vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: LA

Complaint narrative:
I accepted a {$950.00} loan from Ascend in a desperate emergency situation. I did not realize or made clearly aware of that I was signing up for a 700.0000 % APR rate on the small loan I needed to get my daughter and I through the week. I finally realized what I had done when the amount of the drafts of {$270.00} coming out of my checking account as soon as my biweekly direct deposit got to my bank on paydays was still occuring after XXXX different pay periods. I called them to see what it was about and found out I was paying back {$4700.00} dollars to pay back the {$950.00} loan! I live in Louisiana where I there is a law that protects consumers from predatory lenders by capping payday loans apr rates at 32 %. I was floored when I realized it was an apr of 700.0000 % they had conned me into I'm still broke living paycheck to paycheck to support my daughter and I and there is no way ill ever have a chance of getting y head above water in a situation like this. I humbly pray and ask that you can help me resolve this matter where I don't end up way off worse than where I started. 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 explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding a XXXX XXXX  account ( account number beginning with XXXX ) that is being reported by Experian. The account fails to maintain maximum possible accuracy and completeness, as it lacks essential balance history, payment history, and scheduled payment information. This information is vital because the account is reporting alleged late payments that can not be verified through the reporting account itself. 

This incomplete reporting does not align with the requirements set forth in Title 15 USC 1681e of the Fair Credit Reporting Act, which mandates that consumer reporting agencies ensure accurate records. Furthermore, under 15 USC 1681i, I have the right to dispute inaccurate information, which reinforces the obligation of reporting agencies to maintain complete records. 

I have already disputed this matter with Experian ; however, the outcome indicated that the information was deemed accurate, despite its glaring incompleteness. An account can not be considered accurate if it does not contain the requisite details or completed in whole.

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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX DOB : XXXX SSNXXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX  XXXX - account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a XXXX payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date. 
Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: CA

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Bank Account # XXXX, I just recently viewed my credit report and noticed that an item was turned into a charge-off. I never received a 1099 and was wondering could you please send me a 1099 for the alleged item that is reporting as a charge-off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: TX

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment on time, as supported by the attached bank statements showing that the payment was processed well before the due date. 
Account Closed : The account was closed at my request, and no additional charges or late payments should have been reported after the closure date. I have attached documentation confirming this account closure. 
Incorrect Date Reported : The date of the alleged late payment does not match the account 's payment history or my bank records, which show timely payments. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-06 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:
Today I pulled my credit report and noticed a XXXX XXXX account. The XXXX XXXX account shows a date opened in XXXX XX/XX/XXXX and showing a different date opened for XXXX & Equifax, XX/XX/XXXX. 

This same account shows a credit limit of {$1600.00} for XXXX, {$1900.00} for XXXX and, a {$0.00} credit limit in Equifax. 

I have included a copy of the credit report page.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: CT

Complaint narrative:
In XX/XX/XXXX, I moved out of my apartment early and had to break my lease. The building management made up a lease break fee of {$5000.00}. I refused to pay this fee as it was not mentioned in the lease. They then withheld my security deposit, and claimed that I owed them {$1700.00} for leaving my lease. This fee was also not written in the lease so I refused to pay it. On XX/XX/XXXX, they sent a third party debt collector after me who contacted me through phone call and email. The building management told the debt collector that I did not pay XX/XX/XXXX rent. I showed the debt collector evidence that I in fact, did pay XX/XX/XXXX rent. The debt collector did not respond to the information I provided. Instead, they placed a collections account of {$700.00} with all three of my credit reporting agencies. 

I would like this collections account removed from my credit reports as a ) the debt collector is using false information to collect my debt and b ) the building management is still unlawfully withholding my {$1000.00} security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: CT

Complaint narrative:
In XX/XX/XXXX, I moved out of my apartment early and had to break my lease. The building management made up a lease break fee of {$5000.00}. I refused to pay this fee as it was not mentioned in the lease. They then withheld my security deposit, and claimed that I owed them {$1700.00} for leaving my lease. This fee was also not written in the lease so I refused to pay it. On XX/XX/XXXX, they sent a third party debt collector after me who contacted me through phone call and email. The building management told the debt collector that I did not pay XX/XX/XXXX rent. I showed the debt collector evidence that I in fact, did pay XX/XX/XXXX rent. The debt collector did not respond to the information I provided. Instead, they placed a collections account of {$700.00} with all three of my credit reporting agencies. 

I would like this collections account removed from my credit reports as a ) the debt collector is using false information to collect my debt and b ) the building management is still unlawfully withholding my {$1000.00} security deposit.

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 2024-10-06 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: MS

Complaint narrative:
i have sent letters to the furnisher as well sent a complaint to all XXXX agencies about Account : XXXX XXXX XXXX they are not license in the state of Mississippi to do business as a debt collector and reporting inaccurate information on my credit report and needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-06 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: MS

Complaint narrative:
i have sent letters to the furnisher as well sent a complaint to all XXXX agencies about Account : XXXX XXXX XXXX, they are not license in the state of XXXX  to do business as a debt collector and reporting inaccurate information on my credit report and needs to be deleted.

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 2024-10-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Creditor : XXXX CAPITAL ONEXXXX, you replied that the alleged transaction that you identified as late is validated. You have no proof that this alleged transaction was late.

15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
I filed a dispute regarding a home I purchased. I advised Chime that I purchased phone from a website and they phone didnt work. I messaged the seller and they told me to send the phone back for a fill refund in which I did. Nice they got the phone back I could not reach them ever again and they charged me again for the same phone. After I couldnt reach the merchant. I filed a dispute with chime for each transaction and they denied it even after I sent the exchange between me and the merchant showing where I was promised a refund. Then I had. 3rd dispute regarding a charge that I didnt make and cancelled my card and requested a new one and I was denied within 2 days with no reason why. Chime also reopened my 1st 2 disputes and denied them again and after I called today they opened it for a 3rd time. They need to be held accountable as my financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I had XXXX student loan with Navient. It was XXXX loan the original date was XX/XX/XXXX. XXXX for {$6100.00} and the other for {$4000.00} I paid on them for years and I paid in full on XX/XX/XXXX. The last payment I made was {$3200.00}. In XX/XX/XXXX, I heard of student loans being forgiven so I contacted Navient to see about getting my money back and putting the loan back on so I can get that forgiven and they said I couldnt. Ive recently seen in the news of Navient having to payout and wanted to see if I qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: IL

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-06 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: MD

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint as a victim of identity theft, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Enclosed are copies of my police report/identity theft report, my driver 's license, and proof of my current address as verification of my identity.

I recently obtained a copy of my credit file and identified information that does not correspond to any transactions I have made. I am requesting the immediate removal and permanent blocking of the following fraudulent accounts from my credit file. Under FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), I am entitled to have fraudulent information resulting from identity theft removed, and I expect this to be done within 4 days of receipt of this correspondence. 

This is not a routine dispute ; I have also filed a complaint with the Federal Trade Commission ( FTC ) documenting my case of identity theft. The following fraudulent accounts must be removed from my credit report : Identity Theft XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX Account Number XXXX XXXX Please ensure that these accounts are promptly removed from my credit file as required by law. 

Thank you for your immediate attention to this matter. 

Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, Proof of Identity ( Drivers License ), Proof of Address, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )

Company response to consumer: Closed with non-monetary relief