vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 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: GA

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 USC 1681. 

Account Name : US DEPT ED Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 of crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2023-10-20 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: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
Navient allowed for Forebearance periods. You could pay one month 's student loan payment and then opt into 90 day forbearance. 

I opted for forbearance back in 2019. The process to enter forbearance was easy, but also extremely antiquated. Navient used to send emails asking if you would like to enter forbearance. I replied yes within the required window. Every other time I had done that, I was entered into Forebearance for 90 days. 

Navient states they never received my response to their email. They reported TWELVE separate late payments to my credit report - I do not have other negative accounts like that- but these TWELVE SEPARATE lines are severely impacting my credit score, and will continue to do so for the next few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
On XX/XX/2023, I applied for a business auto loan to purchase a brand-new XXXX XXXXXXXX XXXX XXXX via the XXXX mobile XXXX. My understanding is that XXXX XXXX sends the loan application to a pool where you have multiple financial institutions which includes but is not limited to TD Auto Finance ( " the bank '' ) bidding for the application. 
Note, this is our second business auto loan application through the XXXX mobile app within a space of about XXXX month. 
The amount to be financed by the bank was about {$45000.00} and like the previous application, I provided my personal information for the purpose of personal guarantee ONLY. 
On XX/XX/2023, I got a notification from XXXX of the credit bureaus that I have a personal auto loan. I contacted the bank to reallocate the loan to the business and they informed me that they don't offer business loans and that my best bet was to refinance the loan. 
Currently, I have a hard inquiry and an auto loan on my credit report. These if left, will negatively impact my ability to access credit that was originally accessible to me. I've attempted to dispute those with the XXXX credit bureaus but today ( XX/XX/2023 ), I got an update from XXXX of the bureaus that nothing has changed on my report based on my dispute and it's been finalized. 
I thought to escalate to your office for further review and assistance to have both the hard inquiry removed from my personal credit report as well as the loan. All those belong to the business and all I did was provide a personal guarantee like we did in the previous business auto loan with XXXX. 
I'm counting on your assistance and will be willing to provide any document regarding this issue upon request. 

Sincerely, 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 2023-10-20 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: MI

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 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 of crimes which antedates the report by more than seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 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: MI

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 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 of crimes which antedates the report by more than seven 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Do to the fair credit report these accounts with department of educationXXXX XXXX should have been removed after 7yesrs

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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Do to the fair credit report these accounts with department of education/ XXXX should have been removed after 7yesrs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Data Mortgage Inc.
State: WA

Complaint narrative:
1. The mortgage company change the address to its payment processing center or partner. Without notifying myself, 2. they claim to have sent out paper notice as well as emails. That did not happen. I checked my history. They have no proof that they did that. 3. I only became aware of the situation with my bank, said that the mortgage company refused to accept the payment that I sent to them on time as that done for the previous three years. 4. And then had to own my own action reach out. To find out what happened and to get the new billing payment. Information. 5. after updating the new payment address, I resubmitted the payment to them however, due to this lengthy process of getting in contact with them, submitting the payment, it was received after their so-called late payment deadline. 6. They then assessed me a late fee. Summary : Essex mortgage is intentionally engaging in fraudulent practices, and has been financially negligent and notifying their client base of their in-house reassignment of payment procedures. They then attempt to deflect their responsibility as a causer of such misinformation. 

XXXX sought : 1. I want my late fee reversed $ XXXX XXXX  cents. 
2. I want to record to reflect that my payment was not late, but rather that they change their processing mailing information without notifying the customer. 
3. I want Essex mortgage information noted for their XXXX irresponsibility and poor business practices as a warning to other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: MD

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 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 of crimes which antedates the report by more than seven 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 non-monetary relief
Consumer complaint received 2023-10-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reported delinquency in XXXX to all credit bureaus while on forbearance causing a large credit score drop. A dispute was entered to all credit bureaus for corrections in XXXX being provided an expected resolution in XXXX. Negative reporting was removed however the amount of credit score deduction was not honored at the same value for credit score correction. I was informed by all credit bureaus that they had no control of the amount adjustment and there was nothing that could be done to rectify the issue. However directed me to the loan servicer which with the situation at hand has not been available to reach.

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 2023-10-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX reported delinquency in XXXX to all credit bureaus while on forbearance causing a large credit score drop. A dispute was entered to all credit bureaus for corrections in XXXX being provided an expected resolution in XXXX. Negative reporting was removed however the amount of credit score deduction was not honored at the same value for credit score correction. I was informed by all credit bureaus that they had no control of the amount adjustment and there was nothing that could be done to rectify the issue. However directed me to the loan servicer which with the situation at hand has not been available to reach.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My school loans with Navient have been discharged since XXXX of this year. It is reporting closed on every report except XXXX. I have tried to dispute several times and it says it comes back accurate. I have called Navient several times and they say they will report it and never have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy

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 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit used to be excellent. 
Then COVID 19 impacted my business in XXXX. 
And my sweet wife was diagnosed with ALL XXXX in early XXXX of XXXX. 

With my wife 's diagnosis, it took what little finances I had ( after scraping through COVID ) to get the right help, and as her sole advocate, took all of my time and energy to get her through. 

XXXX was spent mostly at her bedside, and planning for the worst, as she relapsed several times. 

Finally, at the end of XXXX of XXXX, after several relapses, my wife was given a XXXX XXXX Everything went wrong, she fell into a XXXX  for XXXX, but eventually made it through, and is now one of XXXX % on earth to ever survive the ordeal. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. She returned home in XX/XX/XXXX. 

The back-to-back experiences of COVID and then my wife 's illness, took a severe financial and emotional toll on my company, myself, and my family as I fought to keep everything together. 

Financially, after a flawless track record for many years of repaying all of my debts on time, I was down to {$0.00}, with myriad medical expenses, children, rent, and other bills to keep up with. My vehicle was repossessed in late XX/XX/XXXX by Chase Auto after falling only 2-months behind.

Unfortunately, despite my stellar track record of repayments, and only falling 2-months behind, my Chase Sapphire Credit Card account that I have had for many years, was cancelled and sent to collections. I have other credit cards that were closed for the same reason, however the bank ( XXXX @ {$10000.00} ) offered me a payment plan ( $ XXXX ) that I can manage, and even stopped charging interest, reversing all late fees. 

I have spoken to Chase Sapphire several times and explained my circumstances in great detail to several of their representatives. However, they refuse to offer any reduced payment terms, and also refuse to make any allowances with regard to interest or fees being charged. They want it ALL no matter what, and have even placed seriously derogatory remarks on my credit reports in an effort to coerce me. 

My Chase Sapphire credit line was {$15000.00}. While I don't believe I used my entire credit line at the time of the account being closed, Chase have continued to add interest and fees to the amount of over {$3000.00}. FDespite my repeated explanation of circumstances and Chase representatives call incessantly - even TWICE today alone. 

99 % of the time, when I answer, there is a long period of silence and noone on the other end. I hang up after 30 seconds of complete silence, and then Chase Bank list it as an attempt to collect a debt that I have ignored, and been uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/23 I received an overdraft notice alerting me that I had overdraft charges on my account I have included this notice in this complaint In this notice it shows a balance of {$200.00} The notice alleges that the XXXX charges that came in that, brought the account down to {$96.00} ; and then allegedly the XXXX XXXX PAYMENT FOR {$200.00} OVERDRAFTED THE ACCOUNT However in my account statement in online banking, that is also attached it shows this XXXX XXXX payment having been paid and an ENDING DAY BALANCE of {$1.00} These two different balances and accounting are in direct conflict of each other and both fifth thirds own numbers. 


The account statement shows a very different balance than what fifth third alleges was the ending day balance that day. It does not show the bank paid these 2 incoming charges from the XXXX and thus when the XXXX XXXXXXXX payment came through, there was only {$96.00} and not enough funds, over drafting the account for that XXXX XXXX payment. This statement shows the XXXX XXXX payment was paid and posted, thus the overdraft charge and overdraft statement is incorrect and indirect conflict of the banks own account summary statement. 

IF THE BANKS OVERDRAFT NOTICE IS CORRECT, AND THEY PAID THOSE 2 CHARGES AND THERE WAS NOT ENOUGH FUNDS FOR THE XXXX  XXXX PAYMENT ...... 

WHY WAS THE ACCOUNT OVER DRAFTED THE FOLLOWING DAY FOR CHARGES THAT WERE SUPPOSEDLY PAID ALREADY?? 


THE BANK DEDUCTED PENDING FUNDS WITHOUT APPLYING THEM IN ORDER TO REORDER POSTING ORDER AND MAXIMIZE OVERDRAFT FEES AGAINST CUSTOMERS THESE FRAUDULENT PRACTICES OF THE BANK HAVE SET THE ACCOUNT NEGATIVE AND CREATES A DOMINO EFFECT OF NEW DELINQUENT FEES. 

EMPLOYEES OF THE BANK AGREE THE ACCOUNT SHOULD NEVER HAVE BEEN CHARGED THE ORIGINAL OVERDRAFT FEE FROM XXXX  XXXX. 
HOWEVER THE BANK 'S FAILURE TO REVERSE AND CORRECT THESE ORIGINAL ERRONEOUS FEES IS CREATING NEW COMPOUNDING FEES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: LEXISNEXIS
State: TX

Complaint narrative:
I HAVE IDENTIFIED INFORMATION ON MY REPORTS THAT ARE A RESULT IDENTITY THEFT. THESE ITEMS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This was a old debt that was sold to a company I didn't sign papers with. They have no proof of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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:
I am writing to express my concern regarding a dispute I initiated on XX/XX/XXXX, pertaining to my credit report. In my dispute letter, I pointed out an inaccuracy in my credit report related to the account with XXXX XXXX XXXX XXXX This account reflects a late payment in XX/XX/XXXX, which was due to a deferment caused by the XXXX pandemic. According to the CARES Act, such deferred payments should not be reported as late. Despite my efforts and the gravity of this issue, I have not received a response or any resolution from Equifax, which raises concerns about negligence in handling my dispute and potential violations of the FCRA. I have attached a copy of the original dispute letter, which clearly outlines the error and the pertinent details. This letter is dated and time-stamped, demonstrating that my dispute was initiated over seven months ago. As you are aware, the FCRA mandates the accurate reporting of consumer credit information, and any violations of this act can have serious consequences. I am prepared to pursue legal action against Equifax for each FCRA violation, with a potential claim of {$1000.00} per violation, should this issue remain unaddressed. I kindly request immediate attention to this matter and the removal of the inaccurately reported late payment from my credit report. I believe it is in everyone 's best interest to resolve this issue promptly to avoid any further legal action.

Company response to consumer: Closed with non-monetary relief