vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial 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 2024-08-09 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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-08-09 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: AZ

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX ] XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Complaint and Cease and Desist Order Against XXXX, XXXX Credit XXXX XXXX XXXX Equifax, XXXX, and XXXX Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint and issue a cease-and-desist order against XXXX for multiple violations of federal laws and regulations, as well as against Equifax, XXXX, and XXXX for their roles in reporting inaccurate and unauthorized information. 

The crux of the inaccuracy in Nordstroms reporting lies in their knowledge that the debt in question was discharged. Despite this knowledge, XXXX continued to furnish information related to my account to Equifax, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). 

Furthermore, XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX has failed to provide me with a XXXX for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. 

In addition to these violations, XXXX has breached its own terms and conditions by sharing my information with non-affiliates, XXXX XXXX XXXX XXXX, without my explicit consent. This action disregards my right to privacy as a federally protected consumer under the Privacy Act of 1974. 

Moreover, XXXX failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by Equifax, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that XXXX immediately delete the account related to me from their records and cease all further reporting to Equifax, XXXX, and XXXX. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of XXXX, Equifax, XXXX, and XXXX regarding their handling of my account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have paid my Synchrony account on time for over a year. As my balance has decreased, they have changed my auto payment date without my knowledge and charged me late fees even when I pay my bill on time. The payments have been 100 % processed and are showing in my bank statements. I have called multiple times, and they have dropped my credit score more than once over this shady business practice. I have statements proving I have never been late on a payment and screenshots proving they have moved my auto pay date without my knowledge in order to force me into a late fee twice. Once I manually resolved it and complained, they still kept charging me a late fee, claiming it was my bank account when it was not. I can clearly see in my bank app and bank statements that my payment went through every month on time with no delay. They still chose to charge me a late fee on top of my payment the very next day as well.

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 2024-08-09 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'm writing to look at my colossal worry concerning the tried records recorded on my credit report. I have really drawn these slip-ups out from the shadows and have basically on various occasions alluded to a comprehensive assessment. Anyway, paying little mind to what my anticipated undertakings, I very can't get any objective or medicinal action. 

These worked up records are genuinely impacting my credit report and are basically destroying my ability to have a customary presence. The restricting result of these slip-ups has caused monster troubles for me, and I'm left with no choice close to search for your close by assist with reviewing what's going on. 

I sympathetically request that you lead a thorough assessment concerning the deciding of these tried records. It is key that the fundamental advances are taken to reestablish and change my credit report right away. With your help, I really want to restore the accuracy and uprightness of my credit record, allowing me to recuperate control over my money related accomplishment. 

I genuinely request that you propose this matter your for the most part ridiculous suggestion and take a speedy action. Your joint effort and moving in settling this issue quickly would be massively huge. 

Much appreciation to you without skipping a beat for your appreciation and help.

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 2024-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy purse to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
This is my third time asking for correction on my report this company sent proof this the information this is being reported is not accurate. My account number is XXXX and the company is showing a different account number my name is XXXX XXXX and it showing as another name. I know mistake can happen so I need this resolve so I'm asking if this information can be verify with the source of the bankruptcy like the clerk of courts or U.S courts it self so it 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MD

Complaint narrative:
Under 15 USC 1692 ( c ) that law clearly states that, if a consumer notifies a debt collector that the consumer refuses to pay a debt, that collector must cease all communication with 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 2024-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: UT

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) XXXX  XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 2024-08-09 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: FL

Complaint narrative:
I hope this letter finds you well. Im reaching out to request your help with updating some accounts on my credit report. I've noticed that certain details are outdated or incorrect, and Id like to ensure my report accurately reflects my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I monitor my credit very closely and suddenly there was a XXXX drop in my score from XX/XX/XXXX to XX/XX/XXXX, though there was not a single change in my credit factors. 

XXXX XXXX concurred that there were no changes in my balance history, utilization rate, payment history or age of credit, but stated that because the change happened in XXXX, they could not look into it. XXXX XXXX, the XXXX for XXXX XXXX, insisted that there are confidential credit factors that determine my score and they are not privy to those factors. I repeatedly asked for an investigation and was told I could only have an investigation if something was inaccurate on my report. I have reviewed my credit report ( from all agencies ) and nothing changed except the reported score. It went from XXXX in XXXX to XXXX in XXXX. Again, I maintain a XXXX balance on all credit cards, my on-time payment history is 100 % and my age of first credit is XXXX. 

This is negatively affecting me, and I want my score restored!! XXXX should not be allowed to report scores if they are unable to justify the calculation and factors that enter into the score determination. 

Further, XXXX XXXX should NOT be a supervisor if he is unable to speak to an escalation with any level of intelligence or authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I monitor my credit very closely and suddenly there was a XXXX drop in my score from XX/XX/XXXX to XX/XX/XXXX, though there was not a single change in my credit factors. 

XXXX XXXX concurred that there were no changes in my balance history, utilization rate, payment history or age of credit, but stated that because the change happened in XXXX, they could not look into it. XXXX XXXX, the XXXX for XXXX XXXX, insisted that there are confidential credit factors that determine my score and they are not privy to those factors. I repeatedly asked for an investigation and was told I could only have an investigation if something was inaccurate on my report. I have reviewed my credit report ( from all agencies ) and nothing changed except the reported score. It went from XXXX in XXXX to XXXX in XXXX. Again, I maintain a XXXX balance on all credit cards, my on-time payment history is 100 % and my age of first credit is XXXX. 

This is negatively affecting me, and I want my score restored!! XXXX should not be allowed to report scores if they are unable to justify the calculation and factors that enter into the score determination. 

Further, XXXX XXXX should NOT be a supervisor if he is unable to speak to an escalation with any level of intelligence or authority.

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 2024-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
Dear CFPB, I am writing to inform you of XXXX lawsuits that have been filed against Specialized Loan Servicing ( SLS ) : Suit No. XXXX filed in the United States District Court for the Middle District of Louisiana XXXX 
Suit No. XXXX filed in the XXXX Judicial District Court for XXXX XXXX XXXX XXXX XXXX XXXX XXXX State of Louisiana. 
These lawsuits pertain to multiple violations of state and/or federal regulatory laws by XXXX. Specifically, XXXX has : Illegally changed my mailing address without my knowledge, resulting in my failure to receive pertinent correspondence regarding my account. 
Illegally added an address that is not mine to my loan account and credit report, further preventing me from receiving important correspondence. 
I have alerted various agencies to XXXX 's servicing practices, including the Federal Trade Commission 's Division of Credit Practices at XXXX XXXX XXXX XXXX, Washington XXXX XXXX XXXX, Phone : ( XXXX ) XXXX. 

As a result of these actions by XXXX, any delinquency notices should be considered null and void. I have not received the proper notifications required by law, and XXXX has violated 12 CFR 1024.30-1024.41 and HUD regulations .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have several private student loans with Sallie Mae now Navient back in XXXX from a fraudulent for profit school ... The Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am waiting on a decision from another Navient school misconduct regarding private signature loans. Application was in XX/XX/XXXX and is in administrative forbearence until XX/XX/XXXX. The monthly payments and loan balance are extremely hard to pay due to the increased interest rates. I have attempted many times reaching out to Navient about different programs and forbearance throughout many years but according to Navient I have exhausted all my options and no other plans available. Several years ago I was homeless and I expressed this to Navient and they still wanted full monthly payment. Because of the interest rates my total loans are raising to {$60000.00} and my monthly payments are {$700.00} and this amount due each month INTEREST ONLY which I can not afford. I'm am struggling just to afford to live over here and I have lost so much because of these loans, I am emotionally physically and mentally drained from this whole situation.This particular private student loan is called XXXX XXXX and was taking out to afford the program from the school that committed misconduct. These loans are decades old with no chance to pay off. I still owe double in what I graduated owing when I started this nightmare in year XXXX ... balance {$58000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-09 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 hope youre doing well. Im following up on my earlier request for assistance. Ive already submitted all the required documents concerning the item that doesnt belong to me.

Company response to consumer: Closed with non-monetary relief