vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Immediate Removal of Outdated Information from Credit Report and Compensation for Violations Dear XXXX XXXX XXXX and Equifax Information Services LLC , I am writing to request the immediate removal of outdated information regarding my account from my Equifax credit report dated XX/XX/XXXX . According to the Fair Credit Reporting Act ( FCRA ), negative information such as late payments or collections should not be reported for more than 7 years from the date of first delinquency.

The account in question is : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid and Closed Since the last activity on this account was in XX/XX/XXXX, it has been well over 7 years and this information should no longer appear on my credit report. I kindly request that both XXXX XXXX XXXX and Equifax investigate this matter and take the necessary steps to ensure this outdated information is removed from my credit report promptly.

In addition to the removal of this outdated information, I am seeking compensation for the violations of my rights under both state and federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and any applicable state consumer protection statutes. The continuous reporting of this outdated information has caused significant harm to my creditworthiness and financial well-being over an extended period.

Based on these violations and the harm caused, I am demanding compensation in the amount of {$10000.00}. This amount is intended to cover damages related to the negative impact on my credit report, financial distress, and any other related inconveniences.

Please confirm in writing that this correction has been made and provide details on the compensation for the violations incurred. If this matter is not resolved to my satisfaction, I will consider pursuing further legal action.

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have requested a debt validation along with the purchase agreement and they failed to provide this information Certified mail sent and recieved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have requested a debt validation along with the purchase agreement and they failed to provide this information Certified mail sent and recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX. 

My student loan servicer is Nelnet and their website has been down for the last 2 days. I initially successfully, logged in yesterday ( XX/XX/XXXX ) to check a message and discovered that my administrative forbearance is over and my payments restart XX/XX/XXXX. Later in the day I attempted to log-in so that I could set up autopay as that gives me a discount on loan payments. I keep getting an error page stating that the website can not be loaded. .The same error appears during today 's log-in attempts on XX/XX/XXXX. I have not yet attempted to contact them as they have notoriously long hold times and due to work obligations as a XXXX, I do not have time to wait for hours on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: CA

Complaint narrative:
I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. This item is inaccurate or incomplete.

Please investigate these issues as quickly as possible because they are having an adverse effect on my financial situation and has caused me financial distress in other areas as well.

Kindly remove or correct the information : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: AZ

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2024 at XXXX I called TransUnion to asked to speak to the fraud department. Once connected I explained how TransUnion is reporting inaccurate information on my file and how it's fraudulent. I explained to the agent that I have already had the Public Record removed from XXXX and XXXX and the documents that I sent them. I explained that I have also provided the same documentation to TransUnion as the other agencies and the Public Record has since been removed. The agent at TransUnion proceeded to tell me that I needed to go to the court and ask to have the public record expunged. I proceeded to ask the agent how can I get a letter for a Public Record for a bankruptcy that does belong to me.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2024-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
Good Morning, I went to renew my information on XX/XX/year>, for the XXXX year, including renewing my XXXX information. I got a new job making more money. I submitted that information under the XXXX XXXX. However, I could not afford the payment of XXXX. In XXXX, I spoke to another representative about my payment issues, and they stated I could remain at my XXXX payment for another year due to a policy imposed by the XXXX XXXX. This worked to my benefit and was a great relief. 

However, I have been placed on an administrative forbearance since XXXX while my recalculation has been in process. The problem is, I got a notification from MOHELA stating my payment of {$310.00} would be due around XX/XX/year>, and the information they previously gave me about the old payment of XXXX was not correct as I have been in recalculation status since XXXX and will not find out what my payment will be until XX/XX/year>. This information was given to me on XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
This is with BP Visa card from fnbo. 

Back on XX/XX/year> I pay my credit card bill as I do every month, amount I usually pay are between {$150.00} to {$400.00}. but on that day Bp shows that I input {$4000.00} as a payment, although balance owed was {$3300.00}. I called BP at XXXX XXXX they advice that they cant stop the payment, I told them I never input {$4000.00} they didnt care, I told them if its a mistake from my part I only owe {$3300.00} they said nothing they can do. I called my XXXX XXXX XXXXXXXX my checking account bank, they told me that there is no sufficient fund to pay it it will nt be paid, but I have other bill that are being retuen due to my account went on overdraft. 
So I let it go and paid the fees thinking that might be that i mistakenly input that amount. 

But now again it happen this month I input to pay {$300.00} and Bp submit a payment of {$7000.00}. That is redicolous I never paid this amount. Now I'm sure that there is a glitch or some issue with their system. Its causing my other bill that I pay in my Bank to send back. I call BP some call center in XXXX XXXX, they didnt care, when I ask for manager they put soem interference niose on teh phone, so I will hang up,

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 monetary relief
Consumer complaint received 2024-06-25 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: IN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.

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 2024-06-25 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX- I opened a checking account for my son, and when I opened it, I keyed in the incorrect SSN. Upon discovering this, I called XXXX, and reported it. They wanted me to forge a federal document ( W-9 ), and sign my name to my son 's information, to correct the SSN, that they allowed to be opened in the first place without a W-9. The " Certification '' section of the W-9 certifies that " The number shown on this form is MY correct taxpayer identification number. '' And since it is NOT MINE, I can not sign it. I verified that can sign a W-9, since it is NOT a contract, and just attesting to the correct information. They refuse to correct the information, and are refusing to give me my deposit of {$50.00} back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: PA

Complaint narrative:
Applied for a reverse mortage with Mutual of Omaha this spring and first was told appraisel would be XXXX $ got first letter stating now it will be XXXX $ .Then was told by XXXX XXXX that the underwriter has a list of request that seemed very unfair we have great credit and never had issues like this before .Then XXXX XXXX informed me that the underwriter is XXXX and i feel that the underwriter XXXX XXXXXXXX XXXX XXXX investgated me and possibly looked into my XXXX posts and seen that I dont beleive in that type of acctivity and possibly made it very ulikely that i could secure the loan I did return request that they asked for and when I tried to call to see whats going on with my loan no responce .I deeply feel discrimanated against .I have purchased large loans in my past with no know issues thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my leased Truck was XXXX XXXX XXXX XXXX. My truck was in the XXXX dealership body shop where I leased it from, between the dates of XX/XX/XXXX until my lease ended, which was XX/XX/XXXX. I never got the truck back. GM was delayed in getting a XXXX to the dealer to XXXX the truck. The dealer checked in the truck after the lease end date which caused my lease to automatically renew for one month. GM Financial added another payment to my lease. All lease payments were made on time to GM Financial throughout my entire lease. I never defaulted on payments. I've been contact with GM Financial for several months daily, calling, emailing and talking to supervisors letting them know I don't owe any more payments. The dealer and GM themselves have called GM Financial to let them know I don't have the truck and it was checked in late by the dealer, which, is not my fault. XXXX XXXX is the dealer. They were told numerous times to check in the truck, however, they were negligent and did not on time. Now GM Financial has reported me to the credit bureaus and has drastically affected my XXXX XXXX. I am trying to buy a house and I have to get another vehicle. My credit score was XXXX now it is XXXX because of this. I did nothing wrong. I paid GM financial all my payments that were required and now I am affected drastically by this. I am stressed out and NO ONE gets back to me. They all apologize the for the inconvenience, however, nothing changes. NOT one person from GM financial has called me back to resolve this. They reported me and still say I owe a payment when GM is trying reimburse me for payments made for the whole year I didn't even have the truck. GM Financial has been made aware of XXXX XXXX 's late check in date, GM Financial 's system does not allow for the dealer to check in the truck more than 2 weeks in the past. I have tons of email, phone call and letter documentation that supports all my claims. This is completely unfair and abusive by GM Financial. There is no valid reason for them to report me to the credit bureau. I've worked very hard in my life and have maintained an excellent credit score, which now has been drastically affected. I have missed important meetings, phone calls and reviews for my employees due to being on the phone with GM Financial and concerning this matter. I am appalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
My account with ( XXXX ) was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( 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 2024-06-25 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: IL

Complaint narrative:
My account with ( XXXX  ) was never late! I have had exceptional payment history witH 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( 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 explanation
Consumer complaint received 2024-06-25 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: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: FL

Complaint narrative:
This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue stress and is affecting me negatively.

Company response to consumer: Closed with explanation