vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I disputed an entry on my credit report with Experian Credit Buearu and uploaded 20+ pages of documentation detailing a seven month effort to validate this entry. 

I reached out to the contact address and email listed ( as I'm XXXX low hearing do don't engage via phone ) and per both Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) this entry should be deleted from my credit report. 

I sent a written and electronic request to the collector and they were unable to respond back with the legal requirements and requested pieces of information. I shared a copy of the letter with the itemized pieces of information I was legally due and wanted to see and they responded they were unable to provide this information. 

I shared this thread and again multiple documents as reference points with Experian and they shared an auto generated template about what their role in the dispute process is and how it's simply to ensure the items the collector has have the same name and contacts on my credit profile. No request for the original creditor, a valid contract between parties, receipt of a debt- as I have documents that I owe no such debt. And then as a collector, authenticity of their authority - their collector 's agent license number, evidence of their legal right to collect in the state of Nevada where I live, and if this is an actual debt, record of the transfer of ownership or receipt of sale of debt. 

Not only was none of this provided, the collector in question provided no method to contest the debt or intake verification that it was not valid. 

I presented all of this to Experian, along with multiple threads and documentation of being a victim XXXX times over of a data leak by XXXX large XXXX XXXX companies and my own personal identity stolen and fraudulent accounts and action taken in my name. 

None of this was handled correctly to remove the entry and now I have been denied housing because of this illegal error and Experian is ( rightfully ) bracing for contact from my legal counsel until this is removed. 

I would love for this complaint to evade that process and for Experian to allow a mediator to help them see this is a failure on their part that need to be rectified immediately, but I also want all consumers to know this is victimization and exploitation by careless process on Experian 's part as well.

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 2023-11-26 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit report effective immediately. I have proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing to help me with the removal of these accounts. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I have proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing to help me with the removal of these accounts. 


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 2023-11-26 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. This account has violated my rights.

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
August 29-30th XXXX  it was I reached out to XXXX XXXX  to purchase a new vehicle my husband and I drove out of our way to make this purchase. We walked away with a new vehicle then a few days later Im getting notifications back to back from my XXXX app that someone was trying to gain access to my credit profile only it was locked but they were able to obtain both transunion and XXXX profiles. I look and see that XXXX XXXX  XXXX, Ga had used my ssn for over 10 different banks to get access to a loan none of which I gave permission for or did XXXX  mention this. This is unfair and disrespectful I would like all inquiries removed. The dates for the inquiries are from 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 2023-11-26 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: NY

Complaint narrative:
I sent letters over 30 days ago asking how do you verify bankruptcy and how did you get this personal information on my credit report. 
I also ask them to verify this bankruptcy on my credit report and send me a letter explaining the procedure they used to verify this Bankruptcy listed on my credit report. 
They have also blocked me from filing disputes online.

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 2023-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy ( 15 USC 1681 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 end consumer credit plan as late for any purpose.

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 2023-11-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX Account Number XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy ( 15 USC 1681 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 end consumer credit plan as late for any purpose.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
A charge-off was reported at the beginning of 2020. The balance of said charge-off is reporting as current and has increased my credit card utilization in clear violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: FL

Complaint narrative:
During the summer of XXXX, I consolidated five loans with Nelnet to XXXX. The five loans were the amounts of {$8700.00}, {$11000.00}, {$10000.00}, {$6000.00}, {$5100.00}, for a total of {$41000.00}. My loan with XXXX included the above amounts and outstanding interest of {$4100.00} for a grand total of {$45000.00}. The loan I am paying with XXXX is {$46000.00} before interest but covers all amounts mentioned above and I was assured that Nelnet was paid off completely. I then logged in shortly after and monitored months later and for years after I had a XXXX balance, which lasted for five years until a couple of months ago when a balance appeared in my credit monitoring app. 

That did not make sense to me and I assumed XXXX would take care of it since I am five years into my ten-year loan. I was shocked when I received a bill from Nelnet with an XX/XX/XXXX due date for the last two loans in that group, ( {$6000.00} and {$5100.00} ). I first called XXXX and a ticket was created to investigate the issue. Then I called Nelnet but could not reach anyone and was on hold for over 2 hours. I sent an email to the XXXX address explaining the above and have been calling since then but no one answers the calls. 

I have been assured by XXXX that they are trying to get to the bottom of this issue but they are not able to view any data before XXXX. Nelnet is still showing past due for loans that were paid five years ago and it is affecting my credit. I have all the documents and provided to both parties that both these loans were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I used a Citi ( R ) Card MasterCard ending in XXXX to pay for my trip from XXXX to XXXX on the website XXXX. A travel agency XXXX XXXX XXXX XXXX. XXXX issued two tickets : XXXX - XXXX - XXXX XXXX ( ticket # XXXX {$180.00} ; attached file " XXXX ) and XXXX XXXX XXXX XXXX XXXX ( ticket # XXXX ; {$700.00} ; attached file " XXXX ). The first flight to XXXX was delayed and I missed the connecting flight. I called XXXX XXXX trying to reschedule my flights XXXX XXXX and XXXX. The airline agent couldn't offer me any flight during the next three day and I asked him to cancel the ticket and to refund. He explained me that only the booking agent ( XXXX  ) can cancel the ticket and request the refund. He gave me XXXX 's phone number and I called them. The XXXX agent agreed to cancel both tickets and seek refunds from the airlines. The itinerary was canceled. 
Later I received the emails from XXXX that asked to confirm the cancellation request. One of the emails informed me that I had to apply for refund of the XXXX XXXX ticket. I did that. 
On XX/XX/ I received an email from XXXX XXXX ( see the attached file " XXXX '' ) that stated that they had refunded the amount of {$100.00} on MasterCard ending in XXXX. I assume that this is the XXXX MasterCard that was used to pay for the ticket. 
I didn't receive any email or call regarding the XXXX XXXX refund ; however, its agent told me during the call that they would refund the cost of the ticket. 
XXXX collected the airline refunds and didn't transfer them on my Citi ( R ) Card MasterCard ending XXXX that was used to pay for the booking. I sent them messages regarding the refunds and didn't get any answer. 
I called to Citi ( R ) Card office and asked to dispute the transaction ( {$880.00} ). It was a payment to XXXX for two tickets. The billing dispute department of CitiCard initiated a cancellation dispute with XXXX and received a misleading response on XX/XX/ ( see the attached file Citi_dispute_attach.pdf ). The response described my communication with them regarding the first ticket and didn't mention the refunds for two tickets that XXXX collected from the airlines. I sent an email with attached documents ( see the attached file XXXX ) to the department describing the essence of the dispute. The department refused to consider documents related to fraud committed by XXXX ( see the attached file Citi_dispute_update.pdf ). 
I have repeatedly appealed to the department staff with a request to reopen the dispute as a fraud investigation, but this did not happen. It looks like the department procedures facilitate fraud. 
XXXX company XXXX XXXX XXXX, which owns the website XXXX, committed fraud, and Citi Card condoned it.

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 2023-11-26 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: MD

Complaint narrative:
Subject : Formal Complaint and Request for Expedited Resolution under Fair Credit Reporting Act Dear CFPB, I hope this message finds you well. I am writing to inform you that I am currently in the process of removing/blocking fraudulent and inaccurate information on my credit report from all three credit bureaus. To formalize this complaint and expedite the resolution process, I am filing an FTC report with you the Consumer Financial Protection Bureau ( CFPB ).

In accordance with Section 605B of the Fair Credit Reporting Act, I am requesting the prompt removal of the identified fraudulent and inaccurate information within four days. I believe this expedited resolution is warranted to rectify the inaccuracies and uphold the integrity of my credit report.

Enclosed with this communication, you will find the necessary documentation, including my FTC Identity Theft Report and proof of identity. I kindly request your immediate attention to this matter and appreciate your prompt response.

Should you require any additional information or documentation, please do not hesitate to contact me. I trust that we can resolve this matter efficiently and ensure the accuracy of my credit report.

Thank you for your cooperation.

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 2023-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Hello I am having issues with my loan servicer Aidvantage, my first payment was processed on time on XX/XX/XXXX and I tried to set up auto payments going forward with the first one scheduled for XX/XX/XXXX. When XX/XX/XXXX arrived I saw that my auto payment was not processed and no money then out of my bank account even though I had submitted it and received email confirmation the auto payments were approved. I called and they said it take a few days to process. However when I logged back in on XX/XX/XXXX it was saying my payments were past due. I decided to cancel my auto pay since it does not seem like it working and the one-time payment I made in XXXX was successfully processed. I am frustrated with this company because it does not appear that they are able to process payments on time yet they will show up on your profile as past due even if it is entirely their fault for not processing payments properly. I have a separate loan with another servicer and I have never had an issue with them processing a payment. Nothing should show as past due if a payment was already submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: MI

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I am writing to lodge a formal and grave complaint against Waypoint Resource Group , LLC, pertaining to their ongoing and egregious violations of the Fair Debt Collection Practices Act ( FDCPA ), particularly in their handling of a debt they allege I owe. My attempts to resolve this matter have been met with a blatant disregard for legal protocols and consumer rights. Despite my proactive and legally substantiated efforts to dispute this debt, including sending certified letters on XX/XX/XXXX and XX/XX/2023, and a subsequent letter on XX/XX/2023, Waypoint Resource Group , LLC, in conjunction with XXXX XXXX, has failed to provide any form of legitimate debt validation. This is a clear violation of the FDCPA, which mandates that debt collection agencies must cease collection activities until they can verify the debt once it is disputed. Instead of complying with these legal obligations, Waypoint Resource Group , LLC has continued their collection attempts unabated, showing a complete and alarming disregard for federal laws designed to protect consumers. Their actions not only demonstrate an utter lack of due diligence and ethical conduct but also reflect a predatory approach towards debt collection. Such behavior is indicative of a systemic problem within the organization, which I believe warrants a thorough investigation by your office. The impact of this situation on my personal and financial well-being has been substantial, causing undue stress and concern. It is imperative that agencies like Waypoint Resource Group , LLC are held accountable for their actions to prevent such unscrupulous practices from harming other consumers. I urge the CFPB to take my complaint with the utmost seriousness and to consider stringent actions that might include thorough investigation, enforcement of penalties, and ensuring such practices are unequivocally rectified. It is crucial that this matter is not only resolved in my case but also that measures are taken to prevent similar occurrences in the future, thereby upholding the integrity of consumer rights and the efficacy of the FDCPA.

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 2023-11-26 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:
XXXX XXXX XXXX it was I reached out to XXXX XXXX to purchase a new vehicle my husband and I drove out of our way to make this purchase. We walked away with a new vehicle then a few days later Im getting notifications back to back from my XXXX app that someone was trying to gain access to my credit profile only it was locked but they were able to obtain both XXXX  and equifax profiles. I look and see that XXXX XXXX  XXXX, Ga had used my ssn for over 10 different banks to get access to a loan none of which I gave permission for or did XXXX  mention this. This is unfair and disrespectful I would like all inquiries removed. The dates for the inquiries are from XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation