vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
Charles Schwab is refusing to credit my account with the amount that was wrongfully taken from me. On XXXX I was charged XXXX twice for a faulty timed out pos system. No immediate action was taken to resolve my complaint. The business that charged me twice regularly scams Americans using a faulty pos system.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
Got behind on my account and tried to work out something but they said no plan was available to assist me .Even tho they sent me emails to the contrary. So far, they have added 3 late fees to my account, {$41.00} x 3. Spoke with them on Thursday, XX/XX/2024. Their non action/no help, caused my credit report to drop by XXXX points and they restricted my account. I told them I was willing to work out a payment arrange but they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: KY

Complaint narrative:
I left a debt management program due to receiving settlement offers from the creditors. When leaving the program, any remaining funds are refunded to the customer. I was charged a " settlement fee '' for the exact amount I had in my account plus an additional fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act of XXXX account # 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 explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, With transunion I have submitted XXXX disputes regarding improper reporting of my credit report. I have contact my creditor they stated I did not miss payment, when attempting to call transunion all correspondance are blocked or not going through. Chat support contiously refuses to answer my questions directly when attempting to resolve my issue. They have failed to make corrections to my credit score stating that I missed a payment within XXXX  days XXXX. Credit reporting and updates are provided on a month to month basis and they reflected my credt score based on XXXX  when my account are up to date and paid. My credit score dropped XXXX points due error and incorrect reporting on either the creditor or the bereau. I would like all credit bereaus evalulated to assure that everything is corrected back to its orginal status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have identified inaccuracies in my XXXX Report that do not belong to me, indicating potential fraudulent activity. I have made diligent efforts to rectify this issue by engaging in written communication with XXXX. Despite my attempts to address the matter through mail communications, XXXX has been unwilling to comply with federal law and correct the inaccuracies. I am attaching proof of my attempts to resolve the issue through documented mail communications. This evidence highlights my commitment to rectifying the inaccuracies on my credit report and demonstrates XXXX 's non-compliance with federal regulations. I kindly request your intervention in this matter to ensure the prompt correction of the inaccurate information on my credit report. Your assistance in resolving this issue is greatly appreciated, as it is adversely affecting my financial standing and integrity. 
Thank you for your attention to this matter, and I look forward to your guidance on the necessary steps to address and rectify this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Thousands of students were scammed by XXXX into taking out predatory private loans to attend for profit online schools such as the one I attended, ( insert your school here ). As a matter of fact, ( school name ) was investigated by ( insert your story here ). 
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as ( your school ), I was able to file a Borrower Defense claim with the Dept. of Education against ( your school ), and my Fed. loans of ( $ dollar amount ) were discharged and my credit repaired.

My Borrower Defense Claim was also part of the XXXX XXXX XXXX settlement for which I was a full class member. 
I am aware that XXXX was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for XXXX, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't XXXX also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which XXXX is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? XXXX knows who we are. Under the FTC " Holder Rule '' XXXX is liable for giving predatory loans in connection with online for-profit schools. Time is running out for XXXX to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator Elizabeth Warren has sent a letter to XXXX 's CEO asking to discharge these loans NOW! It's time XXXX do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CO

Complaint narrative:
Yesterday on XX/XX/2024, I received a phone call from IQdata, a debt collector saying that I owe about {$1500.00} early termination fee from an apartment complex I previously lived at. I am sure that the rental company did charge these fees, and that I do owe them, although I did not get notice of these fees and was removed from the portal in which I would pay them, I had paid my portal to {$0.00} prior to moving out, assuming those were my total move out fees. The woman calling me told me that she could put a hold on sending this to collections for 24 hours, so I could figure out how to pay the debt. She told me to pull out a credit card or a loan. I complied and applied for the card, which was approved. I called her back on XX/XX/2024, to tell her and informed that I was approved and could activate the card after it arrived in a week or XXXX to pay this. She said I have till XX/XX/2024 before they send it collections, XXXX total days. It was also mentioned that they work off of the calendar month, not the date of notice. Then she told me to apply for a loan, all of these things pushing me further into debt and affecting my credit score due to her recommendations. I asked why I was never provided with a written notice and why I didn't have the 30 days after being informed that's outlined by the Consumer Financial Protection Bureau. She said that notices had been sent out, yet I have not received them. My address has been forwarded to my new address via the US postal service since my move. I have been told that it doesn't matter if I received the letters for validation or not, I have 5 days to pay it before it is sent to affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
Data breach XXXX compensation per violation immediate payment check sent to XXXX XXXX XXXX san franciaco.I recieved an email confirmation that my information was compromised in the data leak. I have never gave permission or consent to any agency to report on my behalf. Immediately remove all negative items! have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major XXXX XXXX Equifax, and others I have submitted XXXX XXXX letters of challenge and compliance with no response for months now. I just sent out last week round XXXX of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round XXXX letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: MS

Complaint narrative:
I am the author of this complaint. 

I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I have to relocate within the next 30 days and this company has caused me great harm and inconvenience. 

I paid an application fee to XXXX XXXX XXXX but ultimtely decided not to move forward with moving in. XXXX XXXX XXXX reimbursed me the application fee via check in the mail but now they are making collection attempts and reporting on my credit report. 

This company is reporting on my credit report falsely, inaccurately, and fraudulently. I exercise my right to opt out of all reporting from this company to my credit report and I exercise my rights under the Fair Credit Reporting Act to have this account removed 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 2024-04-25 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: MS

Complaint narrative:
I am the author of this complaint. 

I applied for an apartment and was denied due to an account being on my credit report. The leasing manager reached out to me and told me that XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) was the account responsible for my denial. I have to relocate within the next 30 days and this company has caused me great harm and inconvenience. 

I paid an application fee to XXXX XXXX XXXX but ultimtely decided not to move forward with moving in. XXXX XXXX XXXX reimbursed me the application fee via check in the mail but now they are making collection attempts and reporting on my credit report. 

This company is reporting on my credit report falsely, inaccurately, and fraudulently. I exercise my right to opt out of all reporting from this company to my credit report and I exercise my rights under the Fair Credit Reporting Act to have this account removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
Dispute Letter to Credit Collection Services Company LLC and CFPB Complaint Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/2024 Credit Collection Services Company LLC XXXX XXXX, State Zip Code RE : Dispute of Debt and CFPB Complaint Notice Dear Credit Collection Services Company LLC , This letter serves two purposes : Dispute of Debt : I am writing to formally dispute the debt you are attempting to collect from me. I am unaware of this debt and have no recollection of incurring it. 
CFPB Complaint Notice : I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your debt collection practices. 
Debt Dispute : I have not received any prior communication regarding this alleged debt. 
I request written validation of the debt, including the original creditor, the amount of the debt, and the date the debt was incurred. 
Additionally, I request a copy of the purchase agreement between you and the original creditor, along with proof that Credit Collection Services Company LLC is licensed and bonded in my state. 
CFPB Complaint : My complaint alleges that your debt collection practices violate the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : 12 CFR 1006.34 ( b ) ( 5 ) : I have not been given the opportunity to dispute this debt. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I did not receive proper notification of this debt. If you believe I did receive notification, please provide a copy of the certified receipt with my signature. 
12 CFR 1006.34 ( d ) : You have not ceased communication attempts despite my request in writing. 
15 USC 1681 - 2 ( 7 ) ( a ) : You have not responded to previous attempts to communicate regarding this debt. 
Request for Response : I demand a written response to this letter within 15 days of the date it is received. Your response should include the validation information requested and a confirmation that you will cease all communication attempts until this dispute is resolved. 
Please be aware that your silence will be considered acquiescence to my claims. 
I will also be filing a complaint with the CFPB regarding these violations. You can find more information about the CFPB 's complaint process at https : //www.consumerfinance.gov/. 

Sincerely, XXXX XXXX XXXX Note : I have included the relevant code sections from the Fair Debt Collection Practices Act ( FDCPA )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, With XXXX I have submitted XXXX disputes regarding improper reporting of my credit report. I have contact my creditor they stated I did not miss payment, when attempting to call XXXX  all correspondance are blocked or not going through. Chat support contiously refuses to answer my questions directly when attempting to resolve my issue. They have failed to make corrections to my credit score stating that I missed a payment within XXXX  days XXXX. Credit reporting and updates are provided on a month to month basis and they reflected my credt score based on XXXX  when my account are up to date and paid. My credit score dropped XXXX points due error and incorrect reporting on either the creditor or the bereau. I would like all credit bereaus evalulated to assure that everything is corrected back to its orginal status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: AR

Complaint narrative:
Company has harassed me about this debt via calls, text and emails. Even called my job and Sold my information to a third party. I didn't consent to anything this has gone on since XX/XX/2022. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I am writing to address the persistent issues in my ongoing dispute, as detailed in my previous letters. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX And the following unauthorized Inquiries : XXXX XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ), XXXX XXXX XXXX XXXXXXXX XXXX ( Bank ), XXXX XXXX XXXX XXXX ( Bank ), XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX ), XXXX XXXX  XXXX ( Miscellaneous ), XXXX XXXX XXXX XXXXXXXX I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer. 
* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions.

* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate.

I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.

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