vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There is inaccuracy reporting on my Credit report, it shows XXXX missed payments for XXXX XXXX XXXX XXXX, XXXX Missed payments XXXX XXXX, XXXX Missed XXXX XXXX XXXX XXXX, XXXX Missed XXXX XXXX XXXX XXXX. 

I also looked at my accounts and seen accounts that was closed that I never had. These accounts were : XXXX XXXX XXXX closed on XX/XX/XXXX2024, XXXX XXXX XXXX  closed on XXXX XXXX, 2022, XXXX closed XX/XX/XXXX2019, XXXX XXXX XXXX XX/XX/XXXX2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 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: FL

Complaint narrative:
I reviewed my credit report in XX/XX/year> and noticed my account was not reported accurately. There are numerous discrepancies reported in the account. There is also a late payment in the account that was, in fact, paid on time. After two letters were sent ( in XX/XX/year> and XX/XX/year> ) the information remains incorrect in my reports. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my most recent report to this complaint. I am now requesting that you investigate and provide verifiable proof, with records, showing that I had late payments. Please note that if this information can not be verified, I demand this payments be updated to " Paid On Time '' immediately. Thank you for your understanding and prompt action.

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 2024-05-03 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: NY

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : 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 2024-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: TX

Complaint narrative:
To the honorable CFPB regarding the unlawful inaccuracies reporting on my credit reports from all 3 major credit bureaus XXXX, XXXX and TransUnion. 
I have tried to call and mail, and dispute online but these 3 credit bureaus have not provided to me any official documentation that would suggest that these inaccuracies are in fact my own. 

Furthermore, by law there should not be any collections, charge offs late payments, hard inquiries or incorrect addresses on my credit file credit report. Currently those items are showing on my credit report. 

I would like to have these removed from my credit reports in all 3 credit bureaus please. 

Here are the legal provisions that prove my honest request is valid : 15 US Code 1692 pertains to collections, 15 US Code 1601 addresses charge offs & repossessions, 15 US Code 1666b relates to late payments, 15 US Code 1602p deals with hard inquiries. 

My credit reports have at least one of each of these negative items. Please Grant my request. Thank you.

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 2024-05-02 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: TX

Complaint narrative:
To the honorable CFPB regarding the unlawful inaccuracies reporting on my credit reports from all XXXX major credit bureaus XXXX, Equifax and XXXX. 
I have tried to call and mail, and dispute online but these XXXX credit bureaus have not provided to me any official documentation that would suggest that these inaccuracies are in fact my own. 

Furthermore, by law there should not be any collections, charge offs late payments, hard inquiries or incorrect addresses on my credit file credit report. Currently those items are showing on my credit report. 

I would like to have these removed from my credit reports in all XXXX credit bureaus please. 

Here are the legal provisions that prove my honest request is valid : 15 US Code 1692 pertains to collections, 15 US Code 1601 addresses charge offs & repossessions, 15 US Code 1666b relates to late payments, 15 US Code 1602p deals with hard inquiries. 

My credit reports have at least XXXX of each of these negative items. Please XXXX my request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Upon reviewing my credit report, I've noticed discrepancies and inaccurate activities associated with the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO mailed me a new card as part of their takeover of Bank of the West. My card was stolen in the mail. BMO allowed the thief to activate my card and subsequently use it multiple times before it detected fraud. It's concerning that BMO makes it easy for theives to activate a stolen card. I called BMO as soon as I received fraud alerts and they informed me that they could NOT assist me over the phone. I was told to go into a branch so they could " verify your identity. '' I'm the rightful owner of the account and I have to jump through more hoops to get access to my money than the thief had to. That is a problem and BMO must make changes to better protect consumers.

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 2024-05-02 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: GA

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-02 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: Experian Information Solutions Inc.
State: GA

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 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 2024-05-03 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
To Whom It May Concern at American Express and the Consumer Financial Protection Bureau, I am writing to formally request a direct Phone conversation with a dispute resolution specialist regarding multiple credit card disputes that were not resolved satisfactorily. Despite providing necessary documentation and information, the resolutions were made predominantly in favor of the merchants based on incomplete assessments by AMEX staff. 

1. Dispute XXXX ( XXXX XXXX ) : A goodwill credit of {$1800.00} was issued under the incorrect assumption that partial repairs were completed on my vehicle. In reality, no such repairs were made, and the actual repair costs amount to {$9800.00}. It appears there was a misunderstanding about the engine replacement which never occurred. As shown in the mechanics letter. 

2. Dispute XXXX ( XXXX ) : I submitted a return receipt showing the item was indeed returned, along with confirmation from the merchant that a late return was permissible due to my being in XXXX. This evidence seems to have been overlooked. 

3. Dispute XXXX ( XXXX XXXX ) XXXX My room was upgraded, and I have a confirmation letter to prove this. However, the merchant provided a blank picture which AMEX accepted without proper verification, leading to a wrongful decision. 

4. Dispute XXXX ( XXXX XXXX XXXX ) : There is confusion over the transactions and refunds. The merchant refunded {$5000.00} but I applied {$10000.00} downpayment towards the car. I'm still at a net loss of {$5000.00} Each of these disputes contains significant errors in data handling and decision-making that need to be addressed. I am seeking to clarify these issues and correct the records with a specialist who can review all pertinent information and documentation. 

I appreciate your prompt attention to these matters and look forward to resolving them amicably. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-02 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: CA

Complaint narrative:
Dates : XX/XX/XXXX - XX/XX/XXXX Total Current Balance : {$100000.00} XXXX of students were XXXX by Navient into taking out XXXX private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and my Fed. loans of {$78000.00} were discharged and my credit repaired. 
My XXXX XXXX Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a XXXX of a settlement deal for the rest of borrowers XXXX  into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward XXXX? Furthermore, hasn't Navient been sued at least a XXXX XXXX times for other XXXX loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a XXXX. Why do we need to prove anything? Navient knows who we are. Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were XXXX into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
I would like to report Flag Star bank to you guys please. I made XXXX transactions on XXXX through my bank called Flag Stat Bank, on XX/XX/year> of XXXX $ for a background check, and the other XXXX transaction on XXXX of XXXX $ for a Deposit for an apartment I thought I found online. For the second transaction on XXXX, that same night, I called my bank immediately, they were not able to reverse the XXXX $ transaction, but they were somehow able to find out the banks name that I XXXX  it to. For XXXX whole months, I was calling and speaking with the supervisor like everyday basically, but was never able to talk to the dispute department, I had to talk to their customer service the whole time. During these XXXX months, I have them all of the information needed, I also did the past month a Police Report. This was after them telling me over and over, that no don't contact the Police. I had the name of the bank, the phone number of the person, the persons emails, etc to the bank. They also told me multiple times that they would refund me my XXXX transactions, & then told me they denied my Dispute with them so I had to re do another dispute. Then they told me they denied my second dispute and I couldnt do anything. During also these XXXX months, they told me at times, they denied my dispute, then told me they didnt as well at XXXX time. They also told me everyday they would have someone call me back, and that only happened once. Also they told me that they would mail my old address a letter stating if they would accept or deny my dispute and never did. When I called at times, sometimes they hanged up on me. This was the worst Customer Service I have ever had with any business. After them telling me at times I would get my money back, they ended up denying. Thank you very much! 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 2024-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Timely payments are my standard practice. I'm certain of this. However, I'm perplexed by the sporadic late reporting from this company. As per USC 1666b, any inaccuracies in billing should promptly be addressed and reflected accurately on my payment record.

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