vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
navy federal credit union hired conserv to retrieve the overdrawn checking account balance of XXXX dollars I had with them. This company, conserv calls me multiple times a day and with different numbers. they even call late at nights as well. I am a XXXX  veteran with so many health issues that I can't deal with it and being on so many medications that I can barely function. navy federal also refuses to refund me the XXXX dollars and XXXX dollars I paid them on the XXXX of XXXX, 2024. Each time I call, they said they can't do anything for me. I contacted my local state congressman already. I also plan to get the state attorney general 's office involved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: NV

Complaint narrative:
The Following inquiries on my credit report were not initiated by me. I've attempted to call them multiple times, and they won't delete them even though I have a fraud alert as well as an identity theft affidavit that was sent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven
years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: NY

Complaint narrative:
I recently reviewed my credit report and found several billing errors. The late payments listed do not align with my usual payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I went to pay my credit card bill via the Amex app. When I hit submit I got an error message saying that the payment did not go through and to try again later. 

When I logged back in to try again, the payment was listed three times in the Amex portal credit a negative balance of roughly ( $ XXXX ). 

I called my XXXX XXXX  ( which had my checking account and they confirmed Amex took two payments ( not three ) and that Amex would have to return one. 

I called Amex on XXXX alerting them of the issue and they said that they would correct the balance to shown two transactions and then issue a refund back to XXXX and it would take one business day. 

I checked back and the statement was adjusted to show two transactions reducing the negative balance to ( $ XXXX ) but there was no refund in progress. 

I called back on XX/XX/XXXX and they said that they apologized and would have to reissue the refund request as they do not know what happened and that this individual would personally call me back on XX/XX/XXXX and it should be completed by then. 

I checked again and on XX/XX/XXXX there was not any change and I had not been followed up with so I called back again to talk to XXXX who said she would issue ANOTHER request for my refund. 

I have no email from Amex saying its in progress, no follow up from anyone from the team and its been 4 weeks since this started.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I was informed that Navient received my Bankruptcy Notice in XXXX. I also completed the School Misconduct Discharge Application in XX/XX/XXXX. I made payments monthly from XXXX thru XXXX of XXXX. If my loan was discharged for Misconduct why would Navient not refund my payments made totally more than {$4000.00}. When I spoke to a Rep. from Navient I was told that any refund given would result in me having a new balance to pay. 

How can this be and how is it fair that payments were collected from me for a loan that was initially under Sallie Mae later Navient finding that XXXX XXXX XXXX was on the list of 151 schools that was sued by the Department of Education XXXX XXXX XXXX XXXX ). I should have remained in Administrative Forbearance until a decision was made. Navient owes me the total amount of payments made this year in addition to the compensation I qualify for in relief of the XXXX XXXX settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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:
My account with XXXX 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 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 reported 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 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 2024-09-27 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: Creditors Bureau Associates
State: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX {$1100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-27 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: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX {$1100.00}, XXXX {$750.00}, XXXX XXXXXXXX {$2400.00}, Debt Rec Sol {$650.00} and Debit Sol Rec {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I am charged high interest rates plus late payment fees which are unfair

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NH

Complaint narrative:
Concern Over Transfer of Discover Student Loans to XXXX XXXX Dear CFPB Team, I am reaching out to express my concern regarding the recent transfer of my student loans from Discover to XXXX XXXX. Given the ongoing legal issues involving both companies, I am seeking guidance on whether this transfer violates consumer protection laws, and if so, whether I may qualify for relief, including potential loan cancellation. 

Discover has been involved in a class-action lawsuit ( XXXX XXXX Discover Bank ) that settled earlier this year for violations of the Civil Rights Act and Californias Unruh Civil Rights Act, specifically discriminating against Deferred Action for Childhood Arrivals ( DACA ) recipients in their lending practices. While my situation does not pertain to DACA status, the negligent management of their lending practices is evident. 

I am particularly concerned about the subsequent transfer to XXXX XXXX, a company that is currently facing a class-action lawsuit for alleged violations of the Rosenthal Fair Debt Collection Practices Act and other federal consumer protection regulations. The fact that my personal and financial information has been transferred to a company with a questionable track record of fair debt collection practices raises serious concerns about data security and compliance. 

I am inquiring if the transfer of my loan under these circumstances can be deemed unlawful or unethical under federal consumer protection laws. Specifically, I would like to know : 1. Can I request the cancellation of my loans on the grounds that the transfer to XXXX, a company involved in ongoing legal proceedings for unfair debt collection practices, constitutes negligent management and mishandling by Discover? 

2. Does the CFPB have the authority to intervene in cases where loans have been transferred to a servicer currently under legal scrutiny?

3. What are my rights regarding this transfer, and what recourse do I have if I believe my loans are being managed by a servicer not in compliance with federal and state regulations?

I am looking for assistance in understanding my rights and determining whether I have a valid case for relief. Given the seriousness of these allegations and the potential impact on my financial stability, I would appreciate a thorough review of my situation and guidance on the next steps. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX -- - If you'd like to adjust the details or tone, feel free to let me know!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In reviewing my recent credit report, I noticed a number of accounts that I believe are erroneous and were added without my awareness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OR

Complaint narrative:
My debit card was stolen and used at an ATM in another part of town. Despite having sufficient evidence and documents after XXXX tries my claim was concluded as no error. Upon further investigation it seems Chime does this to many of it's customers without properly investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
" Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically seven years from the date of first delinquency ). Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights. Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately. Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account XXXX XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). 
Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). 
Also multiple times they have repossession the car can not be repossessed every month. 
Thank you for your prompt attention to this matter. I expect a response within the XXXX period allowed by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-27 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX MI XXXX Subject : Follow-Up Dispute of Collection Account Request for Method of Verification To Whom It May Concern, I am following up on my previous dispute regarding the collection account listed on my credit report under the account XXXX XXXX. In my initial dispute, I requested the removal of this account due to the collection agency 's failure to provide debt validation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method used to verify the accuracy of this collection account. Specifically, I am requesting : XXXX. The method used to verify the accuracy of this collection account. 
XXXX. The name and contact information of the person or entity that provided the verification. 
XXXX. Copies of any documents or records used in the reinvestigation process. 
As the collection agency did not provide validation, the continued presence of this account on my credit report is both inaccurate and non-compliant with the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ). 
Please provide the requested information and update my credit report accordingly. If the information can not be verified, this collection account must be removed from my credit file as required by FCRA 611 ( a ) ( 5 ) ( A ). 
Also multiple times they have repossession the car can not be repossessed every month. 
Thank you for your prompt attention to this matter. I expect a response within the XXXX period allowed by law. 
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