vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: WV

Complaint narrative:
I filed for a provisional credit and they did not resolve within 10 business days and tell me they don't have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I was just checking my credit report because Im working on fixing my credit since Im planning on buying a new home. Then I see the Genesis debt and I tought it was hospital bills and I remember I saw this genesis debt always sending me emails but, I ignored them since I know now the scammers do anything. Then since I saw it on my credit report I called them to know whats going on and they told me it is from the XXXX XXXX and I dont even know where that is and the guy told me that I lived there and owe them 2 months and I was XXXX off because how can I lived somewhere I dont even know? And he told me I can dispute it if I believe its a false information then I said yes I would love to. And thank you in advance, I would like to dispute this false information. I have never lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: PA

Complaint narrative:
I am initiating a formal complaint with the Consumer Financial Protection Bureau in response to an ongoing concern pertaining to my credit report. The crux of the issue lies in the presence of inaccurate information within my credit history, specifically, data that has no relevance or association with me. Despite my proactive efforts to address this discrepancy by reporting the incident to all three major credit bureaus, I have unfortunately encountered a lack of resolution. Consequently, I humbly request the diligent removal of this erroneous account from my credit report, as its continued presence negatively impacts my financial standing and reputation.

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 2023-11-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the XXXX credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiries. 

Listed inquiries below : Capital one bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one bank XXXX XXXX Capital one XXXX Capital one XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital one 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 Capital one bank XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: AR

Complaint narrative:
XXXX  - approved for PAYE IDR payment plan XXXX XXXX Submitted Loan consolidation payment plan XXXX  - applied for SAVE IDR payment plan XXXX - called because SAVE IDR had not been processed in 4 weeks and they have removed me from the PAYE IDR and placed me on the standard repayment level program without any notification. They stated it was due to my consolidation process, despite my initial consolidation application clearly stating to keep me on the PAYE program. They told me to apply again over the phone to get this issue settled within 10 business days. Submitted repeat SAVE IDR application over the phone. 
Since then, I have called every 2 weeks to attempt to get this issue resolved XXXX  - called again, put on hold for over 2 hours. they hung up on me XX/XX/ - called again, they stated they would place my ticket on " priority '' for the issue to be resolved. Throughout this, was on hold for over 2 hours to reach resolutions department XXXX  - called again, again, stating they would place my ticket on " priority '' again being on hold for over 2 hours to reach resolutions department XX/XX/ - called again, issue still not resolved. I am still on standard repayment program. I have been on hold trying to reach their resolutions department yet again.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
Ordered item from XXXX used affirm to make purchase. Payed initial payment in order to activate affirm line of credit for item. Item never arrived, reached out to XXXX they said they'd look into it. I had life changes, I moved, I forgot about never receiving refund for the payment I did make until affirm showed on my credit report as delinquent account. Reached out to XXXX again asking why it wasn't closed also reached out to affirm same reason. Affirm didn't respond. XXXX responded saying the item has been lost and they are refunding total amount and affirm should refund in a few days. This account should be closed since I did make initial payment, item was lost in mail, and I was refunded and case closed. Have disputed 3 times from credit report and affirm continues to say information is accurate. I don't have any open accounts with affirm currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was selling my home and Wells Fargo without my knowledge did a foreclosure on my home without notification. My agent was surprised that they sold the house.

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 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I tramsfered money from XXXX XXXX acc in too the Venmo acc in the minute of XXXX they first said acc was closed from XXXX when I contect red XXXX they said they have no holds on any acc then they said I have submit my XXXX again XXXX XXXX etc. then the said I own money in another acc I tried paid it off what was owed in another XXXX of XXXX then they said they have hold my money for XXXX then I added another XXXX in acc by mistake then now they said acc in closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: EQUIFAX, INC.
State: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: MO

Complaint narrative:
Stole 17 months of on time never late payments to XXXX and refused to put it back bt still keep ousting worthless credit cards

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 2023-11-06 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: FL

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
The Medical Revenue Service failed to provide the notice required under 1006.34 for the validation of debts. Specifically, they did not provide the following validation information as required by the regulation : 1. Debt collector communication disclosure : The statement required by 1006.18 ( e ).

2. Information about consumer protections : - The date that the debt collector will consider the end date of the validation period and a statement that, if the consumer notifies the debt collector in writing on or before that date that the debt, or any portion of the debt, is disputed, the debt collector must cease collection of the debt, or the disputed portion of the debt, until the debt collector sends the consumer either verification of the debt or a copy of a judgment.

3. Consumer-response information, which includes the following : - Dispute prompts : Statements that allow the consumer to dispute the debt for various reasons, including " This is not my debt, '' " The amount is wrong, '' and " Other ( please describe on reverse or attach additional information ). '' - Original-creditor information prompt : The statement, " I want you to send me the name and address of the original creditor. '' - Mailing addresses : Mailing addresses for both the consumer and the debt collector, as disclosed pursuant to 1006.34 ( c ) ( 2 ) ( i ) and ( ii ). 

The failure to provide this information is a violation of the regulation, and the Medical Revenue Service is obligated to provide this notice to ensure compliance with debt collection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TX

Complaint narrative:
I tried paying through my bank account in the Aidvantage XXXX, but my payments got rejected XXXX. It gave me a message saying " XXXX XXXX '' and that something with my bank account information was incorrect. I also tried to pay via phone, but I could not do so. I tried calling, and a representative said that they were unable to locate my bank account. My bank account numbers are correct, and no charges have been made to my bank account on behalf of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a complaint XXXX for an unauthorized charge for {$910.00}, on XXXX I received a credit to my account while the claim was researched. On XXXX, I received a letter in my online portal that I did not see until XXXX saying the credit would be taken back on XXXX. On XXXX I called to see if they could split into two or take it out later. After being transferred multiple times I reached a rep who stated they would put in a request to push it back two months. The next day I saw the credit come out and called. i spoke two a supervisor XXXX from texas who stated they would put the credit back in 48 hrs so i could pay my rent. he stated he would call me later that night and never did. i called the next day to speak to him but he was not in. since this was a friday i could not call again until monday XXXX, and spoke to XXXX from arkansas. XXXX stated that everything i was told was not true and could not be done. and basically tough luck on paying my rent

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
My personal bank is XXXX XXXX, I have been paying SELF for 2 years and my contract endds this XX/XX/2023 my last payment is XX/XX/2023- i have NEVER ever missed a single paymnt and my payments have always been on auto pay. In XXXX, my personal bank, XXXX XXXX  had a ACH problem, they could not process withdrawals, charges or deposits and the problem stille exists on my checking accounts but it is not just my accounts it is BANK WIDE meaning nation wide. There is nothing I DID WRONG. when self sent payment thru it was normal, and i was in hospital with XXXX  where i have no internet and no acess to phone as i was sick fighting for my life, needless to say t he bank was having this issue and the payment was sent back XXXX  when there was nothing wrong with my personal accountit was a a bank system issue, i called self and told them that and they told me they will not help me the paymentwas made on timme as i do every month i provided hte screen shot proving the issue and they still would not help me i asked for supervisor and they refused me supervisormy credit has NO BAD ACCOUNTS I HAVE VERY GOOD CREDIT and now its bad credit because self screwed up and wont fix this you cant punish me for a banks error and you cant punish me for not knowingyou were sending emails when i was in XXXX XXXX XXXX during a state of emergency in XXXX with XXXX in XXXX. I demand the negative report removed and immediately resolved as I paid it soon as i saw the issue when i came home and made sure to make good on it i demand this adjusted as it was NOT MY ERROR NOR FAULT. i will sue and go to social media and attorney generals office if not, as you can not punish a customer for a banking facilities issues, nor punish me for being almost dead and nothavin internet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NY

Complaint narrative:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached EMPLOYMENT INFO : XXXX need to remove & updated ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX need to remove & updated Inquiry details 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 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 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 ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( TransUnion XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Account number XXXX Status Account XXXX " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281,715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. '' This account is involved in litigation.

I have been threatened by this company numerous times. 
I also have let XXXX XXXX, Experian, XXXX, and XXXX know that I have been on XXXX XXXX in the XXXX XXXX and have know knowledge of this Account in my name!

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 2023-11-07 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there 2 late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose. In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. In accordance with the written instructions of the consumer to whom it relates Please remove this creditor has violated my rights.

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