vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
PHEAA invalidated the address once again after they advised me of this on XX/XX/2024 via email. I sent the following message to PHEAA as a result of this, because PHEAA is overextending its allowed actions. At this point, PHEAA should not be invalidating my address for any reason. When PHEAA does this, it begins to open the door for XXXX XXXXXXXX to occur. PHEAA is acting irresponsibly by invalidating my address after all the complaints made against them about this. Again, all mail will continue to be sent back, and PHEAA should not be using that as a reason to claim my address is invalid. PHEAA was also issued a Fair Debt Collection Practices Act notation for the ongoing violation of my rights by the Agency. PHEAA has sent loan information about my loans to people who no longer reside at addresses they have on file. This causes major concern as the addressee who would live at these addresses now could potentially open the mail and steal my information. Even if there is partially masked information, this is irresponsible of the Agency to even consider doing this given that I've communicated with them about NOT doing this on several occasions. 
-- As of XX/XX/2024, your Agency advised of contact information being invalidated. No contact information has changed since the last time your Agency misrepresented itself by claiming contact information was invalid. You may continue to invalidate the address although your Agency has been informed multiple times that the contact information is correct and will not change unless I reach out to you advising otherwise. These repetitive tactics will only prove that your Agency is operating in a wasteful manner. There is no governmental requirement to invalidate addresses of borrower as a result of receiving mail that is returned for the conveyance of Borrower and Cosigner simply not wanting it. Your agency is running out of reasons to continue doing this. --

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request assistance regarding an issue with multiple credit inquiries that were improperly listed on my credit report. On XX/XX/XXXX, I visited XXXX XXXX XXXX to apply for a single auto loan, and I was assured that my credit would only be checked once. However, I discovered that my credit was run XXXX times over XXXX consecutive days : XX/XX/XXXX, and XXXX, XXXX. 

In addition, the dealership had me drive XXXX hours after confirming the exact amount I would pay since my credit was ran at another location one time and said they could use this - I got there and it was more than XXXX times the amount - the manager tried to XXXX me into agreeing to this amount and when I did not he without my authorization ran my credit XXXX more times after I stated I needed to purchase a home soon and did not want it ran more than the XXXX time I agreed to. I am now struggling to get my credit up to purchase a home. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These multiple inquiries were conducted without my authorization and have negatively impacted my credit score. I understand that multiple inquiries for an auto loan within a short period are typically treated as a single inquiry, but in this case, I did not consent to such numerous checks. I have contacted the credit reporting companies and the companies that ran my credit as well as the dealership with no luck so request the removal of these unauthorized inquiries, but I am seeking your assistance to ensure this matter is resolved promptly and my credit report is corrected. Thank you for your attention to this issue.

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 2024-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc.
State: CA

Complaint narrative:
RFGI claims ( on behalf of XXXX XXXX XXXX XXXX, whose principal is XXXX XXXX ) that I paid {$2700.00} for XXXX XXXX XXXX XXXX legal services and owe them an additional {$810.00}. 

This is in fact patently false. Their reporting of a false claim on XX/XX/XXXX has caused my credit score to drop precipitously and will cause irreparable harm if it is not immediately rectified. Both RFGI and XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXXXXXX should be taken to task for this. 

I have included four attachments in addition to a cover letter : - XX/XX/XXXX - XX/XX/XXXX -- Complete communication with RFGI ( file Complete communication with RFGI ) : RFGI claims I paid {$2700.00} to XXXX XXXX  / XXXX XXXX and owe {$810.00} in response to an email from me on XX/XX/XXXX that I had paid {$3200.00} and did not owe anything given my agreement with the creditor. On XX/XX/XXXX, I provided them all the evidence I have provided here - my wire of {$3200.00} and verbal agreement with XXXX XXXX referenced in the email to XXXX XXXX. XXXX XXXX acknowledged this email, said he would look into the invoices but never responded after that ( he was always planning to get paid what he could via verbal agreement and then use unethical collection means to try to collect more ) - Proof of my wire to XXXX XXXX XXXX XXXXXXXX  from XXXX XXXX XXXX, XXXX, the entity for which I am a representative and for which XXXX XXXX XXXX XXXX  provided legal services, of {$3200.00} ( this is sufficient to prove that their claim I owe {$810.00} is incorrect ) ( file transaction-details_Wire Transfer XXXX ) -My email to XXXX XXXX disputing an additional invoice shortly after a verbal agreement on the phone that {$3200.00} would settle the entire legal bill. XXXX acknowledges the email and says he will look into the additional invoices but never looks into it/ never responds and instead continues sending unpaid invoices and subsequently sending the invoices to collection. By not intending to abide by his verbal agreement, XXXX XXXX is also in breach of California law ( file XX/XX/XXXX communication with XXXX  ) -XXXX  XXXX original estimate for the legal work of $ XXXX ( not necessarily relevant here but helpful context for anyone reviewing ) ( file 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 2024-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX, 2024 someone transferred themselves {$1000.00} via our bank XXXX. They also sent themselves {$510.00} via XXXX XXXX. They attempted to take an additional XXXX XXXX XXXX transactions but the bank stopped those. We immediately called USAA to dispute this as fraud. They keep saying the authorized / linked device made this transaction therefore nothing can be done. We did not make these transfer someone XXXX our account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX 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 XXXX XXXX accurate.

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 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
On XX/XX/year> I submitted one application for a car loan at XXXX XXXX. Without my knowledge, XXXX XXXX made XXXX additional requests to different organizations, which I did not ask them to do, but they did it. Since then, I have discovered XXXX additional unauthorized credit requests. To which I did not give permission. Now I have XXXX hard inquiries ( from XX/XX/year> ) in my credit report but i did only 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 2024-06-05 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: TN

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXXXXXX XXXX XXXX Account XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX  :, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX XXXX Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!

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 2024-06-06 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: UT

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX- XXXX, XXXX, XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I never had XXXX XXXX only XXXX  so i have no understanding why they have a collection for me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 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: NV

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported by Early Warning Systems in my consumer file. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate information and have the right to be notified when such information is being furnished or used. 

**Details of the Dispute : ** - **Account Number/Reference : ** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXAccount Number/Reference : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXXAccount Number/Reference XXXX XXXX XXXX XXXX XXXX - XXXXAccount Number/Reference : **. XXXX XXXXXXXX XXXX XXXX  Upon reviewing my consumer report, I found that the above-mentioned information is incorrect. The details provided are either outdated, incorrect, or completely irrelevant to my financial history. Furthermore, I was not given any prior notice or opportunity to dispute this information before it was furnished or used, which constitutes a violation of the FCRA. 

**Violations of the FCRA : ** 1. **Failure to Provide Notice of Furnishing Negative Information : ** According to 15 U.S.C. 1681s-2 ( a ) ( 7 ), a furnisher of information must notify the consumer of any negative information that is being reported to a consumer reporting agency within 30 days. I did not receive any such notification regarding the information in dispute. 

2. **Failure to Conduct a Reasonable Reinvestigation : ** Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute from a consumer, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It appears that no such reasonable reinvestigation was conducted concerning my dispute.

3. **Reporting Inaccurate Information : ** The FCRA, 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( B ), mandates that furnishers of information must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The information being reported in my file is demonstrably inaccurate. 

4. **Failure to Disclose Information : ** According to 15 U.S.C. 1681g ( a ), I have the right to be informed of all information being reported about me. The failure to provide complete and accurate disclosure of the information constitutes a violation of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have asked over and over again for the bureau to provide validation. They have failed to do so when i have disputed this matter. According to FCRA section 605b it is illegal to report information on my credit profile without my permission. I ask that you please remove the XXXX  XXXX from my credit profile. 

Thank you please remove this once and for all. This has been a nightmare and the bureau is in violation under FCRA Section 605b Thank you.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian hasn't corrected or deleted inaccuracies on XXXX XXXX, XXXX, XXXX accounts. Experian have not did a deep dive investigation on these XXXX accounts, These XXXX accounts was paid in full and on time.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Westlake Financial Services XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX sold the debt. to XXXX XXXX XXXX in XXXX, Indiana their attorney is XXXX XXXX. Row XXXX and in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 usc 1681 section 602 states that I have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. I demand the payment be updated to paid on time according to these U.S. laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: CA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXXXXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX 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 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 on my 2 accounts 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 XXXX XXXX, XXXX 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 non-monetary relief