vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had once reported this issue involving Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted to all credit bureaus. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) .These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 


Credit bureaus ' response but never about what they should follow per the FCRA : XXXX. You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l ( such as the original agreement ), please contact your creditors directly. 
XXXX. You may contact the Consumer Financial Protection Bureau or your State Attorney General 's office about your issue or complaint against XXXX or l the company reporting the information.

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 2022-07-07 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: NY

Complaint narrative:
I had once reported this issue involving Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted to all credit bureaus. Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) .These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). 


Credit bureaus ' response but never about what they should follow per the FCRA : XXXX. You may contact the company that reports the information to us and dispute it directly with them. If you would like written proof about your accounts l ( such as the original agreement ), please contact your creditors directly. 
XXXX. You may contact the Consumer Financial Protection Bureau or your State Attorney General 's office about your issue or complaint against XXXX or l the company reporting the information.

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 2022-07-07 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX has removed and placed back two fraudulent accounts from Navy Federal : fraudulent account number 1 is worth {$27000.00} and account number 2 is for a little over {$5000.00}. XXXX had received an FTC report back in 2019 on Navy Federal. Also, Navy Federal has been contacted by phone at XXXX. A certified letter is on its way next to Navy Federal at the address XXXX XXXX XXXX XXXX XXXX, VA XXXX

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 2022-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
In XXXX my car was repossessed without my knowledge I had no idea and I thought the car was stolen initially. I was in a lot of distress and my personal items were in the vehicle. I didnt know my rights as a consumer. I was not notified how to retrieve my items, when the auction would be or how much it was sold for. I recently reached out to Capital One Auto and they provided me the letter that they sent and it stated it was sent to an address that I had never provided with them and is not on my credit report. I do not understand why they never sent those documents to the address attached to the origination of the loan in XXXXXXXX XXXX I asked had their been any notice previously sent to my former home address in XXXX or current address in XXXX and she said no, they sent it to an address at XXXX XXXX. This was an address that I had never provided them with. 

For several years this repossession has been listed on my credit report as a charge off and because I brought it to their attention through the credit bureau complaint, they decided to punish me by reporting it every month back to XXXX as unpaid, plummeting my XXXX XXXX XXXX points. I can no longer look for a home to purchase as a result. All my effort to maintain a decent score wiped out because of their negligence. They told me the vehicle was sold and that my debt was written off and yet it is still listed as a debt on my credit report. If they received a tax benefit, I didn't receive a 1099-C, which would mean the debt is now income that I should be reporting and not reported monthly as debt, to the credit bureaus. 

I was informed that if the debtor fails to properly notify me of the repossession, the debtor is no longer liable for the debt. They failed to properly notify me at the correct address giving me the opportunity to retrieve my items, ruined my credit score and prevented me from obtaining credit offers and a mortgage because the negative impacts of the credit bureau reporting. 

I would like to seek a full payment history of each payment maid from XXXX to date of repossession that includes, the date of payment and the amount paid. Also, requesting the 1099C to claim it on my tax return. Lastly, requesting the monthly unpaid balance reporting back to XXXX be removed from my credit report and the full {$7200.00} removed from the credit bureau reporting. I do not give my permission to the credit bureaus to report this because it is not an accurate representation of this debt. I have filed a complaint with the credit bureaus and they closed the complaint with barely an explanation to my original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, XXXX and Transunion, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX  ) and XXXX XXXX Bank. By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus XXXX, XXXX and TransUnion, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!

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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian and XXXX, have all failed to update and or accurately report my personal consumer credit information has reported to them by the following credit card issuers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX ) and XXXX XXXX Bank. By law the aforementioned financial institutions must update regularly every month and have all done so has the process is automated. Unfortunately, the XXXX credit bureaus XXXX, Experian and XXXX, have all failed to honor their legal obligation to update my consumer credit report which has adversely impacted my credit score and ability to access credit in violation of the Fair Credit Reporting Act!

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 2022-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
When the deferment started, I contacted XXXX to see what my payments would be after the deferment ends and my renewal application was activated. They ensured on several occasions that my remaining months at the payment I was making before the deferment started. On XX/XX/XXXX, I had my Income Driven Repayment plan renewed for {$170.00} to pay towards my outstanding student loan debt. I accepted that amount and moved on with my day. The loans are all under deferment and the last time i applied for my annual renewal was XX/XX/XXXX. Apparently, a few days later, another submission was made in my name with a much higher income input and done as a new application, not as a renewal, which takes away the months I had remaining on my old IDR plan from XXXX. This second application made my payments {$260.00}, almost double what i was paying before the deferment started, but by income has only increased a few XXXX dollars since then, no where near doubling. I spoke with 2 different representatives, one claiming to be the first ones manager and said the second submission is invalid and wasn't submitted by me. I wanted it removed and the first one that was approved 3 days before to be the one to use. They kept saying over and over there was nothing they could do except submit another application and override the second one. This is ridiculous and borderline illegal, in my opinion. I stated that I didn't submit it, had no confirmation of this higher amount, electronically or by mail. I didn't know this change until I spoke to them on XX/XX/XXXX because of a phone call they made to me to confirm my contact details. This was all a shock as its not stated on the main page when I log in what my payments will be when the deferment ends. I was on the phone with AidVantage for an hour and 15 minutes before finally agreeing to another application to get my payments to {$190.00} and i lose my 3 months I had left at the amount before deferment. They refused to dispute the second application. All I kept getting when asked why we couldn't use the original renewal app was, " Our system wont let us '', even though it was the valid submission and the manager agreed that I wouldn't of put in a second app knowing my current was already approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
I began XXXX  school at XXXX XXXX  in XX/XX/XXXX and recieved my first student loan. I began repayment of those loans after XXXX  in XXXX. I acquired more student loans beginning in the fall of XXXX when I went back to XXXX school at the XXXX XXXX XXXX. I graduated from that program in XX/XX/XXXX. 

I was contacted by a servicer after graduation, I assume because I was working for a XXXX My XXXX  is XXXX in XXXX XXXX. The person who I talked with told me that my loans will be forgiven in 10 years because I was a XXXX. I have since found out that is only true if you work for a XXXX He also assured me that it would not effect the 25 year discharge of loans I have been paying since my XXXX  from XXXX in XXXX. 

I have reached the 25 year discharge from my student loans taken while at XXXX. However, MyFedloan reported that my loans did not begin until XXXX, which does not reflect all the years I have been paying on the student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: OH

Complaint narrative:
The credit bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, date last reported is inaccurate, and also the payment status are as well. This grounds for removal, they also violated my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

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 2022-07-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has removed and placed back XXXX fraudulent accounts from XXXX XXXX : fraudulent account number XXXX is worth {$27000.00} and account number XXXX is for a little over {$5000.00}. Experian had received an FTC report back in 2019 on XXXX XXXX. Also, XXXX XXXX has been contacted by phone at XXXX. A certified letter is on its way next to XXXX XXXX at the address XXXX XXXX XXXX XXXX XXXX, VA 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 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the XXXX XXXX. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX XXXXXXXX : {$28000.00}

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 2022-07-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX XXXXXXXX : {$28000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXXXXXX : {$28000.00}

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 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank closed my account and is holding my money that was in my checking account due to claiming that my first paycheck from my job was fraudulent. They claimed they need to speak to a company representative to validate the check, I gave them XXXX numbers but they said the the numbers are not registered. The Chase rep said she called XXXX other registered numbers and when I asked for the XXXX different numbers she called they were the deli section of XXXX and a parking service of XXXX. Since I work for XXXX corporate I tried giving her the numbers of XXXX XXXX XXXX, but she claimed she cant use those since they are not registered in their system. Now Chase has my money and will not give it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Received a call requesting payment for XXXX XXXX. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Re : Wayfair Credit Card opened with Comenity Bank I opened a Wayfair Credit Card account with Comenity Bank way back in XXXX. On XX/XX/XXXX, we received notification that Wayfair will now be serviced by XXXX instead of Comenity Bank. However, we can still manage our account balances with Comenity Bank. No new charges can be made unless we open a new account with XXXX. I did not do that and instead kept the old account as I was just making payments until the balance was paid off. 

I tried to make a payment yesterday on the Wayfair Comenity website. This payment is due today, XX/XX/XXXX. When I tried to log on, a message showed up stating that the account is closed and I should call customer service ( attached is the screenshot of the page ). I called the number and got a recorded message that gives me instructions to pay online, on the phone or mail it in. However none of the options work. The option for XXXX asks for the new account # which I don't have. This is not the original account number given when I opened the account. The new account number is the one established by XXXX. ( I did not open a new Wayfair account when they switched to XXXX ). I just kept paying the balance on the Comenity account. It also asks for the social security # which the system did not recognize I tried calling the new customer service number and the representative said that they only deal with the Wayfair XXXX accounts. I was on the phone with them for over 1.5 hrs and nobody could give me a phone number to call for the old Wayfair accounts. 
This company charges {$29.00} for any payment made after XXXX on the due date. I am afraid that I will continue to be charged the late fee or worse, reported to the Credit Burea if I don't continue to make payments on the balance. How will I be able to do that when I don't even know where and how to pay? Please advise.

Company response to consumer: Closed with monetary relief