vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: Nelnet, Inc.
State: MD

Complaint narrative:
Dear CFPB, This complaint alleges that the Department of Education XXXX DOE ) has violated the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in its collection of a student loan debt from me. 

Specifically, the DOE has : Failed to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), the DOE did not provide me with the required validation information regarding the debt before placing a collection account on my credit report. This information is crucial for me to verify the debt 's legitimacy and dispute it if necessary.

Denied Opportunity to Dispute : Contrary to 12 CFR 1006.34 ( c ) ( 4 ) ( I ), I was not given a chance to dispute the accuracy of the debt before it was reported to credit bureaus. This right to dispute allows me to ensure the information on my credit report is accurate and protects me from potential errors.

Used False or Misleading Information : The DOE 's actions constitute a violation of 15 USC 1681-S 2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ) by using false, misleading, misrepresentative, and deceptive means to collect the debt. They reported the debt without providing the legally required disclosures.

Disclosed Personal Information Without Proper Notice : The DOE allegedly violated 15 U.S.C. 6802 by disclosing my nonpublic personal information to a credit reporting agency ( CRA ) without providing me with a compliant notice under 15 U.S.C. 6803.

Furnished Report Without Consumer Authorization : Additionally, the DOE 's actions potentially violate 15 USC 1681 ( a ) ( 3 ) by furnishing a consumer report to a CRA without my explicit authorization for a credit or insurance transaction I did not initiate.

Potential FCRA Section 607 ( a ) Violation : The DOE 's interaction with the CRA might also be in violation of 15 USC 1681-B ( f ) by failing to ensure the CRA verifies the purpose for obtaining my report and limiting its use.

These actions by the DOE have resulted in : Damage to my Credit Score : The inaccurate or unverifiable debt has likely negatively impacted my credit score, making it difficult to obtain loans or favorable interest rates.

Unnecessary Stress and Anxiety : The DOE 's collection practices have caused me significant stress and anxiety due to the uncertainty surrounding the debt and its potential consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: MS

Complaint narrative:
In accordance with FCRA, this creditor has violated my rights under 15 1681 section 604b states that i have a right to privacy. 15 USC 1666b also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purposes.I disputed the inaccurries on the account on XX/XX/year>, XX/XX/year>, XX/XX/year>, and on XX/XX/year> and i haven't got any response from the creditor. This creditor has continuously ignored my requests. I am actively trying to get approved for a mortgage loan. I need this account removed immediately

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 2024-05-24 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: FL

Complaint narrative:
Subject : Notice of Intent to Pursue Legal Action for Misreporting First Date of Delinquency XXXX XXXX 
Portfolio recovery has documented history about reporting untrustworthy information on credit reports .I have stated numerous time this account was delinquent on XX/XX/year> with the original creditor. 
Portfolio recovery is lying and being untruthful about the first date of delinquency. 
I am writing to express my grave concern regarding the misreporting of the first date of delinquency for the debt in question. It has become apparent that the information provided by your agency is inaccurate and potentially harmful to my credit standing. 

I must emphasize the seriousness of this matter. Misreporting the first date of delinquency is not only a violation of the Fair Credit Reporting Act ( FCRA ) but also constitutes an intentional misrepresentation of facts. This has the potential to negatively impact my creditworthiness and financial well-being. 

I hereby demand that your agency rectify this situation immediately by providing accurate information to the credit reporting agencies. Failure to do so will leave me with no choice but to pursue legal action against your agency for deliberately misleading reporting practices. 

Please be advised that I am prepared to take all necessary steps to protect my rights under the FCRA and seek appropriate remedies for any damages incurred as a result of your agency 's actions. This may include but is not limited to, initiating a lawsuit against your agency for willful violations of federal law.

I strongly urge your agency to take this matter seriously and take immediate corrective action. I expect to receive confirmation of the accurate reporting of the first date of delinquency within specify a reasonable thirty days from the date of this letter. 

Should you fail to comply with this demand, I will have no choice but to pursue legal recourse without further notice. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-05-24 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have dispute this XXXX XXXX XXXX XXXX account several times. Experian always just closes dispute without properly investigating. I have not paid om this account since XX/XX/XXXX. Yet it still shows open and active on my report. and also shows current for months of XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. They are falsley trying to keep the axcpunt open and current to further damage my report. I have never used this time share and was completly scammed into believing I would be able to get out of it any time by simply telling them I no longer wanted it.

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 2024-05-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are some fraudulent 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 explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
An inquiry was made without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
I, XXXX XXXX XXXX, want to clarify that this message is being sent independently and not on behalf of any third party. Recently, I scrutinized my credit report and was deeply troubled to find unverifiable, invalidated, inaccurate, and questionable entries. Your agency, entrusted with ensuring the accuracy of consumer reports, has failed in its obligation to guarantee the complete accuracy of reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL

Complaint narrative:
My mortgage company ( Lakeview Loan Servicing ) failed to make my property tax payment by the due date ( XX/XX/XXXX ), per my courthouse. While I was at the courthouse paying my other property taxes, I paid the property taxes on my home ( XX/XX/XXXX ), because they were going to be delinquent. 

The mortgage company eventually ( after the due date ) paid my property taxes to the court house in the amount of {$760.00}. However, my courthouse could not cash their check because the property taxes had already been paid by me. 

I have tried, relentlessly, to get my mortgage company to reissue to me the {$760.00} that I am owed for the duplicate payment. Most recently, I spoke with them on XX/XX/XXXX, where they told me they made a request to my courthouse to refund their payment on XX/XX/XXXX. They told me that my courthouse was slow in processing overpayments, so it would take 8-12 weeks from the date of the request ( which would be XX/XX/XXXX, at the latest ). However, my courthouse is adamant that they never even cashed the check from my mortgage company, despite the fact it was withdrawn from my escrow account. They say they mailed the check back immediately to the mortgage company. Today, I spoke with my mortgage company again, since they should have received the overpayment early last week ( nearly TWO WEEKS ago, per their own guidance on my last call in XXXX ). 

Today, one representative told me that they HAVE received the check from my courthouse, but that they are waiting on XXXX XXXX  ( which I assume to be some third-party administrator ) to send Lakeview the money XXXX I asked for the issue to be escalated to a manager, and the manager claims that they do NOT have the check from my courthouse. She tells me that she has no idea when they will receive it, but my courthouse ( who I spoke to this morning ) maintains their duplicate payment was NEVER even cashed! 

I feel as though the mortgage company is taking advantage of the fact I can't do anything to get my money back. I shouldn't have had to make the payment in the first place, as it's their responsibility to remit my escrow payments in a timely manner. I have now paid TWICE for my property taxes, as my escrow account was debited for the duplicate payment. It has been nearly six months, and I feel this is unreasonable for a financial institution.

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 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-05-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Expect a paycheck today {$1000.00}. Not seeing the balance on my M & T bank checking account. 

Double checked with my payroll information routing number and account number are input accurate.

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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Capital one needs to stop denying consumers for checking accounts without reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
XXXX XXXX  has hard pull my credit on XXXX XXXX without my written or verbal consent and thats fraudulent practice and its very unacceptable I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term 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 explanation
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
XXXX XXXX has hard pull my credit on XX/XX/year> without my written or verbal consent and thats fraudulent practice and its very unacceptable I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Please see the attachments from the company : the company identified on or before XX/XX/2024 that its website causes problems with overcharging the company 's consumer credit card. ( attachment AA XXXX ) Since then, I have been asking the company to fix the overcharge problem, and provide direct contact information to correct the overcharge problem. 

For 2 months, the company routes me to international call centers, with confusing disclosures or to representatives who don't know how to fix the overcharge problem. For example, please see the confusing, non-sensical disclosure from the company on XX/XX/2024. ( attachment AA 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 2024-05-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX called to XXXX XXXX on military orders and have two loans with Navy Federal Credit Union, including a home equity loan. I requested XXXX benefits, primarily to lower my interest rate to the required minimum of 6 % on XX/XX/XXXX, which is the day my XXXXXXXX XXXX XXXX  started. They have confirmed they received my request and verified my eligibility but have not applied the benefit. I have called multiple times ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ) and they refuse to even give an estimate for when it will be applied to my accounts. 
The website says allow 30 days for benefits to be applied, and on the phone they have told me they are behind and it could take up to 90 days. So far it's been 128 days and counting. I am unable to reach anyone willing to help resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-24 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:
fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.

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