was past due and needed to make an immediate payment. I also have been making overpayments expecting those payment to go to principal, which they are not and I can not indicate anywhere during payment this is what I want to do. Therefore, my loan balance is growing. This is abhorrent and a complete and utter failure of the student loan system. 

I submitted a complaint to Nelnet, which got no response. I tried calling their customer service where I was placed on hold for XXXX hours with no response. I finally had to hang up because I have a job and can not waste XXXX hours of my day sitting on hold. Not to mention that their servicing hours are only within working hours. I am not wasting my vacation time or risking losing my job to wait on hold for customer service. They need to mark my payment as paid on time immediately, and not have this impact my income driven repayment plan. I have never been past due. 

This is a complete and utter failure of the student loan system. Something needs to be done with the student loan servicer, Nelnet, and the system in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: Nelnet, Inc.
State: AR

Complaint narrative:
I applied for the SAVE repayment plan in XXXX on studentaid.gov, and was told that I was approved for XXXX XXXX monthly payments within a few days. My loan service provider, Nelnet, did not process this on their end, and their website showed that my monthly payment amount was to be XXXX XXXX. I emailed them and asked why my repayment plan did not process on their end. They said I had to submit proof of income, which I did. They then emailed me on XX/XX/XXXX stating my payments would be {$0.00} for the next year. Yesterday, XX/XX/XXXX, I received an email stating that I am past due XXXX XXXXXXXX. I called them today, XX/XX/XXXX, and explained that my payments were to be {$0.00}, as stated in the email they sent me, and according to the information on studentaid.gov. They stated that a couple of my loans weren't processed on SAVE, so they would put me on forbearance until XXXX while they process. I asked what I can do, and they said to just call back and check in a month. 
How is this fair? I am accruing interest on something that should not be accruing, I am told to call back in a month and see if it has processed, and I've been dealing with this since XXXX?? Additionally, they take hours to reach by phone and weeks to reach by email. Truly a terrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MD

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
HAYT HAYT & LANDAU FILED FOR WAGES GARNISHMENT THROUGH MY EMPLOYER onXXXX. DID NOT MAIL ME ANY NOTIFICATION. NOT RESPONDING TO MY CALLS. I had an agreement to make 4 payments to settle debt, last year paid 3 times online, last payment I wasnt able to make online as they blocked my account so last check was mailed. They using unethical methods to target customers..

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 2024-01-22 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 am filing this complaint on my own behalf to address an issue concerning incorrect personal information on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed from my credit 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 2024-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent a lot of letters to XXXX, XXXX, and Transunion on the inaccurate accounts on my credit profile i have ask them in my letters to delete those inaccurate accounts and they did not do it. So looking to the CFPB for your 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 explanation