vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-04 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:
This account was charged off on the following date XXXX XXXX. Since the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding deletion of the following account : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that I had multiple late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-05-04 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 : XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX Acct type : Collection ; XXXX XXXX XXXX Acct : XXXX Acct type : Debt Buyer ; has violated my rights. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file as a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1681 section 602. States I have the right to privacy 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Removed and delete all account in accordance with laws listed above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX XXXX. 
As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My XXXX loans in the amount of {$58000.00} are being XXXX and my credit repaired. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX '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 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of the borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a XXXX XXXX XXXX program by which Navient is sending out " applications '' to select students who XXXX have filed XXXX XXXX claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the XXXX " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
XXXX is running out for Navient to do right by students who were scammed 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. 
XXXX XXXX XXXX has sent a letter to Navient 's XXXX  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 2024-05-04 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint for the following date XX/XX/year>. Im now requesting you investigate this account and update this payment to be 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 non-monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I contacted this Debt Collection Agency cause they are reporting a collection of {$100.00} from a condo I used to live ( the apartment complex never contacted me about it and directly sent me to collections ) I spoke with XXXX XXXX, Collection Manager, by email and he agreed to do a courtesy delete of this information which is seriously damaging my credit if I paid the debt, I proceed to pay it but they didnt delete the information from my credit report, only change it to paid

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern : I am writing to inform you that I have been a victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

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 2024-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
In XX/XX/year> the State of XXXX Attorney General 's office dismissed all of my private student loans I had consolidated with XXXX XXXX. Nelnet now services my remaining student loans. Before Nelnet it was XXXX and XXXX XXXX was the original. 

The balance on my current student loans ( according to Nelnet ) is {$360000.00}. The statement indicates that the original principal was {$86000.00}. I wrote Nelnet for verification that the private student loan balances were no longer part of their collections. After XXXX emails for clarification Nelnet 's last email stated that my promissory note considering my question will answer this question and to just look it up on the website. 

Obviously, it is not. Nor has the dismissal ever been recognized by all XXXX collection agencies ( XXXX, XXXX and Nelnet ). A Promissory note does not include such information. Their lack of transparency and lack of help is the reason why the XXXX XXXXismissed the private student loans to begin with. And, if it is so easy to find on their website why didn't they send me a copy of the dismissal notice in the first place? 

Obviously, I'm concerned that the federal student loans are accumulating interest from the private student loans and want assurances that they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am seeking participation in XXXX 's pilot program for school misconduct discharge, specifically for the private loans I acquired to attend The XXXX XXXX in XXXX. The XXXX XXXX employed deceptive practices, including providing false information about job placement rates and using high-pressure tactics to persuade me to enroll and take out private loans. I was coerced into believing that private loans were necessary since my financial aid did not cover the full tuition amount required to remain enrolled at the school. Currently, my private loans are still active, and I have been in repayment with the company for over XXXX years. These actions by The XXXX XXXX have caused significant harm, including postponing necessary medical procedures and delaying starting a family due to the financial strain imposed by repaying the private loans and the fear of acquiring bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
These inquiries were made without my consent, and I have no knowledge of them. Please have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. Ive attached a copy of my credit report to this complaint for the following date XX/XX/year>. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts, which hurts me to request some credit, I would like it to be removed

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a current credit card account with XXXX that I had for many years. The card, card balance, available credit, and payment history are not showing on any of the XXXX credit bureaus ( Experian, XXXX, and XXXX ). I reached out to XXXX and they said they have been reporting the card. I reached out to Experian but they could not help me with any useful information and instead tried to sell me paid membership.

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 2024-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-05-04 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: WA

Complaint narrative:
I booked a flight for my wife and XXXX children on XX/XX/year> for {$1700.00} with XXXX XXXX using my American express credit card ending XXXX. I was sent one confirmation email with Booking Reference XXXX. Ticket number of the lead passenger is XXXX. 

Two separate charges for the same amount appeared on my statement, each for {$1700.00} with the same date ( XX/XX/XXXX ). 

I disputed the duplicate charge with XXXX XXXX who initially said I had been charged once. I then disputed the charge with Amex multiple times. Each time, the Amex agent I spoke to agreed there had been a mistake and filed a dispute with the " back office '' team. However, the three official responses from XXXX XXXX and this team the did not resolve the dispute. 

The first official response ( XX/XX/XXXX ) provides a refund of {$450.00}. It is not clear why this particular amount was refunded rather than the full amount. 

The second official response ( XX/XX/XXXX ) declines further refund of the remaining {$1300.00}. The second response is accompanied by information from XXXX XXXX on the disputed, duplicate charge. The Booking Reference ( " Confirmation ( PNR ) '' ) is XXXX. Ticket number for the lead passenger is XXXX. I have no record of any booking or confirmation email with this reference or ticket number. The document contains " proof of payment '' ( page 16 ) but this is not evidence that I initiated or approved the transaction ( which I did not ), just the details of the payment they took from Amex. 

The third official response ( XX/XX/XXXX ) is inconsistent and confusing. It acknowledges two separate transactions and claims that the disputed transaction ( ticket number : XXXX ) was paid for on a card ending XXXX. I do not have a credit card ending in these numbers. In contrast, the supporting evidence from XXXX XXXX for this transaction states : " Merchant response type : Accept '' and " The merchant accepts this dispute. No rebuttal documents to be sent. '' But it also states : " No credits to be issued. 

Aside from just messing up on the third response, a key issue here is that Amex does not seem to have a robust process for determining if a customer initiated or approved an internet transaction in the case of duplicated charges ( where, by definition, the merchant has valid payment details ). The third response contains details of the valid transaction ( reference XXXX, ticket : XXXX ) including the IP address used. These details are missing from the disputed charge. The the lack of these details indicates that XXXX initiated the disputed transaction, not me. Amex could have deduced that from their omission ( but probably needs an even more robust process ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I filed a complaint with XXXX XXXX XXXX as well. 
Statement Read After pulling my report I noticed a collection account owed by COLUMBIA DEBT RECOVERY showing that I owed a former community {$1400.00}. I contacted the company and asked for a detailed ledger with explanations. The ledger showed that I paid my last month 's rent and final utilities. It also showed the {$1400.00} as a reletting fee. When I asked what a reletting fee was and to prove that I owed this, they could not. So, I personally went to XXXX XXXX and requested a ledger and explanation from them. They gave me a printout showing that I had a {$0.00} balance and that they had no idea what the {$1400.00} charge was. ( ledger attached ) So, I filed a dispute with the credit bureaus. Suddenly I received an email from the XXXX XXXX XXXX telling me that COLUMBIA DEBT RECOVERY sold my account, but all I owe is {$51.00} now, and the rest of the debt was paid off. I know that the credit bureaus did not research, because they would have seen that my account was sold. XXXX opened a dispute and settled and closed it the next day. I am attaching the ledger from XXXX XXXX showing a {$0.00} and contact information, because obviously the bureaus are not researching. Please contact XXXX XXXX. They will tell you that I owe nothing. ( XXXX ) XXXX If the fraud account was sold to another creditor, why is COLUMBIA DEBT RECOVERY still reporting it?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-04 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: GA

Complaint narrative:
Hello! I hope this message finds you well. I am writing in regard to an account that appears erroneously on my credit report with Transunion, XXXX and XXXX. The account is labeled XXXX account number XXXX. The account is listed with XXXX XXXX XXXX as a charge off. When I spoke with them, they did confirm the account was paid in full at that they requested it be deleted with all three credit bureaus XX/XX/2020.

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 2024-05-04 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: GA

Complaint narrative:
Hello! I hope this message finds you well. I am writing in regard to an account that appears erroneously on my credit report with Transunion, XXXX and XXXX. The account is labeled XXXX, account number XXXX. The account is listed with XXXX XXXX XXXX as a charge off. When I spoke with them, they did confirm the account was paid in full at that they requested it be deleted with all three credit bureaus XX/XX/2020.

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 2024-05-04 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: GA

Complaint narrative:
Hello! I hope this message finds you well. I am writing in regard to an account that appears erroneously on my credit report with XXXX, XXXX and Experian. The account is labeled XXXX, account number XXXX. The account is listed with XXXX XXXX XXXX as a charge off. When I spoke with them, they did confirm the account was paid in full at that they requested it be deleted with all three credit bureaus XX/XX/2020.

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