vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: AZ

Complaint narrative:
XXXX XXXX is a division of XXXX that either no longer exists or is not providing meaningful service. 
They discontinued tower service on a device I had. 
Their customer service division provides misinformation, doesn't answer the phone, hangs up. 
Information can not be found on the internet. 

The point of sale ( XXXX ) store refused to take device back and refused to close account. 

Basically, XXXX XXXX refuses to close accounts- even when they no longer provide a service. 

XXXX XXXXXXXX nonetheless continues to bill, after mail and in person notification of intent to close account. 

Eventually bills are turned over bill to : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX I don't necessarily have a complaint against this agencies. Except they are buying debt from broken companies. 

Obviously, I am not going to pay this egregious fraud. 

But my credit score is being damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Did not receive any correspondence. Per the Fair Debt Collection Practices Act, 15 USC Section1692C, requires that you honor my request to remove.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
This company calls consistently. I understand that my payment is late, I am very much aware but the excessively overwhelming phone calls are unnecessary. My cosigner also receive calls and we get emails. It is overbearing. As early in the morning to as late as they can they call and multiple times per day from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-09-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 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: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I initiatiated two transfers from XXXX XXXX to Ally Bank. 

Transaction ID XXXX for {$16000.00} to Ally Bank Account XXXX XXXX Transaction id XXXX for {$5000.00} to Ally Bank Account Number XXXX Ally rejected the ACH transfers. 

The XXXX ACH was rejected by XXXX XXXX  for insufficient funds and the money was returned to XXXX XXXX  and thus to me. 

The XXXX was rejected by Ally but the funds were not returned to my XXXX XXXX account we don't know why. 

I disputed the ACH with XXXX XXXX  who rejected it because they couldnt return it without permission from Ally because it was it was authorized, but it did not go thru. 

XXXX XXXX  called XXXX who told XXXX XXXX  to open a case and they confirmed that the money was credited to a settlement account at Ally on XX/XX/30. 

On XX/XX/XXXX, I had a call with XXXX XXXX  and Ally and a case was opened with the Ally ACH department and I was promised communication within 48 hours, never heard from them. 

On XX/XX/XXXX, XXXX XXXX  and I called Ally again, and they promised to fax a letter giving permission to return the ACH to Ally. 

At this point, I'm appalled with Ally and their lack of concern for resolving the situation. They have a responsibility to do the right thing and do it in a prompt manner.

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 2024-09-13 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: MI

Complaint narrative:
There was a XXXX XXXX credit account fraudulently opened and hard inquiries recently added to my credit report. We already had this XXXX XXXX deleted now it's back. I filed a complaint wuth the FTC and attached the report report. 
accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.

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 2024-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC
State: OH

Complaint narrative:
I totaled a vehicle on XX/XX/XXXX of XXXX, the loan was paid off by XXXX within XXXX weeks at the total pay off price. There is a XXXX balance on the loan. I was then told by XXXX in XXXX that I could cancel my warranty that I bought with the refinance. I called The savings group on XX/XX/XXXX and cancelled my policy, the policy holder XXXX XXXX XXXX then cancelled the policy and sent the savings group an XXXX payment of {$1100.00}. 
The savings group then issued XXXX a check for {$2200.00} and it was received by flagship credit acceptance on XX/XX/XXXX. It was cashed by them and applied to my PAID OFF loan on XX/XX/XXXX. I spoke with a Customer service Supervisor with flagship today XX/XX/XXXX her name was XXXX and her EID is XXXX. She told me that flagship now has XXXX more days to issue me the refund from their end. She can not provide any paperwork stating this time frame. I was told by The XXXX XXXX XXXX XXXX department who issues the check that from XX/XX/XXXX I should have the check for the amount of {$2200.00}. Flagship is not willing to escalate this issue and issue my check. They confirmed the check has been applied to my paid off account. It has been over the XXXX week time frame now and flagship will not release the funds owed to me.

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 2024-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was a customer with XXXX XXXX XXXX XXXX  card for over a decade. I was never late making payments. In XXXX of XXXX, they forced customers to move to electronic payment notifications. Keeping receiving a paper bill would have resulted in a charge. Most companies are very effective with delivering electronic bill notifications, so I didn't request a paper bill - since paying for getting a bill is an unfair practice and no other company does it, in my experience. 

XXXX is extremely ineffective with delivering electronic alerts. I did not receive XXXX in XXXX, and in XXXX which resulted in delayed payments. They waived the late fee in XXXX, but are refusing to waive it for XXXX. I believe it's customer XXXX- they force customer into an e-bill, and fail to provide consistent communications so they can charge customers late fees. Then they report a customer to credit bureau. I'd like to make sure other customers are aware of these unfair and XXXX  practices.

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 2024-09-13 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: IL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
I attended XXXX XXXX XXXX ( a XXXX school in XXXX  ) XXXX XX/XX/XXXX to XX/XX/XXXX. 

During that entire time, I lived in XXXX. ( In XX/XX/XXXX, after living for 31 years in XXXX, due to the fraudulent accreditation representations of my school, I had to move to the XXXX because after 2 years of job searching it was the only place I could find a XXXX XXXX. ) On XX/XX/XXXX my federal student loans for that school were discharged by the Department of Education under the Borrowers Defense Loan Discharge Program per the XXXX XXXX XXXXXXXX settlement. I had applied for that discharge on XX/XX/XXXX. My discharge application included 22 sets of legal files, including depositions, proving that the school had misrepresented its accreditation. If needed, I can provide those. 

By XXXX, according to the documentation I provided the court, attending and graduating from XXXX had caused me to lose more than {$430000.00} in income and that was 11 years ago. Since then, the inability to license at my training level ( XXXX  ) due to XXXX misrepresentations about its accreditation has cost me hundreds of thousands more, as well as having to leave XXXX. 

I learned, for the first time, on XX/XX/XXXX that the private loan Navient held that I took out to attend XXXX XXXX XXXX can also be discharged. I had never received any notification from Navient that this might be possible, so I had continued to pay my loan. 

I immediately contacted Navient on XX/XX/XXXX and requested a School Misconduct Discharge Application. Navient denied that request, stating I was not eligible because I had paid off the Navient loan. 

They wrote : Thank you for inquiring about a school misconduct discharge for your private loans. We have determined that your private loans are not eligible because they are no longer outstanding and have been paid in full. 

I had continued paying, and eventually paid off that loan on XX/XX/XXXX because I did not know there had been a discharge process in place since XX/XX/XXXX. 

The Navient loan was a private, direct-to-school loan and XXXX XXXX XXXX is XXXX XXXX XXXX in XXXX, XXXX. 

The original loan was in the amount of {$26000.00}. 
It was disbursed in XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
On XX/XX/XXXX an additional repayment fee of {$930.00} was added to the loan. 
As stated, during that entire time, I was living in XXXX. 

I have paid this loan in full. 
The total I paid, with interest ( {>= $1,000,000} ) and the repayment fee, totals {$51000.00}. 
This amount needs to be refunded. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2024-09-13 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: GA

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-13 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: TX

Complaint narrative:
This account was charged off on the following date ( XXXX, XXXX  ) since then this account has incorrectly been reported as a charged off account with a balance due. A charge off account should NOT have a past due balance. This inaccurate information is highly injurious to my ability to obtain credit. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX  XXXX Account number 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 2024-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against Bank of America regarding the unauthorized removal of my name from a company checking account without my consent and with falsified documentation. I believe these actions are a violation of banking regulations and consumer protection laws. 

Details of the Incident are available when needed. 


On XX/XX/year>, I discovered that I was removed as an authorized signer from the company checking account at Bank of America without my knowledge or consent. In fact, earlier in the day I specifically stated that I DID NOT give consent. Upon further investigation, it became clear that the bank processed this removal based on falsified or inaccurate documentation that I never signed or approved. 
The removal of my access to this account has caused significant disruption to the companys financial operations and has put both my personal and professional interests at risk. 
3. Attempts to Resolve : I have reached out to Bank of America multiple times to rectify this situation. I requested a review of the documentation used to remove me from the account, and it was clear that the signatures and authorizations provided were falsified. Despite presenting this evidence to the bank, they have failed to restore my access or take corrective action.

4. Impact of the Incident : Inability to manage company and personal finances ( due to linked accounts ) and make necessary payments. 
Risk of financial loss and damage to my professional reputation. 
Emotional distress due to the mishandling of the situation and ongoing delays in resolving the matter. 

Resolution Requested : I am seeking the following from the CFPB and Bank of America : Immediate reinstatement as an authorized signer on the company checking account.

A full investigation into the falsified documentation used to remove me from the account.

Compensation for any financial loss or damages incurred as a result of this unauthorized action.

Assurance that corrective measures are taken to prevent such incidents from happening in the future. 

I have relevant documents, including account statements and my correspondence with Bank of America, to support my complaint. Please let me know if additional information is required. 

Thank you for your attention to this matter. I trust that the CFPB will help ensure that Bank of America is held accountable for this mishandling of my account.

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 2024-09-13 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: OH

Complaint narrative:
The listed creditors are not related to me, and I have no involvement with them.

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 2024-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
This complaint is against Exeter Finance. On XX/XX/year>, the final payment of {$280.00} should have been drafted. They stopped my auto draft, and sent a letter apparently to an address that I haven't live at for 30 years. They have my correct address. They never called to say the payment was late, nor did they assess a late fee. I found out about the late payment when it hit my credit report. My payments have been on auto draft for 6 years and I have faithfully paid on time. They intentionally failed to take the last payment. Additionally, I never received my title.

Company response to consumer: Closed with explanation