vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  XXXX Account # XXXX {$500.00} Opened XX/XX/year> Closed XX/XX/year> {$500.00}

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 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
This company must remove and all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: NY

Complaint narrative:
According to experian this account was charged off with inaccurate dates reporting. Since then the date, High Balance, Last Verified, Date of Last Activity, Date Opened, Last Payment, and Credit Limit has been inconsistently updated. On XXXX the date last active is ( XX/XX/year> ), on XXXX it's ( XX/XX/year> ), on Experian the date last active is ( XX/XX/year> ). If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Data Reporter Name : XXXX XXXX  Account Name Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> I submitted a dispute with XXXX to remove all XXXX fraudulent inquiries from my credit report they have failed to protect my consumer rights and remove the fraudulent accounts after submitting proof of identity theft they have failed and violated the consumer penal code Experian have also failed to remove the fraudulent account ( credence resource management ) after I have sent in proof of identity theft which should be remove immediately from my credit report XXXX HAVE NOT REMOVED within XXXX business days which is a violation of the consumer penal code the accounts below are fraudulent XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX which are also fraudulent If these are not removed I and my attorney will file a legal suit and seek {$700000.00} in damages

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 2024-07-13 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
NAVY FCU XXXX Balance : {$0.00} This is NOT A DISPUTE, but I believe the information being reported to be inaccurate.

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 2024-07-13 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: PA

Complaint narrative:
I REQUESTED THE REMOVAL OF THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT BECAUSE I CAN STILL SEE THEM ON MINE EVEN THOUGH I HAVE NO ANY KNOWLEDGE REGARDING THOSE INACCURATE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I REQUESTED THE REMOVAL OF THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT BECAUSE I CAN STILL SEE THEM ON MINE EVEN THOUGH I HAVE NO ANY KNOWLEDGE REGARDING THOSE INACCURATE ACCOUNTS.

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 2024-07-13 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: PA

Complaint narrative:
I REQUESTED THE REMOVAL OF THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT BECAUSE I CAN STILL SEE THEM ON MINE EVEN THOUGH I HAVE NO ANY KNOWLEDGE REGARDING THOSE INACCURATE ACCOUNTS.

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 2024-07-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to follow up on my previous disputes regarding the negative items on my credit report, which have yet to be resolved. Despite my diligent efforts and multiple dispute submissions, the erroneous entries remain on my Equifax report, negatively impacting my credit score and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates , LLC Did not give me the opportunity to dispute this da debt Under the FAIR DEBT COLLECTION PROTECTION ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to experian this account was charged off with inaccurate dates reporting. Since then the date, High Balance, Last Verified, Date of Last Activity, Date Opened, Last Payment, and Credit Limit has been inconsistently updated. On XXXX the date last active is ( XX/XX/year> ), on Transunion it's ( XX/XX/year> ), on XXXX the date last active is ( XX/XX/year> ). If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Data Reporter Name : XXXX XXXXXXXX Account Name Number : 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 non-monetary relief
Consumer complaint received 2024-07-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
According to experian this account was charged off with inaccurate dates reporting. Since then the date, High Balance, Last Verified, Date of Last Activity, Date Opened, Last Payment, and Credit Limit has been inconsistently updated. On Equifax the date last active is ( XX/XX/year> ), on XXXX it's ( XX/XX/year> ), on XXXX the date last active is ( XX/XX/year> ). If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 

Data Reporter Name XXXX XXXX XXXXXXXX Account Name Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reviewed my credit report and noticed that my report has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. Given the inaccuracy and the significant impact on my financial well-being. I demand the removal of all inaccuracies. This misreporting violates section 623 ( a ) ( 1 ) ( A ) of the FCRA. XXXX data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: PA

Complaint narrative:
I reviewed my consumer reports and noticed that i had two 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 account that i have included a screenshot inside this complaint on dates of XX/XX/year> and XX/XX/year>. 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 2024-07-13 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: MD

Complaint narrative:
THERE ARE STILL INACCURATE ACCOUNTS FROM MY CREDIT REPORT THAT I HAVE NO KNOWLEDGE OF. PLEASE CHECK THE DOCUMENTS I'VE SENT REGARDING THIS MATTER.

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 2024-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am having difficulties with my servicer Mohela for the past 8 months. I started my loan repayment on XX/XX/XXXX. I made my first payment for {$130.00} on XX/XX/XXXX. The next month, I notice that there is an amount for {$130.00} overdue. I called about that, Mohela told me computer is slow to update the website. So I continue to pay every month. Each month, I notice that there is an amount always overdue. I called Mohela and they finally figured out that my XXXX payment only went to loan sequence XXXX and not to the other loan sequences for some reason. Due to this, all my payments have been backlogged. I was essentially paying for the previous month every month. I have called Mohela multiple times each month starting XX/XX/XXXX to fix this issue. They promised each time that they placed a ticket to fix this and to " wait 30 or 40 days. '' I wait and call back and they keep telling me to wait more days. Nothing is getting fixed. Nothing is getting changed despite calling them and complaining for the past couple of months. I called recently and they are saying that due to the recent shift of mohela to student aid, they can't see any past information. The way they handle this whole situation is infuriating and downright unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: MD

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-07-13 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
JPMCB CARD XXXX Balance : {$1700.00} I believe the information being reported to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: TX

Complaint narrative:
On XX/XX/year> I submitted a dispute with Tranuion to remove all 10 fraudulent inquiries from my credit report they have failed to protect my consumer rights and remove the fraudulent accounts after submitting proof of identity theft they have failed and violated the consumer penal code XXXX  have also failed to remove the fraudulent account ( credence resource management ) after I have sent in proof of identity theft which should be remove immediately from my credit report XXXX HAVE NOT REMOVED within 4 business days which is a violation of the consumer penal code the accounts below are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX  which are also fraudulent If these are not removed I and my attorney will file a legal suit and seek {$700000.00} in damages

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 2024-07-13 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: TX

Complaint narrative:
On XX/XX/year> I submitted a dispute with XXXX  to remove all 10 fraudulent inquiries from my credit report they have failed to protect my consumer rights and remove the fraudulent accounts after submitting proof of identity theft they have failed and violated the consumer penal code XXXX have also failed to remove the fraudulent account ( credence resource management ) after I have sent in proof of identity theft which should be remove immediately from my credit report EQUIFAX HAVE NOT REMOVED within 4 business days which is a violation of the consumer penal code the accounts below are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX  which are also fraudulent If these are not removed I and my attorney will file a legal suit and seek {$700000.00} in damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XXXX XXXX ( ex Girlfriend ) opened credit lines without my knowledge and consent, she stole my social security card information to do so

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from 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 2024-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
This is a follow-up to complaint # XXXX : In their response, Aidvantage completely failed to address the most important part of my complaint : that I was unjustly charged roughly {$1400.00} in interest from XX/XX/year> to XXXX of this year. 

Last XXXX, as federal student loan payment deferment was ending, I applied for the SAVE plan. I was immediately approved for the plan by the FSA on studentaid.gov and given a monthly payment of {$10.00}. The matter was then transferred by FSA to Aidvantage, my servicer. 

For a reason they've yet to disclose, Aidvantage immediately placed me in forbearance and kept me in forbearance for several months, despite me reaching out to them several times to find out why they were taking so long to put me on SAVE since I had already been approved by FSA. 

From XX/XX/year> to XXXX of this year, my student loan balance went up from roughly {$66000.00} to over {$68000.00}. This was all interest charged by Aidvantage while they kept my account in forbearance and ignored my complaints despite the fact that I was approved for SAVE the minute I applied in XX/XX/year> by FSA.

Aidvantage was supposed to immediately enroll me in SAVE with a monthly payment of {$10.00}. Had they done so, my interest would not have grown a single dime. It seems incredibly unjust that I had to pay Aidvantage {$1400.00} in interest as a reward for their own incompetence. 

Finally, in XXXX of this year, I re-applied for SAVE on studentaid.gov, was once again immediately approved, and lo and behold immediately placed on the SAVE plan by Aidvantage and charged the proper monthly payment as of this XXXX. Just like it was supposed to have happened the first time I applied last XXXX. 

I demand that all interest charged to my student loan balance since XX/XX/year> be refunded immediately.

Company response to consumer: Closed with explanation