vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 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: MS

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I was previously paying {$370.00} a month on my student loans to XXXX, which were transferred to Aidvantage in XXXX. In XXXX I changed my auto-pay payment method from withdrawing from my personal savings account to withdrawing {$350.00}, the required payment, from my spouse and my joint savings account. Immediately my interest rate, which had been 6.125 % while on autopay for consolidated loans, went up to 6.375 %. Simply switching which account I pay from shouldn't cause an increase in interest rate. I already think this account is overcharging me in interest. I would appreciate if the CFPB would look into this because Aidvantage is being sketchy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
File a complaint with the CFPB against Equifax Equifax responded that the information was not reporting on my credit file, and I would recived an updated report to show that I never recived anything from Equifax. The account is still reporting!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: CT

Complaint narrative:
I am writing to formally lodge a complaint against Receivables Management Partners LLC regarding their persistent and harassing behavior over a claimed debt. Despite having all my bills covered by my insurance, I have been subjected to numerous voicemails and calls at all hours from this company.

Receivables Management Partners LLC has been leaving numerous voicemails and calling me at all hours. 

These calls and messages have continued despite my insurance having already covered all my bills. 

The persistent nature of these communications has caused significant distress and inconvenience. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
My account with XXXX  XXXX AND DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: FL

Complaint narrative:
My account with XXXX  XXXX AND DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX AND DEPT OF EDUCATIONXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am filing this complaint due to TransUnion and XXXX 's refusal to provide the necessary documentation to support my identity theft investigation. Despite my requests, neither bureau has supplied the transaction histories ( merchant names, dates, and authorization details ) for the disputed accounts tied to XXXX XXXX, XXXX, and XXXX XXXX. Without this information, I can not file a police report or investigate further. 

Both bureaus have denied my request to block these accounts without transparency about the evidence used to make that decision. Their refusal to provide the documentation is preventing me from resolving this issue and appears to be an attempt to avoid dealing with the fraudulent disputes that may arise.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Webcollex, LLC
State: NV

Complaint narrative:
I am filing this complaint due to XXXX and XXXXXXXX XXXX refusal to provide the necessary documentation to support my identity theft investigation. Despite my requests, neither bureau has supplied the transaction histories ( merchant names, dates, and authorization details ) for the disputed accounts tied to CKS XXXX, XXXX, and XXXX XXXX. Without this information, I can not file a police report or investigate further.

Both bureaus have denied my request to block these accounts without transparency about the evidence used to make that decision. Their refusal to provide the documentation is preventing me from resolving this issue and appears to be an attempt to avoid dealing with the fraudulent disputes that may arise.

Company response to consumer: Untimely response
Consumer complaint received 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
My bank account was compromised and my XXXX XXXX money was sent to another user. Wells Fargo said denied my claim stating I authorized the transaction, and because XXXX XXXX is a third party they could not dispute it. I also submitted a claim with XXXX XXXX and they said there was nothing to be done on there said.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These late payments are inconsistent with my usual payment record.

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 2024-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

Please see the attached disputes sent over the last few months.

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
On XXXXXX/XX/year>, I applied for a credit card, and I received a denial notice on XX/XX/year>. After reviewing the notice, I am requesting reconsideration of my application and further clarification of the reasons for denial, pursuant to my rights under 15 U.S.C. 1691, the Equal Credit Opportunity Act ( ECOA ), and 12 C.F.R. 1002, Regulation B.

According to 15 U.S.C. 1691 ( d ), creditors are required to provide specific reasons for denying a credit application. Additionally, under 12 C.F.R. 1002.9 ( a ) ( 2 ), this explanation must clearly outline the factors that adversely affected my application. Furthermore, it is important to note that under the ECOA and Regulation B, credit decisions can not be based solely on credit scores. Denying credit based solely on a credit score is a violation of these provisions, which are designed to ensure that applicants are fairly evaluated on the basis of multiple factors. 
In your denial notice, it was suggested that my credit score played a significant role in your decision. As such, I would like to emphasize that the use of a credit score, while a factor in the evaluation process, should not be the sole determining factor in the denial of credit, as per the regulations mentioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: IL

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. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX These two have violated my rights 15 ISC 1681 Section 602a, stated I have a rights to my privacy 15 USC Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information other than records of conviction and crimes ante dates the report by 7 years.

15 USC 1861s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or have reasonable cause

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: IL

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. 

Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX These two have violated my rights 15 ISC 1681 Section 602a, stated I have a rights to my privacy 15 USC Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information other than records of conviction and crimes ante dates the report by 7 years.

15 USC 1861s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or have reasonable cause

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 2024-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have a Chase Sapphire Reserve credit card. As part of the benefits promised with this card are trip interruption and trip delay insurance. I needed to make a claim because of a XXXX flight delay that required us to spend the night near XXXX XXXX after our flight we missed our connecting flight because of a flight delay. I submitted a claim to the agent of Chase, eclaims.com on XX/XX/year>. I provided the documentation requested. I have been repeatedly asked to provide additional documentation o er the last three months. In each case I provide what is asked for, I then hear nothing back until I call them, and am then told additional documentation is needed. 
As XXXX XXXX as an agent of Chase, I complained to Chase and was essentially told Chase has nothing to do with it. 
In the meantime, I am dealing with a non-responsive company that appears to be giving me the run-around instead of processing a legitimate benefit offered by the terms of my credit card with Chase, and am unable to collect the benefits to which I am entitled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint due to XXXX and Experian 's refusal to provide the necessary documentation to support my identity theft investigation. Despite my requests, neither bureau has supplied the transaction histories ( merchant names, dates, and authorization details ) for the disputed accounts tied to XXXX XXXX, XXXX, and XXXX XXXX. Without this information, I can not file a police report or investigate further.

Both bureaus have denied my request to block these accounts without transparency about the evidence used to make that decision. Their refusal to provide the documentation is preventing me from resolving this issue and appears to be an attempt to avoid dealing with the fraudulent disputes that may arise.

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
i opened a credit card online and received the card, a copy of their version of my credit report and an extra card for my partner on XX/XX/XXXX, XXXX i started using it right away in order to take advantage of their offer ( spend {$500.00} get {$200.00} rewards ). 
after they turned off my card without warning, i was totally embarrassed at XXXX for declined card. they closed my card and supposedly at some point they sent me a letter ( when? ) with a deadline of XX/XX/year> that i never received. 
they want me to pay back the entire balance and froze my {$210.00} rewards. 
one phone person did finally say sorry.

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