vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-03 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Law Offices of Jennifer McCoy, PC
State: TN

Complaint narrative:
These people have identified themselves as a collection agency and or law firm attempting to collect a debt. They have sent paperwork to our home claiming that there is a debt owed by a deceased family member. They were notified that the person who they were seeking to collect the debt from is deceased. Shortly after that they renamed the account to include not only the deceased persons name but also that persons sons name onto the paperwork. Essentially there are two different names placed onto the account. They seem to not have enough information to identify who it is that they are trying to say owes the debt and they want someone to claim a debt that has been titled under two different names. This does not seem to be common practice as the first thing essential to seeking a debt is to first identify the person who they claim owes the debt. We made a telephone call to the company and after a short conversation there has been doubt raised as to the validity of this company. They were asked a few questions regarding very basic collection laws that were answered incorrectly. I would like to make a report of potential attempted fraud,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-03 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIDELITY CAPITAL HOLDINGS, INC
State: GA

Complaint narrative:
I am writing to dispute the validity of a collection account that has appeared on my credit report. The account is listed with account number XXXX, and I have no knowledge of this account. It has come to my attention that this account is a result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ), I have the right to request detailed information regarding this alleged debt. Specifically, I request the following : 1. The original contract or agreement pertaining to this account, along with any application bearing my wet signature.

2. Documentation proving that I am responsible for this debt.

3. The complete account history and transaction records associated with this 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 2023-10-03 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: NJ

Complaint narrative:
I graduated in XX/XX/2023. Therefore, I am legally entitled to a grace period terminating on XX/XX/2023, for my direct loans. Similarly, I am legally entitled to a deferment for my XXXX XXXX loans terminating on XX/XX/2023. 

I have ten outstanding federal loans with my loan servicer, Aidvantage. Nine of those loans were successfully marked as being in deferment and/or in their grace period. However, one loan was not listed as being in deferment and showed a payment due. On XX/XX/XXXX, I called regarding the erroneous loan status. They told me they requested a ticket and it should be fixed in a week. 

I called a week later on XX/XX/2023, as the error on my account was STILL not fixed. Instead of offering assistance, or rectifying the situation, the customer service agent told ME to have patience with the agency and to expect the issue to be corrected by XX/XX/2023. I requested to speak to her supervisor in an attempt to expedite the fix, but I was placed on a long hold before the call was intentionally terminated. 

I checked and as of this morning, all of my loans have been pulled out of their grace period/ deferment status and ALL are displaying a payment due in two weeks. I'm not sure if this is some retaliation for my persistent calling, or if this is simply yet again another error with Aidvantage 's service. 

I feel so helpless, so frustrated, and so taken advantage of. I am a former homeless youth. I was forced to take out Federal loans as the only option to pay for school, and now I have been violated by predatory loan servicers ( on top of grotesque interest rates ) at the hands of the Federal government. This was an error on my account, entirely the fault of the servicer, and now my credit is going to take a hit. This is so unbelievably wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am making this statement as a Notary Public for and by the State of California ; After speaking with " XXXX, '' she has has confirmed that my home WILL NOT be part of the Loan Recast program as I have requested. My goal is to pay the overage amounts to the escrow account in order to lower the monthly payment DOWN from the current {$2700.00} to {$2600.00} starting in XX/XX/2023. In the new year, I want to re-assess my mortgage account every month until the payment is back down to around {$2000.00} / month - given that my home has actually gone down in value over the last year.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2023-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Friday XX/XX/XXXX at XXXX XXXX. C.S.T. My wife, XXXX XXXX, who is on the account, deposted {$950.00} Cash at an ATM located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, United States. The ATM had just gotten repaired by a repair tech. She was in the other line, and he flagged her to come over. She asked if it was good to go and he said yes. He watched as she deposted {$950.00} Cash. There were FOUR {$100.00} bills, and the rest was {$20.00} and one {$10.00} bill. During the deposit, the ATM machined malfunctioned and the repair tech said, " that's not supposed to happen ''. The cash did not deposit to our account. The ATM did not produce a receipt or any paper document stating what happened. The repair tech said he will put the money aside to a separate area inside the ATM room so it can be deposited/ returned by a Capital One employee. My wife called me, XXXX XXXX, the husband and I left work early to come assist with the situation. The repair was locked inside the room and would not come out to talk. I could see he had the ATM pulled open from the back and was on the phone with someone. A short time after, another repair tech came up and spoke to us. He said he can not return the money, or take our information because he works for capital one, not me. While there, I called capital one and made a claim. The number is XXXX. Since then the only correspondence I have received is an email stating they are working on the claim. This is the most unprofessional experience I have ever gone through. Capital one is not helping resolve the issue. Someone should have already gone to that ATM and gotten our money out. It has been 4 days since the incident and not one person has reached out to us. At this point, I consider it stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-10-03 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: OH

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I viewed a copy of my credit report in XXXX of 2023 and noticed that there were some unauthorized and unverified inquiries on my credit report. I reached out to all three of the major credit bureaus which are XXXX, XXXX and XXXX to request these inquiries be deleted. They all stated that I would have to file a report with the FTC identity theft, for these inquiries to be investigated and possibly removed. I have taken these steps and followed the advice that was given to me by the representative at the Credit Bureau 's.

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 2023-10-03 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2023-10-03 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: GA

Complaint narrative:
I am writing to dispute the collection account on my credit report, XXXX XXXX XXXX XXXX, which is a result of identity theft. I have no knowledge or involvement in this account.

I demand that you provide : 1. Documentation of the original contract bearing my signature, validating my responsibility for this debt.

2. Proof of my involvement or association with the account in question.

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 2023-10-03 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: CA

Complaint narrative:
There are some unauthorized inquiries that I don't recognized. I already disputed these inquiries to the 3 credit bureaus but the investigation did not fix the errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Capital Group, Inc.
State: TX

Complaint narrative:
I have submitted a report through the identity theft department. Attached are accounts not authorized by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened an account to fund, last week. they claimed they called left a voice mail and set me a letter. never got a voicemail or a letter for the verification. i have now decided to open a different checking account with a complete different bank. i asked them to allow me into MY OWN ACCOUNT to get MY money to transfer it to close this account with them today. they have since claimed they cant transfer MY MONEY. and now wont let me make a user id to get into the account to do the transfer myself. they wont let me in my account with my own money and refusing to give me the bank office to call me verify my identity give me my money and close my account with citi 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