vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Since 2019, I have been attempting to dispute the inaccurate reporting on my Navient account, which shows as 90 days past due in XXXX  2019. This information is incorrect, as the account was supposed to be in deferred status during that time. 

I have sent multiple letters and filed disputes online to address this issue, but it remains unresolved. This inaccurate reporting has negatively impacted my credit and hindered my ability to obtain other opportunities. 

If you review the account history, you will see it marked as No Data ( indicating deferred status ) prior to this, so it is unclear how it jumped from deferred to 90 days delinquent. 

I am requesting that this error be corrected and removed from my credit report immediately. I look forward to your prompt response and resolution of this matter. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the accuracy of specific items on my credit report, as detailed in my attached dispute letter and notarized affidavit. As a verified victim of the XXXX XXXX XXXX, my personally identifiable information ( PII ) was compromised, leading to unauthorized accounts and inquiries on my credit file. Notably, the account " XXXX XXXX XXXXXXXX ( Account Number : XXXX ) '' resulted from this breach. Reporting this account without my explicit consent violates the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Additionally, I am concerned about Experian 's dispute-handling practices, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian on XX/XX/2025. The CFPB alleges that Experian conducts inadequate investigations into consumer disputes, fails to convey all relevant dispute information to furnishers, relies on furnishers ' responses without proper review, and reinserts inaccurate information into 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 explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: AZ

Complaint narrative:
These are the facts of the case : XXXX {$500.00} XXXX XXXX was sent via Ria Financial Services to my father who lived in XXXX XXXX XXXX XXXX I notified my father who was the recipient, XXXX XXXX. We chose XXXX XXXX as the location for the cash pick up as he had been able to retrieve previous transfers successfully. He was informed by the staff at XXXX XXXX by XX/XX/year> ( XXXX  ) they would have the money ready at XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX my father and recipient, presents himself to XXXX XXXX XXXX approximately XXXXXXXX XXXX and they tell him the money isnt ready, to return on XX/XX/year>, XXXX. 
However, on this date I received an email saying payment was completed which typically happens when the money is paid out. I did not verify this with my father. 
XXXX XXXX XXXX XXXX XXXX my father and recipient, returns to XXXX XXXX XXXX directed and he is told the money isnt there. He calls me to let me know. While on speaker phone, the manager tells us that the transfer is most likely on hold and there is nothing they can do and I just contact the company where the money was sent from. 
That same day, I call Ria and Im asked for one more day to receive information. 
XX/XX/year> - I call Rias customer service and I am asked for 5 days. 
XX/XX/year> - I receive an email from Ria that they are working on a recall request, to follow up in 5 days. 
XX/XX/year> - I receive the dame email from Ria as the one from XXXX asking for XXXX additional days. 
XX/XX/year> - I receive an email from Ria saying they are unsuccessful in recalling my request and there is nothing further that can be done. On that same date I request proof of payment for the transfer. 
XX/XX/year> - I receive an email from a customer service representative saying they are still actively working on the case and they have requested proof of payment from XXXX XXXX. 
XX/XX/year> - I am provided proof of payment with a forged signature of my fathers signature. 
XX/XX/year> - I inform Ria that the signature is not my fathers signature and need further assistance. 
XX/XX/year> - I receive an automated email saying they are in constant communication with the bank where the money was received. My money was not sent to a bank and I had previously disclosed this information. 
My father is a XXXX XXXX XXXX man and the primary caregiver of our XXXX XXXX XXXX mother who has XXXX XXXX XXXXXXXX. He is unable to frequently leave the house and try to resolve this issue himself as my mother is XXXX XXXX XXXX  still and can not be left alone. This money is a means to assist my father in providing for my mothers care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: DC

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX XXXX XXXX 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! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not and should not be reporting. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was not and should not be reporting. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing with the utmost urgency regarding multiple inaccurate and falsely reported items identified on my recent credit report. These inaccuracies must be addressed and removed immediately as they represent clear violations of federal law, including 15 U.S. Code 1681o and other provisions of the Fair Credit Reporting Act ( FCRA ).

Many of these inaccuracies stem from DEBT XXXX, and as such, I am invoking section 605C of the FCRA, which mandates the deletion of information from a credit report that results from such practices. Your failure to maintain reasonable procedures to ensure maximum accuracy under 15 U.S.C. 1692g leaves your agency potentially liable for negligence, as demonstrated in XXXXXXXX XXXX. Equifax Information Services LLC ( XXXX XXXX XXXX XXXX 
Federal credit reporting laws require 100 % accuracy in reporting, and the items listed below fail to meet this standard. 
Enclosed with this letter are copies of my government-issued ID and utility bill to confirm my identity and residency, leaving no grounds for further delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I filed a dispute regarding three incorrect accounts on my report in XXXX, and second dispute XX/XX/year>. Both disputes were supposedly investigated and verified as accurate, however they never provided method to determine accuracy as requested in the dispute in XX/XX/year> nor was I provided information and details regarding the original reported debts being reported. All inaccurately being reported are a result of identity theft in which an affidavit was submitted however the debts were claimed to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: NE

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX  - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX  XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was no and should not be reporting. 
XXXX XXXXXXXX - XX/XX/XXXX The following inquiry was no and should not be reporting. 
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: NV

Complaint narrative:
I am writing to formally lodge a complaint regarding the mishandling of my loan modification appeal and the resulting undue responsibility being placed on me. Based on my recent conversation with XXXX XXXX, a servicing manager, on XX/XX/year>, phone call starting on XXXXXXXX XXXX XXXX and going for XXXX hour and XXXX minutes. It has come to my attention that my appeal, submitted on XX/XX/year>, was received by your office on XX/XX/year>, but was never reviewed or responded to. This failure to process my appeal has led to significant financial and emotional strain, which I find unacceptable and unjust. 
Summary of the XXXX : XXXX. Submission of Appeal : o I submitted my appeal regarding the modification terms on XX/XX/year>. 
o XXXX XXXX confirmed during our XX/XX/year>, conversation that your office received the appeal on XX/XX/year>. 
XXXX. Lack of Response : o Despite receiving my appeal, your office failed to review or respond to it. This neglect directly contradicts the servicing guidelines and reasonable expectations of timely processing. 
XXXX. Current Consequences : o I am now being held responsible for the terms of a modification that I formally appealed and which should have been reconsidered. 
o The lack of response has left me in a position where the interest rate adjustment and other terms have compounded my financial burden.

Request for Resolution : 1. Immediate Review of My Appeal : o I request that my appeal submitted on XX/XX/year>, be immediately reviewed and acted upon as if it were addressed in a timely manner when first received. 
XXXX. Fair Accountability : o I request that I not be held accountable for the delay caused by your failure to review my appeal. The appeal should have been properly processed and should have impacted the modification terms accordingly. 
XXXX. Reinstatement of Prior Approval Terms : o As part of my appeal, I am requesting that the interest rate be set to the terms offered in the prior modification approval, dated XX/XX/year>, or to the rate of 2.5 % as originally requested in my most recent correspondence. 
XXXX. Clear Documentation and Communication : o Please provide a detailed explanation and timeline of the actions ( or inactions ) taken on my appeal, as well as confirmation that corrective action is being implemented to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was denied a second time on my school misconduct loan forgiveness application. I was not given any specifics on why. The federal government forgave my federal loans due to school misconduct. I submitted a hundred pages of evidence, and yet do not have a specific or valid reason as to why NAVIENT hasnt approved my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the accuracy of specific items on my credit report, as detailed in my attached dispute letter and notarized affidavit. As a verified victim of the XXXX XXXX XXXX, my personally identifiable information ( PII ) was compromised, leading to unauthorized accounts and inquiries on my credit file. 

Notably, the account " XXXX XXXX ( Account Number : XXXX ) '' resulted from this breach. Reporting this account without my explicit consent violates the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Additionally, I am concerned about Experian 's dispute-handling practices, as highlighted in the recent Consumer Financial Protection Bureau XXXX CFPB ) lawsuit filed against Experian on XX/XX/year>. The CFPB alleges that Experian conducts inadequate investigations into consumer disputes, fails to convey all relevant dispute information to furnishers, relies on furnishers ' responses without proper review, and reinserts inaccurate information into 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 explanation
Consumer complaint received 2025-01-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the accuracy of specific items on my credit report, as detailed in my attached dispute letter and notarized affidavit. As a verified victim of the XXXX XXXX XXXX, my personally identifiable information ( PII ) was compromised, leading to unauthorized accounts and inquiries on my credit file. 

Notably, the account " XXXX XXXX ( Account XXXX : XXXX ) '' resulted from this breach. Reporting this account without my explicit consent violates the permissible purpose requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Additionally, I am concerned about Experian 's dispute-handling practices, as highlighted in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit filed against Experian on XX/XX/year>. The CFPB alleges that Experian conducts inadequate investigations into consumer disputes, fails to convey all relevant dispute information to furnishers, relies on furnishers ' responses without proper review, and reinserts inaccurate information into 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 explanation