vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 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 investigation; 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 2024-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I received an email from Navient on XX/XX/year> informing me that all three of my loan accounts were put into forbearance. I had not authorized this and do not wish for my loans to be in forbearance. I called Navient on XX/XX/year> and requested that they remove the forbearance from all three of my loan accounts because by putting my accounts in forbearance without my authorization they are increasing the amount of the debt by only adding interest to the principal. The Navient representative told me that she could not remove the forbearance from my accounts. I informed her that I want the forbearance removed from my account today and I requested an email notification of this. She said that she will send communication about it within her company, but she would not confirm that I would receive email communication about the request/change. I then received notifications from my credit monitoring applications that Navient had reported to the credit bureaus that my XXXX loan accounts were in forbearance. I attempted to contact Navient again on XX/XX/year> to submit another request, and my calls are not being answered. I am being left on hold for XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NC

Complaint narrative:
Subject : Immediate Action Required : Dispute of Incorrectly Reinserted Collection Account To Whom It May Concern, I am writing to demand an immediate reinvestigation of the collection account identified as XXXX XXXX XXXX XXXXXXXX. This account was previously removed from my credit report, and I find it unacceptable that it has been reinserted without proper verification. 

I want to be crystal clear : I do not owe this debt. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy of the information on my credit report. I expect you to uphold this responsibility without delay. 

I require the following information immediately : 1. Verification of the Debt : Provide documented proof that this account is mine, including details of the verification process used for its reinstatement.

2. Original Creditor Information : Confirm the original creditor and their validation of this debt.

3. Explanation of Reinstatement : A detailed account of why this entry was reinserted after being removed. 
If you can not provide verifiable evidence supporting this account, it must be removed from my credit report immediately. I will not tolerate any inaccuracies that could damage my credit standing. 

Failure to comply with this request will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider all available legal options to protect my rights.

I expect your prompt attention to this matter, with a response within the 30-day timeframe required by the FCRA. 

Thank you for your immediate action. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NY

Complaint narrative:
I have been a victim of identity theft that was discovered earlier this year 2024. Upon discovery of this I immediately submitted an FTC report documenting the crime. Because I didn't have all the individual stolen accounts and fraudulent charges, I documented an estimated amount on the report which was accepted as valid. 
This particular debt collection attempt from Debt collection agency Credit Control , LLC with original creditor XXXX XXXX in the amount of {$1700.00} is included in this. 
I have already disputed this collection attempt with XXXX XXXX  which they recognized as fraud and had closed the account. 
This is now being pursued by another agency and again it is in dispute and is not valid, I do not owe this debt and am not responsible for debts that were obtained fraudulently and illegally. 

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX at noon a charge for {$4300.00} was made on my XXXX XXXX credit card while on vacation in XXXX XXXX. I called XXXX XXXX after discovering the charge to deny it and was informed by the representative that I should wait until the charge posted before submitting a fraud claim. When I spoke to a manager at Capital One, I was told that since a chip was used for the card I am responsible for it. Also being told I needed to take better care of my card security. I provided evidence on how whoever fraudulently used my card tried to do the same with my other cards but I was still denied a good reason on why the charge will not be disputed or why Capital One 's fraud prevention allowed a foreign transaction of an amount multiple times more than my normal purchase amounts to be approved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-15 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: Nelnet, Inc.
State: KS

Complaint narrative:
Nelnet has failed to process a payment I made in XX/XX/year> of {$50.00}, my automatic payment of {$120.00} ( ish ) on XX/XX/XXXX all while collecting interest. Payments go into limbo and there are return payment notifications. I can not give them another bank account because that is my ONLY bank account. The information is CORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Re : Wells Fargo XXXX XXXX XXXX is points card operated by Wells Fargo XXXX It is marketed to renters, who can earn reward points by charging their rent to the card, and then using the card 7 times during the billing cycle in order to earn the points that month. 

I signed up for notifications for when payment is due. They recently failed to send the notification and I had to complain in order to have the late fee and finance charge reversed I had missed the payment. 

I received the notification this month, and it encouraged me pay the minimum due ( {$25.00} ) with my BILT card. Their interest rate is about 28 % and I feel that this a trap for renters to fall into. I object to this type of marketing tactic that takes advantage 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
On my back ground check for employers, first advantage is showing a felony charge I've not been convicted of and it says no record found from 2016. This is the second time a future employer has used first advantage and the first time afew years ago, I did call and talk to a lady as she was supposed to remove it Someone else with same name on attached file regarding XXXX XXXX in XXXX, this isn't me. I've never been there and know nothing of this. 
On attached file from XXXX the fines due isn't accurate. I owe nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 



Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX. {$1400.00} XXXX XXXX XXXX XXXX. {$350.00}

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 2024-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: SC

Complaint narrative:
I received an email from XXXX XXXX that there was a new collections account from Paramount Recovery Systems asking did I recognize this lender. The company is reporting this information to XXXX and XXXX. I responded " no '' I have never had credit with this company. Upon filing a dispute with both credit bureaus, Paramount stated they purchased the alleged debt from XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and requested information on the alleged original lender to no avail. Neither company can confirm the original company. I checked my old credit reports ; however, I do not see any of these companies nor did I see the approximate amount they are saying I owe which is {$3500.00}. If there is such a company, it is probably more than 10 years old and should be removed between 7-10 years of being on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the wrongful foreclosure of my home. My account has been marred by multiple violations and irregularities, which I believe warrant your urgent attention. Below, I outline the key issues that have contributed to this unjust situation : 1. Application Completeness Notification : We were never informed whether our application for loan modification was complete or incomplete, leaving us in the dark about our eligibility for assistance.

2. Net Present Value Calculation : There was no calculation of Net Present Value ( NPV ) conducted to determine our qualification for a loan modification. This is a crucial step in evaluating our case, and its absence indicates a lack of due diligence on the lenders part.

3. Bankruptcy Motion Notification : Prior to the auction sale, the trustee was notified of our motion to reopen Bankruptcy case # XXXX with the Central District Court XXXX This should have halted any foreclosure proceedings.

4. CARES Act Violations : We have been charged fees that are in direct violation of the CARES Act, which was enacted to protect homeowners during the pandemic.

5. Overcharging for Services : Our account has been overcharged for services and fees that fall outside the terms of our loan agreement, exacerbating our financial distress.

6. Dual Tracking Practices : Despite submitting a Request for Mortgage Assistance, foreclosure activities were not halted. This dual tracking practice is not only unethical but also illegal.

7. Unreasonable Fees : We have incurred unreasonable fees charged to our mortgage account, which we believe are unjustifiable.

8. 2009 Payment Application Issues : In 2009, our payments were not properly applied, and despite our requests for a review, no action was taken to rectify the situation.

9. Foreclosure Rights : The current foreclosing party has no legitimate right to foreclose on our property, as the notice of sale was filed prior to the transfer or assignment of mortgage. 

Given these serious concerns, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly. We are seeking restitution for the damages incurred due to these violations and hope to resolve this issue promptly. 
Thank you for your attention to this urgent matter. I look forward to your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation