vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: Open Dealer Exchange, LLC
State: FL

Complaint narrative:
These inquires show on my credit report and I did not authorize for them to be done. I have provided the inquires and the date the inquiry was made. I have filed an identity theft report in order to get this resolved. 
XXXX XXXX XXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXX XXXX XXXXXXXX Date : XX/XX/2023 XXXX XXXX Date : XX/XX/2023 XXXXXXXX XXXX Date : XX/XX/20XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see it this is actually an account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
I was reached out to last XX/XX/XXXX claiming I owed roughly around XXXX dollars for a XXXX workers comp policy for my company. I let them know that we did not sign up willingly for any workers comp policy but they continued to harass with numerous calls. 

Late XX/XX/XXXX a man named XXXX from their company reached out threatening legal/escalation for the matters if we did not pay. He scared me into signing up for a payment plan but the following Monday ( 3 days after speaking with him ) I reached out to XXXX and turns out they did have a workers comp policy for us but it was wrongly charged. The time period they " provided '' coverage for my company they estimated XXXX more than we ever did in business during that time. I reached back out to XXXX and another one of his associates and let them know I will not be going with a payment plan and instead resolving the wrongful amount directly with XXXX so that an audit can be properly done because we would not owe anywhere near XXXX dollars we would only owe a small amount of money if we even did ask for the workers comp policy. 

They have continued to call and harass me, and they have also send numerous letters to an old address of mine saying " you did not pay as promised '' and trying to get me to pay them even though we dont owe them. 

The company name is " Receivable management services LLC '' XXXX XXXX XXXX XXXX, PA 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 2024-04-14 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:
To Whom it May Concern, I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$1900.00} 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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: NY

Complaint narrative:
To Whom it May Concern, I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$1900.00} 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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions Sincerely, XXXX 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 2024-04-14 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WF CRD SVC Hard inquiry was ran without my consent on XX/XX/2024 XXXX Hard inquiry was ran without my consent on XX/XX/2024. 

I recently discovered unauthorized credit inquiries by the companies and I ask for an explanation at their earliest convenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have contacted aidvantage about the inaccurate information on my credit report. I have sent updated information based on my XXXX  XXXX XXXX  and informed them that y credit states I'm delinquent on accounts all the way back to 2008. These derogatory marks on my credit report are affecting my credit report and homeownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
as a resolution that all old addresses and personal information are renewed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I was reported to the credit agencies for a late payment on the Goldman Sachs apple card, after repeated requests from apple card to send bills to either my home address, or another ( actually functional ) email address. Their customer service representatives were not fully clear on this policy. Despite the fact that they said they were unable to do either, when the payment was late ( 30 days ), they reported me to all three agencies. Even after I paid off the account in full, they continued reporting me to the agencies, even after a dispute I filed. When I called Apple they said they 1. did not provide mailed statements, and you had to call in every month to get one, and 2. it was impossible for them to send emailed statements to an account that was not the apple account, even if the apple email address was inaccessible. 
Basically they were deeply unhelpful, and said everything that happened was my own fault, even though the account was paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: MI

Complaint narrative:
TransUnion is reporting incorrect information on the account listed as XXXX. There are late payment s listed on the account that are inaccurate. Transunion knows a consumer credit account is open ended and therefore can not be late. The late payments are also listed as 30 60 90 120 120 which is also inaccurate. Transunion stated that the information was verified as accurate I would like the documents used or persons name in which they spoke with to confirm this information about me. Credit bureaus are required to conduct reasonable investigations and Transunion have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: NJ

Complaint narrative:
I was reported to the credit agencies for a late payment on the XXXX XXXX XXXX card, after repeated requests from XXXX  card to send bills to either my home address, or another ( actually functional ) email address. Their customer service representatives were not fully clear on this policy. Despite the fact that they said they were unable to do either, when the payment was late ( 30 days ), they reported me to all three agencies. Even after I paid off the account in full, they continued reporting me to the agencies, even after a dispute I filed. When I called XXXX they said they 1. did not provide mailed statements, and you had to call in every month to get one, and 2. it was impossible for them to send emailed statements to an account that was not the XXXX  account, even if the XXXX  email address was inaccessible. 
Basically they were deeply unhelpful, and said everything that happened was my own fault, even though the account was paid off in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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:
I have contacted XXXX  about the inaccurate information on my credit report. I have sent updated information based on my XXXX XXXX  bankruptcy and informed them that y credit states I'm delinquent on accounts all the way back to 2008. These derogatory marks on my credit report are affecting my credit report and homeownership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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:
To Whom it May Concern, I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1.XXXX  XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX - XXXX 3 . XXXX XXXX XXXX - {$1900.00} 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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Account Name : XXXX Account # : XXXX 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 2024-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: KS

Complaint narrative:
I previously filed a complaint on Studentaid.gov, case number XXXX. 

I filed a borrower defense claim in XXXX of XXXX. This borrower defense claim was approved under XXXX v. XXXX. Loans, refunds, and credit reports were to be completed by XX/XX/XXXX. 

My loans were finally XXXX XX/XX/XXXX. I have been told several different things from Aidvantage regarding my refund. I was told I would be receiving 2 refunds -- one for {$64.00} and one for {$4700.00}. I received the check for {$64.00} a few weeks ago. I was originally told from Aidvantage that the check for {$4700.00} was sent to Dept of Treasury on XX/XX/XXXX. However, when I called Aidvantage back a few weeks later, I was told this check amount was never sent out and they didn't see that amount anywhere. I gave them a few days to 'research it ' and was then told via email that the amount of {$4700.00} was correct. When I called on XX/XX/XXXX, they told me they opened a 'case ' and I would have answers to why the check was never sent out by XX/XX/XXXX. I still have no answers and when I call, I am told they are still looking into it. It's now been almost 3 weeks for them to 'look into it ' with no correspondence whatsoever. I emailed Aidvantage on XX/XX/XXXX with no response. I have been waiting for this to be finalized for over 7 years now. I just want my final refund check so I can be done with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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:
TransUnion allowed several companies access to my consumer report with authorization from me. What purpose did these companies have to pull my consumer report? I have did no business with these companies and did not give them permission to pull my consumer report which means Transunion failed to follow federal law which requires companies to have a purpose to pull consumers reports. I request TransUnion to provide me with the documents that has my wet ink signature that states I did allow these companies to pull my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I just started a business and need capital, but I'm not experienced with grants and the ones I found, I don't qualify for yet. Someone in a business XXXX XXXX said he helps get people grants. The account was a hacked account. He said he worked at XXXX, provided a fraudulent CPA license, and screenshots of other people who he had the grant approved for. I reached out and asked their experience with the " CPA '' and they said he got the job done. All the accounts that validated him were hacked and part of a network. He charged me an {$80.00} application fee via XXXX, and the next day I received some digital documents asking for a transfer fee of {$320.00}. At that point I was sure I had been scammed. I immediately moved all my money into my other Huntington account. It started on XXXX Friday, and by Saturday I spoke with the bank and they said not to worry and if it was a scam to call on Monday that they would refund me. I called on Monday, explained what happened and they said they would start a fraud dispute. The next week I received a letter stating in my own words that it was my fault for sending money to someone I didn't know. I have supporting documents of the whole situation but don't want to put it on a public post. Can send in private if requested.The scammer was an XXXX, because he slipped up and typed " XXXX  '' when explaining something about my account, which is translated to account in English. I also was in the middle of a manic episode, I've recently been diagnosed with a XXXX XXXX and my mental, emotional and cognitive functions have depleted due to this. Had I been in my right mind, I dont believe I wouldve fallen for the scam. Hopefully I get better after XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Ive been writing to dispute certain information in my credit report maintained by XXXX, Equifax, an agency, as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. Specifically, I am disputing the accuracy of the information listed in the following sections : XXXX : 15 U.S. Code 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : 15 U.S. Code 1681b Citizen Pay loc America First CU America First CU I am invoking my rights under 15 U.S. Code 1681b, which requires consumer reporting agencies to provide accurate and fair credit reports. Additionally, I am invoking my rights under 15 U.S. Code 1681e and 15 U.S. Code 1681s2, which mandate the investigation and correction of any inaccuracies or incomplete information contained in consumer credit reports. 
I request that XXXX, Equifax conduct a thorough investigation into the disputed items and provide me with a written explanation of the results within the time frame stipulated by the FCRA. 
Furthermore, I remind you of your obligation under the FCRA to promptly delete or correct any information found to be inaccurate, incomplete, or unverifiable. Failure to comply with these legal requirements may result in further action, including but not limited to, filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies.

Company response to consumer: Closed with non-monetary relief