vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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.

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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I opened an account with Westlake portfolio on behalf of byte and was advised to put my payments on auto pay to avoid being late. I did this and was charged twice without my permission for two payments in the amount of {$79.00} XX/XX/XXXX and on XX/XX/XXXX and again on XX/XX/XXXX and XX/XX/XXXX. 
Per my contract I am setup for monthly payments. 
I called every single day from XX/XX/XXXX - XX/XX/XXXX in regard to resolving this mishap that took place on behalf of Westlake Portfolio. I have spoken to over 25 agents ; some have told me that the two payments were sent back to me on a debit card however that was XXXX  weeks ago, and I still have not received it. I disputed the charge through my bank and now I am getting threatening messages that My credit will be affected and i am XXXX days past due and this is NOT true. I have called and requested that a supervisor contact me to get a resolution and have yet been contacted or the agent will hang up on me. I am demanding that someone reach out to me. Figure out how to correct this account going forward and I will resume payments. If my credit is in anyway compromised I will follow up with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: OR

Complaint narrative:
In XX/XX/XXXX I submitted my first IDR application. Again in XXXX I submitted my IDR application to them. In XXXX I went through the student aid web page and submitted it again. MOHELA has sent me a bill for over XXXX a month which is half of my pay check. Also last year they told me I only had XXXX more payments to make for the XXXX service forgiveness. Now they tell me I have XXXX more payments to make. I work for the XXXX XXXX XXXX and have since XXXX I don't know how I'm supposed to pay my other bills, buy food when they want over XXXX month. At this point I might as well live on the streets. How can they not approve my IDR I only make XXXX a year?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: The Aligned Company DBA Extra
State: FL

Complaint narrative:
I am writing to file a formal complaint against the creditor Extra regarding the inaccurate and inconsistent reporting of an account listed on my credit reports. Despite numerous attempts to rectify these errors with both the credit bureaus and Extra, my concerns remain unresolved. The account in question is detailed below : XXXX and XXXX report conflicting information for the same account : - XXXX reports the payment status as " Pays account as agreed, '' while XXXX states " Credit line closed/not paying as agreed. '' - XXXX lists the worst delinquency as " 120+ days past due, '' whereas XXXX XXXX " 180 days delinquent. '' - Discrepancies exist in the reporting of late payments : XXXX records a XXXX late payment in XX/XX/2022, while XXXX denotes a XXXX late payment in the same month. 
- The two-year payment history exhibits inconsistencies, with several months of unreported data. 
- XXXX specifies the date closed as XX/XX/2022, yet XXXX does not indicate a date of closure. 
- There is no dispute remark, despite this account having been previously in dispute. 

For your reference, I have included a copy of how the account currently appears on my credit reports as supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: Harvard Collections, LLC
State: GA

Complaint narrative:
The item on my credit report does not belong to me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
THIS COMPLAINT IS TO PUT THE CFPB ON NOTICE OF MY BILLING ERROR NOTICE TO NAVY FEDERAL IN WHICH THEY FAILED TO RESPOND TO ACCRODINGLY AS STATED IN THE LAW FOR RECORD PURPOSES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NAVY FEDERAL YOU HAVE BEEN PUT ON NOTICE UNDER A BILLING ERROR ON MY CREDIT ACCOUNT WITH SPECIFIC LAWS THAT GOVERN YOUR OBLIGATION TO PERFORM. YOU HAVE RESPONDED WITH MARKING MY CREDIT PAST DUE AND DOUBLING THE AMOUNT DUE. THE LAW ESPICIFICALLY STATES ONCE A BILLING ERRE DISPUTE IS EXPRESSED COLLECTION ON THE ACCOUNT SHALL CEASE UNTIL THE ISSUE IS RESOLVED. IF YOU FRIVILOUSLY SHUT MY ACCOU T DOWN DESPITE RECEIVING NOTICE OF A BILLING ERROR AND NOT RESPONDING TO IT ACCORDINGLY YOU WILL LIABLE FOR STATUTORY DAMAGES AND WILL RISK FORFITURE OF COLLECTING ANY RECEIVEABLES. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -IF THE PERSON ADDRESSING THIS COMPLAINT HAS NO KNOWLEDGE OF THE LAW PLEASE FORWARD THE COMPLAINT TO " XXXX XXXX XXXX WHO DOES BECAUSE IGNORANCE OF THE LAW IS NO EXCUSE TO VIOLATE IT AND CAN RESULT IN MATTERS ESCALTING. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PLEASE ADDRESS THIS MATTER PROPERLY WITH NO BOGEZ LETTERS NOR MINIMUL EFFORT. THANK YOU KINDLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
My information was SOLD and BOUGHT ILLEGALLY because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports affective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this DATA BREACH and XXXX has done NOTHING. Please help me DELETE these illegal accounts from my credit reports. ( The Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-01-08 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: Huntington Debt Holding LLC
State: OH

Complaint narrative:
According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXX, XXXX XXXXXXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy XXXX XXXXXXXX XXXX nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
According to the Fair credit Reporting Act 15 USC 1681 section 602 states There is a need to insure the the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for customer rights to privacy. The 3 credit bureaus XXXXXXXX XXXX XXXXXXXX are consumer reporting agencies while i am the consumer. My rights to make sure my private information will not be shared. Under 15 USC 6801. the policy says that Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of me the customer and protect my security and confidentiality of those customers nonpublic information ( furnisher of information to credit agencies is a financial intuition by definition under that title. 15 USC 1681 section 604 section 2. Under this policy transunion, equifax, experian nor financial institutions do not have my consent verbally, non verbal, or written consent. Any and all consent whether it be verbal, non- verbal, written, nonwritten, implied or otherwise revoked. 15 U.S.C 6802 ( b ) ( c ) states that a financial institution may not disclose non public information to a nonaffiliated third party unless the consumer is given an explanation of a non disclosure option. They have informed me of my right to exercise nondisclosure option. also 15 USC 1681c ( a ) 5 states except as authorized under subsection ( b ) no consumer reporting agency may make any consumer reports containing any of the following items if information any other adverse item information other than records of convictions of crimes with antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681 s-2 ( A ) ( 1 ) a person shall not furnisher any information. relating to a consumer. 15 U. S Code 1681states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c. also CFR 1016.7 a consumer has the right to opt out at any time. I am opting out of your reporting services

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MA

Complaint narrative:
This company violated the TCPA, and was placed on notice. The company failed to validate the debt, and made no further contact following being put on notice for their violations. Their failure to validate the debt not bars them from recovery and the legal right to report derogatory information, or any information regarding the a debt they have failed to validate. In XXXX of XXXX I was contacted by their attorney XXXX XXXX, at which time I provided him copies of all transmittal 's sent to his client, Discover Credit card, and demanded that they either remove themselves from my trade lines, or sue me for their claimed losses, at which time I would counter-claim and seek damages for their violation 's under the TCPA. 

I Demand that this creditor be removed from my trade lines immediately and subject to any sanctions or fines that they might be subject to for their violations under the fair credit collections act, and the TCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
WELLS FARGO BANK , N.A . refused to acknowledge any of my requests for information. I also provided them with a negotiable instrument which they refused to return. I cancelled their security interest in my property prior to the XX/XX/2019 foreclosure. The did not respond to my requests for 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to remove this record. If you can not remove this record, I request you remove this data from my account immediately. 

BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this deletion from my report 3 bureaus.

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 2024-01-08 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: CA

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.

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 2024-01-08 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: PA

Complaint narrative:
I have multiple inquires i did not recognize him my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called all bureaus to get these off and they told me i have to verify i did not open them. None of these inquires are connected to none of my accounts on file. 15 usc 1681 right to fair credit reporting

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 2024-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

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