vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-07 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: MI

Complaint narrative:
I repaid my loans sometime in XXXX and have since had a negative account balance for my subsidized and unsubsidized loans. I have tried contacting my servicer ( aidvantage ) many times since then. When I could not get in contact with anyone I tried contcing the numbers listed on the Federal Student loan website, anybody i got into contact with told me I had to speak to my servicer. I submitted a complaint on said webite on XX/XX/30 and have not gotten any information since the,. i do have a case number but no representative or any new imformation. On my studentaid.gov account it says I still owe {$1.00} on each loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: NY

Complaint narrative:
I was sent a billing statement from Aidvantage my student loan servicer. Statement date was on XX/XX/XXXX. Payment amount is {$840.00}. My account # is XXXX. After I received this bill, I was directed to apply for the SAVE program which could lower this amount. It did lower the amount. It doubled my amount! I can not pay DOUBLE THE AMOUNT OF WHAT WAS FIRST QUOTED TO ME. I can only afford to pay the {$840.00} per month as I am on a fixed income. 

I have contact Aidvantage and they told me they can not reverse this back to my original bill? How is this possible? When the Care Act came into play on XXXX of XXXX my payment at this time was {$780.00}. I am currently under a income driven payment plan and my income has not increased since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
LVNV FUNDING LLCXXXX Transunion has not done a proper investigation according to the standards of the FCRA XXXX I have been disputing this account and Transunion keeps saying they updated the information but the account still remains inaccurate and incomplete. In accordance with the Fair Credit Reporting Act Everything has to be 100 % Accurate on my consumer report. Transunion says they have updated the account however there are still inaccurate information reporting. However, XXXX and XXXX already removed this account from my consumer profile due to inaccuracy reporting. How is it possible the account is accurate and there was a proper investigation if the reported information does not meet XXXX XXXX Compliance standards. Transunion is in violation of USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; Transunion is in violation of XXXX 1681 s-2 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX Certified Mail XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX This is ground for removal from my consumer report. 

This account needs to be removed from Transunion consumer report due to inaccuracy and incomplete information. LVNV account has already been removed from XXXX and XXXX. This account does not comply with XXXX XXXX compliance and legally can not be reported.

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 2023-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I tried to dispute the accounts/inquiries that are fraudulent with all three major credit bureaus ( XXXX, Equifax, and XXXX ) XXXX They would not remove some accounts. I filed a report for Identity Fraud which I didnt know was possible until I spoke to a local Police Officer. I have multiple accounts with varying amounts. One is a XXXX XXXX card that Is reporting {$1300.00}. Then there are two collection accounts that were removed from XXXX but not the others. Those are XXXX XXXX XXXX at {$120.00} and XXXX XXXX at {$140.00}. None of these accounts belong to me and yet they refuse to remove these ALONG with inquiries that were disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Solar Mosaic LLC
State: OR

Complaint narrative:
Mosiac Solar in conjunction with Freedom Forever solar are engaged in ongoing fraudulent behavior. I've attempted for over a year to have freedom either build my project, or return my money. They haven't done any work, and have spent a year gaslighting, ghosting and otherwise operating in bad faith. Now Mosaic is demanding I begin making monthly payments for a solar system that was never installed. 

I've tried numerous times to work with XXXX XXXX and I've tried numerous times to have mosaic cancel the loan, all with no success. I am now being billed payments, and harassed daily to make payments for a {$70000.00} loan agreement on a contract that was never initiated, much less completed. 

Call me crazy, but you can't go door to door selling {$70000.00} pieces of paper and expect to get a monthly payment, yet that's precisely what they are doing. 

I've memorialized all correspondence for a period of over a year. Meaning, I have a file, but I am not including any supporting documentation at this point primarily because I wouldn't know where to begin. I will provide the entire file upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies Transunion, XXXX, & XXXX has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character

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 2023-10-07 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: PA

Complaint narrative:
I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies XXXX, Equifax, & XXXX has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Never done business with the third party attempting to collect this debt. Dont know how they received my personal information. This is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Santander under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Therefore, I am now formally requesting method of verification according to the XXXX XXXX Compliance standards. Any automated response, or XXXXXXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by Santander. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

This account needs to be removed from all 3 consumer reports due to inaccuracy and incomplete information. This account does not comply with XXXX XXXX compliance and legally can not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. never receive written notification of this alleged debt at my address of XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: MOHELA
State: NY

Complaint narrative:
I applied for the SAVE program XX/XX/XXXX. They ( MOHELA ) denied SAVE program XXXX XXXX. They will not say why or give me any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: TX

Complaint narrative:
In accordance with 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 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 information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX  - ending in XXXX XXXX ending in XXXX XXXX XXXX- ending in XXXX has 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 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: FL

Complaint narrative:
This is my second time writing the company Equifax to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also some names on my account that are not mine or spelled wrong on my credit report that needs to be deleted as following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this name is on my account twice which should not be on my credit report twice. ) XXXX XXXX XXXX My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section I do not work at any of the places listed and should not be on my credit report. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My debit card was stolen unauthorized transaction of a total of {$1900.00} was made.I had gotten a check from the irs and then suddenly someone used it on a betting website XXXX  I have contacted Bank of America I made a claim I want it to reimbursed my account was seized I changed everything from passwords to locking my card and requesting to get a new debit card. I have a pending date until to hopefully return my funds back to me. I contacted Bank of America they told me I have to wait 10 business days until then the fraud claim was made on XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-07 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: IL

Complaint narrative:
XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, Dispute this Address XXXXXX/XX/XXXX XX/XX/XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX XXXX, PA XXXX Date of inquiry XX/XX/XXXX FACTUAL DATA Dispute this Address XXXX XXXX XXXX XXXX, PA XXXX XXXX of inquiry XX/XX/XXXX XXXX DEPARTMENT OF EDU Dispute this XXXX XXXX OLD XXXX XXXX XXXX XXXX, NY XXXX XXXX of XXXX XX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX of inquiry XX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XX/XX/XXXX, GA XXXX Date of inquiry XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/XXXX XXXX XX/XX/XXXX Dispute this Address XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/XXXXXX/XX/PAYPAL Dispute this Address XXXX XXXX XXXX XXXX, MD XXXX Date of inquiry XX/XX/ Dispute this Address XX/XX/ERVILLE-TIMONIUMXXXX MD XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: PA

Complaint narrative:
I reviewed my credit report in XXXX of 2023 and seen that all three reporting agencies XXXX, XXXX, & Experian has been reporting multiple accounts in which has been reporting inaccurate information. These accounts has be caused damage to my creditworthiness due to inaccurate reporting. I have disputed these account several times with each reporting agency and they have not resolved these issues. According to 15 U.S.C 1681 there should not be any damages on my consumer report, that is a deformation to my character

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 2023-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have inquiries on my credit report that do not belong to me.

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 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
Ive been disputing this account and is still reporting inaccurate information on my consumer report, please remove this account from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07 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: TX

Complaint narrative:
In accordance with 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.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 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 information is inaccurate

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 2023-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm a victim of ID Theft. Please remove the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2023-10-07 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:
Back in XXXX i reached out to all 3 credit bureaus in regards to 2 frau accounts that do not belong on my files. They are a result from identity theft/fraud. per 15 usc 1681b you all are breaking the law. I did not authorize anyone to furnish this information, let alone FALSE INFORMATION AT THAT! This matter must be resolved properly and quickly because they are hindering me from getting my home. I should not have to suffer for accounts that do not belong to me and accounts that i did nit personally authorize myself.

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