vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-03 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-12-03 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
So i am requesting that a verification of debt be sent, as the signed contract of ownerships of debt, and the itemization of debt which is being claimed to be owed. 

Company claims they are working on behalf of apartment complex that states there was an unpaid balance. There was no formal notice of debt and there is also no information given pertaining to the debt because there was no itemized receipt that was generated as an invoice from the vendor that were used. They took my security deposit as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Request for Proof of 1099-C and Removal of Debt from Credit Report I hope this letter finds you well. I am writing to address a matter regarding the debt listed on my credit report, account number [ XXXX ], which was discharged and subject to a 1099-C issuance. As per my records, I received a 1099-C for the aforementioned debt, indicating that it was discharged. However, despite this, the debt is still being reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the 1099-C that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its discharged status. Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, I respectfully request that you promptly remove the debt from my credit report. Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: MD

Complaint narrative:
Aidvantage has involuntarily removed me from automatic payments on several occasions over the past few years, thus suspending the 0.25 % interest rate deduction on all of my loans for automatic payment and involuntarily increasing the interest charged on my loans. I have had to re-enroll on these occasions, paying more interest than I should be from some unknown/unspecified date. 

On XX/XX/XXXX, I received a series of letters dated XX/XX/XXXX from Aidvantage telling me that all of my student loans were being automatically enrolled in an in-school deferment and I was suspended from the automatic payment program, that my interest rate deduction was suspended and back dated to XX/XX/XXXX! 

While I did XXXX in XXXX, I verified via a phone call in XXXX that my past loans would remain in repayment status and I would continue to make automatic payments on all those loans, which I did, with my last automatic loan payment being processed on XX/XX/XXXX. 

I have spent the last 2 days trying to resolve this issue. Per a letter received from Aidvantage, they will be processing a removal of the deferment, which they list as happening on XX/XX/XXXX, but they will not be reinstating my automatic payments until XX/XX/XXXX! " The deferment or forbearance on your loans listed below will end on XX/XX/XXXX. XX/XX/XXXX As a result, your payment of {$660.00} will be automatically debited from the designated checking or savings account beginning on XX/XX/XXXX. '' I have tried consistently to pay my student loans, to have them enrolled in automatic payments to reduce the interest rate, and Aidvantage has done everything they can to thwart my repayment and to not only charge extra on my loans by periodically removing me from automatic payments, but also by retroactively removing my automatic payment interest rate deduction retroactively, months after payments have already been made! 

I have worked with the reps in the past and have tried to attribute the issues to issues with their systems, but this is outrageous. I am sure I am not the only one being preyed upon by these " system glitches ''. 

In addition, I recently tried to pay the interest accruing on my XXXX new student loans, and Aidvantage misapplied my payments to the principle while still charging me interest on the full orignal balance. The rep I spoke to kept insisting that my payments were applied to the interest, but that the principal balance would be reduced instead of the interest accrual amount. 

After that conversation, it became clear that Aidvantage is purposefully misapplying payments and erroneous interest rate calculations to prey upon student loan recipients who either don't have the time or the ability to untease all the illegal " system glitches ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
There are XXXX credit cards that I never opened after XXXX I became XXXX and very sick I am shocked that the information like amounts owed type of card and balance are not the same over the XXXX XXXX XXXX XXXX XXXX does not even show or have information reported as far as balance charges XXXX XXXX reports XXXX card active and also written off the information on the XXXX or XXXX accounts are being disputed so what is unfair is Im trying to show that XXXX XXXX  reports on these cars are not complete with missing information Ive called all of the fraudulent cards and they told me to XXXX you please look at the missing and wrong information on these card thats because there not opened correctly I have been involved in XXXX data breaches since XXXX please help me get these fraudulent accounts off my credit report Im very sick and would like to have this corrected I deserve to have them delivered off my credit report the simple fact that there is so much missing information alone is wrong thank you so much Im also a XXXX vet and I have a lawyer working for me to help with these XXXX fraudulent accounts and the fact that trans unions reports has so little information alone should be enough to clear them off my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : CAINE & WEINER COMPANY INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXX  XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: CA

Complaint narrative:
My ex girlfriend opened a bunch of stuff in my name, please take off the following accounts from my report. They are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Marcadis Singer PA
State: FL

Complaint narrative:
I am currently being sued by XXXX XXXX XXXX XXXX and legal counsel XXXX XXXX XXXX in XXXX separate cases. In neither case did I receive a notification of assignment from plaintiff as required by Florida law under the Florida Consumer Collection Protection Act, in order to move forward with a lawsuit. Nor did I receive a written notification of debit, validation letter of debit or a verification letter of debit as required by the FCCPA and FCRA as well. Neither of the lawsuits contain any personal identification information i.e. DOB, SSN or full legal name. Neither lawsuit contain any factual or legal information about the alleged loans themselves. Neither suit contained any repayments of loan as required by the FCCPA and FCRA. Furthermore the only personal information that Plantiff and counsel have was retrieved from my XXXX  Credit report. There is also nothing on my credit report about the two alleged loans either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am writing to request a discharge of all student loans held and serviced by Navient due to the deceptive practices, misrepresentation and failure to provide proper guidance regarding my loan repayment options by Navient. The company did not provide me with the proper guidance but instead steered me away from repayment plans that would assist me in making affordable and loan forgiveness eligible payments, repeatedly encouraging me to enter into deferment or forbearance. As a result, I have experienced years of financial strain, I have struggled to meet my financial obligations and my loan balance have balloon based on capitalized interest. 

I believe I am entitled to a discharge of all related debts fully, I am asking that all related debts be discharged as these deceptive practices perpetuated by Navient have caused significant mental distress, long-term and unjust financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: OH

Complaint narrative:
I am attempting to log into Experian 's portal via an established username and password. I am attempting to update this information as some of it has recently changed. When attempting to login to Experian 's portal I am told to input my phone number to receive a passcode to login. No text message, or call, is ever made to my number despite it being on file. I have attempted to call their customer support line multiple ( minimum of five ) time. I have also attempted a different number in an effort to speak to an agent who directed me back to their automated system which was unable to resolve my issue and ultimately closed the call on me when asking to speak to a human representative. I am extremely dissatisfied with their customer support and need to access my account to remove a credit freeze/lock urgently. I have been left with no other course but to pursue federal assistance in getting access to my account, account information, and credit controls. 

I have provided my address, recent addresses within the last 5 years, phone number, social security number, date of birth, and other personally identifiable information in an effort to get this issue resolved and have yet to be able to even attempt to resolve the issue. 

I have also attempted to create an account, to ensure that I did have an account with Experian, and was informed that one already existed with the information I was providing.

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 2024-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In XXXX of this year my wife and I received a mailer from PNC Bank stating that if we were to open a Virtual Wallet, with direct deposit, that we would earn {$400.00} towards our account. On XX/XX/XXXX we also received an email with the same information. The promotion stated that the account had to be opened between XXXX and XXXX, we opened our account on XXXX  At the time of opening the account we provided the bank employee with the flyer for the promotion and were told that it would apply towards our account seeing as how we had met all of the criteria for the promotion. 

About XXXX weeks ago my wife was told that we would not be receiving the {$400.00} because there was no evidence that we had received a mailer for the promotion. My wife informed the bank that the mailer was provided to the bank employee who also wrote down the promotional code provided. It is now XXXX and the bank still will not honor their promotion. Additionally, we sent them a copy of the email sent to us with the same promotional information as was provided on the mailer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Request for Proof of XXXX and Removal of Debt from Credit Report I hope this letter finds you well. I am writing to you to talk about a matter regarding the debt listed on my credit report, which was XXXX and subject to a XXXX issuance. Per my records, I received a XXXX for the above debt, indicating that it was XXXX. However, despite this, the debt is still being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the XXXX that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its XXXX status. Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, I respectfully request that you promptly remove the debt from my credit report. Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-03 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: AR

Complaint narrative:
statement of pertinent facts Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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 2024-12-03 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: CA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been reaching out to Equifax since XXXX asking for incorrect information, addresses, names and phone numbers.As recently as XXXX, XXXX and XXXX, XXXX and XXXX I emailed and called there Executives.Including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and several others. I have the copies of each email and recordings of each voicemail and each letter I sent that went unanswered.The only response I have gotten is to send the information in.Which I have done also and have copies of all the letters. Sending it in, emailing or calling they refuse to correct any information, yet I gave a colleague their email addresses and they fixed her issue that day. I have asked her for a copy of the email that shows them immediately contacting, apologizing and resolving her issue., I have been going through this with them for almost 7 years and it is being done intentionally. I sent proof to them when accounts were compromised and mines was one of them.Nothing was done.I lost over XXXX points off my credit score and continue to do so and they continue to intentionally do nothing. I have media reporters that taped my voicemails left for the executives and the media conferenced calls and they didnt respond. The media has agreed to do a investigation as this is definitely prejudiced against my race and or sexual orientation. This is inexcusable and being done intentional to cause me harm mentally, physically, emotionally and financially. The other agencies have updated my credit but I still have not got my score back to where it was because of this inaccurate information and there refusing to resolve it.

Company response to consumer: Closed with explanation