vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had two accounts enrolled in national debt relief for outstanding credit card balances through capital one. National debt relief negotiates for you and in my dashboard through them both capital one balances appeared. It is now years later and I am done with the program and I had just assumed the capital one balances were combined and resolved. Now the smaller balance is in collections and is late as of XX/XX/year>. The collections agency has never once called me or mailed me one notice regarding this outstanding debt. How am I to pay something I had absolutely no knowledge of, it wasnt even on my credit report till last month. The collection agency is XXXX their contact number is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
To who it may concern, I am writing to dispute the validity of the alleged debt associated with the above referenced account. Under the Provisions of the federal Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, I hereby exercise my rights to request that all communication pertaining to this dept be ceased and desisted immediately. 

It has come to my attention that you have been attempting to collect this dept from me, and per my rights granted by consumer protection laws, I am demanding that all communication cease with me, my family member, friends or my employer concerning this or any other purported debts you claim I owe. 

According to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request verification of the debt from your agency. I am requesting that you provide me with written documentation, validating the legitimacy of this debt, including amount owed, the original creditor 's name, and any relevant account information. Until Proper validation is provided, I dispute the debt in its entirety. 

Moreover, it is essential to bring to your attention the requirements outlined in the Metro 2 Reporting Guidelines, which are mandated by the FRCA. Any information you furnish to credit reporting agencies must be accurate, complete, and updated. If you have reported this debt to any credit bureaus, I demand you correct any inaccurate information immediately. 

Please be advised that I am fully aware of my rights under the law and will not hesitate to pursue civil and criminal remedies to ensure my rights are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.

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 2024-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
When I went to repay my loans, I was not properly informed about income driven repayment options. Navient told me I had to enter into a forbearance and combine my loans in order for me to have extended time ( 30 days ) to submit my application for an income driven repayment plan. They said I could not enter into an IDRP without combining these loans and told me the interest rates would go up to market rate. I was told I had no other choice. This caused my interest rate to increase substantially. Almost everything I have paid to date has only gone towards the high interest on my loans. I have since learned that everything Navient told me was a lie, and now Im stuck with an interest rate thats substantially higher than what I agreed to when I borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-10-02 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: PA

Complaint narrative:
XXXX {$250.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: PA

Complaint narrative:
XXXX {$250.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2024-10-02 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:
XXXX {$0.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2024-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The debt collector is adding to my credit report without me know what this is for. I get calls everyday morning and night regarding a debt collector I have no idea of. I have kindly asked to them to stop calling and I still receive calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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. 

This company 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 non-monetary relief
Consumer complaint received 2024-10-02 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-02 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: PR

Complaint narrative:
Mailed XXXX XXXX on XX/XX/XXXX and transunion on XX/XX/XXXX certified mail. 
No answer both above the law. 
XXXX XXXX XXXX XXXXXXXX XXXX CREDIT CARD Account XXXX reporting a credit card on my credit report please inmediately remove the aforementioned account from XXXX, Transunion and XXXX. That information is incurate the info is inacurated and it was ruled out by the justice department of puerto rico by judgement by XXXX XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX. Court case or file number XXXXXXXX XXXX SHOULD REMOVE THE ACCOUNT FROM MY CREDIT REPORT INMEDIATELY.

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 2024-10-02 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: PR

Complaint narrative:
Mailed XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX certified mail. 
No answer both above the law. 
XXXX XXXX XXXX XXXX CARD CREDIT CARD Account XXXX reporting a credit card on my credit report please inmediately remove the aforementioned account from Equifax, XXXX and XXXX. That information is incurate the info is inacurated and it was ruled out by the justice department of puerto rico by judgement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Court case or file number XXXX XXXX SHOULD REMOVE THE ACCOUNT FROM MY CREDIT REPORT INMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: PR

Complaint narrative:
Mailed XXXX XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX certified mail. 
No answer both above the law. 
XXXX XXXX XXXX XXXX CARD CREDIT CARD Account XXXX reporting a credit card on my credit report please inmediately remove the aforementioned account from XXXX, XXXX and Experian. That information is incurate the info is inacurated and it was ruled out by the justice department of puerto rico by judgement by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Court case or file number XXXX POPULAR SHOULD REMOVE THE ACCOUNT FROM MY CREDIT REPORT INMEDIATELY.

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 2024-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XXXX XXXX I woke up and went outside to see that my XXXX XXXXXXXX XXXX was gone. I figured someone may have stolen it because it was parked in my driveway so there was no reason for it to have been towed and my car payments was paid up two months in advance. I called the police letting them know that my vehicle had been stolen they told me that it had been repossessed. The tow number that the police gave me didn't have my vehicle so then I figured if they didn't have it then who has it?! That's when I decided to call the lien holder of my vehicle who is Navy Federal Credit Union. They explained to me that they didn't understand what was going on because they didn't tell anyone to repossess my vehicle and that my payments were also ahead. They were confused on what was going on, so they told me to make a police report. I did that the police said they couldn't do much about it. Fast forward I found out that XXXX XXXX XXXX in XXXX, VA had my vehicle, they told me that the previous owner who had the car before me still owed on the car and that XXXX XXXX XXXX sent them to pick up my vehicle. I spoke with XXXX XXXX in XXXX, VA ( the dealership I got the car from on XXXX XXXX ) and they stated that they had nothing to do with it, but the check was written out to their company. I went to XXXX and spoke with the Branch manager. She told me that they had a title for my car and so did Navy Federal, but she stated that Navy Federal dropped the ball because they didn't do their research and see that the title had a lien on it. After she gave me that information, I contacted Navy Federal. Navy Federal has been giving me the run around since XXXX saying that they were going to contact their legal department and that I would still be responsible for the payments even though I don't have the vehicle in my possession. At this point I'm furious, frustrated, and very upset that my credit score has dropped tremendously due to this, and I have two companies blaming each other with nothing being resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 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: TX

Complaint narrative:
It appears that XXXX XXXX has sold an account to XXXX XXXX the account number is not listed but shows in the amount of {$200.00} I have never had a account with XXXX XXXX, I am XXXX XXXX XXXX and have lived in my home for over 40 years and have never had an account with XXXX XXXX or XXXX XXXX, they are reporting this inaccurate information on my credit report which is tanking my score.

Company response to consumer: Closed with non-monetary relief