vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
Hello, My complaint is the fact that my credit is being ruined because my payments are not being credited to my account in a timely manner. I am receiving numerous emails stating I am late. I even moved my payment up a few days to make sure it was paid early. I auto pay my bill so there is no excuse with mail. It is my opinion that because these companies are overseas that there is a problem with how and when they are getting the payments and then crediting my account. 

Sofi is my first complaint I started paying on the loan in XX/XX/year> for some reason my initial payment didn't go through so I was late on the loan for XXXX but didn't find out until XXXX when I received an email about a late charge and called the company. In XXXX I made two payments to make the account current. The loan is for my XXXX who paid on the account prior to me. 

A list of my payments : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your account is 20 days past due XXXX XXXX XXXX We have been sending communication regarding a past due payment XXXX XXXX XXXX Take action and pay now! 

XXXX XXXX XXXX Your second payment is delinquent, Pay now to clear your past due balance My other issue is the same but with XXXX I made a payment on XXXX XXXX XXXX and on my statement period for XXXX XXXX XXXX - XXXX XXXX XXXX no payment is showing. 

The same for my payment on XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX no payment showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I'm not liable for this debt with PORTFOLIO RECOVERY ASSOC. I do not have a contract with XXXXXXXX XXXX they did not provide me with wet signature contract as requested in accordance with FCRA Fair Credit Reporting Act. Portfolio Recovery Assoc has violated my rights, 15 USC1681 section 602A. 15 USC 1681 section 604A section 2 15 USC 1681c ( a ) ( 5 ), 15USC1681s-2 ( A ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My dispute was mailed to EXPERIAN and delivered on XX/XX/year>. Despite clear instructions to delete specific accounts, EXPERIAN failed to remove them. Today, I contacted EXPERIAN, and the conversation was recorded. During the call, a representative confirmed receipt of my certified letter on XX/XX/year>, but also acknowledged that no investigation has been initiated. 
I reminded the representative that under U.S. Code 1681i, EXPERIAN is required to complete an investigation within 30 days of receiving a dispute, a timeframe which has clearly been exceeded. Additionally, I received no communication within the legally mandated 5-day period confirming that my request was being processed. 
Given this complete lack of response, I am demanding the immediate removal of the negative accounts, per the instructions in my letter. 
Furthermore, under 5 U.S. Code 6802, which restricts disclosure of personal information, I did not authorize any third-party company to report inaccurate accounts on my credit report. Experian did mention they were not affiliated with any third party company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
BEEN SEEING THESE FRAUDULENT ACCOUNTS IN MY REPORT, THESE ARE SUCH A STRESSFUL THING FOR ME, THESE ARE CLEARLY NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 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: NH

Complaint narrative:
My request, submitted on XX/XX/XXXX, stipulated that Experian block these fraudulent accounts from my consumer report within four ( 4 ) business days as required by law. Today, XX/XX/XXXX, XXXXthirteen ( 13 ) days post-submissionthese fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. 

I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) XXXX05B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law. 

I am submitting an FTC Identity Theft Affidavit in connection with two unauthorized accounts that have been fraudulently reported on my consumer credit report maintained by Experian. These fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX These accounts have generated fraudulent hard inquiries, collections, charge-offs, and late payments on my consumer FICO credit report. 

I demand that Experian remove all fraudulent accounts, collections, charge-offs, and late payments as detailed in this complaint. Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NH

Complaint narrative:
My request, submitted on XX/XX/XXXX, stipulated that Experian block these fraudulent accounts from my consumer report within four ( 4 ) business days as required by law. Today, XX/XX/XXXX, XXXXirteen ( 13 ) days post-submissionthese fraudulent accounts continue to remain active on my report, thereby putting Experian in direct violation of FCRA 605B. 

I am filing this Consumer Financial Protection Bureau ( CFPB ) complaint against Experian Credit Reporting Agency under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) to request immediate action regarding fraudulent information on my consumer credit report. This complaint includes a demand to block and remove all items resulting from identity theft and fraud within four ( 4 ) business days, as mandated by law. 

I am submitting an FTC Identity Theft Affidavit in connection with two unauthorized accounts that have been fraudulently reported on my consumer credit report maintained by Experian. These fraudulent accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX These accounts have generated fraudulent hard inquiries, collections, charge-offs, and late payments on my consumer FICO credit report. 

I demand that Experian remove all fraudulent accounts, collections, charge-offs, and late payments as detailed in this complaint. Additionally, I request that any and all collection activities associated with these fraudulent items cease immediately, in compliance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I have attached the FTC Identity Theft Affidavit ( FTC Criminal Complaint # XXXX ) as proof that all items associated with these accounts are due to identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: AZ

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Climb Credit Inc.
State: TX

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 this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You are infringing on my right to privacy by reporting this information on my credit report without my consent. This breach is both offensive and damaging to my reputation, causing harm to my credit score and negatively affecting my life, as my new credit applications are being denied due to this oversight.

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 2024-10-29 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: MS

Complaint narrative:
This account is due to fraud remove from my report immediately Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4 ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance! You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.

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 2024-10-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I resumed payment of a Parent Plus loan after the Covid pause ended in XX/XX/year>. The new servicer of my loan, Nelnet has been improperly crediting these monthly payments since then. They are crediting the full payment to a portion of the accrued monthly interest and the rest to principal. I have repeatedly requested that they pay the full amount of the accrued interest each month from my payments, not a portion. This method of repayment has resulted in an increase accrued interest and negative amortization. In addition, there is now {$14000.00} in capitalized interest in my loan balance. 

I have made five verbal requests and one written request for this to be corrected. I have filed two complaints with the Department of Education and they keep passing it back to Nelnet. I am looking for your agency to help me stop this financial fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
Two months ago on XX/XX/year> I was given a call from cedars business services about a debt I owe for a trash service that I dont recognize. I proceeded to ask them for documentation of such account and was then told to wait 30 days and from said 30 days I received no email or mail of documentation of said account in question. Time goes on and have been getting calls from this debt service ( cedars ) requesting information and trying to get me to admit to said debt. Ive told this debt collector that Im willing to talk but not during work hours on XX/XX/year> around XXXX XXXXXXXX XXXX. Told them I couldnt talk between the hours of XXXX XXXX and XXXX due to work. They ignored my request of call times and proceeded to call me 6 times or more so during my work hours. They constantly call from different phone numbers and keep changing personnel everytime they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: CA

Complaint narrative:
I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to TRANSUNION. In my credit report from XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.

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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My dispute was mailed to EXPERIAN and delivered on XX/XX/year>. Despite clear instructions to delete specific accounts, EXPERIAN failed to remove them. Today, I contacted EXPERIAN, and the conversation was recorded. During the call, a representative confirmed receipt of my certified letter on XX/XX/year>, but also acknowledged that no investigation has been initiated. 
I reminded the representative that under U.S. Code 1681i, EXPERIAN is required to complete an investigation within 30 days of receiving a dispute, a timeframe which has clearly been exceeded. Additionally, I received no communication within the legally mandated 5-day period confirming that my request was being processed.

Given this complete lack of response, I am demanding the immediate removal of the negative accounts, per the instructions in my letter.

Furthermore, under 5 U.S. Code 6802, which restricts disclosure of personal information, I did not authorize any third-party company to report inaccurate accounts on my credit report. Experian did mention they were not affiliated with any third party company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX has been Illegally running my credit and reporting inaccurate information to all XXXX credit bureaus. According to 15 U.S.C 1681 FCRA act, this is unethical and impermissible.

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 2024-10-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I asked Experian why my credit score dropped XXXX points in one day when nothing changed on my credit report. They sent an email today telling me they could better respond to my question over the phone. I already tried that and they cant explain over the phone. I want the response in writing.

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 2024-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc.
State: NY

Complaint narrative:
I filed another complaint yesterday against CMRE financial because they sent notice of collection that stated that " I paid or were credited the amount of $! XXXX and i owe {$520.00} since original bill was {$2300.00} but it's all wrong! I contacted my insurance XXXX XXXX XXXX XXXX and they said the claim was " denied " because XXXX were not notified in accordance with the policy XXXX XXXX XXXX and since the provider is in my policy 's network, I'm not responsible for these charges!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I Have reached out to the lender in regards to payments and incorrect information on the account in serval occasions, in XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: NV

Complaint narrative:
I recently noticed a various number of fraudulent derogatory collections and addresses on my credit report today. Addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX and XXXX XXXX XXXX XXXX XXXX, NV XXXX and XXXX XXXX XXXX, XXXX, NV 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 2024-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I bought an Apple XXXX in XX/XX/XXXX and set up automatic payments of {$33.00} for 3 years. The automatic payment didnt pay on time for 2 months in XXXX and I was requested to pay them. I did immediately, and fixed the problem. I have paid the loan off completely with the last payment in XX/XX/XXXX. I am still being reported as late payments from Apple Pay resulting in a lower credit score. The loan was paid off 21 months ago and I continue to have reports on my credit reports as having late payments on my records.

Company response to consumer: Closed with explanation