vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 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: NC

Complaint narrative:
On XX/XX/year>, I received a document from Aidvantage saying that my student loans were placed into a forbearance due to the issues with the XXXX program and my interest rate would be set to 0 % and I would not accumulate interest during this time. However, I recently checked my balance and found that I have accumulated interest. I have not received any sort of documentation or notification stating that my interest rate had changed and that I had begun accumulating interest once again. I do not even know my current interest rate. My notifications show a 0 % capitalized interest rate and yet my balance keeps growing even though I have been making additional payments that are not required at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-01-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: ID

Complaint narrative:
I moved in XXXX of 2024 and tried to return equipment to XXXX who refused return of equipment. 
On XX/XX/year> XXXX charged my account {$100.00} due to alleged unreturned cable modem. I disputed that with my credit card company. XXXX failed to provide support or address dispute with Credit card company. 

I was able to return equipment on XX/XX/year> and obtained receipt for returned equipment ( uploaded as evidence ). 

Instead of confirming receipt of equipment and no balance owed, XXXX charged my credit card again with a higher amount on XX/XX/year> for {$120.00} because I disputed the original amount with my credit card. 

I disputed the second charge again with my credit card and again, XXXX failed to provide support for amount owed. XXXX then tried charging another {$140.00} because I disputed the original amounts then sent the amount to debt collection agency. 

I provided receipt of returned equipment and advised I owed {$0.00} to XXXX to debt collection agency ( credit collection service ). They failed to provide support or basis for any alleged amount owed. They disregarded my information provided/request for additional information in XXXX of 2024. They then reported unpaid debt in collections anyway, despite the debt not being legitimately owed. 

XXXX to this day acknowledges {$0.00} owed but still has debt in collections and collections agency refuses to update credit report.

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 2025-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Filed to dispute a charge on XX/XX/year> for {$770.00} and SOFI bank has failed to provide me with any information besides telling me it's " being handled by their back office ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am in need of help because I have asked this company to stop calling me while I am at work. They repeatedly call when it is inconvenient for me. I feel harassed by this debt collector. Despite me telling them they have not stopped. I have a recording of me telling them it is a bad time to call and a screenshot showing the time they are calling me. 

I looked up this law 15 USC 1692 which is the FDCPA and section 1692c ( a ) ( 1 ) it says- at any unusual time or place or a time or place know, or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumers location.

Which means that if I told them not to call because it was not a good time, they should know it's very inconvenient.

They also violated me again under the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX Equifax credit burau XXXX XXXX XXXX XXXX, GA XXXX Dispute of debt and request for validation I am writting regarding your recent communication concerning an alleged debt. I am disputing the validity of this debt under the fair debt collection practice Act ( FDCPA ) 15 U.S.C & 1692g, and I am requesting that you provide validation of the debt as required by law.

Please provide the following information : 1. The name of the original creditor.

2. The amount of the debt, including a detailed breakdown of any fees, interest, or other charges.

3. Verification that you are legally authorized to collect this debt.

4. Copies of any documents or agreements that demonstrate i am legally obligated to pay this debt. 

Additionally, I request that you Cease all collection efforts, including phone calls, until this debt has been validated. Be advised that any further contact attempting to collect this debt without proper validation will be considered a violation of the FDCPA, and I reserve the right to file a formal complaint with the consumer financial protection bureau ( CFPB ) and other relevant authorities. 

Please respond to this request in writting within 30 days from the date you receive this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: FL

Complaint narrative:
To Whom It May Concern ], This letter serves as formal notice that you must immediately cease and desist from engaging in the following activities that are in violation of [ state relevant laws, rights, or agreements ] : Description of the Issue [ Clearly outline the conduct or behavior you wish to stop. Be specific, e.g., unauthorized use of copyrighted materials, defamatory statements, or harassment. ] Explanation of Violation [ Briefly explain why the behavior or action is unlawful, harmful, or inappropriate. Cite any laws, agreements, or rights being infringed, if applicable. ] This conduct has caused and continues to cause harm, including but not limited to [ list any damages or harm suffered, such as financial loss, reputational damage, or emotional distress ].

According to FCRA Section 605B it is illegal to report anthing on my credit report without Repost to followers my permissionCreditPlense remove this negative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I called Transunion, XXXX, and XXXX today kindly asking them to remove the multitude of unauthorized inquiries that were placed on my credit report without my consent. I believe I am a victim of idendity fraud over the past few years regarding certain accounts. Most specifically for a car, and some other accounts. In the past, I discussed the potential of purchasing a car with companies in the past, and did a lot of research with these companies, however I never authorized them to run my credit, because I knew I wasn't financially ready to actually make a purchase. I have noticed over XXXX different XXXX  inquires throughout all 3 bureues that I never authorized, that are severely hurting my report, and I never purchased a new vehicle. Also, there are unauthorized accounts that I have noticed on my credit report as well. I was denied the ability for the credit bureaus to delete this information when I asked via phone, therefore this is the reason for my request. I appreciate your time in this matter, and thank you for assistance. 

( This is an addendum from my last file, as I did not add all the credit bureaus that I attempting to correct my information )

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 2025-01-10 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I called XXXX, Equifax, and XXXX today kindly asking them to remove the multitude of unauthorized inquiries that were placed on my credit report without my consent. I believe I am a victim of idendity fraud over the past few years regarding certain accounts. Most specifically for a car, and some other accounts. In the past, I discussed the potential of purchasing a car with companies in the past, and did a lot of research with these companies, however I never authorized them to run my credit, because I knew I wasn't financially ready to actually make a purchase. I have noticed over XXXX different XXXX  inquires throughout all 3 bureues that I never authorized, that are severely hurting my report, and I never purchased a new vehicle. Also, there are unauthorized accounts that I have noticed on my credit report as well. I was denied the ability for the credit bureaus to delete this information when I asked via phone, therefore this is the reason for my request. I appreciate your time in this matter, and thank you for assistance. 

( This is an addendum from my last file, as I did not add all the credit bureaus that I attempting to correct my information )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 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: MD

Complaint narrative:
I called XXXX, XXXX, and Experian today kindly asking them to remove the multitude of unauthorized inquiries that were placed on my credit report without my consent. I believe I am a victim of idendity fraud over the past few years regarding certain accounts. Most specifically for a car, and some other accounts. In the past, I discussed the potential of purchasing a car with companies in the past, and did a lot of research with these companies, however I never authorized them to run my credit, because I knew I wasn't financially ready to actually make a purchase. I have noticed over XXXX different Care inquires throughout all 3 bureues that I never authorized, that are severely hurting my report, and I never purchased a new vehicle. Also, there are unauthorized accounts that I have noticed on my credit report as well. I was denied the ability for the credit bureaus to delete this information when I asked via phone, therefore this is the reason for my request. I appreciate your time in this matter, and thank you for assistance. 

( This is an addendum from my last file, as I did not add all the credit bureaus that I attempting to correct my information )

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 2025-01-10 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I have tried to resolve this issue with this debt collecting company and they have yet to delete the item from my credit report. I have reached out multiple times and they have shown no proof off who acquired this account. This account also shows false information from one one bureau. I have multiple inquiries which I am not aware of. Only being reported through XXXX. 

XX/XX/year> NAVY FCU XX/XX/year> NAVY FCU ( two on this date ) XX/XX/year> NAVY FCU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CT

Complaint narrative:
I complained about unusable four visa gift cards to two representatives from Incomm ( case # XXXX and case # XXXX ) in last XXXX and XXXX. Both promised to issue a refund check. It has been more than one month now, and I have received nothing. Please deliver on your promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Charge Off XXXX XXXX XXXX XXXX XXXX  {$1200.00} Inquiry XXXXXXXX XXXX XXXX XXXX  Personal Information Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year>

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 2025-01-10 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: FL

Complaint narrative:
Formal Complaint Against XXXX, TransUnion, XXXX, and the CFPB Subject : Ongoing Failure to Investigate Disputes and Enforce FCRA Compliance Escalated to Florida Attorney General and Media Complaint : I am filing this formal complaint against XXXX, TransUnion, XXXX, and the Consumer Financial Protection Bureau ( CFPB ) for their continued failure to properly investigate and correct inaccurate late payments reported on my credit reports for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For over two years, I have submitted numerous disputes to all three credit bureaus and provided substantial documentation proving that these 10+ late payments are inaccurate. Despite my repeated efforts, the credit bureaus have failed to properly investigate or correct these errors, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have filed multiple complaints with the CFPB and sent certified letters directly to the CFPB CEO, yet no meaningful action has been taken to enforce compliance with federal law. The ongoing CFPB lawsuit against XXXX further confirms that credit bureaus are not being held accountable for failing to conduct proper dispute investigations.

Due to the continued inaction and failure to protect my rights, I have already sent a certified letter to the Florida Attorney Generals Office and have contacted media outlets in Florida to bring attention to this situation. The mishandling of this matter by the credit bureaus and the CFPB demonstrates a clear failure to enforce the consumer protection laws that are meant to safeguard citizens in the state of Florida.

These actions violate the following provisions of the FCRA : 1. 15 USC 1681e ( b ) : Failure to ensure the maximum possible accuracy of the information reported.

2. 15 USC 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation of disputed information.

3. 15 USC 1681c ( a ) : Continued reporting of inaccurate and unverifiable information.

The late payments reported are also inconsistent across the three bureaus. XXXX reports fewer late payments than TransUnion and XXXX, further proving that none of the bureaus have conducted proper investigations.

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 2025-01-10 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:
Formal Complaint Against XXXX, XXXX, Equifax, and the CFPB Subject : Ongoing Failure to Investigate Disputes and Enforce FCRA Compliance Escalated to Florida Attorney General and Media Complaint : I am filing this formal complaint against XXXX, XXXX, Equifax, and the Consumer Financial Protection Bureau ( CFPB ) for their continued failure to properly investigate and correct inaccurate late payments reported on my credit reports for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For over two years, I have submitted numerous disputes to all three credit bureaus and provided substantial documentation proving that these 10+ late payments are inaccurate. Despite my repeated efforts, the credit bureaus have failed to properly investigate or correct these errors, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, I have filed multiple complaints with the CFPB and sent certified letters directly to the CFPB CEO, yet no meaningful action has been taken to enforce compliance with federal law. The ongoing CFPB lawsuit against XXXX further confirms that credit bureaus are not being held accountable for failing to conduct proper dispute investigations.

Due to the continued inaction and failure to protect my rights, I have already sent a certified letter to the Florida Attorney Generals Office and have contacted media outlets in Florida to bring attention to this situation. The mishandling of this matter by the credit bureaus and the CFPB demonstrates a clear failure to enforce the consumer protection laws that are meant to safeguard citizens in the state of Florida.

These actions violate the following provisions of the FCRA : 1. 15 USC 1681e ( b ) : Failure to ensure the maximum possible accuracy of the information reported.

2. 15 USC 1681i ( a ) : Failure to conduct a reasonable and timely reinvestigation of disputed information.

3. 15 USC 1681c ( a ) : Continued reporting of inaccurate and unverifiable information.

The late payments reported are also inconsistent across the three bureaus. XXXX reports fewer late payments than XXXX and Equifax, further proving that none of the bureaus have conducted proper investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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