vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-12 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: IN

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding persistent inaccuracies in the reporting of my account by XXXX XXXX XXXX XXXX to the credit bureaus. Despite multiple attempts on my part to rectify this matter, it has become apparent that your organization has failed to address the discrepancies, leading to significant financial injury, emotional stress, and more. 

On XX/XX/XXXX, and XX/XX/XXXX, in separate investigations initiated by me, your office stated that it reviewed my account with your Credit Bureau Operations department and found that my account was reporting accurately and did not meet FCRA deletion criteria. However, I possess evidence from my Equifax and XXXX credit reports that demonstrate otherwise. These reports clearly indicate multiple items being reported incorrectly by XXXX XXXX XXXX XXXX. 

Enclosed with this letter, you will find documentation supporting each violation found on my credit report, including evidence of incorrect payment history and inconsistencies in charge-off dates. For example, your letter addressed to me stated that the last full payment on my account was received on XX/XX/XXXX. However, my Equifax report shows the last payment as XX/XX/XXXX, while my XXXX report shows XX/XX/XXXX as well. This discrepancy of a two-year difference from my actual last payment date is a direct violation of FCRA reporting requirements. 

Furthermore, it is imperative to note that this account has been disputed for inaccuracy before and was removed. However, it has been added back with inaccurate information again, exacerbating the financial harm and emotional distress caused. 

If my account was charged off in XX/XX/XXXX, it is concerning to note that it was also charged off for 32 other months. This is a blatant violation of FCRA furnishing requirements and has caused significant harm to my creditworthiness and financial well-being. 

In light of the persistent inaccuracies and violations of FCRA reporting requirements, I am left with no choice but to pursue arbitration to seek redress for the damages caused. However, I am willing to offer XXXX XXXX XXXX XXXX one last opportunity to resolve this matter amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: IN

Complaint narrative:
Dear Sir/Madam, I am writing to you regarding persistent inaccuracies in the reporting of my account by XXXX XXXX XXXX XXXX XXXX XXXX credit bureaus. Despite multiple attempts on my part to rectify this matter, it has become apparent that your organization has failed to address the discrepancies, leading to significant financial injury, emotional stress, and more. 

On XX/XX/XXXX, and XX/XX/XXXX, in separate investigations initiated by me, your office stated that it reviewed my account with your Credit Bureau Operations department and found that my account was reporting accurately and did not meet FCRA deletion criteria. However, I possess evidence from my XXXX and Experian credit reports that demonstrate otherwise. These reports clearly indicate multiple items being reported incorrectly by XXXX XXXX XXXX XXXX. 

Enclosed with this letter, you will find documentation supporting each violation found on my credit report, including evidence of incorrect payment history and inconsistencies in charge-off dates. For example, your letter addressed to me stated that the last full payment on my account was received on XX/XX/XXXX. However, my XXXX report shows the last payment as XX/XX/XXXX, while my Experian report shows XX/XX/XXXX as well. This discrepancy of a two-year difference from my actual last payment date is a direct violation of FCRA reporting requirements. 

Furthermore, it is imperative to note that this account has been disputed for inaccuracy before and was removed. However, it has been added back with inaccurate information again, exacerbating the financial harm and emotional distress caused. 

If my account was charged off in XX/XX/XXXX, it is concerning to note that it was also charged off for 32 other months. This is a blatant violation of FCRA furnishing requirements and has caused significant harm to my creditworthiness and financial well-being. 

In light of the persistent inaccuracies and violations of FCRA reporting requirements, I am left with no choice but to pursue arbitration to seek redress for the damages caused. However, I am willing to offer XXXX XXXX XXXX XXXX XXXX last opportunity to resolve this matter amicably.

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 2024-03-12 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: UT

Complaint narrative:
I'm writing to discuss a problem I found on my credit report. It says condition of account is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof that I was late? If you can't, I need you to fix the mistake and say I paid on time. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.

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 2024-03-12 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: UT

Complaint narrative:
I discovered on my report inconsistency with the condition of the account. By law it is my right to have everything reporting on the said account is absolutely accurate. It seems to be innacurate and iconsistent amongs all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: UT

Complaint narrative:
I discovered on my report inconsistency with the condition of the account. By law it is my right to have everything reporting on the said account is absolutely accurate. It seems to be innacurate and iconsistent amongs all 3 bureaus.

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 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Portfolio Recovery XXXX XXXX XXXX, XXXX, VA XXXX Dear Portfolio Recovery, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 


Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/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 2024-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Remove the fraudulent items from my credit report immediately ; TransUnion 's denial is unacceptable, and failure to comply will result in legal action. I demand prompt action in accordance with the law to ensure my credit report is accurate and free from fraudulent items, with written confirmation of the removal. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$880.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$380.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$920.00}, and XXXX XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I filed a dispute with PayPal credit for XXXX against XXXX XXXX XXXX because they never provided an order number or tracking to me to this date and I called them many times and was not acknowledged as a customer I asked PayPal credit to dispute the charges and provide any tracking or information to me They have not helped me they are in favor of a merchant and I still have no merchandise tracking or order number I want a refund

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 2024-03-12 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: FL

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: FL

Complaint narrative:
I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Portfolio Recovery associates XXXX XXXX XXXX, XXXX, VA XXXX Dear Portfolio Recovery Associates, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately four years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 


Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the last payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations. 
Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 


Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc.
State: TX

Complaint narrative:
I am unaware of the debt with Automated Collections. I didn't get the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I got the proper notification, please provide the certified mail with the receipt, with my signature on it stating that I received it. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to investigate these violations and ensure that my rights as a consumer are protected. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Goldman Sachs has on more than one occasion opted to withhold payments in excess of 2x the maximum limit under the current guidelines published by the CFPB 1026.10 Payments ; ( a ) General rule. A creditor shall credit a payment to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge or except as provided in paragraph ( b ) of this section.

( 4 ) Nonconforming payments ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statement, requirements for the consumer to follow in making payments as permitted under this 1026.10, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt.

( ii ) Payment methods promoted by creditor. If a creditor promotes a method for making payments, such payments shall be considered conforming payments in accordance with this paragraph ( b ) and shall be credited to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge.

Moreover, I had to contact Goldman Sachs on the 10th day they held my payment and point out that it was already the incredibly delayed date they scheduled before they finally posted the payment to my account. They received their payment well over a week ago and forced other payments that I had scheduled using that card to default, causing me to lose access to food and services due to their delay in applying my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: UT

Complaint narrative:
I'm writing to discuss a problem I found on my credit report. It says condition is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof. If you can't, I need you to delete the account according to the law. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-12 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: UT

Complaint narrative:
I'm writing to discuss a problem I found on my credit report. It says condition is either closed or unknown. 
According to the law, when a consumer reporting agency makes a report about someone, they have to make sure the information is accurate. This means they need to check everything and show proof of verification. 
I've attached a copy of my credit report so you can see the mistake. Can you please check it and find proof. If you can't, I need you to delete the account according to the law. 
This mix-up is causing me a lot of stress, especially since I'm a single dad with XXXX kids to take care of. I really need this fixed quickly to make things easier for us. 
Thanks for your help.

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 2024-03-12 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have XXXX student loans outstanding with a current balance outstanding of {$12000.00}. The servicer is Navient. The loans have interest of 4.3 % and Im set up for monthly auto pay. I have been paying {$140.00} monthly. I paid off {$2000.00} in a XX/XX/XXXX. I called Navient multiple times asking them to recalculate the monthly payment because I paid off a portion of the principal and interest accrues on the remaining principal balance. Since I paid off {$2000.00} and I reduced my principal balance, they should be reducing the monthly payment amount accordingly. Navient is refusing to recalculate and lower the monthly payment. The loans are all in an Extended Repayment - Level/Fixed plan and their scheduled payoff isnt until XXXX. Navients practice of continuing to bill me the same monthly amount and by planning to continue to do so until XXXX clearly violates how basic loan amortization works and are defrauding me as a consumer. They also make it really hard to contact. I contacted them 3 times in XXXX and every time I was on hold for more than 1 hour. The Navient rep who answered was eager to get off the phone and was quick to tell me they cant make any changes to the monthly payment. Even when I spoke to a supervisor, they wouldnt even listen to my explanation. I attached a screenshot showing the amount I paid off in XX/XX/XXXX and how the monthly payment is still the same. The loans were issued in XXXX and XXXX and I have been paying off monthly since XX/XX/XXXX without missing a single payment.

Company response to consumer: Closed with explanation