vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
XX/XX/2024 I have been contacted by a collection receivable company and informed that I have to pay {$1300.00} for breaking the lease with the gym. I explained that I have already contacted the fitness company to provide them with a medical report advising that my wife and I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they refused and insisted that I am bound by the contract and must pay. Additionally, this fitness company has not been honest. When I first visited them and mentioned that I might need to cancel anytime due to my back issues, they assured me that there would be no extra fees and that I could cancel anytime, as confirmed by a staff member named [ I can proved her name if needed ]. Finally, they charged me an additional {$39.00} after XXXX months from my contract as annual maintenance fees. 

They began contacting me on both my personal and work phones, which could negatively impact my reputation at my workplace. This behavior is not ethical, as this matter is personal and should not interfere with my professional responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
IN XX/XX/2019 SOMEBODY OPEN UP AN ACCOUNT OR TRYIED TO XXXX XXXX CLAIM NUMBER XXXX TRIED TO OPEN AN ACCOUNT AND WAS FLAGGED BY XXXX  FOR SUSPECTED FRAUD ACTIVITYS I FILED AND FTC REPORT WHICH IS INCLUDED I NEVER LIVED IN NJ

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is furnishing an unverifiable account on my consumer reports and are refusing to remove it which is a violation of section 623 of the Fair Credit Reporting Act ( FCRA ). A data furnisher is prohibited from furnishing information that is NOT accurate, complete or verifiable by them or has reasonable cause to believe that the information is inaccurate. Not only is this account being reported with two different account numbers having the same exact information ( account # XXXX and account # XXXX ), this agency has also stated themselves that can not send an authenticated record of the account and that they sold all rights of the alleged account to XXXX XXXX XXXX ( see blue highlighted paragraph in attached exhibit a ). How can this company " verify '' the account when they do not own or can see the account? ( see exhibit b & c ). Pursuant to section 623 ( a ) ( 1 ) ( B ) they were notified by me, the consumer, about this unverifiable and inaccurate account on my consumer report. Instead of following the procedures and requirements of the FCRA they decided to be willfully noncompliant and negligent. I demand that XXXX XXXX XXXX deletes this item of information from ALL consumer reporting agencies as stated in section 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ).

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is furnishing an unverifiable account on my consumer reports and are refusing to remove it which is a violation of section 623 of the Fair Credit Reporting Act ( FCRA ). A data furnisher is prohibited from furnishing information that is NOT accurate, complete or verifiable by them or has reasonable cause to believe that the information is inaccurate. Not only is this account being reported with two different account numbers having the same exact information ( account # XXXX and account # XXXX ), this agency has also stated themselves that can not send an authenticated record of the account and that they sold all rights of the alleged account to XXXX XXXX XXXX ( see blue highlighted paragraph in attached exhibit a ). How can this company " verify '' the account when they do not own or can see the account? ( see exhibit b & c ). Pursuant to section 623 ( a ) ( 1 ) ( B ) they were notified by me, the consumer, about this unverifiable and inaccurate account on my consumer report. Instead of following the procedures and requirements of the FCRA they decided to be willfully noncompliant and negligent. I demand that XXXX XXXX XXXX deletes this item of information from ALL consumer reporting agencies as stated in section 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX is furnishing an unverifiable account on my consumer reports and are refusing to remove it which is a violation of section 623 of the Fair Credit Reporting Act ( FCRA ). A data furnisher is prohibited from furnishing information that is NOT accurate, complete or verifiable by them or has reasonable cause to believe that the information is inaccurate. Not only is this account being reported with two different account numbers having the same exact information ( account # XXXX and account # XXXX ), this agency has also stated themselves that can not send an authenticated record of the account and that they sold all rights of the alleged account to XXXX XXXX XXXX ( see blue highlighted paragraph in attached exhibit a ). How can this company " verify '' the account when they do not own or can see the account? ( see exhibit b & c ). Pursuant to section 623 ( a ) ( 1 ) ( B ) they were notified by me, the consumer, about this unverifiable and inaccurate account on my consumer report. Instead of following the procedures and requirements of the FCRA they decided to be willfully noncompliant and negligent. I demand that XXXX XXXX XXXX deletes this item of information from ALL consumer reporting agencies as stated in section 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ).

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 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My credit card was canceled without notice on XX/XX/XXXX. I contacted the company on XX/XX/XXXX, XXXX and XXXX, each time on their recommendation. I was frequently rerouted to the wrong department when I requested an escalation, and was given the wrong number for the fraud team. I did receive 1 letter dated XX/XX/XXXX claiming that my account was closed because of repeated attempts to contact me, but I had never received any notice regarding cancellation from American Express prior to that point. I have checked my mail, phone, and email for any missing correspondence. 

I am unable to access my earned points and have forfeited an annual fee without a full year 's service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CrossCountry Mortgage LLC
State: NE

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX member, XXXX in Louisiana with a home of record in Louisiana. Louisiana law, ( XXXX. XXXX ) requires all creditors to cap interest rates at 6  %. This was not honored by Cross Country Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
I paid loan online thinking it was my last payment. I selected monthly payment amount. I did not realize there was still a {$96.00} balance left on my account. I was not notified by email or phone call, I received a letter over a month later stating that it appears I intended to pay off my loan but there was still a {$96.00} balance. This caused Santander to report me late to the credit bureas. I paid well over {$38000.00} on this loan most of that being interest. I had a good payment history up until the very last payment that i thought I was paying the loan in full. I did not realize there was still a {$96.00} balance. If they had contacted me to let me know other than through the REGULAR MAIL over a month later I would have paid it IMMEDIATELY so it would not harm my credit report. Because, my credit is so important to me so that I can take care of my family with low interest rates, but this company is hurting me and my family gravely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a dispute with Wells Fargo bank around XX/XX/year> for unauthorized transactions on my debit card which was lost, the dispute agent said I would be receiving a final credit within 2 business days after the items posted to account, its been over 5 months now and no credit and I have the transcripts, correspondence emails of the bank confirming the call and the credits were promised to me by the agent but they refuse to apply it to my account to this day. Claim numbers- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
I am writing to express my concern and seek assistance with an issue involving XXXX and Aidvantage. On XXXX XXXX I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the lack of clarity about when three late payments from Aidvantage would be removed from my credit report. After filing the complaint, the CFPB disputed all eight of my Aidvantage accounts with XXXX. This led to XXXX contacting Aidvantage, which resulted in an additional eight late payments from XXXX being added to my accountspayments that were not previously reported.

I now have a total of eight Aidvantage accounts, each showing 11 late payments, amounting to XXXX in total. This retroactive addition of late payments has negatively impacted my credit score and makes it difficult for me to track and manage my credit. It's perplexing and concerning how Aidvantage and XXXX can suddenly report late payments from years ago. 

I question the ethics and legality of retroactively reporting derogatory information after years of no such reporting. Aidvantage has not reported these late payments for over five years, yet they are now appearing on my credit report, causing significant harm to my financial health and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Aldous & Associates, P.L.L.C. 

XXXX XXXX XXXX XXXX, UT XXXX Reference File # XXXX RE : CEASE AND DESIST To whom it may concern Aldous & Associates , P.L.L.C. is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is evidence of the use of abusive and unfair debt collection practices by many debt collectors including Aldous & Associates, P.L.L.C. 
Since XXXX XXXX XXXX is taking action on invading my personal privacy trying to harm my reputation of credit by furnishing such alleged debt to consumer reporting agencies. 
Upon receiving this notice. I demand you to CEASE AND DESIST further communication regarding such alleged debt in which I refuse to pay pursuant to 15 USC 1692c ( c ).

Aldous & Associates, P.L.L.C. 
Since XXXX XXXX XXXX is confirmed an debt collector who failed to comply with the Fair Debt Collection Practice ( 15 USC 1692 ) may be held not only civilly but criminally liable for any damage sustained in your attempt to extort me if you violate the CEASE AND DESIST.

I DECLARE UNDER PENALTY OF PERJURY UNDER THE LAWS OF THE USA THAT FOREGOING IS TRUE AND CORRECT ( 28 U.S.C 1746 ) Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
I didn't authorize these Ally Financial to pull my Credit. I requested my signature of contract.

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 2024-05-07 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: NE

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and anxiety.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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. 

Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX, NA Account XXXX has violated my rights. Or a list of inquiries : 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 2024-05-07 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: Open Dealer Exchange, LLC
State: CA

Complaint narrative:
Im not aware or authorize of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief