vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
I am writing this complaint because I noticed a debt collection agency reported a tradeline to my credit reports. I was not notified of this alleged debt and was not given the opportunity to dispute the alleged debt. This agency is damaging my reputation by reporting the alleged debt to my consumer report. According to the FDCPA section 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: TX

Complaint narrative:
I submitted a school misconduct application with Navient for my student loans to be discharged as I attended XXXX XXXX XXXXXXXX XXXX XXXX which the U.S. Department of Education ( ED ) has determined that the federal student loan ( s ) you received to attend XXXX XXXX XXXXXXXX on or after XXXX XXXX, XXXX, and on or before XXXX XXXX, XXXX, are eligible for a full discharge. This means the remaining balance on the eligible loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). I submitted the application and supporting documents of misconduct and the application was denied. I got the following generic explanation. 

Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

The Department of Education found that XXXX XXXXXXXX XXXX made false claims about employment rates, salaries, and career services to students. 

XXXX XXXX XXXX  have been found guilty of misleading all students, and I would like someone to look into why they would offer a application for discharge, deny it, and then not tell you the specific reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: MA

Complaint narrative:
My accounts 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/updated. 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. 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!

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 2024-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : NISSAN-INFINITI XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: PA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-08-30 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXXXX/XX/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 2024-08-30 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXXXX/XX/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 2024-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. You have failed to provide me with validation of this account with the following information : ( 1 ). Full accounting for this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have failed to provide me with sufficient proof as listed above, so you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX and losing my home due to the impacts of COVID. I have provided all financial information that my servicer Rushmore Loan Servicing required of me including the Modification Application, Proof of Income, Bank Statements, and tax returns via e-mail on XXXX XXXX. Rushmore Loan Servicing as acknowledged receipt of my package via a phone call and a letter that I received dated XXXX XXXX. Please see attached letter. He advised me after looking at my information that I did not qualify for any home retention programs. He also advised me that the foreclosure sale would not be postponed. In speaking with a HUD XXXXounselor I was advised that under the Homeowners Bill of Rights Act that not only am I entitled to a full review of all programs available that I also should have a right to understand why I was denied and be given a right to appeal. Furthermore, that dual tracking is prohibited. am being told that those rights are not afforded or apply to me which I do not understand. Attached, please find all information I provided to Rushmore Loan Servicing along with the correspondence I received acknowledging my information. My information was also provided more than 5 days from the foreclosure sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: PA

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2024-08-30 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: NH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-08-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX Inquiry Date : XX/XX/year> Account Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year> Account Name : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/year>, Has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: MA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. 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. 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!

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 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am experiencing retaliatory behavior from Navy Federal Credit Union due to the CFPB Complaints I submitted XXXX and XXXX. XXXX XXXX has now limited my access to the account portal on XXXX XXXX XXXX Please see attached. I can not longer access many features of the online account portal due to my complaints. This is retaliatory behavior from this institution. PLEASE SEE ATTACHED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint against SOURCE RECEIVABLES MANAGEMENT for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : SOURCE RECEIVABLES MANAGEMENT has failed to provide me with the required validation information for the alleged debt, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report without giving me the opportunity to review or dispute the debt.

2. Failure to Provide Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair opportunity to dispute the account according to the guidelines set forth in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of notification and denial of my right to dispute the debt is a clear violation of my consumer rights.

3. Use of False, Misleading, and Deceptive Means : The collection agencies are violating my rights by using false, misleading, and deceptive means to collect a debt. This conduct is strictly prohibited under consumer protection laws and is causing undue stress and harm to my credit standing.

4. Improper Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : The collection agencies have no legal authority to furnish information about this account to consumer reporting agencies without providing me with the necessary disclosures as required by law. Their actions are in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ).

I request that the CFPB investigate this matter and take appropriate action against The collection agencies for their non-compliance with federal regulations. Additionally, I ask that this collection account be removed from my credit report immediately, as it was reported without due process and in violation of my rights.

Please keep me informed of any progress or actions taken regarding this complaint. I appreciate your prompt attention to this serious matter.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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