vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On XXXX XX/XX/, we received a letter via XXXX from True Accord. True Accord, is a collection agency. The agency refused to provide to me and claims to not have any evidence of the debt, despite having sent the demand for payment. This violates the provisions of FCRA and FDCPA, inter alia. In an email from me to the agency herein named, I disputed the debt. The fact is that the agency can not contact or communicate an alleged debt to a consumer without first having verified the debt. This community from True Accord violates consumer protection laws. In addition, XXXX XXXX XXXX, at no tike, ever sent to me any claim that a debt was owed. This instance is the first instance of communication from a third party or XXXX XXXX XXXX. It is presumed that XXXX XXXX XXXX has shared my personal information with this debt collector without right, without my knowledge or my consent. I intend to recover damages from both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is closing complaints without resolving the issue, you stole 17months now of on imw never late payments

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 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, I logged into my student loan account with aidvantage and submitted a payment for the entire balance of the loan ( {$5500.00} ) using information directly from a check to ensure routing information was correct. This payment was submitted as an electronic bank transfer. I received a confirmation email from aidvantage on XX/XX/XXXX that my payment was posted on XX/XX/XXXX. The next communication from aidvantage on XX/XX/XXXX stating that I missed my first payment due on XX/XX/XXXX. Aidvantage then added {$22.00} in interest to my account. I was never notified that my first payment was not processed through aidvantage. I then resubmitted my payment to aidvantage on XX/XX/XXXX. This payment was for {$5500.00}. I received an email from aidvantage on XX/XX/XXXX confirming my payment. I checked my account on XX/XX/XXXX, and my payment was being processed. There were no signs of issues with my payment and it showed XXXX balance. On XX/XX/XXXX I review my bank statement and found that aidvantage never took money from my bank account. I checked my aidvantage account and my payment was reversed on XX/XX/XXXX as dated by aidvantage without notice. This could not have happened on XX/XX/XXXX, as I checked my account on the XXXX and my payment was still being processed. I called the phone number listed on the payment confirmation which is listed as the support phone number. I was put on hold for multiple hours, at which time I never was able to talked to a representative and was unable to remain on hold any longer. I am now mailing a check on XX/XX/XXXX for the original balance owed of {$5500.00} to aidvantage with a letter explaining how I never missed a payment and was not notified of any issues with my electronic payments. I was wrongly charged interest on my account and I am no longer willing to pay it. I do not want this to hurt my credit as I made every attempt make my payment in full well before the payment was due. I informed aidvantage in my letter that I filed a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: PA

Complaint narrative:
Experian XXXX XXXX received a dispute from XXXX dated XX/XX/2023 stating all bankruptcy information was deleted from their system. On XX/XX/2023 XXXX in case # XXXX reported the information unverifiable and Experian XXXX XXXX will not validate their sources of information. XXXX has deleted this information. 
FCRA REINVESTIGATION Pursuant to section 609 ; you must provide the physical documentation on file held by the credit bureau, which was used to verify the reporting of the accounts listed below. Pursuant to 15 U.S. Code 1681g ( a ) ( 1 ) I demand in writing ALL INFORMATION in my consumer file at Experian XXXX XXXX, stored by any of its subsidiaries, or any other entities maintaining data on behalf of Experian XXXX XXXX or its subsidiaries as of the date that you receive this letter regardless as to how, where, or in what form it is stored. In the event the credit bureau does not have physical documentation stored within their business records to verify reporting of the item listed below it must be deleted & blocked immediately. Any item after the investigation that the credit bureau determines to be UPDATED or VERIFIED within 15 days of such determination shall provide me explanation of the nature of the dispute and include all evidence used that led to such determination pursuant to 15 USC 1681i.

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 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
When I first called my mortgage company, United Wholesale Mortgage, back in XXXX of this year, I spoke with a representative by the name of XXXX XXXX. I was given ID number XXXX by him. I made it clear that my wife 's income would be reduced until XXXX or XXXX of XXXX as a result of her recent XXXX XXXXXXXX. They gave me an extension good until XX/XX/XXXX, for a period of XXXX month. I paid on XX/XX/XXXX ; the conference number that was provided online is below. 

On XX/XX/XXXX, you submitted your one-time payment draft for your loan ending in XXXX in the amount of {$1800.00}. The number for confirmation is XXXX. 

Then, in XXXX, they claimed that the check bounced and assessed a {$25.00} late fee. My monthly installment is {$1800.00}. 

On XX/XX/XXXX I contacted them seeing that their promise was given for an extra month 's extension. I shared in several communications with my wife who helps with the bills her income was put on hold due to XX/XX/XXXX XXXXXXXX XXXXXXXX and needed help back in XXXX, after they received the first payment in good faith as promised. I found out in that conversation with the litigation dept they misled me. 

So, I waited and reached out this time to corporate where they let me speak with a XXXX named XXXX XXXX, who listened to my formal complaint and corrected the issue by providing a forbearance extension for the next 5 months and removing the {$25.00} late fee assess and that would be receiving a form from the ligation showing all promise. She also said during this time there won't be any late charges or credit reporting. 

I later received a text message alert and email that the XXXX payment was late after I was told there would be no bad credit reporting to any agency during the forbearance that XXXX XXXX XXXX XXXX shared. I was so upset that my credit score of XXXX went to XXXX credit which was bad. What they did was a deceptive practice. I've filed with Texas Attorney General # XXXX My case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Debt collector violated the no parking rule I have never received written or verbal communication with this alleged debt, debt collectors can't report your debt or your supposed debt to credit reporting agencies without first trying to check with 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 explanation
Consumer complaint received 2023-11-06 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
AMERICAN EXPRESS improperly used my report and got a inquiry on my report on the date of XX/XX/2022. Which they fail under the consumer law, the FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I want these unauthorized inquiries gone within this week from my credit 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 2023-11-07 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: NV

Complaint narrative:
There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XX/XX/XXXXis violating my right per fcra please delete off my credit report attach is the court order

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 2023-11-07 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: NV

Complaint narrative:
There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXX is violating my right per fcra please delete off my credit report attach is the court order

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX continues to report old accounts, or accounts that were already resolved and removed from my credit 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 explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Card by Goldman Sachs closed my account XX/XX/2023 even though I was current and had stated that I was dealing with fraud with my XXXX XXXX account which meant I couldn't pay off full balance. They still closed it without any notification. Now I have to immediately pay back the outstanding balance with no recourse and number and support is non existent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: SC

Complaint narrative:
I want these unauthorized inquiries gone within this week from my credit 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 2023-11-06 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:
I am a victim of XXXX XXXX and I did not open these accounts ( XXXX, # XXXX ). I requested that XXXX XXXX XXXX XXXX remove these accounts from my credit report. I also requested that XXXX XXXX XXXX XXXX stop reporting information to the credit bureaus on my behalf because I did not give my written permission for any information to be shared on my behalf. 

Enclosed is a copy of my XXXX XXXX Report number : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account ( 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 an 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 explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Demand for Removal of Inaccurate Information and Remedies for Damages Pertaining to XXXX XXXX Account # XXXX To Whom It XXXX Concern, I am writing this letter to address a matter of significant concern regarding the continual reporting of inaccurate, unverified, and incomplete account information on my Equifax credit report. This correspondence specifically relates to the account named XXXX XXXX, with the account number ending in XXXX. 

Despite my recent dispute initiated on XX/XX/XXXX, I am dismayed to find that the aforementioned account is now appearing on my report without an indication of it being disputed. Furthermore, upon careful review of my most recent credit report, it is evident that Equifax continues to negligently furnish inaccurate and incomplete information about this account. 

Herein are the specific discrepancies that I have identified : 1. Date of First Delinquency : It is inaccurately listed as XX/XX/XXXX, which is inconsistent with the payment history that depicts pays as agreed as of XX/XX/XXXX. This contradiction is misleading and reflects negatively on my creditworthiness.

2. Date of Last Activity : This critical piece of information is conspicuously missing ( No Data ), thereby rendering the account information incomplete and not reflective of the true status of the account. 

This continued negligence and non-compliance with the mandates of the Fair Credit Reporting Act ( FCRA ) are distressing and unlawful. Specifically, these actions are in direct violation of 15 U.S.C. 1681i, which requires prompt investigation and correction or deletion of any inaccurate or unverified information.

Additionally, the persistent reporting of this inaccurate and incomplete account by Equifax constitutes negligent non-compliance pursuant to FCRA Section 617 and infringes upon my consumer rights as governed by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: OH

Complaint narrative:
I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX 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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
A series of fraudulent transactions were identified and reported in my checking account with XXXX, unauthorized AmEx XXXX, XXXX transactions XXXX totaling {$2100.00} were denied for reimbursement, beyond the " XXXX Reg E time limitation ''. Another XXXX unauthorized transactions totaling {$3800.00} which were reported within the XXXX limit were reimbursed. 

Of the denied transactions, I requested the ACH details, I have the ACH transaction trace number and requested AmericanExpress locate the transactions. American Express did not find record of the payments in my AmEx account ( not a surprise, they were fraudulent ). I asked to locate by trace number instead and they claim they are unable to locate transactions that way, only by account number and continue to redirect me back to work with the debit institution ( XXXX ), who keeps refusing as its beyond the XXXX XXXX time limitation. 

Clearly money was removed from my XXXX checking account, it apparently was routed to AmEx, we have the unique trace number, AmEx should be able to find the account and owner where the funds were deposited, but I am unable to get XXXX nor AmEx to actually trace where the money went so we can initiate recovery. Incredibly frustrating that we have the unique identifier to trace the questionable transaction yet both banks are refusing to engage, claiming a regulatory exemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. XXXX XXXX , XXXX XXXX XXXX , XXXX. XXXX, XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX  I was denied a car loan bcz of collections on my report. I knew nothing of this. Noticed 3 unfamiliar single family addresses listed on my report. My report was/always supposed to be FROZEN. One I noticed back in XXXX was an address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Soon after I receive a call from the FBI XXXX XXXX division stating someone was trying to use 2 old credit cards of mine tht were closed. So we made a report to Victims Identity Fraud and received a victims id # to report anything else suspicious. As well as reported it to the FBI XXXX division which is where I live and have lived in the state of GA since the age of XXXX. Then again in XXXX I noticed another wrong/unknown address on my report. An address listed as XXXX XXXX XXXX XXXX MICHIGAN. Once again I disputed it, it was removed from my credit report. Then shortly after I receive the first collections notice ever in my XXXX of life stating I owe a company in MICHIGAN over {$10000.00} in past due payments for rent. So after that I see yet another wrong/unknown address on my report as XXXX XXXX XXXX XXXX XXXX MICHIGAN XXXX Then I receive yet another collections agency stating I owed " XXXX XXXX '' over {$17000.00}?! THen yet again another collections agency stating I owed a XXXX XXXX yet Again in MICHIGAN almost {$800.00} in past due bills. I've ever done business nor have I ever lived in the state of MICHIGAN. How are you gon na deal with this TRANSUNION?!

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