vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XX/XX/XXXX, Equifax updated my credit report with incorrect information regarding XXXX XXXX XXXX. This was voluntarily dismissed in XXXX and they are reporting that it just was dismissed in XX/XX/XXXX. I am very tired of these errors because it causes my credit score to go down when they add this information. I will be looking into legal advice and getting an attorney to rectify the situation. I have submitted complaints several times with this bureau, but nothing is happening. This violates my right for fair credit reporting. This company DOES nothing to help because it still reporting incorrect information. 

Case or ID : XXXX showing as " Date Reported '' to be XX/XX/XXXX on Equifax report, which is 5 years ago from when the case was " voluntarily dismissed ''. Please have them remove this as they are reporting it incorrectly on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NC

Complaint narrative:
I am writing to file a formal complaint against Experian regarding their handling of a credit inquiry dispute I initiated with their agency, as they have failed to address the issue adequately. 
On XX/XX/XXXX, I submitted a dispute letter to Experian in which I sought to challenge the accuracy of two inquiries that appeared on my credit report. These inquiries, listed below, are associated with credit accounts that I did not apply for : XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX Despite providing clear and detailed information regarding these disputed inquiries, Experian has not taken the necessary steps to investigate and correct this issue. Under the Fair Credit Reporting Act ( FCRA ), I have a right to ensure that the information reported on my credit file is accurate and up to date. I have attached a copy of the dispute letter I sent to Experian, as well as the certified mail receipt to demonstrate my effort to engage in a good faith resolution of this dispute.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
During the Covid pandemic, I was in school in XXXX, FL. I was set to graduate XXXX of XXXX. Because I was in an accelerated program, I couldnt have a job ( there werent a lot open anyways because of Covid ), but nonetheless I still received funding from the VA to live. 
XX/XX/XXXX rolled around, I graduated, and was forced to move back with my parents because I couldnt find a job in my career field immediately due to the pandemic. Finding a good job was also hard when I moved back with my parents, as well. This caused me to not have the funding for my credit card payment from XXXX to XXXX. 
By XX/XX/XXXX rolled around, I finally had an alright paying job where I stabilized and back paid everything I owed thus far, and have been in good standing since. 
Today, XX/XX/XXXX, I reached out to the credit department to get more details. They let me know they can not delete the late credit report, which I disagree with because of the financial hardship that was given to me due to the pandemic. 
Im looking to fully pay off this account in the near future now that I have a new well paying job, but its impossible to succeed in life when my credit score is tanked because of one missed payment during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00}. 
This account is fraud and doesnt belong to me. this account just appeared on my credit profile overnight and is affecting my life and its not fair. This account needs to be removed immediately my rights are being violated and this account needs to be REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Navy Federal account # XXXX have violate my federally protected consumer rights. Under 15 U.S. C.1681 section 623 of the FCRA and Regulation V that a creditor must not furnish inaccurate information to a credit reporting agencies. Navy Federal did not investigate this dispute to confirm that the information is accurate. I am writing to dispute and request the removal of outdated information from my credit report, as provided for under Section 15 U.S.C. 1681p of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from XXXX Credit Bureau, I have identified information that is no longer relevant and should not be included in my credit history. Under 15 U.S.C. 1681 section 602A, I have the right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
My Federal loans are being handled by MOHELA. I have received confirmation that my autopay is verified. The first month it did not work so I made my payment manually. My MOHELA account says the next payment will be deducted next week, however, I received an email for Federal Student Aid stating I missed a payment and now my credit score has decreased. I cant get anyone in the phone at Federal Student Aid or MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: NC

Complaint narrative:
I am writing to file a formal complaint against Transunion regarding their handling of a credit inquiry dispute I initiated with their agency, as they have failed to address the issue adequately. 
On XX/XX/XXXX, I submitted a dispute letter to Transunion in which I sought to challenge the accuracy of the inquiry that appeared on my credit report. I sent a second letter on XX/XX/XXXX to dispute this error. The inquiry listed below, is associated with a credit account that I did not apply for : XXXX XXXX on XX/XX/XXXX Despite providing clear and detailed information regarding these disputed inquiries, Transunion has not taken the necessary steps to investigate and correct this issue. Under the Fair Credit Reporting Act ( FCRA ), I have a right to ensure that the information reported on my credit file is accurate and up to date. I have attached a copy of the XXXX dispute letters I sent to Transunion, as well as their response and certified mail receipts to demonstrate my effort to engage in a good faith resolution of this dispute.

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 2023-11-07 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: NJ

Complaint narrative:
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. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: NJ

Complaint narrative:
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. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have several inquiries on my credict report that was not made by me. Because of this its really affecting my overall credict report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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:
Experian investigated a dispute and corrected the balance but did not adjust my XXXX score accordingly. It is impossible to speak with a representative to have this issue resolved.

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 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I received a letter from Aidvantage about setting up an automatic withdraw for my student loans. I was granted the full teacher loan forgiveness {$17000.00}. In I believe XXXX. I followed all the guidelines to consolidated and make specified payments. The remaining amount of my loans had been forgive with the teacher loan forgiveness. I have not make a payment towards my student loans since XXXX since they had been forgiven. I have tried on multiple occasions to contact Aidvantage. I have sat on the phone for up to hour waiting. I have tried to call weekly since I received the letter since XXXX. I still have yet to talk with anyone. I have emailed a few times. I finally received an email back on XX/XX/XXXX. I emailed back because the dollar amounts they reported were not correct based on what was originally reported from my XXXX service account. I contact XXXX service and they too were unsure of how the outstanding balance it still there. They said they would send a complaint and suggested that I do so as well. I have continues to try to call Aidvantage and still not luck. I am now 2 months behind on payment and getting nervous about my credit. However, I do not want to make payments as this balance should not still exist. I looked on the internet to see what other options I have. It was recommended to file a complaint through CFPB. I am still in contact with XXXX XXXX and they said they intend to move the complaint forward as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XX/XX/2023 : Got an email titled " Your IDR application has been received '' from Nelnet XX/XX/2023 : Email " No action needed while we process your application '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' XX/XX/2023 : Email " Your application status : In process '' The " In process '' emails tell me : Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. 

How long does it take to approve my change? Over 2 months seems excessive. I want to get on the SAVE plan, but I think Nelnet is dragging their feet. At the same time, interest is accruing, and it's hard to reach customer service! When I login to the website, it just tells me to check in every 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit on open and any consumer plan as late for any purpose

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 2023-11-07 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: IL

Complaint narrative:
The creditor conducted this investigation without appropriate authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: TX

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Card opened without my knowledge fraudulently. No wet signature from me was obtained. Amount of {$5700.00} closed on my credit report without consent, knowledge and fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
XX/XX/2023 XXXX identified unauthorized online domestic wire transfer via : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$65000.00} had been wire transferred from my Chase Checking Account without my knowledge and approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The company responded sent a copy of the notification of the debt letter. The letter was sent to an address where I was evicted on XX/XX/XXXX ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) The notification letters were sent in XXXX and XXXX, long after I had been evicted from that address. The company did not follow up with the correct address which could have been located on my credit file. This company has a history of unfair debt collection practices and this is evidence of that fact. 

I sent a copy of the court record to the company in XX/XX/XXXX. The company ignored the documentation forwarded to them and did not process my dispute. Instead the company entered inaccurate information that the debt was XXXX on XX/XX/XXXX, thus decreasing my score by XXXX points, in retaliation for filing the dispute. 

The company did not provided me an opportunity to dispute the debt because they notification was sent to an address where I had not lived for at least 1 to 2 years, legally. The company should be order to delete the tradelines for XXXX XXXX and XXXX XXXX because they do not own the debt and do not own the right to report it charged off without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
Do not recognize inquires on my credit report called all three bureaus no help XXXX inquiry date XX/XX/2022 2022

Company response to consumer: Closed with explanation