vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: VA

Complaint narrative:
EQUIFAX, XXXX, XXXX Reported Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing an official complaint on the basis of unverifiable second hand data otherwise known as XXXX. The above bureaus have collected data from the above sources. They compile this second-hand information into credit reports without directly verifying themselves independently each piece of information which is essential considering credit is a very big factor to accessing essential needs such as money and housing. While they believe they are collecting data from reliable sources it is not first hand knowledge which ignores the voice of the one being reported on. I am a housing choice voucher holder. I have put my 60 days notice into the current unit I am in to move to a safer and bigger unit. I have an excellent rental history and in addition to being a voucher holder I also make sufficient income working with a government contractor. I have been applying to several units, spending countless applications fees only to SOLELY be denied due to headsey on my credit report. I have only 30 days left in the current unit I am. I tried to rescind my notice to vacate only to find out that they have already reserved the units that I am in. So I have to be out by XXXX. The credit is the only stumbling block and if I do not secure a place to live in time I will be homeless and out of a job because I work at home. The places I have applied to and been denied housing is solely using my credit against me even though rental history is not reported to the 3 major bureaus and not considering other qualifying factors like good rental history, sufficient income and holding a voucher which is a guaranteed portion of the rent.One of the complexes is XXXX XXXX managed by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: NY

Complaint narrative:
I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
After calling XXXX, I got no response, then I called XXXX and was told to do a credit appeal which was wrong for my issue. Then I tried submitting a compliant on your site and received this message ; This page is currently unavailable. Were unable to take your feedback right now. We are working to resolve this issue as quickly as possible. Please come back later to resubmit. We apologize for the inconvenience. This message needs to get to your immediately and I can not wait until you fix it on your end. 

My issue is about my student loans and grants that are covered under the Title IV of the Higher Education Act of 1965 ( HEA ) ; listed on the Social Security Administration website in their PROGRAM OPERATIONS MANUAL SYSTEM ( POMS ). Each Loan Provider such as XXXX XXXX etc all had a duty to know all Federal Educational Loans were under the Title IV of 1965 and that all my student loans are a GIFT used to pay tuition, fees, or other necessary educational expenses from my UTMA account. My APPLICATION for credit was turned into a COLLATERAL SECURITY per 12 USC 412 and I was supposed to be given a cash advance which is a purchase money loan per 16 CFR 433.1 ( d ) from the loan provider as valuable consideration of exchange which was the application for them to trade on the secondary market for them to profit from but instead those loans are on my credit report as if I'm suppose to pay it back, that's FRAUD. SEE ATTACHMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: CA

Complaint narrative:
I am writing as a concerned consumer to address the accuracy and fairness of the information listed in my credit report. As you know, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ) was established to ensure accuracy, fairness, and privacy within consumer reporting agencies. The FCRA provides me with specific rights to ensure my credit report is both correct and that I am treated fairly during the reporting process. 

According to the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Informed of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my interactions with your agency to guarantee that my credit report is accurate, complete, and reflective of my actual credit history. Any discrepancies or inaccuracies should be corrected immediately to prevent harm to my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: GA

Complaint narrative:
I discovered unauthorized inquiries on my credit report this morning, and I have no clue why they are there. I check my report regularly, but today there were issues that appeared out of nowhere. I even tried refreshing my browser, hoping it was just an error, but the inquiries didnt disappear. This is extremely frustrating, and I need the documents Ive provided to be thoroughly reviewed so this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
I filed a XXXX XXXX XXXX  in 2014 and it was XXXX in XX/XX/year> case number XXXX. I contacted US Department of Education and sent them copies per email and mail. They still took my federal income taxes afterwards and have not removed this from my credit report. The company is still contacting me regarding the XXXX loans stating I was supposed to file a different Bankruptcy. It's noted in my discharg summary and I'm asking the company to refund my money, remove from credit report, take it out of default, and stop harassing me for more funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I opened my XXXX XXXX Secured Platinum credit card on XX/XX/XXXX, got my card XX/XX/XXXX. I got my first XXXX on XX/XX/XXXX. A few days later it was reported to my XXXX credit report only. it is now XX/XX/XXXX and my credit card has not been reported to my other credit bureaus... it should not take this long for it to be sent and reported. Usually within the first XXXX days the credit card is reported to the credit bureaus. 


Attached are screenshots from ( credit karma Equifax account ( s ) ) and XXXX Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened my XXXX XXXX Secured Platinum credit card on XX/XX/XXXX, got my card XX/XX/XXXX. I got my first Statement on XX/XX/XXXX. A few days later it was reported to my XXXX credit report only. it is now XX/XX/XXXX and my credit card has not been reported to my other credit bureaus... it should not take this long for it to be sent and reported. Usually within the first XXXX days the credit card is reported to the credit bureaus. 


Attached are screenshots from ( credit karma XXXX account ( s ) ) and Experian Accounts

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 2024-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Greeting Team, LLC DBA Customer Care Global
State: NV

Complaint narrative:
On XX/XX/year> I received an email regarding an alleged debt with XXXX ( online lender ) who has transferred a debt to Customer Care Global. Same day I emailed customer care global and referenced their account number. My request for verification was sent to customer care global  on XX/XX/year>. To date, no response has ever been received from customer care global.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My federal student loans taken out for the XXXX XXXX XXXX XXXX in XXXX and over the next 3 years were discharged by the Department of Education due to the misconduct of the XXXX XXXX and their parent company, XXXX. 

Some of the loans ( in the amount of {$52000.00} ) to the XXXX XXXX are private and are held by Navient. After my federal loans were discharged, I applied to have my private loans discharged by filing a XXXX XXXX XXXX application with Navient, including evidence, written statements, and my discharge paperwork from the government. 

The application was submitted on XX/XX/XXXX, they put a document in my Inbox on my account on their website on XX/XX/XXXX that said they had received my application, and I received no further word or information until XX/XX/XXXX, when they denied my application by posting a document to my inbox. They gave no reason for denying my application except to say I did not meet the requirements for discharge, though according to the Department of Education and the criteria Navient themselves list for school misconduct, I do. 

I would like to know the specific reasons my application was denied, what specific criteria they based my application denial on, and what further information Navient needs in order to approve my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
By letter dated XXXX Lexis Nexis indicated that they have verified a bankruptcy in my credit report as reporting accurately. They further confirmed that they did not get the information from the Bankruptcy Court but through a repository known as PACER. 

Additionally, Lexis Nexis has described the following : Lexis Nexis serves as a reseller of credit reports for XXXX, XXXXXXXX XXXX XXXX 
Lexis Nexis acts as Data Furnisher and reports bankruptcy to the creditor bureaus. 
Lexis Nexis initiates a dispute of bankruptcy record to the credit bureaus. 
XXXX XXXX XXXX XXXX then uses Lexis Nexis to verify information. 
Lexis Nexis verifies accuracy of information and resells credit reports. 

Verifying information as accurate presents a financial benefit to Lexis Nexis. Complete and Total CONFLICT of interest. 

Specifically, Lexis Nexis is reporting as accurate a case file number while simultaneously reporting, acting as a data furnisher, multiple different case file numbers between themselves and the credit bureaus. By letter dated XX/XX/scrub>XXXX it confirmed its accuracy. This represents clear and unmistakable error. Willful and negligent. 

They different case file numbers can not ALL be accurate. Lexis Nexis is relying on information from someone other than the source and the inaccurate information is causing financial harm. This is the second set of identified inaccuracies. By law, I am entitled to a complete and accurate consumer/credit report and Lexis Nexis is in violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: VA

Complaint narrative:
I PULLED MY CREDIT AND SAW INQUIRIES THAT WERE NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : Account Name : XXXX XXXX - Account Number : XXXX Account Name : Account Name : CHILD SUPPORT - Account Number : 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 2024-09-26 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: GA

Complaint narrative:
I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : Account Name : XXXX XXXX - Account Number : XXXX Account Name : Account Name : CHILD SUPPORT - Account Number : 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 2024-09-26 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: 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 non-monetary relief
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Credit Reporting Agencies, I am writing to bring to your immediate attention a critical issue regarding my credit report that has been causing me significant distress. An account from XXXX XXXX XXXX has been reported fraudulently, linked to a vehicle purchased using my personal information without my consent. Despite multiple attempts to have this account removed, it remains on my report, which is not only unjust but illegal. 

The fact that someone could misuse my personal information in this way is alarming and has left me feeling vulnerable. If this account has been charged off, it is illegal to continue reporting this debt, especially since it has already been compensated. The ongoing presence of this account is not just a clerical error ; it is severely impacting my credit score and my ability to secure financial opportunities. 

I have already filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, and I am prepared to escalate my actions further if this situation is not resolved promptly. 

Additionally, I am demanding the immediate removal of any accounts associated with XXXX XXXX XXXX XXXX XXXX . This company has illegally obtained my private information, including my Social Security number, which is a serious violation of my rights. The unauthorized purchase of my personal data is unacceptable, and I will take legal action if this information is not removed immediately. 

This letter serves as a formal notice. I expect written confirmation that the fraudulent account from XXXX XXXX XXXX and any related records from XXXX XXXX XXXX have been removed from my credit report. Please take this matter seriously and act swiftly. I can not allow this situation to continue impacting my life any longer. 

Thank you for your prompt attention to this urgent matter. I hope for a resolution that allows me to regain my financial integrity. 

Sincerely, 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 2024-09-26 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: GA

Complaint narrative:
Dear Credit Reporting Agencies, I am writing to bring to your immediate attention a critical issue regarding my credit report that has been causing me significant distress. An account from XXXX XXXX XXXX has been reported fraudulently, linked to a vehicle purchased using my personal information without my consent. Despite multiple attempts to have this account removed, it remains on my report, which is not only unjust but illegal. 

The fact that someone could misuse my personal information in this way is alarming and has left me feeling vulnerable. If this account has been charged off, it is illegal to continue reporting this debt, especially since it has already been compensated. The ongoing presence of this account is not just a clerical error ; it is severely impacting my credit score and my ability to secure financial opportunities. 

I have already filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter, and I am prepared to escalate my actions further if this situation is not resolved promptly. 

Additionally, I am demanding the immediate removal of any accounts associated with XXXX XXXX XXXX XXXX XXXX . This company has illegally obtained my private information, including my Social Security number, which is a serious violation of my rights. The unauthorized purchase of my personal data is unacceptable, and I will take legal action if this information is not removed immediately. 

This letter serves as a formal notice. I expect written confirmation that the fraudulent account from XXXX XXXX XXXX and any related records from XXXX XXXX XXXX have been removed from my credit report. Please take this matter seriously and act swiftly. I can not allow this situation to continue impacting my life any longer. 

Thank you for your prompt attention to this urgent matter. I hope for a resolution that allows me to regain my financial integrity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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:
On XX/XX/year>, my house was broken in. All my identity documents were stolen and later used by someone else to apply for loan and credit card. While I have reported the incidence to police, banks and other credit departments including XXXX, XXXX and Experian ( report # XXXX ), I thought it was settled. 
XXXX has closed the fraudulent account on my name. It disappeared from my Experian credit report. 
XXXX has closed the fraudulent account after investigating ; however, the XXXX loan is still reflecting the impact of my Experian credit score.

Also, on Experian report, one of address, XXXX XXXX XXXX XXXX, XXXX, IL XXXX and phone number XXXX is not mine, they should be one stated above. 
I've sent many time requests to Experian to explaining my issue and asked them to remove fraudulent XXXX loan account, wrong number and wrong address from my credit report, but it still on my credit report, it has bad impact to my score. Since the case was proven it was an actual identity theft incident, I request Experian restore my credit rating.

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