vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I was placed on administrative forbearance after applying for the Biden administration 's new SAVE plan. While I can understand this needing to happen for a month or two, it has been going on since XXXX. It's XXXX now. I'm being charged interest despite being approved for the SAVE IDR MONTHS AGO. I never once consented to being placed on forbearance and had provided all necessary information for the application, but it seems Aidvantage is more interested in keeping me in forbearance so they can charge me as much interest as possible. I don't know what else could cause such a lengthy delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife is the primary account owner of a Citi credit card. My wife added me as an authorized user with my own card. I tried to add my card to my mobile wallet. Because I am not the primary account owner, Citi needed me to dial in for verification. When I called in, Citi did not ask for my information. Instead, they asked for my wife 's information. Specifically, they asked for her security password, they also asked for some of my wife 's account information related to another financial institution. 

I understand that Citi would need to verify the information of the primary account owner. I do not understand why they would prompt an authorized user to call in and supply information that is not theirs. Where Citi is aware that they are speaking with someone other than their customer, and that person is providing them with a security password that Citi knows belongs to someone else, this should immediately cause concern to Citi. Citi should not be encouraging their customers to share their passwords and other non public personal information with other people. Citi should not build verification systems around this practice. This creates a high risk of identity theft and 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) consumer rights to privecy and confidentiality under 15 USC 1681. I Would Like XXXX XXXX XXXX to furnish a 1099c because The account was marked as a charge off they were to send me a 1099c and I have not received a 1099c, and if I don't receive the 1099c they filed within 15 days. and never received one via the mail or anything I will be filing a 3949a with the irs as that is considered tax fraud since I haven't received a 1099c. I would like this account removed from my credit report or furnish the 1099c. continuing to furnish information to my report that by law is wrong charge off is considered income by the irs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to XXXX, XXXX, Experian, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2023, about the spelling of my name. My name is XXXX XXXX XXXX. I told them to delete any other name that is not mines and they have not. Also address XXXX XXXX XXXX XXXX XXXX Tx XXXX is a non-mailable address and should be removed from all of the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

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 2024-01-09 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: NJ

Complaint narrative:
It does not belong to me. It is a fraud! This is causing me a lot of stress and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) consumer rights to privecy and confidentiality under 15 USC 1681. I Would Like XXXX XXXX XXXX  to furnish a 1099c because The account was marked as a charge off they were to send me a 1099c and I have not received a 1099c, and if I don't receive the 1099c they filed within 15 days. and never received one via the mail or anything I will be filing a 3949a with the irs as that is considered tax fraud since I haven't received a 1099c. I would like this account removed from my credit report or furnish the 1099c. continuing to furnish information to my report that by law is wrong charge off is considered income by the irs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I The consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) consumer rights to privecy and confidentiality under 15 USC 1681. I Would Like XXXX XXXX XXXX to furnish a XXXX  because The account was marked as a charge off they were to send me a XXXX  and I have not received a XXXX, and if I don't receive the XXXX  they filed within 15 days. and never received one via the mail or anything I will be filing a XXXX  with the XXXX  as that is considered tax fraud since I haven't received a XXXX. I would like this account removed from my credit report or furnish the XXXX. continuing to furnish information to my report that by law is wrong charge off is considered income by the irs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am in my grace period after graduation. I noticed that XXXX of my XXXX  student loans ( groups XXXX and XXXX ) were accruing interest. They should not be accruing interest while in grace ( e.g. see groups XXXX, XXXX, XXXX, and XXXX, which are correctly showing XXXX interest ). I sent a message to the company and haven't received a response. I'm unable to reach the company by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation
State: ID

Complaint narrative:
Ive had numerous hard Inquiries on my credit report which I havent had access to for over a year. I had a XXXX reported on XX/XX/2023 and then two XXXX reported on XX/XX/2023 and XX/XX/2023. I had a report for a XXXX on XX/XX/2023. I had two reports from ONEMAIN on XX/XX/2023 and then XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone open fraudulent accounts under me with bank of America and i have supporting documents saying that it was not 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to file a formal complaint against Experian for the mishandling of disputes on my credit report, which I believe violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a dispute to Experian via their online Document Upload Form, contesting the accuracy of the following items on my credit report : Bankruptcy XXXX, Bankruptcy XXXX, Bankruptcy XXXX, and an unrecognized inquiry from XXXX XXXX Bank dated XX/XX/XXXX. Additionally, I disputed incorrect and outdated personal information. 

On XX/XX/XXXX, I received notification from Experian to review my dispute results online. To my dismay, the public records remain unchanged, only the personal information was updated, and there was no resolution regarding the inquiry. 

Experian claims that the company reporting the public records certified the accuracy of the information. However, I previously contacted XXXX, the third-party vendor providing public record information to Experian. I received a response from XXXX dated XX/XX/XXXX, confirming they filed a dispute with Experian on XX/XX/XXXX and removed the disputed information from my XXXX file. XXXX also noted that as of the date of the letter, they had not received any response from Experian regarding the dispute. Consequently, it's evident that Experian 's claims of receiving certification from XXXX are questionable. Given that these public records are not present in my XXXX consumer report, Experian could not have received certification about their accuracy. Moreover, Experian 's lack of response to XXXX indicates that these public records are unverifiable. 

I have enclosed copies of my dispute sent to Experian, the investigation results from Experian, and the response from XXXX for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
On XXXX the XXXX XXXX, I received the attached letter demanding money. The demand letter was from Radius Global Solutions LLC. The demand letter was requesting XXXX which is incorrect, and I dispute it in its entirety. The demand letter states that it is for an account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX The person who received service from them according to the demand letter is XXXX XXXX whom I'm not familiar with. This letter demanding money does not belong to me, it is bogus and is fraudulent because, I do not know the person ( XXXX XXXX ) who received service from them on XX/XX/XXXX. In the interest of consumer focus, I am requesting that Radius Global Solutions LLC suspend their collection efforts and close their file. Furthermore, per their contractual requirements, I am also requesting that they close this account and return it to their client for further review. Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Minnesota. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Radius Global Solutions LLC Sincerely, 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent disputes to Equifax consecutively last year in XXXX, XXXX, XXXX, and XX/XX/2023. I have been disputing this for a very long time now, but the credit reporting agencies fail to provide me the description or method on how they verified this account. They are reporting items on my credit report that are not 100 % accurate. The information that they are reporting is defaming my character and these allegations have effected my life. I can not get approved for a home loan, credit cards nor a car loan due to the false information. 

This is the account that is not reporting accurate : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit repor

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX  # XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i was a victim of the XXXX data breach. i want these items deleted from my credit reports as you can see, the XXXX actually deleted them, because i was a victim of this data breach. Here is the proof that i was in fact a victim of this XXXX XXXX breach.PLEASE DELETE these items below immediately as i was IN FACT a victim of this XXXX XXXX breach. 
XXXX XXXX XXXX XXXX Under dispute Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XX/XX/XXXX. XXXX XXXX  XXXX {$5900.00} XXXX Account charged off. {$5900.00} past due as of XX/XX/XXXX. XXXX XXXX  XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX  Balance {$21000.00} Status Account charged off. {$21000.00} written off. {$21000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX  Balance {$16000.00} Status Account charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX  XXXX XXXX {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of 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 explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a Vanilla Visa Gift card in the amount of {$100.00} as a gift and when I activated it and tried to use it, the card was declined on XX/XX/XXXX. I set a Pin for it and still was not able to use the card. I then found out the card was used at a XXXX store by another party and requested a replacement card on XX/XX/XXXX. I was told a replacement card would be sent to me within XXXX and still now on XX/XX/XXXX, I still have not received my replacement card. I spoke with XXXX XXXX today and I was given the same fake information of a replacement card would be sent. After XXXX phone calls and no replies to the numerous emails I have sent to XXXX I need help. 

Card # XXXX XXXX XXXX XXXX Security Code XXXX XXXX. CARDHOLDER INFORMATION XXXX XXXX XXXX XXXX Ticket/Case Number : XXXX Physical Address : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Contact Number : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
AN ACCOUNT WAS OPENED WITH MY INFORMATION ILLEGALLY AND AFTER REQUESTING VERIFICATION AND VALIDATION OF THE FRAUDULENT ACCOUNT FROM ALL THREE CREDIT REPORTING AGENCIES AS WELL AS CALLING THE " CREDITOR '' of the ACCOUNT IT IS CONTINUING TO BE REPORTED TO THE CREDIT REPORTING AGENCIES AGAINST THE LAW AND WITHOUT MY AUTHENTICATION AND CONSENT CAUSING ME HARM, FINANCIAL INJURY, AND MENTAL ANGUISH OVER THE HARASSMENT AS WELL AS THE FRAUDULENT ACCOUNT ILLEGALLY BEING SOLD TO A THIRD PARTY XXXX XXXX IS WHAT THE LETTER SAYS I SENT A LETTER REQUESTING THE VALIDATION PER 15 U.S. Code subsection 1681a-x and the letter attached is how XXXX RESPONDED NO PROOF HAS EVER BEEN PROVIDED TO ME ABOUT THE VALIDATION OF THIS ACCOUNT AND I HAVE REQUESTED IT'S REMOVAL MULTIPLE TIMES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
AN ACCOUNT WAS OPENED WITH MY INFORMATION ILLEGALLY AND AFTER REQUESTING VERIFICATION AND VALIDATION OF THE FRAUDULENT ACCOUNT FROM ALL THREE CREDIT REPORTING AGENCIES AS WELL AS CALLING THE " CREDITOR '' of the ACCOUNT IT IS CONTINUING TO BE REPORTED TO THE CREDIT REPORTING AGENCIES AGAINST THE LAW AND WITHOUT MY AUTHENTICATION AND CONSENT CAUSING ME HARM, FINANCIAL INJURY, AND MENTAL ANGUISH OVER THE HARASSMENT AS WELL AS THE FRAUDULENT ACCOUNT ILLEGALLY BEING SOLD TO A THIRD PARTY XXXX XXXX IS WHAT THE LETTER SAYS I SENT A LETTER REQUESTING THE VALIDATION PER 15 U.S. Code subsection 1681a-x and the letter attached is how XXXX RESPONDED NO PROOF HAS EVER BEEN PROVIDED TO ME ABOUT THE VALIDATION OF THIS ACCOUNT AND I HAVE REQUESTED IT'S REMOVAL MULTIPLE TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: NM

Complaint narrative:
Someone has used my information to obtain a utility in my name, in a state in which I do not reside. The utility company is XXXX XXXX. Delinquent amount is {$2200.00}, obtained XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Cap One Auto has reported an account on my credit report without my written or verbal consent and the account is listed as ( XXXX XXXXCollections ).. In Pursuant to Title 15 1681c ( a ) no charge offs should be published on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: MD

Complaint narrative:
In XXXX I was repeatedly contacted by multiple collections companies for a {$360.00} telecommunications bill with XXXX that was incorrectly applied. I closed my account years before and paid all outstanding bills with another company. Almost every time I requested information in writing, they would transfer the debt to another company, meaning a new company would call me. When I did receive records in writing, they did not include all payments that I made. The final time I received a call, I asked for their contact information and the person hung up on me before saying anything else. Unfortunately because this was so long ago, I don't have a record of that call. XXXX, with whom I had my contract, no longer exists, either. However, I didn't hear about the debt again until today, XX/XX/2024 from a company called XXXX XXXX. XXXX XXXX informed me that they " are trying to collect a debt that you owe to Jefferson Capital Systems , LLC. '' I would like to file a complaint against Jefferson Capital Systems , LLC for harassing me, failing to submit paperwork in writing, then passing this claim to another agency. 

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX

Company response to consumer: Closed with explanation