vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
Complaint regarding joint consolidated loan stuck together for 20 years after divorced.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
For over 40 years I have had a checking account with Wells Fargo Bank, currently called a XXXX Account, which offered LIFETIME interest-bearing free checking, a free safe deposit box, free travelers checks and money orders in exchange for maintaining a minimum {$10000.00} deposit in any Wells Fargo savings account. Today I received notice from Wells Fargo that my XXXX Account is being closed without my consent and replaced with a XXXX Account on XX/XX/year>. The XXXX Account requires me to maintain a minimum {$20000.00} balance in Wells Fargo checking or savings accounts and does not appear to include the additional free benefits of the old XXXX Account. While in retrospect Wells Fargo may regret offering its checking account customers a lifetime package of benefits, the fact of the matter is they did so and have a contractual obligation to maintain these accounts until the death of the customer. Most of these customers are now seniors who may not be able to maintain the higher deposit balance the new account requires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: IL

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
showed a late payment that took my scores down and I was never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
showed a late payment that took my scores down and I was never late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
showed a late payment that took my scores down and I was never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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 am filing this complaint against Experian for failing to provide the method of verification regarding disputed accounts. In CFPB complaint XXXX, Experian responded XXXX that the company verified that the disputed information was accurate as reported. However, under 15 U.S.C. 1681i ( 7 ), the Method of Verification requires that credit reporting agencies provide specific information on how they verified the accuracy of the disputed data. 

XXXX response was insufficient and did not include any valid evidence or thorough investigation into the accuracy of the reported information. The accounts in question are OFFICE OF THE ATTY XXXX XXXX and XXXX OF THE ATTY XXXX XXXX. 

In XXXX v. XXXX, the court made clear that credit reporting agencies must do more than passively accept a creditors verification. They are required to take independent steps to investigate the validity of the information, rather than relying solely on the original source of the error. By failing to do so, Experian is in violation of the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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:
Re : Immediate Deletion and Removal of Accounts Account Numbers : XXXX and XXXX To : XXXX, This is my FINAL demand for the immediate deletion and removal of the accounts referenced above from my credit report. My original request for validation of debt was submitted on XX/XX/year> ( CFPB Case # XXXX ) ( XXXX ), and I have received absolutely no proper validation of these accounts as required by federal law. 
Attached to this letter, I am including a copy of my third and final letter that was sent to XXXX, as well as documentation of the CFPB report and the certified mail tracking information. Specifically, I have attached a copy of the green certified mail tracking receipt proving that XXXX received my dispute and validation request. JPMCB receipt of this letter was confirmed by a signed acknowledgment, and yet, over a total of 120 days have passed with no response or validation. 
JPMCB Failure to provide validation within 30 days of receiving my request constitutes a direct violation of 15 U.S. Code 1692g ( Validation of Debts ). This law clearly mandates that upon receiving a dispute, you are required to : 1. Cease all collection activity until the debt is properly validated.

2. Provide the consumer with clear, documented validation of the debt, including details about the original creditor and the amount owed.

Since I received no such validation, JPMCB is now in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and is unlawfully continuing to report inaccurate and unverified information to the credit bureaus. This also violates your obligations under 15 U.S. Code 1681s-2 ( Fair Credit Reporting Act ), which requires you to furnish only accurate and verifiable information.

Given that you have failed to comply with these legal obligations, I DEMAND that you immediately delete and remove these accounts from my credit report. Failure to do so will result in further legal actions, including but not limited to : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Pursuing litigation for violations of both the FDCPA and FCRA.

This is the FINAL NOTICE. You have been fully aware of your obligations under federal law and have chosen to ignore them. I demand immediately that I receive confirmation that these accounts have been deleted from my credit report. 
I expect immediate compliance, and I have attached the certified mail tracking information as proof that XXXX received my original dispute and did not respond. Failure to act promptly will result in escalated legal action with you and XXXX without any further warning.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: AL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
I was shocked this morning to see inaccurate accounts suddenly appearing on my credit report, and I have no clue how they got there. I regularly check my report, and this time, discrepancies just showed up out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The errors remained, and Im now asking for the documents I submitted to be reviewed thoroughly so that I can avoid ever dealing with this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: CA

Complaint narrative:
I had paid off 3 credit cards 2 months ago my credit score did not go up.

Then when i made my payments early it was NOT reflected on my credit report.

They make me wait another 30 days which is then 60 days from my actual payment.

All of my accounts are screwed up on the credit report. Not the right balances, THEY DO NOT report on time or when they are supposed to CLOSED AND SHOULDN'T BE ON MY ACCOUNT THE XXXX XXXX XXXX 

MY REPORT IS ALL MESSED UP AND NEVER NEVER REFLECTS ANYTHING CORRECT! I AM SO FET UP WITH THIS CREDIT REPORTING I AM GOINT TO TAKE LEGAL ACTIONS!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
on XX/XX/ Someone opened a XXXX Amex card without my knowledge. Application was done over the phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Name XXXX XXXX Date of birth XX/XX/scrub>XXXX  Social Security Number XXXX  This debt is not my debt to be owed. Never got a notice on this debt or an explanation. Im trying to avoid going to court. But if I have to I will most certainly open a court date against these false amount and false debt. I have good credit. I would go above and beyond to make sure this false debt collection is 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 explanation
Consumer complaint received 2024-09-18 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: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 
Delete the accounts below Creditor Date of Inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX Factual XXXX XX/XX/XXXX XXXX, XXXX, Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
All XXXX bureaus are reporting inaccuracies on my credit report as well identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: PA

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXXl XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient managed my student loans for many years after XXXX XXXX. In recent years, My loans were transferred to Aidvantage. 
XXXX  steered me into forbearance and mismanaged your loan payments. I do have a payment history I printed a few years ago off navient website but payments are either missing or allocated incorrectly. Since having XXXX I have moved, changed banks, and had a house fire. I am a victim of forbearance steering ( e.g., put into long-term forbearance instead of an income-driven repayment plan ). XXXX  never gave me information on consolidation and when I had a problem paying they would put me in a forbearance. My student loans have been in forbearance most of their history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
I'm submitting a complaint about a refund from MOHELA after XXXX. I received a refund from Mohela because of overpaid student loan repayments. When I received the refund of over {$9000.00}, I confirmed the amount several times with MOHELA. Moreover, my calculations of overpayments were much higher. However, MOHELA rejected the higher amount and informed me that my refund was correct. Now, two years later, MOHELA, through XXXX, is demanding that I repay the refunded amount because it was sent in error by MOHELA. MOHELA never contacted me about the error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
I was absolutely shocked to see inaccurate accounts pop up on my credit report this morning with no explanation. I check my report routinely, and this has never happened before. I tried refreshing my browser, hoping it was just a mistake, but unfortunately, the errors persisted. I am asking that my documents be reviewed closely so that I can stop worrying about this once and for all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX I booked a " XXXX XXXX XXXX XXXX XXXX' at XXXX XXXX XXXX, XXXX, from XX/XX/XXXX to XX/XX/XXXX ( XXXX nights ) through the Citibank travel website, and paid a total of {$1200.00} ( at CITI XXXX XXXX XXXX XXXX DE made on XX/XX/XXXX2024 ). 

Before XX/XX/XXXX I confirmed the booking details with the hotel, and the hotel informed me that they had received the reservation, but my reservation was for a " XXXX XXXX, '' not the " XXXX XXXX XXXX XXXX XXXX I had communicated through the Citibank travel website.

XXXX Upon arrival at the hotel, the front desk confirmed that the reservation they received was indeed for a " XXXX XXXX '' They advised me to contact Citibank XXXX  directly. I called Citibank customer service three times without success : twice the call was dropped after 30 minutes of ringing, and once the call was cut off midway. To stay in the room I originally booked, I was told I would have to pay an additional XXXX yen ( around USD XXXX ) per night to upgrade. 

XX/XX/XXXX I filed a dispute with Citibank, requesting a refund of the difference ( {$55.00} x XXXX ), totaling USD XXXX, for the forced downgrade. 

XXXX Citibanks dispute center rejected my claim, stating that there were no contractual errors. 

XX/XX/XXXX I filed another appeal, and Citibank responded, acknowledging receipt of my supporting documents. 

XX/XX/XXXX Citibanks dispute center rejected my dispute again.

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 monetary relief
Consumer complaint received 2024-09-18 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:
I do not have a contract with XXXX XXXX XXXX, nor did I grant them permission to utilize my name or social security number. They are illegally reporting late and collections on my credit report and should be held liable for damages. See : XXXX XXXX XXXX XXXXXXXX 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