vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: MN

Complaint narrative:
last XXXX I was enrolled in the XXXX program. my payment was around XXXX dollars a month. I missed a document explaining what program I was in and called Aidvantage to find out. I was given the bad advice of re enrolling as a way to determine my program. I did that and my new payment was calculated at over XXXX a month. I have called back several times and each time told it is impossible to roll it back. Finally I was helped by an employee who was able to get my new calculated payment down to the mid XXXX. advantage appears to be refusing to process this. every time I call back, about 4 times now. they claim it is in process and will be updated but I am forced to get a forbearance as my total owed doesn't change. I believe they are purposely not process it to allow the interest to accumulate on my forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
My federal school loans have been serviced by Aidvantage for approximately XXXX  months. My loans are not showing on my credit report. I asked about this and Aidvantage said they only report to the credit bureaus if I go into default. 

In other words, my credit does not benefit when I'm current on my payments but would get hurt if I stopped making payments. 

Why isn't Aidvantage required to report to the credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is reporting information that is fraud.XXXX XXXX is on my transunion account BOTH auto and credit card. Both needs to be removed XXXX XXXX XXXX XXXX. This information has been reinserted multiple times ( 3+ ) XXXX. Never received proper method of validation ( never received a 5 day notice ) XXXX. The last date of activity is incorrect and being updated ever month ( Fraud ) Date of Last Payment : XX/XX/XXXX ( screenshot provided below ) XXXX. XXXX XXXX is not reporting to ALL three credit reporting agencies ( screenshot provided below ). 

XXXX XXXX XXXX XXXX. This information has been reinserted multiple times ( 3+ ) XXXX. Never received proper method of validation ( never received a 5 day notice ) XXXX. XXXX XXXX is not reporting to ALL three credit reporting agencies ( screenshot provided below ). 
XXXX last date of activity is incorrect and being updated ever month ( Fraud ) Date of Last Payment : XX/XX/XXXX ( screenshot provided below ) Its been a year and transunion has not complied

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your organization is in breach! 
According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

15 U.S.C. 1681 Section 604 A Section 2 also stipulates that a consumer reporting agency can not provide an account without my explicit written consent.

Furthermore, as per 15 U.S.C. 1681c. ( a ) ( 5 ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your organization is in breach!

According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

15 U.S.C. 1681 Section 604 A Section 2 also stipulates that a consumer reporting agency can not provide an account without my explicit written consent.

Furthermore, as per 15 U.S.C. 1681c. ( a ) ( 5 ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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:
XXXX XXXX XXXX Balance XXXX  Original creditor XXXX This account does not belong to me and has been listed in error. This account was previously removed from my credit report. It appears it has been sold and relisted.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Sychrony Bank  sold a PayPal Cashback Mastercard  account ( with XXXX different account numbers : XXXX & XXXX ) to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. On XX/XX/XXXX, I was alerted by XXXX that XXXX had reported the collection debt to XXXX in my name ( XXXX XXXX ). I contacted Synchrony to dispute to the collection debt and Synchrony Bank did not approve my fraud claim. I sent a letter ( dated XX/XX/XXXX ) to Synchrony Bank containing evidence to prove that my PayPal account may have been compromised on XX/XX/XXXX, the day the PayPal Cashback Mastercard was approved in my name. I don't recall making any purchases with the card in question, but I did make payments on the card, because I thought I was making payments on my Synchrony PayPal credit account ( # XXXX ), which was closed and paid in full on XX/XX/XXXX. Synchrony has not sent me any documentation to prove that I applied for the PayPal Cashback Mastercard and/or made purchases with the card. I hope CFPB can help resolve this matter in my favor, so the collection debt in the amount of {$3000.00} can be removed from my credit file. Thank you.

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 2024-04-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding negative and inaccurate information in my credit report was submitted on XX/XX/2024, and I have not yet received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: FL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX  business days of receipt,

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/2024 I received a letter in the mail notifying me that a new brokerage account had been opened with Charles Schwab in my name ( Schwab XXXX XXXXXXXX XXXX XXXX XXXX. I did not open this account and am already a victim of identity theft. I called to report and close the account, and was informed that the account had not been fully opened, and was restricted due to the presence of credit freezes on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
This company keeps putting this insurance debt on my record for a address that I dont live at and I keep disputing it they take it off and keep putting it back on

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-04-09 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: Chime Financial Inc
State: MI

Complaint narrative:
Inquiries requested on credit report unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-04-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX, XXXX XXXX  Incorrect Name : - XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX Your organization is in breach! 
According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

15 U.S.C. 1681 Section 604 A Section 2 also stipulates that a consumer reporting agency can not provide an account without my explicit written consent.

Furthermore, as per 15 U.S.C. 1681c. ( a ) ( 5 ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than seven years.

Additionally, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX, XXXX XXXX  Incorrect Name : - XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX  Your organization is in breach!

According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

15 U.S.C. 1681 Section 604 A Section 2 also stipulates that a consumer reporting agency can not provide an account without my explicit written consent.

Furthermore, as per 15 U.S.C. 1681c. ( a ) ( 5 ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than

seven years. Additionally, under 15 U.S.C. 1681s-2 ( A ) (
1 ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.

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 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a dispute to XXXX XXXX on XX/XX/24. Experian never wrote back because of this I need my account removed because Experian is violation the Fair Credit Reporting Act for not responding or processing my dispute.

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