vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
See attached scan of demand letter sent to Equifax on XX/XX/2023. 

XXXX XXXX XXXX may not legally collect or report the alleged debt. I dispute any valid personal connection to the alleged BUSINESS debt that XXXX  alleges to have been assigned, and they have not provided any proof of those ( two ) assignments : XXXX XXXX XXXX XXXX XXXXr, and subsequently XXXX  to XXXX. Equifax has failed to require that documentation be provided. Simply accepting " certification '' by XXXX as " verification '' of the alleged debt is inadequate under the provisions of 15 U.S.C. 1681 and 1692. 

Notwithstanding the above, it is known that Funding Metrics ( FM ) provides Merchant Cash Advances ( MCA ), which are NOT " factoring accounts ''. The description of the alleged account by XXXX as a " debt buyer '' by Equifax is therefore inaccurate. The alleged debt amount and date are also false and inaccurate and unsupported by any provided documentation. 

Notwithstanding the above, acquiring an alleged debt under the guise of personal guarantee " co-signor on account '' is also improper and illegal. Personal guarantee on an MCA is only actionable upon valid proof of breach of contract, but still illegal because of lack of mutual obligation and other unconscionable terms. No proof of breach has been provided by any of the parties ( XXXX, XXXX, XXXX ). The legal status of MCA are presently in limbo ( see cases quoted in my letter ) : are they loans or unlicensed securities? Regardless, because MCA rely only upon a business ' future receivables for repayment, if there are none - due to the world-wide COVID-19 pandemic and business failure, for example, there is no breach or default.

Therefore, Equifax is essentially taking part in attempted extortion by allowing illegal negative credit reporting by XXXX. Basically, we'll XXXX on your credit report unless you pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: AZ

Complaint narrative:
I have asked for account information in the past and did not receive all information. Navient is purposely withholding information because they know the debt is not valid. 

I want an itemized statement and proof the debt is valid and the balance is accurate by producing original loan documentation. This would include the loan agreement from its conception as well as every single monthly statement from beginning to present. That means I want every months statement and its status for that month. All documentation from beginning to present. Thats almost 20 years of statements Ill be waiting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
# 1 ) We are a victim of the {$35.00} overdraft fee ( not once but twice in XX/XX/XXXX ) settlement that Bofa made with CFPB. Attached news article regarding this. 

We have been a loyal customer for more than 15 years and yet when asked them respecfully to waive the fees they declined, despite escalating it to the rep 's manager ( XXXX - id XXXX ). Her manager XXXX wasn't available to discuss the matter. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX Below is an excerpt from the article : " Bank of America eliminated all non-sufficient fund fees and reduced overdraft fees from {$35.00} to {$10.00} in the first half of XXXX. As a result, " revenue from these fees has dropped more than 90 percent, the bank said in a statement to XXXX XXXX '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - # 2 ) We have also been charged {$12.00} " Monthly Maintenance Fee '' - the minimum balance was {$750.00} - at some time it was raised to {$1500.00} - we kept thinking it was the former out of habit and we were out of country for 3 months in XXXX when we were charged this fee 3 times. The rep was able to refund us the fee for 1 month but refused to do so for the other 2.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!

I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$2100.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary 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 XXXX PAYMENT HISTORY LEGEND Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2100.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account closed at credit grantor 's request Completed investigation of FCRA dispute - consumer disagrees Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed a dispute with Experian on or around XXXX XX/XX/XXXX for a XXXX XXXX account/tradeline. Experian acknowledges processing the dispute and claims itts " investigation '' was completed on or around XXXX XX/XX/XXXX. The results of the dispute say " DISPUTED ITEM NOT LISTED ON CREDIT REPORT '' and shows Experian conducted an automatic update of information from XXXX XXXX. This is NOT a substitute for an investigation. From p. XXXX of the attached docuentation XXXX XXXX states as follows for the account number ( s ) : " When a loan charges off, the account number is changed as the information is moved to a different system of record. The updated loan account will show on your credit profile ending in XXXX. '' Now, my dispute with experian was regarding an account that was wrongfully charged-off by XXXX EFS due to their misapplication of my student loan payments and a mishandling of an approved forbearance and subsequent deferment that enabled XXXX XXXX accounting and billing systems to continue to mark payments as late during periods were made and/or forbearances and deferments were in effect. It is during such times that XXXX XXXX ceased generating billing statements. All I am trying to do is have the the CO status and late payment history, and derogatory narratives removed because the informattion is false and/or misleading under 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). As such, to ensure maximum accuracy under the FCRA, it is incumbent upon Experian to change the affected periods to Not reported/NR, and to remove any and all derogatory payment and account status narratives.

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 2023-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
XX/XX/2023. This morning a guy named XXXX called me a few minutes after XXXX and then turned around and called house phone. I called him back and tried to explain, yes I'm having trouble paying the bill and he said that he was going to call me everyday or every other day to check about my payment. I feel harassed and stressed because how am I supposed to be able to make the payment if all the time he's calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: SC

Complaint narrative:
So today I went to get my car serviced.They looked up the Vin on my car and told me that my car is supposed to be XXXX XXXX with a sunroof. My car is XXXX XXXX and I am paying for a car this XXXX XXXX with a sunroof silver. XXXX XXXX sales told me that my car is a XXXX but why is everything is telling I have a XXXX. I have been having problems with this car since I had it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$670.00} XX/XX/XXXX 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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$670.00} XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I went through a company called XXXX to get my forms for my taxes and submitted it to the IRS. Due to investment loss and gain my refund ended up being XXXX Dollars. The funds were sent to XXXX on XXXX. XXXX sent took out the fee for the software and forwarded it to XXXX  to summit the remaining amount to " my bank '' Somehow, somewhere to wrong account number was put on the tax forms. I learned from XXXX when called to see where my return was. I contacted Capital One, the bank the funds were sent to. I already had a credit card there so I opened up a checking account so they could deposit the funds correctly. I provided them the tracing number of the EFT deposit, the date, the account it was sent to ( which was closed and has no relations to me at all ), my new account number, the amount. They opened a " claim '' after 10 days I received a notice from them saying that the deposit was deposited as per the info sent over. I had already told them this. So, I called probably for the XXXX time at least spoke to a supervisor who said they would file and appeal with the additional information I provided. which i had already provided on the XXXX. I also went back to XXXX who says Capital one has the money and accepted the deposit they can not request it back. However, Capital one had already refused to send it back. Yesterday I got another email from Capital one denying my appeal telling me to go back to XXXX again. I called XXXX and sent a demand letter, which I had also sent to Capital one. They contacted me and said they literally can not request it back. Capital One accepted the deposit that was sent in my name to an inactive account they have the funds. At this point I am being told that basically neither company will do anything. Capital has kept my money and is refusing to deposit it into my account or send it back to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: WV

Complaint narrative:
I am writing to request the immediate removal of the late payment entries from my credit report the are in violation of the fair credit reporting act specifically 15 U.S. Code 1681 a ( 2 ) a ( I ) According to the FCRA late payments should not be reported as negative information. This effects my creditwillingnss and ability to obtain favorable credit terms. I kindly request that you investigate this.

Per FCRA, I expect acknowledgement of this law In accordance with the fair credit reporting act the creditor has violated my rights under 15 U.S.C 1681 section 602 states that I have the right to privacy U.S.C 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681A section 2 exclusions does not contain solely as a transaction or experiences. Experiences between consumer or person making report 15 U.S.C 1661A section I transactions are NOT included in the consumer report.

I have filed a dispute with GM financial they refuse to remove it and I have talked to them multiple times, they are very hard to deal with and I want this negative remark removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Cars-N-Credit Finance, Inc.
State: MN

Complaint narrative:
I have a car loan with Cars-N-Credit of XXXX XXXX MN . They excessively call and text from a variety of phone numbers to collect when I am only a day or two late or have made arrangements with them because my pay date changed. Once payment is made they find other reasons to call me such as wanting my job information, asking me to submit pay stubs, or they will ask me to update my insurance information with them when it has not changed. I've told them to NOT call or text me while I am at work but they continue obsessively, if I am not a day late on a payment and they can not contact me about that, they contact me about something else. If I don't answer a call, they text, if I don't answer those, they email me multiple times every day. then they will leave notes on my car! when I am only 2-3 days late! I simply change playdates ( temporarily ) and they KNOW this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Fortiva 's response to XXXX was unsatisfactory. Fortiva 's action lowered my credit score. Fortiva opened a credit card account without my permission. Instead of closing the account, they should have removed the account. Closing the account that I did not authorize reduced my credit score. This is NOT acceptable. The account should be removed as an error. Not shown as an open account that was closed. Again this does not resolve my issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
On XX/XX/2023 Select Portfolio Services DBA " SPS '' purchased the mortgage servicing of my loan from XXXX XXXX XXXX XXXX " XXXX XXXX ''. Since that time, SPS has sent me incorrect statements, incorrect collection letters, and threatened/started foreclosure proceedings ( Validation of Debt Notice dated XX/XX/2023 ). SPS has been notified of their errors ; however, they forced me to pay the incorrect amount on XX/XX/2023. 

The errors stem from a gross lack of due care and due diligence by SPS ' acquisition department. My previous servicer, XXXX XXXX, processed a Covid forberance program and loan modification - SPS did not take those into account in their statements or collection actions- and have not corrected their online or voice response unit for my account. 

SPS should process my loan modification, stop collection actions, and pay for the defensive responses I have made due to their incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXXY account # XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX & XXXX XXXX account # XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX  account # 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 a account without my written instructions.

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