vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have always struggled to be able to pay my student loan payment every month and on time. Between the poor payment history ruining my grandfather 's ( cosigner ) previously great credit and Navient beginning to call us each 3-8+ times a day every single day from the first day after the payment due date until the full payment was made ( which meant often we would get nonstop calls for over a month or two straight! ), my grandparents were severely distressed all the time. My grandfather called Navient to see what needed to be done to have him removed as the cosigner on my loan and they told him that if the loan payment was made on time every month for 12 consecutive months that we could have him removed as the cosigner, so my grandparents, who were already retired and on a fixed income, set up autopay and began paying my loan on XX/XX/XXXX. They even paid it for an extra 5 months, a total of {$3800.00}, to ensure there was sufficient enough good payment history for him to be removed. When they called Navient to have him removed I forget the exact claims Navient made, but I believe it was that my loan type was not eligible to have the cosigner removed at all, ever. I began attempting to pay the loan myself again and still struggled to pay it every month and on time, and forbearances were very difficult to get, at most once or twice a year, and when I did get them they were never for more than 1-3 months, so the nonstop harassment calls from Navient continued and my grandparents credit suffered more as well. In early XXXX I wasn't in a position to be able to pay my loan so my grandparents began paying it for what was supposed to be a few months, just long enough for me to get back on my feet. Unfortunately I was laid off from my job at the end of XX/XX/XXXX, and between being in the height of the pandemic and having children at home with no reliable childcare I had to transition to becoming a stay at home mom, which meant my grandparents had to continue paying my loan and have done so every month since XX/XX/XXXX, totaling {$14000.00} that my grandfather would not have been responsible for if Navient would have been true to their word and released him as the cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-10-17 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: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, AND XXXX 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 XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This is letter is to inform you that i am disputing this debt. After receiving a response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. Please delete this furious account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally express my concern regarding several disputed accounts that continue to appear inaccurately on my credit report. Despite multiple previous requests for a thorough investigation into these inaccuracies, I have yet to receive a resolution or any corrective action. 

These erroneous accounts are causing significant damage to my credit file, severely impacting my ability to maintain a stable financial situation. The negative consequences of these inaccuracies have placed immense hardships on my daily life. I am now left with no choice but to seek your immediate assistance in rectifying this matter. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts on my credit report. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. Your prompt attention to this matter is critical to restoring the accuracy and integrity of my credit file, which is essential for me to regain control over my financial well-being. 

I sincerely urge you to prioritize this issue and take swift action to resolve it. Your cooperation and support in addressing this situation would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: MD

Complaint narrative:
This morning, I found unauthorized inquiries on my credit report, and I have no idea why. I check my report regularly, but this time, there were sudden discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inquiries were still there. Im incredibly frustrated and want the documents I sent to be reviewed thoroughly, so I can stop worrying about this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay.

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving : 1. A valid identity theft report ; 2. The identification of the fraudulent information on the credit report ; 3. A statement from the consumer indicating that the information does not relate to any transaction they made.

I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: NJ

Complaint narrative:
My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking XXXX of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take 10-14 days to post payments because of their automated system. This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time. Also we have been paying {$1000.00} additionally on each payment toward principle most months. They told us that they would clear this up and still to this date we have had no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My wife took over payments and started to pay payment online, instead of pay by phone as she wanted to get everything electronic, Then I XXXX XXXX Started receiving phone calls that we were late on payments, which was impossible seen as we were doing everything online. Upon sitting down and taking 2.5hrs of our time to call both of these companies who I have never been late with before, it was brought to our attention that their automated system can take XXXX days to post payments because of their automated system. This should not have affected my credit as we had proof of the money leaving my account on the date required and they did not post it on time. Also we have been paying {$1000.00} additionally on each payment toward principle most months. They told us that they would clear this up and still to this date we have had no resolution.

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 2024-10-17 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: FL

Complaint narrative:
I'm writing to formally complain regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this issue, these unauthorized accounts continue to negatively impact my credit history. 

Details of the Fraudulent Accounts : Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reported By : EQUIFAX Date Opened : XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Relay Financial (US), Corp.
State: MT

Complaint narrative:
I am writing to report a serious incident of unauthorized access to my XXXX account and subsequent fraudulent cryptocurrency purchases. 
On XX/XX/XXXX my XXXX account linked to the email address [ XXXX ] was compromised by an unknown individual ( s ). The intruder used my compromised email to access my linked XXXX account and make unauthorized purchases totaling {$3600.00} using a XXXX Relay Bank Debit Card ending in XXXX. 
The unauthorized purchases included : Ethereum : {$3000.00} Bitcoin : {$100.00} Litecoin  : {$500.00} Additionally, the intruder transferred a total of {$3400.00} worth of Ethereum to an external crypto wallet with the address XXXX and {$96.00} of Bitcoin to an external wallet with the address XXXX. 
To conceal their activities, the intruder modified my XXXX account information by adding a new phone number ( XXXX ) and a new address ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). 
I have attached PDFs detailing all unauthorized transactions in my XXXX account, as well as the compromised login details for my email address. I have also filed a police report with the XXXX Police Department ( Report Number : XXXX ) and a report with the FBI Internet Crime Complaint Center ( IC3 ). 
I am requesting a thorough investigation into this incident. The crypto wallet addresses listed above should be traceable by law enforcement. I did not authorize or make any of these purchases. My purchase history clearly shows that I have never purchased such large amounts of cryptocurrency through XXXX. 
I am also seeking assistance from XXXX and Relay Financial, as they both failed to address my concerns regarding the unauthorized transactions despite being informed of the compromised email account. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-17 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: PA

Complaint narrative:
This morning, I was shocked to see inaccurate accounts appear on my credit report, and I have no idea why they are there. I check my report regularly, but this time, these discrepancies came out of nowhere. I even refreshed the page, hoping it was just a glitch, but nothing changed. The inaccuracies stayed. I'm now asking for a thorough review of the documents I've provided so that I can finally stop worrying about this.

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 2024-10-17 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-17 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: MA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief