vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 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: MOHELA
State: CA

Complaint narrative:
The SAVE plan is supposed to prevent interest from capitalizing, my interest is capitalizing and increasing my principal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: IL

Complaint narrative:
I am having a XXXX problem with Loancare Mortgage Servicing. XXXX XXXX XXXX XXXX XXXX, VA XXXX with regard to alleged outstanding late fees on my Mortgage Loan. XXXX XXXX XXXX for my XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 

Loan Care became the loan servicing company in XX/XX/XXXX. Starting in XX/XX/XXXX, and every month thereafter, XXXXXXXX XXXX has send an automatic payment in the amount of {$1200.00} monthly, which is the fixed monthly payment ( Principal and Interest ) for the life of the loan. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) The loan has not Escrow account. I pay my own insurance and taxes I have provided Loancare with all Insurance Documents, both from XXXX XXXX XXXX and policies I purchased and maintain. 

Loancare has assessed late fees to my loan even though every payment has been made ontime. 

On XX/XX/XXXX I called Loancare Customer Service to try and resolve. After an extended call with Customer Service, I was advised that they could not resolve the late fee issue. I was instructed to email XXXX to open case to research this issue. I emailed loancare on XX/XX/XXXX as instructed. ( Attachement B ). 

MONTHLY Statement XX/XX/XXXX ( Attachment C ) shows a Past Due Amount of {$1400.00} and a Late Fee of {$64.00} DESPITE EVERY MORTGAGE PAYMENT SINCE XX/XX/XXXX WAS MADE ONTIME. 

XX/XX/XXXX Loancare sent me a letter ( Attachment D ) that I have missed XXXX mortgage payment and my account is 40 days past due. They mention FORECLOSURE.

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 2024-07-09 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: TX

Complaint narrative:
My efforts to resolve the issue of fraudulent inquiries on my consumer report have been unsuccessful. These inquiries are entirely unrelated to me, and I am not responsible for them. Their presence has caused me significant mental anguish and financial hardship. As an identity theft victim, I may need to pursue legal action if this isn't properly addressed. These false and fraudulent entries have prevented me from purchasing my dream home and adequately providing for my family. The impact on my financial health has been severe. I've attached a copy of my previous letter to the Federal Trade Commission ( FTC ) detailing this issue and requesting resolution for your reference.

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 2024-07-09 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/XXXX, my accounts with Affirm ( Account Numbers : XXXX, XXXX, XXXX ) were locked and placed under investigation. During this period, I received explicit verbal instructions from Affirm representatives not to make any payments until the investigation was resolved. 

Despite following these instructions, late payments were reported on my credit report for XX/XX/XXXX : XXXX : 90 days late XXXX : 60 days late XXXX : 30 days late I contacted Affirm multiple times to resolve this issue and was informed that regulatory constraints prevented them from amending the credit report. This response contradicts the verbal instructions I received during numerous calls ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), advising me not to make payments while the accounts were under investigation. 

I actively attempted to make payments during this period but was initially prevented from doing so by Affirms system. Only after insisting and escalating the matter to a supervisor, and after multiple attempts, was I allowed to make a payment using an alternative method. 

On XX/XX/XXXX, I contacted Affirm again to address these discrepancies, but the issue remains unresolved. I have sent a formal dispute letter to Affirms XXXX XXXX office, detailing these inaccuracies and requesting an investigation. I included screenshots of a XX/XX/XXXX email and detailed call logs as evidence. 

The inaccurate late payment entries on my credit report do not reflect the actual circumstances and are compromising my creditworthiness. I request a thorough investigation into these entries and their removal from my credit report. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management contacted my girlfriend. Gave all accounts and exact balances owed. This is regarding 3 XXXX XXXX XXXX XXXXs and XXXX XXXX / XXXX card. They did this without any authorization. This was done on the morning of XX/XX/24

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: AZ

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 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 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 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 2024-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Credit account was created under my name for a company that I have never done business with XXXX XXXX XXXX ) using a fraudulent address in a city and state ( XXXX, NC ) that I have never resided in. Radius Global Solution is the company which is attempting to collect this fraudulent debt amounting to {$5500.00}. I was notified of this debt on XXXX.com on XX/XX/year> and never received any physical nor electronic mail at an address which I have currently nor previously resided nor an email account which I currently nor have ever used.

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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm personally submitting this complaint regarding late payments on my credit record. Upon reviewing my file, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no reply, and adequate validation has not been provided. I'm requesting your help to address this situation promptly and effectively.

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 2024-07-09 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: TX

Complaint narrative:
I'm personally submitting this complaint regarding late payments on my credit record. Upon reviewing my file, I discovered these late payment entries. I sent correspondence about this issue more than 30 days ago but have received no reply, and adequate validation has not been provided. I'm requesting your help to address this situation promptly and effectively.

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 2024-07-09 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: MN

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.

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 inructions 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. 

These are the inquiries which should be off from report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I attended XXXX XXXX in XXXX Illinois in XXXX and in XXXX the XXXX XXXX XXXX found XXXX operated on a culture of false promises, lies, and manipulation in order to profit off student debt. 

At the time of my attendance, it was not explained to me this would be a private loan as the first loan I received was a Federal Loan ( Has been XXXX ). 

A {$7500.00} private loan has now ballooned into over {$25000.00} even though I have made a total of {$12000.00} in payments over the past 8 years. 

I went through my Illinois Attorney General to file the complaint and complete a Navient School Misconduct Discharge application, but the application was denied by Navient ( denial letter attached ) with a very vague explanation " you do not meet the requirements for discharge based on misconduct by your school. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX. 
Address XXXX XXXX XXXX XXXX, Florida XXXX Date : XX/XX/year> In accordance with the fair crediting report act. The list of accounts has VIOLATED my federal protected consumer rights to privacy and confidentiality under 15 USC 1681.

I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you investigate the completeness and accuracy of the list of accounts below. I am writing to dispute certain information on my credit report. 

I believe there is an error in the information provided, and I am requesting that it be investigated and corrected. The inaccurate information is damaging my credit profile and does not reflect my credit history accurately. as well as illegally charged off and sold to another collection company I request that investigate this matter and correct the disputed items as soon as possible. Please provide me with a copy of my corrected credit report once the investigation is complete. 

Thank you for your prompt attention to this matter. Please inform me in writing of the results of your investigation. 


Account name : XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. Original Creditor was ( XXXX ) Account name XXXX XXXX XXXX Account XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Account name XXXX. XXXX, XXXX Account XXXX investigate the completeness and accuracy of every piece of information If it's not accurate, please remove it from my credit report. 

Sincerely, 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 2024-07-09 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: GA

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



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 2024-07-09 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity Please let me know if any additional information is necessary to remove the charge-off from your records. I appreciate your assistance. 



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 explanation
Consumer complaint received 2024-07-09 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: MA

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding is inaccuratel reporting information on my credit report which is a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation