vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I was notified that my XXXX student loans were transferred to Aidvantage ( this action was taken without any request or consultation with me by my student loan servicer ). I am one of the borrowers who continued to pay my loan throughout the pandemic, and made sizeable payments to reduce my student loans : between XX/XX/XXXX and XX/XX/XXXX I paid {$4900.00} towards what were XXXX  student loans, now managed by Aidvantage. XX/XX/XXXX, I waited 1 hour and 39 minutes to speak with an Aidvantage representative by phone to request a refund of all student loans paid on my Aidvantage held loans, because Aidvantage hadnt called me back when I called the day before and left my phone number for a call back when prompted by their phone system. The representative told me he would need a supervisor to approve my refund request because it was over {$1000.00}, but that it was all taken care of ; he said it could take 4-6 weeks to receive my refund. While waiting for my call back from Aidvantage, I submitted this same request in writing to Aidvantage ( I didnt want to be jerked around ). XX/XX/XXXX, I received an email from Aidvantage that stated : I hadnt made any payments, so no refund could be processed. I logged in to my account and my payment history had been scrubbed or cleared : it showed no payments made my me ( even the XX/XX/XXXX payment was missing ). I called Aidvantage and a rep said there were no payments, and so no refund. I asked for a supervisor. She then said she found payments, and asked if an amount in the {$2000.00} range was correct. I said it was not. She said she would submit a request for my payments to be found I again asked for a supervisor. I told her I had deep concern about the management of my account based on the ongoing interactions with Aidvantage. Again, I waited more than 1 hour and 38 minutes and counting. I worked to pay off my loans through sickness, hunger, while I had a Borrower Defense to Repayment claim pending ( still not resolved ) for SIX years, and during a pandemic : I need a company that will not lose track of ANY payments I make, let alone close to {$3000.00} USD, because I dont have that kind of money to lose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
n accordance with the Fair Credit Reporting acXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 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 2022-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: WI

Complaint narrative:
XXXX. Pam and the XXXX of XXXX, XXXX XXXX XXXX XXXX illegally garnished my state taxes without suing me first and acquiring a court ordered garnishment. They took {$270.00} out of my XXXX state taxes as of XX/XX/XXXX and I finally received a notice on XX/XX/XXXX. 
XXXX. Pam and the XXXX of XXXX, XXXX XXXX XXXX XXXX never contacted me prior to illegally taking {$270.00} from my state taxes. 
XXXX. I did send photo id, notice, proof of sale and a statement to PAM at they requested on XX/XX/XXXX by mail. This has been refused just to delay the process. Since then I have received even more citations. 
XXXX XX/XX/XXXX I drove to the XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and spoke with an XXXX XXXX XXXX XXXX who researched and pulled up proof of the sale and that the plates were cancelled. The plates had expired on XX/XX/XXXX and the XXXX XXXX XXXX was sold to XXXX XXXX on XX/XX/XXXX. 
XXXX. PAM who is associated with the XXXX of XXXX, XXXX XXXX XXXX XXXX, both make it impossible to try to correct incorrect parking citations by calling them, emailing them, and/or speak to any XXXX face to face.. I have had XXXX phone conversations where they have called me and a mail correspondence. I dove to the South Payment Center @ XXXX XXXX XXXX XXXX as directed by XXXX XXXX XXXX on XX/XX/XXXX. At that payment location I was told to call a number that is directed to XXXX with no way to talk with a person ( call made at XXXX on XX/XX/XXXX. 
XXXX visited XXXX XXXX on XX/XX/XXXX where he stated that the City of XXXX, XXXX of XXXX XXXX XXXX not properly doing their job as I should not be receiving citations on this as my vehicle has a recorded sale in the system stating that XXXX XXXX XXXX XXXX owner of the XXXX XXXX XXXX and that my plates were expired. 
XXXX. Many of the citations are are on other vehicle and the plates are not valid not have been since XXXX. The plates have been stolen.

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 2022-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: RI

Complaint narrative:
Aldous Associates at ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX shows since XXXX XX/XX/XXXX that XXXX XXXX in XXXX XXXX  sent a debt of XXXX from my account. Already called my former fitness club at ( XXXX ) XXXX and verified a XXXX balance upon closing my account in XXXX. Tried calling Aldous Associates but their voicemail was full and their office shows being temporarily closed on Maps app. This fraudulent debt collection agency shows as a high impact derogatory remark on my XXXX report. If you could please have this removed, it would be greatly appreciated. Your help is greatly appreciated. Thanks very much, XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, 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:
Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with XXXX  XXXX in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. Justin denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give XXXX XXXX any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse XXXX XXXX has created. I am extremely disappointed in XXXX XXXX for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with XXXX  XXXX in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. XXXX denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give XXXX  XXXX any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse XXXX XXXX has created. I am extremely disappointed in XXXX XXXX for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with XXXX  XXXX in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. XXXX denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give XXXX  XXXX any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse XXXX XXXX has created. I am extremely disappointed in XXXX XXXX for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
15 U.S. Code 1681c2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Fraudulent Accounts : ACCOUNT XXXX  XXXX  Account Number : XXXX Account Opened : XX/XX/XXXX Balance : $ {$3800.00} Fraudulent Inquiries : Inquiry Name : XXXX. 
Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
My score was lowered XXXX XXXX. I called to determine why with my credit card company. The agent said I had to speak with a different department. After I was transferred, I realized I was speaking with a Transunion agent. I asked for an explanation in the lowering of my credit score. The explanation was that I had a big balance and one inquiry on my report. However, prior to being transferred, my credit card company confirmed my payments have been made on time in previous months. Therefore, the statement on the big balance was incorrect. So, I asked the TransUnion agent for a better explanation. The agent was unable to provide me with an answer and the agent refused to allow me to speak to a supervisor. At this point in the call, I requested at least 5 more times to speak with a supervisor and my request was denied. The Transunion agent gave a closing statement and terminated the call.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
I DID NOT APPLY FOR CREDIT AT XXXX XXXX XXXX XXXX WITH SANTANDER CONSUMERS ON XX/XX/22. PLEASE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I ATTEMPTED TO FILE A DISPUTE WITH TRANSUNION IN REGARDS TO AN ACCOUNT THAT THEY HAVE LISTED ON MY CREDIT FILE. THE ACCOUNT IS LISTED AS " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
THIS ACCOUNT IS TOO OLD TO BE LISTED ON MY CREDIT FILE AND TRANSUNION REFUSE TO REMOVE IT. WHEN IT ATTEMPTED TO HAVE IT REMOVED, TRANSUNION STATED THAT THEY WERE UNABLE TO INVESTIGATE THIS DISPUTE. TECHNICALLY IT IS NOT A DISPUTE, IT IS A REQUEST FOR THEM TO REMOVE THIS INFORMATION PER THE 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
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
i have disputed this medical collection before and it was removed, however now XXXX  months later it back on my credit as a collection in all three-credit bureau. I don't understand how or who this collection company DRS why do they have my personal information. they have called family relatives asking if i was there and they would not provide any information. FURTHERMOR, IN ACCORDANCE WITH THE FAIR CREDIT ACT PUBLIC LAW 91-506, TITLE VI SECTION 611, SUBSECTION A-D, I DEMAND THAT THE COLLECTION COMPANY PROVIDE ACTUAL PROOF THE INFORMATION WAS VERIFIED, NOT A COMPUTER-GENERATED CONFIRMATION. 

1 -- THE NAMES AND BUSINESS ADRESSES OF EACH INDIVISUAL WITH WHOM YOU VERIFIED THE INFORMATION WITH ABOVE, SO THAT I MAY FOLLOW UP.

2 -- DATE YOU CONTACTED THE INDIVISUAL FURNISHER 'S INFORMATION 3 -- THE METHOD OF COMUNICATION THEY USED TO VERIFY THE INFORMATION I WOULD ALSO LIKE TO KNOW IF THE FURNITURE PROVIDEDED YOU WITH MMY SSN, ADDRESS OR DATE OF BIRTH

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Report Act the following accounts XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX CARD # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX, and XXXX XXXX # XXXX have all violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. the accuracy of my credit report is unmatched. I am contacting the original creditors that are responsible for reporting invalid information. all accounts, dates, amounts are listed in the files. please review and remove the listed items immediately.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, 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:
Oh XX/XX/XXXX I was sent a letter from self financial stating that they was allowed to furnish anything on my account with my consent. I was never given the chance the opt out of there privacy disclosure at all. They are not following the XXXX XXXX part XXXX under The XXXX XXXX about giving a chance to allow the consumer to opt out of the disclosure of the consumers nonpublic personal information to a nonaffiliated third party if the disclosure is outside of the exceptions. So now that they violated my rights under that act.I would like this removed all late payments and all negative information related off my credit report on Experian account # XXXX is self account number.

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 2022-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian po box XXXX XXXX, XXXX XXXXXXXX XXXX on, 15 U.S. Code 1681c2 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 XXXX business days after the date of receipt. 
It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : $ {$3800.00} Fraudulent Inquiries : Inquiry Name : XXXX. 
XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief