vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-18 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: MS

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter

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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the past 2 months I've not been able to view report when logged in and/or place security freeze on my account. I have called several times but never got it 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 2024-09-18 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: NY

Complaint narrative:
Hello, Ive been paying my loans since 2007. Both Private and Federal loans from Navient and continue to pay them off. Throughout the years Ive encountered a number of issues when dealing with Navient. Lack of communication and poor customer service- nearly impossible to speak to real people about concerning account issues. No transparency or explanation regarding implications of Forbearance or more affordable repayment options and a number complications during hardship periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
I opened up this account with XXXX XXXX about two and a half years ago. Doing that time I very seldom use the account the monthly credit card fee was {$6.00} which I paid with no problem. During that 2 and 1/2-year period I never paid my account late Even though I use it was just paying the {$6.00} monthly fee. Because of non-use of the credit card when I made my XX/XX/year> payment by phone I requested that the account be closed. At that time I tore up the credit card made the last payment and figured I was through with Total Visa. I did not receive a XXXX statement but did receive a call in XXXX saying that my account was past due {$6.00} plus the late fee. At that point I indicated I have requested the account be closed in XX/XX/year> what I made that final payment. They told me at that time when they check they had no account of me requesting that the account be closed and that I owe the fees. They then told me they would investigate the problem and get back with me. I did not hear from Total Visa again until I received a call stating that I now old an additional {$6.00} for the month of XXXX plus a late fee. At that point I refuse to pay because I told them I requested the account be closed and I had no problem playing the {$6.00} feet before so why would I let them charge me {$47.00} for a late fee on a {$6.00} fee monthly fee and I'd never had that problem before. At that point they told me it's nothing they could do in our old the fees. I'm requesting that Total Visa remove those late fees remove those two charges and correct the reporting of my credit as being late on that account to the credit bureau. This is causing me problems by them showing me as delinquent for the account that I requested that they close.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
Requesting to remove hard Inquiry on my report THAT WAS NOT AUTHORIZED BY ME. THIS IS FRAUD MERCHANTS CB Credit Bureau Inquiries XX/XX/year> XXXX I have called this company Merchants CB and they have no records on file reflecting this request. PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
Received multiple phone calls from various numbers including the following, with an automated message that states : " Hello, we are calling with an important message from Receivables Management Partners LLC d.b.a. RMP Services LLC. This call is from a debt collector please call XXXX. '' This started right after I received notices that my info was involved in a data breach. My credit reports do not include any such debts. They are frozen and should all have a fraud alert on them now. 
All listed calls are from XXXX : XX/XX/XXXX - ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX - ( XXXX ) XXXX XX/XX/XXXX - ( XXXX ) XXXX XX/XX/XXXX - ( XXXX ) XXXX XX/XX/XXXX - ( XXXX ) XXXX XXXX - ( XXXX ) XXXX XX/XX/XXXX - ( XXXX ) XXXX XX/XX/XXXX - ( XXXX ) XXXX * I did try to call this # to inquire and got an automated service asking for my SSN to identify my account. I did not provide and assuming it was being recorded, demanded that they stop calling and send me any proof of this so called bebt in writing. I have not received any written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am trying to get pre qualified for a home loan and when my reports were pulled by the lender it was found that Equifax is not reporting a credit score or generating a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from XXXX, XXXX and TransUnion immediately! 

XXXX 'S 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 2024-09-18 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: CT

Complaint narrative:
Please remove fraudulent accounts and hard inquiries off my credit profile from Experian, XXXX and XXXX immediately! 

XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a 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 non-monetary relief
Consumer complaint received 2024-09-18 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: NY

Complaint narrative:
Experian has been reporting a dlinquant account under my credit report which I do not recognize and no other Bureau show either. I have disputed the information on : XX/XX/XXXX to which they responded in XX/XX/XXXX - only responding that the line of credit from that company ( XXXX XXXX XXXX ) has certified the existence of the account - but didn't not provide any document. 
After calling to no avail, I reponed another dispute on XX/XX/XXXX, which resulted in XXXX charging off the account in XX/XX/XXXX. 
I reopened the dispute in XX/XX/XXXX and now XX/XX/XXXX to absolutely since the account still continues to produce additional charges that keep impacting my score with no resolution or element of proof from either Experian or XXXX. 

I have no idea what/who is XXXX ; and my Experian score is in the XXXX for the past year and a half when it was in the XXXX before that fraudulent account. 

More info on the aforementioned account : Account info Account name XXXX XXXX XXXX Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$390.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance - Highest balance {$1500.00} Terms - On record until XX/XX/XXXX 2029

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 2024-09-18 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: TX

Complaint narrative:
XXXX, XXXX, and Equifax is reporting inaccurate information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, XXXX, and XXXX is reporting inaccurate information on my 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 2024-09-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Last four of social XXXX I am writing to bring to your immediate attention that the data on my consumer report is the result of identity theft. I did not authorize the inclusion of the transactions and identification data currently reflected on my report, nor did I consent to these erroneous entries. Under the Fair Credit Reporting Act, 15 U.S.C 1681c-2, I am requesting that this fraudulent information be blocked and permanently deleted from my consumer report within the four day period mandated by law. This request is based on accurate information and it is neither made in error nor involves any misrepresentation of the facts concerning these transactions. 
Please delete account XXXX  with account number XXXX Please remove the inquires XXXXXXXX XXXX dated XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024

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 2024-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 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: TX

Complaint narrative:
**Complaint Description for CFPB Filing** **To Whom It May Concern, ** I am writing to formally lodge a complaint against the credit bureaus for reporting false information on my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e and 15 U.S.C. 1681a ( 1 ) ( b ). The inaccuracies on my credit report have caused significant harm to my financial standing and peace of mind. 

The credit reporting agencies have a legal obligation to ensure the accuracy and integrity of the information they report. It is their duty to conduct thorough investigations when inaccuracies are reported. The blatant disregard for this obligation is unacceptable, and I demand immediate deletion of all erroneous entries from my credit report. 

The FCRA is clear : consumers have the right to dispute inaccurate information, and credit bureaus must investigate these disputes in a timely manner. The failure to correct or remove this inaccurate information is a direct violation of my rights as a consumer and is a serious breach of the law. 

If this matter is not resolved promptly, I will pursue small claims for each instance of wrongful reporting. I expect a written response detailing the actions taken to rectify this situation within 30 days. 

This is not just a matter of inconvenience ; it is a violation of consumer rights that must be taken seriously. I demand that the credit reporting agencies act in accordance with the law and rectify these errors immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: AL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: NC

Complaint narrative:
During transition from XXXX mortgage servicer to another, my monthly payments were being sent to the original servicer who were in turn forwarding them along to the new servicer. In XXXX of XXXX my payment was made on time, but did not get forwarded to the new servicer until after a XXXX period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I have been treated improperly inappropriately disrespectful. No one can help me out here

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The company said the already requested that the 3 bureaus delete the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-18 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the re-insertion of accounts on my credit report that were previously disputed and deleted. These accounts have been reinserted without the proper notification or communication as required under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. 1681i ( a ) ( 6 ), which mandates that a consumer reporting agency must notify me when an item is reinserted into my credit report.

Furthermore, I believe this action may violate my rights under 15 U.S.C. 1681b, which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. 
For your reference, I have attached a partial copy of my credit report showing the erroneous accounts that have been reinserted. 
I kindly request that the CFPB investigate this matter to ensure compliance with these regulations and to uphold my rights as a consumer. I appreciate your attention to this issue and look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation