vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: GA

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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
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. 

Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 non-monetary relief
Consumer complaint received 2024-06-24 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: NE

Complaint narrative:
My account with XXXX XXXX, XXXXXXXX XXXX was never late ! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 that are 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. 


XXXX XXXX, XXXX, XXXX 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 2024-06-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: PA

Complaint narrative:
Subject : Formal Complaint Against Carvana for Unauthorized Financial Transactions and Non-Disclosure of Terms Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Carvana due to unresolved issues stemming from a transaction initiated on XX/XX/XXXX. On this date, I agreed to trade in my XXXX XXXX XXXX for a XXXX XXXX XXXX, with the financial terms as follows : a purchase price of approximately {$56000.00}, with {$22000.00} accounted as trade-in value, a cash down payment of {$25000.00}, and {$10000.00} financed through Carvana. 

The vehicle was scheduled for delivery on XX/XX/XXXX, at my residence in XXXX XXXX, Pennsylvania. Shortly after finalizing the agreement, I was informed by Carvana that my Pennsylvania drivers license, due to expire on XX/XX/XXXX, did not comply with their internal policy requiring the license to be valid for 60 days post-deliverya stipulation not disclosed prior to the agreement. 

Despite my immediate response highlighting the impracticality of renewing my license by the delivery date, and my request to cancel the transaction should my current license be unacceptable, Carvana proceeded to withdraw the {$25000.00} down payment from my checking account on XX/XX/XXXX. 

In an attempt to meet Carvana 's requirements, I renewed my license on the PA DOTs website, however, Carvana deemed the additional provisional documentation insufficient and refused to deliver the vehicle as agreed. 

Consequently, I demanded the immediate return of my deposit on XX/XX/XXXX. Carvana indicated that the funds would be returned by no later than XX/XX/XXXX, despite the fact that they managed to withdraw these funds in less than two business days. This delay in refunding my money is unwarranted and unacceptable, given that the terms of the transaction were not honored. 

This conduct by Carvana not only breaches our original agreement but also exemplifies poor business practices by imposing undisclosed terms after the agreement and unjustly withholding significant funds from my account. 

I am seeking the CFPB 's assistance to ensure the prompt return of my {$25000.00} cash down payment, as well as the additional {$290.00} delivery fee. Enclosed are all relevant communications with Carvana, screenshots showing the withdrawal from my checking account, proof of my current valid license, and documentation of my license renewal. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at

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 2024-06-24 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: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
FirstPoint Collection Resources has been reporting a collection on my consumer reports which has been tarnishing my reputation and causing me undue hardship. I do not know who this company is. I have never received any type of correspondence from this company stating that I am obligated to pay this company for this alleged debt. I have never done business with this company nor have I ever gave any permissible purpose to this company to have my information, or to report anything on my consumer reports. Nothing was ever validated with me in regard to this alleged debt. FirstPoint has illegally obtained my personal information and chose to illegally report this alleged debt on my consumer reports without verifying the facts of this account and also without providing me the opportunity to accept or reject any validity of this alleged debt. Their illegal practices have not been fair. This grave error has violated many federal laws of the FDCPA and need to be rectified ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
On XX/XX/year> my wife and I sold our home in XXXX XXXX, CA. and moved to XXXX, NV. We had a escrow account refund balance due to us and we were told that it would take approximately 20 days for us to receive it. At this time we provided our new mailing address to our mortgage company Pennymac. On XX/XX/year> we called PennyMac to check on the status of our refund. We spoke with XXXX ( Customer Service Rep ) who informed us that the payment was being processed to mail to our old California address and not our new address. We were confused since we had previously provided our new address to PennyMac on XX/XX/XXXX. We updated our address again but XXXX suggested that we sign up for E-Disbursement which would allow Pennymac to deposit our refund into our bank account and get our funds quicker. She said this process would take approximately 4-8 business days to happen. We called Pennymac today ( XX/XX/XXXX ) to follow up with them and were alarmed to find out that Pennymac had mailed our check out on XX/XX/XXXX to our new address. Our complaint is that if they were going to mail the check why did they suggest that we provide our bank information to them without even using it. We have had issues before with providing our bank information and getting burned because of it. Pennymac is a huge corporation and we would not like it if our bank information was compromised in any way. We spoke to a Supervisor ( XXXX XXXX today and she didn't have any logical reason as to why this occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a matter of fact, XXXX was investigated by XXXX XXXX XXXX? XXXX -- XXXX Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as DeVry, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my Fed. loans of over {$200000.00} were discharged and my credit repaired. My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member. I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After I received the message from Navient that I qualified for the school misconduct application to be sent to me, I filled it out and printed off copies of evidence of school misconduct from XXXX then sent in my application. 
I received a reply back on that I was denied for multiple reasons but they did not tell me a specific reason why my application was denied even after all the evidence I provided. It is a well known fact that XXXX is a school that has had misconduct for years but I have paid over {$38000.00} to Navient since XXXX, I still owe {$20000.00} and have never been in default and was still denied without a specific reason. My original loan balance was only {$21000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: CA

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

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

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

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

Company 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 2024-06-24 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: CA

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

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

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

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

Company 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