vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: IL

Complaint narrative:
LCI Consumer Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX  XXXX XXXX  Date Filed/Reported - XX/XX/year> Reference # XXXX - XXXX - XXXX Closing Date - XX/XX/year> Court - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you still provide inaccurate information about a couple of XXXX  that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why YOU is still reporting this information to the credit bureaus. I have already spoken with the courthouses in which these bankruptcies were filed. I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never DISCHARGED! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these XXXX  from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

XXXX  - XXXX - According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of an unknown collection account on my credit report. Also, my personal information was impacted by the XXXX data breach, raising concerns about the accuracy and security of my credit report. I demand the immediate deletion of this unknown collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: WI

Complaint narrative:
My loans were in an admin forbarence due to the change from Mohela to dept of education NOT because of save program. I was told during that switch time from XXXX to XXXX that my forbarence time would count as it was due to admin change. I get my count today and the months are now saying not eligible due to the forbarence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Superior Holdings, LLC
State: OH

Complaint narrative:
There anre inaccurate items on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681i, 1681s-2, 1681e, and 1681c. After obtaining a copy of my credit report from your agency, I noticed errors related to closed accounts and charge-offs that are adversely affecting my credit score. writing to formally dispute an issue related to the unauthorized disclosure of my nonpublic personal information by Superiour auto Inc., in violation of 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 
I became aware that my personal information, including [ specific details of the information disclosed ], was shared without my consent. As you are aware, 15 U.S.C. 6802 prohibits financial institutions from disclosing nonpublic personal information about a consumer to nonaffiliated third parties, unless the consumer has been provided a clear and conspicuous disclosure of such sharing and has been given the opportunity to opt out. 

I did not receive any such notice, nor did I consent to the sharing of my personal information with any third parties. Therefore, I am requesting the following actions be taken immediately : 1. **Cease and Desist** : Immediately cease any further unauthorized disclosures of my nonpublic personal information. 
2. **Investigation** : Conduct a thorough investigation into the circumstances surrounding the unauthorized disclosure of my information. 
3. **Rectification** : Take appropriate measures to rectify any unauthorized disclosures that have already occurred. 
4. **Confirmation** : Provide written confirmation that these actions have been taken and that my nonpublic personal information will be safeguarded in accordance with 15 U.S.C. 6802. Please consider th
is letter a formal complaint and respond within the required timeframe of 30 days, as stipulated by applicable laws and regulations. 

If I do not receive a satisfactory resolution to this matter, I am prepared to escalate my complaint to the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your prompt attention to this serious matter. I look forward to your timely response. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I was charged in {$830.00} for mortgage overage that increases my mortgage {$100.00} a month starting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2024-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are several unauthorized hard inquiries on 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 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I am on a cruise. I used a XXXXXXXX XXXXXXXX XXXX XXXX XXXX to withdraw {$350.00} with my paypal debit card. The machine withdrew the money from my account but did not give me the funds. No receipt was dispensed and the screen said it was out of service once it took the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have paid Navient Student loans for almost 20 years ( beginning in XXXX of 2009 ) and have paid nearly {$180000.00} for an original {$60000.00} student loan. For the first 10-years all of my payments were interest only but I did not know that. I was advised to get into an income-based repayment from a Navient rep but they did not ever disclose to me that the payments were not going towards my principal. Furthermore- Navient doesn't provide monthly or annual statements showing what you've paid through the years. I have to review my own personal bank statements for the past 25 years to calculate my full payments. No other operating loan company doesn't provide this information. 

Below are the entire list of my complaints against Navient : Misleading borrowers about income-driven repayment plans : Navient failed to adequately notify borrowers who enrolled in income-driven repayment plans about the requirement to annually recertify their enrollment. Borrowers were not properly notified that submitting an incorrect or incomplete application to recertify their enrollment could lead to an increase in their monthly payments and delay loan cancellation. 

Botching payment processing : Many borrowers had multiple student loans with varying interest rates and monthly payments. When borrowers made payments meant to cover multiple loans, Navient misallocated payments. Navient also misapplied payments made to a particular loan. These errors resulted in late fees, interest accrual, and negative credit reporting. 

Harming the credit of XXXX borrowers, including severely injured veterans : Navient tarnished the credit reports of borrowers who had received a discharge on their federal student loans due to a total and permanent XXXX. 

Deceiving borrowers about XXXX requirements for cosigner release : Navient made representations to private loan borrowers that if they paid down their loans in a certain way, they could apply for their cosigners to be released. But Navient did not honor those representations for some borrowers. 

Misleading borrowers about improving credit scores and the consequences of federal student loan rehabilitation : For federal student loan borrowers whose loans went into default, XXXX debt collection arm promised credit reporting relief to borrowers if they completed a rehabilitation program. Navient failed to deliver on all of the promised relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem with direct deposit
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
The XXXX XXXX branch representatives hung up left me on phone for hours refusing to addres my concerns while my employer sent my pay to card on Friday XX/XX/year> on my entitled pay refusing to allow me to have access to my funds and representatives not answering calls

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 2024-10-01 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: TX

Complaint narrative:
Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I called Chase Bank Fraud department to report fraudulent charges made on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on my joint account with my husband. They were made by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We live in XXXX. They were for the amounts of {$11.00}, {$4.00}, and {$7.00}. I called in to report fraud and was refunded pending investigation. They said the purchase was made from XXXX XXXX but my husband is the only who has that and had made no such transactions. Then we saw two more transactions come in on XX/XX/year>. We called the Chase fraud department again to dispute these as well. They were for the amounts of {$6.00} and {$3.00}. When we called, the customer representative, XXXX, who mentioned the transactions were from a vending machine. Again, we don't use vending machines or live in Michigan. For some reason, all of our refunds got reversed after this to charge us again. We called Chase fraud department again shortly after to dispute the reversal. The different customer representative said he didn't know why the reversal was made on the account and would take care of it, but he didn't. We called again on XX/XX/XXXX to see why we weren't refunded our money and then we were told that because the card was used on XXXX pay that we would just have to accept the charges. We have proof it wasn't us with my husband 's transaction history on XXXXXXXX XXXX and can show that card was never linked to his personal XXXXXXXX XXXX account. I asked for the proof from Chase to show the XXXX XXXX account information on a transaction labeled as " in person '' in XXXX XXXX. Chase has refused to refund us our money for these fraudulent charges even though we have proof it wasn't us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: AL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-10-01 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: AL

Complaint narrative:
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-10-01 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: CA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates LLC has been trying to collect monies in the amount of XXXX that is claimed to be owed from a company that filed bankruptcy and closed back in XXXX. I had a credit card with XXXX years prior that had been settled with the company therefore I am not as to how or why Portfolio Recovery has for years now placed themselves on my credit as a creditor that is owed money from me which is incorrect. We are talking at the least 8-9 years ( XX/XX/XXXX ) that have time and time again reported this error in attempt to keep it open and have been disputed over and over. I have now more than 8 years later received an execution of garnishment from a company that I owe absolutely nothing too. How is this even possible? This company has harassed me for years about money that isnt even owed to them and Im tired of the harassment and fake information that has been provided about a creditor that they purchased information from many years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX has been trying to collect monies in the amount of XXXX that is claimed to be owed from a company that filed bankruptcy and closed back in XXXX. I had a credit card with HHGregg years prior that had been settled with the company therefore I am not as to how or why XXXX XXXX has for years now placed themselves on my credit as a creditor that is owed money from me which is incorrect. We are talking at the least 8-9 years ( XX/XX/XXXX ) that have time and time again reported this error in attempt to keep it open and have been disputed over and over. I have now more than 8 years later received an execution of garnishment from a company that I owe absolutely nothing too. How is this even possible? This company has harassed me for years about money that isnt even owed to them and Im tired of the harassment and fake information that has been provided about a creditor that they purchased information from many years ago.

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 2024-10-01 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: MS

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Please review the attached letter. Thank you for your assistance.

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