vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
About a year ago, I received a letter that my XXXX student loan, in my father 's name, was being taken over by another company called Aidvantage. When I stared paying the bill, the transaction still comes out of my account as a payment to " XXXX XXXX XXXX XXXX ''. Plus, the Aidvantage website appearance is almost just like XXXX. Is XXXX lying about my loan not being under their company?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Services, Inc.
State: MI

Complaint narrative:
I have requested that Credit Services Inc cease all illegal activity. Credit Services Inc has inaccurately and unfairly reported on my credit file. I have requested a complete audit trail for this alleged debt and that all negative communication be stopped to CRAs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my personal credit report from MyFico.Com, I discovered that there were many credit inquires reflecting on my report that I not only was not aware of but most importantly did not authorize. Out of the 8 inquires listed, I only authorized and was aware of ONLY 1 which is linked to my XXXXXXXX XXXX appliance account. I contacted the requestors and all have stated that they do not show record of inquiry nor any linked accounts to my personal identity. 

I demand that the inquires listed below be removed immediately are they were not authorized and are NOT linked or associated to any accounts owned by me. 

There are also name listed on my credit report that are inaccurate. These are listed below as well and need to be removed immediately. 


Date Transunion XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX Financial Names : XXXX XXXX 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 explanation
Consumer complaint received 2022-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
My ATM/XXXX XXXX  card will not work for the last few years. I only use it to withdraw funds at the ATM maybe six times a year. I must go into a branch or call the fraud department whenever it fails for an unknown reason. I go to the same branch every time. XXXX XXXX never works, and Wells Fargo keeps holding my account hostage and forcing me to speak to someone whenever I need cash. This needs to stop as it has been happening for years and is intentional on the part of Wells Fargo to prevent access to my funds. I have close to XXXX in the bank. I should not be stopped whenever I want to take out {$100.00}. It is deceptive and unethical on the part of Wells Fargo. These are not fraud controls but rather handcuffs.

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 2022-07-29 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: TN

Complaint narrative:
I do not dispute that the account is paid off in full late. I dispute the inconsistancies in your credit reporting to the different agencies. My account is paid off and paid in full. You have reported false information dollar amounts to all three credit agencies. You can not update because I brought this to your attention. You should have known that your reporting is inaccurate across the three agencies. you have to delete.

accoding to 15 US CODE 1681 ( a ) ( G ) ( A ) In general ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ( ME ) and the consumer notifies the agency directly, or indirectly through a reseller ( XXXX  XXXX ), of such dispute, the agency ( XXXX  XXXX ) shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status ( CLOSED ) of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ) ( INACCURACIES ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: TN

Complaint narrative:
I do not dispute that the account is paid off in full late. I dispute the inconsistancies in your credit reporting to the different agencies. My account is paid off and paid in full. You have reported false information dollar amounts to all three credit agencies. You can not update because I brought this to your attention. You should have known that your reporting is inaccurate across the three agencies. you have to delete. 
accoding to 15 US CODE 1681 ( a ) ( G ) ( A ) In general ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ( ME ) and the consumer notifies the agency directly, or indirectly through a reseller ( XXXX  XXXX ), of such dispute, the agency ( XXXX  XXXX ) shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status ( CLOSED ) of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ) ( INACCURACIES ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To let you know that I was a victim of identity theft, I am sending you this letter of complaint. I have discovered that several of the account listed on my credit report is not mine or was opened without my knowledge. To help me remove this item from my report, I am requesting your help. The credit bureaus are required by FCRA section 605b to delete or block any accounts mentioned on an identity theft report. I have provided some documents to help in the blocking of the inaccurate information that is being posted on my report. 
XXXX XXXX XXXX Balance Owed : {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
we previously filed a complaint about this and the company responded that there were no payment accounts added and no payment attempts had been made, this however is blatantly FALSE! 
The attached screenshots of our prospers account CLEARLY show that there are 2 PAYMENT ACCOUNTS currently added to this account, both checking accounts were added when we registered for online access back in XXXX! 
The screenshots further show the error message we receive when trying to make a payment, this error has been persistent since may, we have send a total of XXXX emails to the customer service in this regard and never received a answer!

As far as the claim of the company concerns that no payment attempt has been made we have a RECORDED conversation with the customer service department of prosper marketplace in which the agent CONFIRMS that she could see a total of 3 failed payment attempts!

It is correct that i did not give bank account information over the phone, first of there are already 2 bank accounts added to the account for payment and customer service should be able to initiate a payment over the phone using this information, i have several credit cards from other issuing banks and with every single one i can call in and make a payment over the phone WITHOUT having to give my account information! 
Prosper further claims that they requested further information from me in response to the XXXX Claim however this is also a lie as i never received any follow up from prosper after a confirmation email was received on XX/XX/22 stating that due to a high volume of messages a response would be delayed! 
At this point it is questionable to me whether prosper is a legitimate business or a predatory lender using questionable business tactics to cash in on people with less than perfect credit, the events and untrue responses to the previous complaint surely seem to suggest so. 
I have also conducted further research into this and it seems there are quite a few other customers out there with similar problems

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 2022-07-29 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is violating my rights. 

Account XXXX XXXX XXXX This account was removed from my XXXX reports and should also have been removed from Transunion . There are also factual errors and I am in my legal right to request deletion of this account from my reports. 

Last Verified Date -- Does NOT match XXXX, XXXX removed this account Date of last activity -- Does NOT match XXXXa nd this account no longer shows on XXXX! 
Date opened -- Does Not match XXXX and this account no longer shows on XXXX! 
Closed Date -- Does NOT match XXXX and this account no longer shows on XXXX! 
Account XXXX -- Does NOT match XXXX and no longer shows on XXXX! 

each error can result in a fine against Transunion at {$1000.00} each. I demand with my legal right that this account be deleted from my 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 2022-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: KY

Complaint narrative:
First mid XXXX I received an email saying my escrow was up about {$450.00} and I would be getting a check. I then called and advised Caliber that I would not want the check and to put back into my escrow account, because my taxes had already gone up due to the fact, I did wish my payment to go up. I was told they do not things like raise and lower payments and I disagreed and advised I would send the check back. I tried over and over to have anybody from that company help and they refused. Then in XXXX I got another email stating my payment was going up {$200.00} a month due to a short fall in my escrow. I called and still no return calls no help. This is the kicker I put {$50.00} in escrow on my XXXX bill knowing another short fall in coming and they placed into principal account instead. When I called no return call again. The person I talked said you are not allowed to add to escrow. They have stolen from missed you my funds and I want this company to be investigated. I called the VA and was advised this is a widespread practice for this company! If they can raise your payments, then they should be able to lower them. Either way to steal money is wrong and by not putting my funds where I ask them to be wrong!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my personal credit report from XXXX, I discovered that there were many credit inquires reflecting on my report that I not only was not aware of but most importantly did not authorize. Out of the 7 inquires listed, I only authorized and was aware of ONLY 1 which is linked to my XXXX XXXX appliance account. 

I contacted the requestors and all have stated that they do not show record of inquiry nor any linked accounts to my personal identity. 

I demand that the inquires listed below be removed immediately are they were not authorized and are NOT linked or associated to any accounts owned by me. There are also name listed on my credit report that are inaccurate. 

These names are listed below as well and need to be removed immediately. 


Date Experian XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Names : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation