vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing 4 accounts and ( 3 ) reporting Last Payment dates that prove all 4 accounts should be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bought this alledged debt from XXXX XXXX XXXX XXXX XXXX and Is reporting a Last Payment date XXXX this means that both accounts XXXX XXXX XXXX XXXX XXXX XXXX is obselete due to the Last Payment date being reporting by XXXX XXXX they have surpassed the 7 year time period and should be deleted. 


TradXXXX XXXX XXXX XXXX XXXXXXXX XXXX a Last Payment date XXXX XXXX should be deleted because it has passed the 7 year reporting period. Delete this account it is reporting as a charge off and was sold to XXXX XXXX # XXXX Trade : XXXX XXXX XXXX XXXX a last payment date XX/XX/year> and is obselete delete this account it is XXXX XXXX XXXX. 

Trade : XXXX XXXX XXXX XXXX also reporting a last payment date as XXXX XXXX XXXXXX/XX/year> and is too old as it is obselete and has surpassed the 7 year reporting period. 

If these accounts are not deleted I in advance request the Description of Procedures Used along with the name ( s ) of the person ( s ) you spoke along with their telephone number ( s ) and addresses in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA ( A ) ( 7 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Aidvantage apparently holds a XXXX XXXX student loan with myself as the co-signer. I say apparently because I can not log on to their site to get information. When I enter either my information or my sons, their site states that there is no account. Yet I continue to receive emails from them stating that my account is past due. 

The studentaid.gov site lists no XXXX XXXX loans through Aidvantage. 

My credit report lists a loan with Aidvantage. It is in the amount of {$18000.00} and states the payment status is current. It claims that the loan is more than XXXX XXXX XXXX and the original loan amount was {$12000.00}. If I was making payments on a loan for 9 years, how could I owe {$5000.00} more than what I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I disputed a purchase because the items were received broken which warranted a refund. 27 days later, PayPal responses and informs me I have 2 days to provide proof of the return product. However, there was no accompanied invoice so I had no return address available. It was over the weekend, so I waited until Monday to contact the seller ( XXXX XXXX ) via email. The seller 's response was to keep the product as a good gesture. LoL!. In the meantime, PayPal closed my dispute and said " QUOTE '' Because the investigation into your recent case has been closed you are responsible for the purchase amount, including any interest charges '' " END QUOTE ''. They basically told me this was not their concern. I'm now in the process of attempting to seek a refund through the seller who I initially contacted but was told since I filed a dispute through PayPal ( chargeback ) they ( PayPal ) would be the ones to provide the refund. As noted, PayPal told me to go pound sand!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: TX

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

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

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: TX

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

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

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Approximately XXXX XXXX, I was behind on payments and Select offered ( no solicited ) me a loan modification. I had to pay a certain amount for XXXX, XXXX, XXXX of XXXX. 

I made the payment but slightly early because I didnt want any mishaps. So I started making the payments in XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and in XX/XX/XXXX for XXXX. 

Since, I made the payments slightly early I suppose they sent out the contract early. I did not see the contract until I was trying to make a payment for XX/XX/XXXX. Because, starting late XX/XX/XXXX, I learned that I needed a medical intervention and therefore had multiple medical appointments between XXXX and XX/XX/XXXX. I submitted the signed contract albeit late and explained that I missed the deadline for medical reasons. 

They gave no consideration that I had made all the payments early. In fact, had they only been on time, the due date would likely have been late XXXX XXXX. Then, because they refused the to honor the previous contract, I requested another modification/deferral, they approved it, only to withdraw siting the previous offer and exacerbating my financial problems. 

Due diligence is what should be done before and offer, I believe that the withdrawal was unfair and made things worse. 

Unfortunately, XX/XX/XXXX, I tested positive for XXXX and also had a reoccurrence about XXXX days after testing XXXX so for nearly XXXX weeks I was ill with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: DE

Complaint narrative:
I have tried to get this information fixed on my account because it doesn't belong on there and the company still keeps it on there. Please get this information off of my account now. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThis is all that they have on my report and if I hadn't looked I would have not known that my credit report is a stowing place for junk.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Second Request for Reinvestigation of 2 closed cases with LVNV Funding ( Several FCRA Reporting Violations ) Dear CFBP I hope this message finds you well. I am writing to bring to your attention again the persistent issues I have been experiencing with LVNV Funding LLC, specifically regarding two cases that were previously closed. 

Despite my prior requests, I have not received the Purchase Agreement or any signed Agreement bearing my signature, for the alleged debt and LVNV Funding LLC continues to report on my XXXX Report.

Moreover, it has come to my attention that LVNV Funding LLC may be in violation of Section 623 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ). This section explicitly prohibits furnishers of information to consumer reporting agencies from providing information that they know or have reasonable cause to believe is inaccurate. LVNV Funding LLC seems to have engaged in the practice of reaging an account, misrepresenting its status as more recent than it actually is, potentially violating the FCRA.

LVNV Funding has also recently updated my XXXX report from " Charge Off '' to " Collections '' without fully verifying the account and providing the necessary documentation to me.

Again LVNV Funding has failed to supply all essential documents and fully verify this account, specifically a Purc
hase Agreement and contract bearing my signature. This lack of documentation raises serious concerns about the accuracy and legitimacy of the reported information. I also previously requested a copy of a 1099 C Tax form for this charge off ; however, now they have removed the charge-off status and updated it effective XX/XX/ as a Collection Status. 

CFPB I kindly request that you reopen these cases and take the necessary steps to hold LVNV Funding LLC accountable for potential violations of the FCRA. Your assistance in ensuring compliance with consumer protection laws is crucial and greatly appreciated. 

Thank you for your attention to this matter. I anticipate a prompt and thorough investigation. 

Attached are my XXXX Credit Report along with the documentation previously submitted to the Consumer Financial Protection Bureau ( CFPB ) for your reference. 

I have also reached out to the XXXX XXXX XXXX and the XXXX Attorney General for help with this matter. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: MO

Complaint narrative:
Experian working on the same issue 8 times today and closed 6 but there all the SAME ISSUE WHICH IS EXPERIAN NOW HAS STOLEN ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO XXXX AND REFUSE TO GIVE THEM BACK AS REQUESTED FORWARDED TO F.T.C AND D.O.J

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I never opened this account. I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 


No Response from company XXXX  {$130.00} NEGATIVE Suggested Account # XXXX Status Open Original Creditor XXXX XXXX Creditor Type Other Collection Agencies High Balance {$130.00} Open Date XX/XX/2023 Last Reported XX/XX/2023 Remarks Account information disputed by consumer, meets FCRA requirements Completed XX/XX/2023 Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: GA

Complaint narrative:
I just looked at my reporting and I saw that I have a late payment. However they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem but I haven't not seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This a violation of my federal right. Can you help with this matter. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: GA

Complaint narrative:
I just looked at my reporting and I saw that I have a late payment. However they are reporting this late payment is inaccurate. I sent a letter trying to fix this problem but I haven't not seen any updates. 

I also sent a letter asking them to provide me a Description of how they verify how this late payment is accurate, But they do not This a violation of my federal right. Can you help with this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've been a victim of identity theft. There are several accounts in my credit report that I do not recognize to be mine. After doing a research, I learned that my personal information was compromised in the dark web through different data breaches in repeated occasions. My information is being sold without my permission, I've tried to complain regarding this issue with the credit reporting agencies, I tried reaching out to the companies and file a Identity Theft Report but the issue remains unresolved. I need additional help having this situation sorted out. The following accounts reporting on my credit report do not belong to me : XXXX XXXX with the amount of {$27000.00}, XXXX XXXX with the amount of {$76000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: IL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 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: TX

Complaint narrative:
It is entirely unjust to discover late payments on my account, considering my consistent track record of timely payments. I insist on the swift correction of this error. I earnestly implore you to rectify this situation promptly and ensure that my account reflects my history of on-time payments accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: Synovus Bank
State: PA

Complaint narrative:
When debt is sold to a third party debt collector it becomes a charge off, and now is considered certificate of indebtedness and it is now INCOME and INCOME can NOT be reported to my credit report. 

XXXX XXXXXXXX ( credit card ) is a charge off or certificate of indebtedness which is income. 

First progress ( credit card ) is a charge off or certificate of indebtedness which is income. 

XXXX is a charge off/closed account is a charge off or certificate of indebtedness which is income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30 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: IL

Complaint narrative:
According to XXXX this account must be removed promptly. It's making me XXXX to see it on my credit report when it's not even my account. I strongly request the company to remove it quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an arrangement to pay {$260.00} to get the loan one payment up but unfortunately my check didnt drop until today. I called to pay and was told that they charged off the loan this morning. When I asked for options I was told to either pay in full or 4 months payments of {$6000.00}.

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