vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
My account with Equifax 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported 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.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: KY

Complaint narrative:
I have been in pay of my student loans since XXXX. I still owe {$600000.00} Loan provider was XXXX XXXX and i attended school from XXXX. 
I attended XXXX University and XXXX XXXX in XXXX, Kentucky. 
Both schools got sued by the Attorney Generals Office of Kentucky in XX/XX/XXXX. I will attach document. Under the terms of the settlement, XXXX University, which owned XXXX, has agreed to forgive more than {$1.00} million in private loan debt and provide other benefits to XXXX students who attended XXXX and received an institutional student loan between XXXX XXXX, XXXX, through XXXX XXXX, XXXX. My complaint is why am I still in pay why my loan was not forgiven? And why are they not providing an adequate repayment options for people who are not working? And why did I not qualify for Student loan forgiveness under the Lawsuit filed in XXXX. 
Please find screenshots on my Loans. Now serviced my Navient and moving to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
VALIDATION AND CEASE AND DESIST PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account number : XXXX XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, VA XXXX Dear Portfolio Recovery I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: FL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have requested this information 3 times now and will not send the information. Even when requested they added it to my credit report. When they said they would not communicate for when looking for the information they still texted to collect the debt. 

XXXX. License to collect in TX XXXX. Payment History XXXX. Judgement obtained towards this debt XXXX. The chain of custody for this debt XXXX. The purchase agreement between you and the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
I submitted a dispute with chex systems on line on a Saturday, and it came back Monday before lunch at around XXXX XXXX as verified as accurate by the company. I logged in online to see, and the only information included was just verified as accurate. They didn't say why they didn't say how it doesn't seem like an actual human, did anything? It seems like the process was completely automated, which actually looking at a report from this same company. But for another issue does, in fact, verify that it is entirely automated that they got a message from their automated system. 
For which they give an automated answer. 
For which the system just accepts as the final answer and response closes out, the dispute sends an email to me. It doesn't seem like even an automated system even tried to look into it at all. I called the company and explained my concern to them as I know. It is inaccurate and should not be in my report or I would not have disputed it. And why did they not just take my word instead of the companies? If that's what they're going to do. Customer service, in fact, told me that there was no investigation or information to support it. She said I could upload anything I wanted to online, which is actually not the case. You can not do that or communicate online at all. 
I'm really having intense problems with all of this type of stuff all over every aspect of my life, and it is running my life and ruining my life and yeah. I just don't appreciate it very much.At all that it is so careless.Ly really really rich. 
She said, if I had any questions or concerns further that I would have to contact the lender directly, which is weird for a credit reporting agency to say and I thought was literally their purpose. My information is just used and abused by a company who's supposed to be protecting it and obligated to report it properly and they're not doing that and they're telling me that if I want it fixed, I got ta do it myself and that they're going to continue to report it that way. And I'm homeless. Because of it, it will remain that way because of it

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 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE HELP ME, EVERYTIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS, I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.

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 2024-09-30 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: VA

Complaint narrative:
Hello, I was shocked to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Lexus Financial Services approved me for a purchase of a vehicle but when the determination that the vehicle was damaged I switched to a lease. The lease payment was for 36 months and the dealer declined the lease. I was not provided a official reason for the decline of the lease. I believe this was a bait and switch and XXXX  type of situation but I want to obtain the reason for the loan to be approved and the lease to be declined. I should be provided the reason and not simply sent to multiple departments for no reason for the decline. My belief is that they wanted to increase my payment which is illegal in the State of California and this information needs to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
Around XXXX XXXXXXXX I uploaded proof of my XXXX XXXX service beginning XX/XX/XXXX to NAVIENT 's website XXXX apply for SCRA benefits. Today I received an email from NAVIENT saying that my SCRA request was approved starting XX/XX/XXXX instead of XX/XX/XXXX. Additionally, when I look on the website my interest rates are still showing above 6 %. I messaged NAVIENT through their website 's messaging system asking them about this. I received an automated email in response stating that NAVIENT can not respond to my request for information without compromising my personal information ; therefore they can not respond. I called NAVIENT 's help center twice. Both times I navigated through their convoluted XXXX  XXXX  trying to get to where I can speak to an actual person. When I was finally routed to speak to someone an automated message played saying that their offices were closed. Both times my call was immediately dropped. Both calls were well within their business hours. I have no other way to contact them to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to login to my account a about 10 days ago and was not able to even though I was providing the correct information. I called the CS to requeat help in changing the password and the cs verified me by sending a text code and changed the password. After which I was able to login. So I logged in and added a bill pay and made a {$1000.00} payment. The next day I logged in and the system could not find me neither the login nor password were correct. I called BMO bank and askwd the reason they told me to go to the branch. I went to the branch and found out that my account was frozen and that a check that I had written before that bounced. The representative at the branch noted my account that I was at the branch and told me that itvwas all she could do. I called BMO and a XXXX lady took over the call and explained to me that my account was frozen. I verified that it was me changing the password and adding the bill pay and asked her what she was investigating if it was all me. She had no answer for me amd when I helloed in the ohone she purposely stayed silent. I called tje second time on XX/XX/year> to fin out when my funds were going to be available as I was operating business she started dodging my question and arguing with me as if I was not allowing her to answer which was her tactic to encite resentment amd anger without further crraborating on the reasons. The password was changed theough fulll verification by cs of BMO nad is documented wirhin their system and there is no need to freeze the account other than her perosnal hatred to my race. It is obvious she is using tactics ro incite and provoke resentement and anger instead of proffesionally explaining the reason or problem. I explained to her that I went to the branch, she answered that there was no need or such request for me to go to the branch even though the first agent that helped me instricted me to go to the branch. I ask her if I verified that it was all me what she was investigating she replied that that was what the draud department for. Basically arguing and showing hatred that she was not there to resolve the problem but to make it as comolicated as sheed deemed necessary. I am not a XXXX hear kid and fully feel and understans that her attitude and treatment towards me is hostile and dicriminative. I am not sure why but is obvious and she doesnt let anybody else handle the sitiation she has a not that only her can solve the 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 non-monetary relief
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To whom this may concern, I am contacting you because I have found some information that is inaccurate on my credit report. You are reporting a late payments on XX/XX/year> and XX/XX/year> on the account : XXXX/DEPT OF ED XXXX This is not true, I was not late on either months, I request that you verify the Information and update the payment history on this account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated credit report reflecting the changes.

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 2024-09-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I co-signed a student loan for my wife in 2014 with Naviet, with a 14 % interestrate. Since her graduation we were paying with little or no issues. Recently my wife was diagnosed with XXXX XXXX and is currently being treated. With a hefty raising medical bills, mortgage, and other necessity we are having a hard time paying the school loan. We contacted Naviet and requested some hardship considerations, as in a hold. We were not giving any consideration, instead, both my wife and I credit report was reduced to over XXXX points each. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
VALIDATION AND CEASE AND DESIST MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account number:XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Dear Midland Credit Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-30 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: CO

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief