vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 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: PA

Complaint narrative:
I believe FCRA 605B says we must delete any wrong accounts from my credit report. Could you check the papers? Some accounts listed have wrong reporting, wrong amounts, and dates.

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 2024-04-12 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: IN

Complaint narrative:
SUBJECT : URGENT : Failure to Block Fraudulent Credit Reporting Following Identity Theft Notification Dear Consumer Financial Protection Bureau, I am writing to express my concern and to file a formal complaint regarding an ongoing issue with a consumer reporting agency. Despite my efforts to rectify the situation through proper channels, there has been a failure to act as required by law. 

On XX/XX/2024, I took the responsible step of notifying the appropriate agency via certified mail that I had fallen victim to identity theft. However, as of XX/XX/2024, the incorrect information stemming from this crime is still being reported. 

Under Section 605B of the FCRA, consumer reporting agencies are mandated to inform the furnishers of the information, which includes financial institutions, of the potential fraud identified in the reports. It is their duty to acknowledge that an identity theft report has been officially filed. I have supplied them with the necessary documentation, including FTC report numbers XXXX and XXXX, and have requested a block on the fraudulent information as per the guidelines. 

Furthermore, according to Section 623 ( a ) ( 6 ), once the furnishers receive notification along with all requisite documentation specifically, proof of my identity, a copy of the identity theft report, the identification of the fraudulent information by myself, and my declaration that this information does not pertain to any transactions I have made they are legally required to cease reporting this information within 4 business days.

Regrettably, this has not been the case. All the necessary steps were completed on my part, and supporting documents will be included with this complaint. The agency 's failure to block this fraudulent information within the stipulated timeframe constitutes a violation of FCRA 15 U.S. Code 1681c-2. This oversight is subject to penalties and makes the agency civilly liable for any damages I have sustained due to this noncompliance, as outlined in 15 U.S. Code 1681n. 

I trust that the CFPB will address this matter with the urgency and seriousness it warrants. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I called on several occasions to toyota support to remove the XXXX XXXX XXXX, the XXXX XXXX, which I have not requested to put me and they tell me that they do not remove that XXXX from my bill, they have given me the number of a company I called and they say that they do not see that is toyota, I called the dealer and they tell me the dealer that is toyota who sees that in the end toyotacial does not want to take responsibility nor the dealer either and I continue charging the XXXX  every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
date : XX/XX/23 amount : {$410.00} no actions taken by company company : portfolio recovery associates ( XXXX  XXXX ) action taken by me : filed a dispute multiple times i am unhappy and upset about a collection that was placed on my credit without my consent not only that but i didnt have or dont have a credit card and want this removed immediately! 

1692c. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the ex- press permission of a court of competent juris- diction, a debt collector may not communicate with a consumer in connection with the collec- tion of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: GA

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 XXXX XXXX XXXX. 
XXXX. XXXX : Acct # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Equifax : Acct # XXXX XXXX XXXX XXXX. XXXX XXXX Equifax : Acct # XXXX XXXX XXXXXXXX : Acct # XXXX XXXX & Equifax : Acct XXXX XXXX Installment 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account furnish a account without my written instructions 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 2024-04-12 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX. XXXX : Acct # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : Acct # XXXX Revolving Experian : Acct # XXXX XXXX & XXXX : Acct XXXX XXXX Installment 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account furnish a account without my written instructions 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 explanation
Consumer complaint received 2024-04-12 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: MD

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 2024-04-12 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: IL

Complaint narrative:
I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these inquiries be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I've consistently made sure payments on this account are prompt, avoiding any instances of lateness. I find myself uncertain regarding the basis for late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have always made sure that payments on this account are made on time, never allowing them to become overdue. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I opened a 360 performance savings account with Capital One in XXXX of XXXX and deposited {$2000.00}. 

Ive had countless calls and attempts to access my accounts through the app/website but since I did not have the account number I was unable to gain access. 

Today ( XX/XX/XXXX ) I checked mail that I received and see a statement from Capital One which says my current account balance was {$0.00}. The letter states my opening balance in XXXX was {$2000.00}. However, there was a - {$2000.00} withdrawal on XX/XX/XXXX. This withdrawal is not reflected in ANY of my other accounts. 

After a 1hr call with an agent, I was finally told that the account was closed and that they wouldnt be able to disclose any information regarding why. The agent also stated that any good funds would be returned to me but when I asked what is defined as good funds the agent refused to answer and connected me to a supervisor instead. 

After discussing with the supervisor, I was informed that due to inactivity, restrictions were placed on the account and the account was marked as fraud. Upon requesting more information and disclosure about the missing funds, I was abruptly disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I have some private education loans through Navient used for XXXX University, who is XXXX of the schools listed under the XXXX v XXXX lawsuit. Other people in similar situations, who attended XXXX have been offered discharge applications via mail or email. What are the criteria for the discharge and why are others in similar situations not being offered the discharge application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I had previously enrolled in the XXXX plan on XX/XX/XXXX and called Aidvantage to pay my {$5.00} forbearance on XX/XX/XXXX. The forbearance was until XX/XX/XXXX. I then received an email on XX/XX/XXXX stating that I owed {$2000.00} by XX/XX/XXXX, then received a second email on XX/XX/XXXX stating that owed the same amount by XX/XX/XXXX, and finally received an email on XX/XX/XXXX stating that owed {$2000.00} by XX/XX/XXXX. On XX/XX/XXXX, I called Aidvantage to enquire about why I had received these notices. Under the XXXX plan, I was told that my payment would be {$0.00} each month due to my income level. After speaking to the representative for over an hour, I was requested to apply for the XXXX plan again, which I did. However, I have been charged interest for the period between XX/XX/XXXX and XX/XX/XXXX that should have been covered under the original XXXX  plan enrollment. I spoke to a supervisor about having the correct enrollment date for the XXXX plan applied to my account and this interest removed, based on my original application. This request was supposedly submitted, but when I got my approval for the XXXX plan, the start date was still listed as XX/XX/XXXX, making me responsible for the improperly assessed interest. I called Aidvantage again on XX/XX/XXXX - the representative transferred me to someone who claimed to be a supervisor who kept repeating that I owed any interest charged before enrolling in the XXXX plan, not recognizing the date differences. She then claimed that all supervisors were in a meeting, and they would call me back. I have not yet received a call back. Currently, I have been charged an extra ~ {$6000.00} in interest that would not have been charged had I been enrolled properly at the initial XXXX date ( two representatives at Aidvantage have told me that they can see the initial enrollment date in their system ). In addition, it appears that ~ {$30000.00} in interest has been improperly capitalized on my account within the past 6 months. 

Documents received available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
My last payment to XXXX XXXX was paid automatic though my checking on XXXX XXXX for {$24.00}. I went with a new insurance company in XXXX so would not opened them anything. 
I can send picture where it showed this clear my checking account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit 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 2024-04-12 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: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Credit fraud on my credit report from hard inquiries 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NV

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is both a breach of my privacy and not 100 % accurate, which is a violation of my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My consumer report has inaccurate information that was not authorized by me to be reported. This is both a breach of my privacy and not 100 % accurate, which is a violation of my rights under FCRA.

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