vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: GA

Complaint narrative:
I previously reached out to CONSUMER COLLECTION MANAGEMENT requesting comprehensive documentation of their legal or equitable right to a claim on my credit report. I see that CONSUMER COLLECTION MANAGEMENT has reported a collection account with a balance of {$4400.00} on behalf of another company. I am aware that the Fair Debt Collection Practices act defines a debt collector as only private people and not an agent on behalf of anyone. Due to this misrepresentation, CONSUMER COLLECTION MANANAGEMENT must remove all reporting of the account on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TN

Complaint narrative:
In XXXX, someone stole my identity and used it to attend a public university in XXXX in my name. I was completely unaware of this fraudulent activity until XXXX when I filed my taxes and discovered that they were being taken to pay off student loans for a college I had never attended. This has had a significant impact on my financial well-being and has made it difficult for me to support my family. 
As someone who has never set foot in a college classroom, it is deeply troubling to see my hard-earned money being taken to pay off loans for an education I did not receive. The fact that this identity theft has also damaged my credit score only adds insult to injury, as it now hinders me from being able to secure loans or make major purchases for myself and my children. 
Given the circumstances of this situation, I am requesting a full refund of the money that has been wrongfully taken from me over the years. It is unjust for me to continue bearing the financial burden of someone else 's actions, especially when it affects not only myself but also my ability to provide for my family. 
In conclusion, identity theft is a serious crime that can have far-reaching consequences for its victims. It is imperative that steps are taken to rectify the damage done and ensure that those responsible are held accountable for their actions. In this case, a full refund is necessary in order to alleviate the financial strain placed upon me due to these fraudulent student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: CA

Complaint narrative:
I never benefitted from these items on my credit report that have resulted from fraud. I have already reported these to the Federal Trade Commission, but they are still appearing from my report. This is causing me immense XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: MI

Complaint narrative:
I am a victim of human trafficking of Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX {$330.00} XXXX remove acct XXXX XXXX {$1400.00} XXXX remove acct XXXX XXXX  {$1200.00} XXXX remove acct XXXX XXXX XXXXXXXX remove inquiry XXXX XXXX remove inquiry XXXX XXXX  dealer XXXX remove inquiry XXXX XXXX XXXX  remove inquiry

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 2024-07-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2024, I noticed a bunch of items on my credit report that was not mine, I printed off my credit reports and took my time to identify the items that i either was unfamiliar or was not mine.

I waited well over 30 days, then I received a letter asking me for documentation of my ID and a bill with my address, which that was in the initial complaint.

They stalled and now asking for the same information that was provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: NJ

Complaint narrative:
My account with ( XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  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, 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! 

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 explanation
Consumer complaint received 2024-07-23 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: KY

Complaint narrative:
My last request for an investigation was denied by the company because somehow it seemed as though I did not write and submit my complaint. I don't understand why this collection is showing on my XXXX credit report because I don't have a contract with XXXX XXXX XXXX, Account # XXXX. I am not liable for this debt with XXXX XXXX XXXX. I also don't have a signed contract or application with this collection agency. This is a violation of my consumer rights according to the FCRA, under 15 U.S.C. 1692g : Validation of debts is a requirement by law and must be adhered to. 15 U.S.C. 1681 Section 602 A : States that I have the right to privacy, and 15 U.S.C. 1681 Section 604 A Section 2 : also states that a Consumer Reporting Agency ( CRA ) can not furnish a account without my written instructions. I have never given XXXX written instructions either. I XXXX XXXX wrote this complaint alone and without help. I have attached my Drivers License, Home Lease, Social Security Card, and a Current Utility Bill. Once your investigation is complete, Please delete this inaccurate collection account and mail me a corrected copy of my credit report/ file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: WA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of 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 2024-07-23 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Someone steeled my identity to open a XXXX credit card with Synchrony Bank in XXXX, XXXX, as reflected as a hard inquiry in my XXXX credit report. It was not authorized by me. It looks like someone used my information, my previous address and a phone number I don't recognize. 
I froze my credit in XXXX and XXXX today ( XX/XX/XXXX ). And I contacted Synchrony Bank today, they said they just declined that application, and contacted credit bureau. This hard inquiry will be removed from my credit report in 60 days. I also called XXXX, they will inform Syncrony Bank on my behalf that this application is a fraud. 
XXXX also suggests me to contact XXXX to get an Identity Theft Report so that's why I'm submitting a claim here.

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 2024-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I've tried 5 different phone numbers and their online chat function and online messaging system to get information on loan modification. Always directed to automated system that only provides basic information and circular phone numbers

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 2024-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a 30 day late status on my Credit report with all XXXX Bureaus. I was never Late on my Capital One Credit Card, I have been a loyal customer for over 5 years. In fact, I spoke with the Creditor and supervisors about this situation on several occasions. I also explained to the representative that I will be recording the conversation for my own records. The creditor admits the Late fee is an error and even refunded the {$40.00} late fee on XXXX XXXX. I included my bank statements as proof from the creditor the 30 Day XXXX in XX/XX/year> is Paid as Agreed. XX/XX/year> thru XX/XX/year> statement shows {$340.00} mobile online payment was paid on time and the {$40.00} late fee was refunded. Then in the next bank statement XX/XX/year> thru XX/XX/year> shows the minimum payment was {$340.00} however, I paid {$800.00} on time and the {$40.00} late fee was also reversed. I have reached out to the creditor to contact the bureaus to update this error but I have not heard from the Creditor or the Bureaus in over 30 Days. However, when I check my Credit Report it is showing the investigation is complete but I never received any investigation results in the mail at my Current address they have on file. I thank you in advance for your help in resolving this matter. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX ID : XXXX Date of Birth : XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX NY XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Early Warnings Consumer report immediately! I've attached a copy of the report to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 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: NC

Complaint narrative:
XXXX XXXX - XXXX XXXX XXXX Ct, XXXX NC - XXXX - XXXX Credit Bureau ( XXXX ) Involved : -Credit Bureau ( s ) : XXXX XXXX Experian, XXXX I am filing this complaint due to the presence of inconsistent and inaccurate information on my credit reports from the above-mentioned credit bureaus. Despite my attempts to resolve these issues directly with the credit bureaus, the inaccuracies remain. The following items are examples of the discrepancies I have identified : XXXX. **Incorrect Account Information : ** - An account from XXXX XXXX XXXX XXXX account number XXXX is inaccurately reported a open account on my XXXX and Experian report, then reporting as collection / Chargeoff account on XXXX XXXX Date open shows XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX and Experian Charge off accounts can't report a balance or past due amount Payment status is inconsistent XXXX and Experian XXXX Charge off and XXXX XXXX 120 days past due Also Date of last Active are inconsistent with each other as well Lastly there are several Violations between all three beaus with not reporting accurate in consistent information all beaus are reporting different information that is coming from the same collection agency how is that i have seen several FCRA violations **Evidence of Inaccuracy : ** - Attached are copies of my credit reports highlighting the inaccuracies. 

- Also attached are copies of my dispute letters sent to the credit bureas **Impact of the Inaccuracies : ** These inaccuracies have caused significant damage to my credit score, resulting in the denial of several credit applications. Additionally, I have been subjected to higher interest rates on existing loans, causing financial hardship. The ongoing stress and anxiety from dealing with these issues have also affected my well-being. 



**Steps Taken : ** - I have submitted disputes to XXXX XXXX Experian XXXX and XXXX XXXX XX/XX/XXXX. 

- Experian, XXXX and XXXX have not responded or have provided inadequate responses that have not corrected the inaccuracies. 



**Relief Sought : ** - I request that the CFPB investigate these discrepancies and ensure that the inaccurate information is corrected on my credit reports. 

- I seek confirmation in writing that these corrections have been made and deleted of my credit report from all credit beaus. 

- I request compensation for the damages caused by these inaccuracies, including the financial impact and emotional distress.

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