vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: Summit A*R, Inc.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The company is experian and they update old accounts from years ago.when new companies purchase the same account with updated dates either multiple times from different companies who brought the old accounts as current. And its false information. And im having a hard time clearing this issue

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 2025-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
EXPERIAN CREDIT BUREAU RESPORTING NEGATIVE INFORMATION ON REPORT. 
XXXX ) XXXXXXXX XXXX AMOUNT SHOWING : {$2200.00} DATE : XX/XX/year> XXXX # XXXX CONTACT XXXX XXXX ) XXXX XXXX AMOUNT SHOWS : {$2600.00} DATE : XX/XX/year> XXXX # XXXX INQUIRIES : XXXX XXXX  DATES : XX/XX/year> AND XX/XX/year> XXXX XXXX : DATE : XX/XX/year> XXXX  XXXX : DATE : XX/XX/year>

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 2025-01-09 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: OH

Complaint narrative:
XX/XX/XXXX I have XXXX single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$470.00}

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 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
They still place inaccurate information on my credit report stating that the account will still open for our balance of {$260.00} which was fast it was also inaccurate information which violated my rights under 15 USC 1681

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 2025-01-09 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: PA

Complaint narrative:
MOHELA has provided conflicting information about when I will receive my refund check for overpayment/credit on my account. I am owed {$650.00}. My loan forgiveness is effective as of XX/XX/year>. I've spoken to MOHELA numerous times as to when I would receive my refund check. I was initially told it would be XXXX business days from the date MOHELA notified me that my loans were discharged, and the date of that letter was XX/XX/year>. When I did not receive a check after XXXX business days I called back and was told it would take up to XXXX business days from the date of XX/XX/year> when this refund begun " processing. '' Either way, this is an incredibly long period of time from the original date of my loan forgiveness in XX/XX/year>. Withholding/delaying these payments for so long is incredibly irresponsible and causes financial harm. I can not even trust that " XXXX business days '' is accurate from a certain date because I receive conflicting information every time I talk to MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Recently, I did an Investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of the report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Personal Information & old addresses. 
My accurate and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Please remove other inaccurate addresses or old address in my consumer report such as XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ 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 2025-01-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
As per the provisions outlined in the State of GEORGIA Uniform Commercial Code ( UCC ), Section Title 11 of the Official Code of Georgia Annotated ( O.C.G.A. )., and the relevant Retail Installment Sales Act ( RISA ) and Motor Vehicle Installment Sales Act ( MVISA ) statutes, I wish to bring attention to the car repossession incident carried out by Capital One Auto Finance in the State of GA on or around XX/XX/year>, followed by its subsequent resale on or around XX/XX/year>. 

In compliance with consumer protection laws, a creditor may not claim a deficiency unless they have adhered to all necessary requirements, including the proper and timely issuance of mandated notices, and strict adherence to allowable redemption and cure time limits. 
Therefore, I kindly request that you provide me with copies of the legally mandated notices, along with substantiating evidence that demonstrates the commercially reasonable manner in which the subject vehicle was resold. 
It is essential to emphasize that failing to furnish the requested documentation within 14 days of receiving this letter will result in the nullification of any alleged deficiency claim. Moreover, I must bring to your attention that continued collection activities or ongoing reporting of this invalidated claim on my credit reports will constitute a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Please be aware that, under the applicable State and Federal statutes, including UCC Section 9 remedies, I retain the right to seek damages against all parties involved, should there be any non-compliance with the aforementioned requests. 
I sincerely hope for your swift attention to this matter and anticipate your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: MD

Complaint narrative:
formally document my dispute regarding the overcharging of my vehicle loan by Westlake Financial and the subsequent mishandling of my request for repossession of the vehicle.

After reviewing my loan agreement and payment history, I have identified that I have been overcharged on my account. Despite multiple efforts to resolve this issue, the discrepancies remain unaddressed.

As a result of this overcharging, I contacted Westlake Financial and requested the repossession of my vehicle. However, despite my formal request, the vehicle was never retrieved as promised. This lack of action has further compounded the financial and logistical challenges I am facing. 

I respectfully request the following actions be taken immediately : A detailed accounting of all charges applied to my loan, including payments received and the application of those payments. 
A refund or adjustment for any overcharges identified in your review. 
Clarification and resolution regarding the repossession request, including a timeline for completion if repossession is still required. 
This statement serves as an official notice of my grievances and a request for resolution. I expect a formal response and resolution to these matters within 30 days of this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
While I was XXXX, checking accounts was open and NSF checks was deposit into these accounts for funds. The dates each account was opened I provided a sentence order from the court showing the dates I was sentenced to XXXX. I also provided a XXXX  XXXX  showing my 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 2025-01-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Subject : Request for Investigation of Experians Inaccurate Reporting and Response Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a dispute regarding inaccurate information reported on my credit file by Experian. Despite filing a formal dispute with the CFPB on XX/XX/XXXX, Experian sent me a letter dated XX/XX/XXXX, stating that the account in question had been investigated, deemed correct, and would remain on my credit report. 

The account, which Experian lists as a repossession in XX/XX/XXXX and a charge-off in XX/XX/XXXX, contains the following inaccuracies : Repossession and Charge-Off Reporting : It is unclear and inaccurate for the account to be reported as both repossessed and charged off within such a short time frame. 
Failure to Issue Form 1099-C : I have not received a Form 1099-C for this account, which raises serious doubts about whether the debt has been properly verified as canceled or discharged.

This situation raises concerns regarding Experians compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : Experian is obligated to ensure maximum possible accuracy of the information it reports. The discrepancies in how this account is reported, combined with the absence of a Form 1099-C, suggest that Experian has failed to meet this standard.

2. 15 U.S. Code 1681 ( i ) - Procedure in Case of Disputed Accuracy : Experian is required to conduct a reasonable investigation when a consumer disputes an account. Their response dated XX/XX/XXXX, does not adequately address the issues I raised, nor does it provide sufficient verification of the accuracy of the account. 

Despite my attempts to resolve this matter, Experian has failed to take appropriate action. The inaccurate reporting continues to harm my credit standing and financial well-being. 

I kindly request the CFPB to investigate Experians handling of this matter and require them to provide proper verification of this account or remove it from my credit report. Specifically, I request confirmation that the investigation was conducted in accordance with FCRA standards and that the accounts accuracy was properly substantiated. 

Enclosed, I have included : Copies of the XX/XX/XXXX, response from Experian Evidence of my original CFPB dispute filed on XX/XX/XXXX A copy of my credit report showing the inaccuracies Any additional supporting documentation Thank you for your assistance. Please feel free to contact me if further information is required. I look forward to your help in resolving this matter. 

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 2025-01-09 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: KY

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-01-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My information was in a data breach and I have inquiries on my credit report due to the data breach. Please remove the inquiries in my credit that were not done by me. My credit report has dropped almost XXXX points due to this issue. I have been trying to resolve this issue since last year when I received the letter of the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My information was in a data breach and I have inquiries on my credit report due to the data breach. Please remove the inquiries in my credit that were not done by me. My credit report has dropped almost XXXX points due to this issue. I have been trying to resolve this issue since last year when I received the letter of the data breach.

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 2025-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I called on XX/XX/year> to request information about student loan discharge. I shared that as part of the Department of Education discharge for loans taken out for my time at XXXX XXXX XXXXXXXX, I would request a loan discharge for the private loans I had to take out with Sofi. They told me they do not support a student loan discharge based on these reasons, only for those that are totally XXXX. I shared that I am not looking for a refund, just a discharge of my remaining loans on the account since it is still a hefty sum that I still need to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Consistent misappropriation of mortgage payment every month for years now. When I receive a new bill, I pay it ( electronically ). I usually pay through my online personal bank account and switched per their suggestion and pay through their website. Every month they apply my monthly payment when received even a day early, directly to the principle and not to the monthly payment due. Every month I have to spend lots of time navigating the telephone prompts to get a live person on the phone to have them reverse my principle payment to the actual mortgage payment due. I only owe a pittance on my mortgage at a low rate and no matter what I do, the payment goes to the principle. This has been EVERY MONTH FOR YEARS NOW! It seems as if my account is structured to get rid of my loan because they arent making any money on it. Every time I call, I get a different runaround as to why the funds were misappropriated even though I specifically designated the payment towards a monthly pmt due. Are they in 100 % compliance as per the FDIC? I believe not.

Company response to consumer: Closed with explanation